BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to FORD MOTOR CREDIT COMP XXXX, XXXX XXXX XXXX, and XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow up to my initial complaint ID XXXX which I logged on XX/XX/2021. I feel that as a result of me having lodged this complaint, the company decided to retaliate by sending me an official declination letter which among many things does not make sense at all. First and foremost, I used to be an Underwriter and XXXX of the very first things I would do when I receive an application would be to evaluate the character, XXXX, credit worthiness of an individual and when I felt that it fell within the parameters of an acceptable risk, then I would move towards analysing other factors like capacity, collateral etc. This company as I mentioned in my initial complaint was my mortgage company and I had decided to refinance with XXXX loans and the refi was set to close end of XXXX. When XXXX requested a payoff statement from XXXX, they ( XXXX XXXX came to me and advised me that they would refinance my loan and offered to beat any rate that I was offered by XXXX. They requested that I send them the mortgage disclosure from XXXX after I had made an application with them. They locked my rates and on XX/XX/XXXX, I received a text message from them saying I was conditionally approved. All the other details have been provided in my complaint XXXX. My concern is that this company is not only practicing deceptive and unfair practices given that had they not interfered with my original decision to refinance with XXXX, I would not be dealing with this. They are also now applying retaliatory tactics by sending me an adverse letter after I filed a complaint against them and in XXXX of my emails to them, I copied CFPB email. If I was such a risk in their books, I am sure they would have been happy to see me go when I refinanced with Quicken, but now they are sending me a declination letter and after all that, I will continue to remain their client albeit against my wish. Not only has this caused me much anguish, it has tainted my credit due to the unnecessary inquiries by them. I strongly feel that this is not an isolated case that only affects me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD AN UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX WITH ACCT NUMBER : XXXX  OPENED IN XXXX  FOR {$130.00} ON XXXX AND ACCT NUMBER : XXXX  OPENED IN XXXX FOR {$120.00} ON XXXX THAT I DO NOT RECOGNIZE. I BELIEVE SOMEONE MAY HAVE APPLIED FOR SOME THINGS IN MY NAME AS FRAUDULENT. I WOULD ALSO LIKE THE FOLLOWING INQUIRIES REMOVED FROM XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After several communications with Mr Cooper Mortgage  company in XXXX they finally removed the mortgage insurance ( XX/XX/XXXX ) from being collected from my escrow funds. My equity in the home was well above industry averages. 
Within 3 months after verifying by letter that the XXXXXXXX would stop it was added back in. When I complained and filed an internal complaint with Mr Cooper my mortgage was sold to another company without resolution. The new company XXXX mortgage continues to disburse the XXXX  from my escrow funds and this month XXXX, XXXX increased my monthly payment charging double. I have tried to resolve the issues by telephone and in writing to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 


This is an immediate request for removal and blockage of incorrect information. 





Unauthorized Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX XXXX {$0.00} Unauthorized Subscriber Inquiries to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Incorrect Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within XXXX days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I originally had my mortgage with XXXX XXXX starting on XX/XX/XXXX. My loan was sold to XXXX on XX/XX/XXXX. I received a letter from XXXX stating that my XXXX mortgage payment was to be to them and not XXXX. I paid my XXXX and every payment after to XXXX on time. XXXX did not update my account to show my loan was no longer active with them. They then reported my account delinquent for XXXX and XXXX. This action caused my credit score to plummet XXXX  points. My credit score was XXXX before this happened, I worked hard to get it to that point. I opened a dispute with Transunion about this error on XX/XX/XXXX. I sent the letter I received from XXXX as documentation for the dispute. It was not corrected. I called XXXX and they refused to send me a letter to say my account was closed and was not delinquent. I opened another dispute on XX/XX/XXXX. I called and emailed XXXX and they finally sent a letter stating that follows : A review has been made to past reporting of your account to the credit bureaus. The review was specific to the following and the actions taken regarding the discrepancies are identified : Dispute : The Borrower is requesting negative reporting for XX/XX/XXXX to be removed and update loan as service released as of XX/XX/XXXX Review Findings : The Loan was reported late for XX/XX/XXXX due to a delay in the XXXX system to update loan as service released Corrective Action Taken : A correction was submitted to the credit bureaus on XX/XX/XXXX nd XXXX to update the loan as serviced released and removed negative reporting for XX/XX/XXXX from the borrowers account. To obtain a status with the credit bureaus in regards to this correction, you may use the AUD Control Number : XXXX ; which is the reference number associated with the correction. 

The delinquency was not corrected. It still says my account was 30 days late and this will stay on my credit report until XX/XX/XXXX. I have opened yet another dispute on XX/XX/XXXX. I called XXXX and they said they have responded to Transunion and have made the correction. The dispute is supposed to be resolved by XX/XX/XXXX. This has taken time and energy and a mental toll on me to get this corrected. I feel this error was not taken as serious as the consequences it caused me with my credit. I feel the representatives at XXXX and Transunion did not take the proper steps to have my account corrected quickly and with good customer service. I do not feel like this resolution was a priority and it should not have happened in the first place. This has caused my undue stress and frustration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given.

We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. Mr. Cooper keeps prolonging this process. Mr Cooper now are saying that have all documents received for a review but they still have our home under a foreclosure sale and recently they said they put the sale on hold but different representatives keep telling us different information one says ins on hold the other says its still on sale but after reviewing and calling the trustee its still on for sale, seems to me some of the representatives are trying to manipulate and get me false information to think that everything is ok but its not according to the trustee nothing has been stopped or placed on hold.

If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. We sent them all documents and are in review at the moment but why have they not yet removed the foreclosure sale.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested to be considered for TEPSLF on XX/XX/2018. I was denied forgiveness under that program on XX/XX/2018 and the denial letter reads : " To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an incomedriven repayment plan. We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF. The monthly income-driven payment amount calculated using your information on file was {$350.00}. A review of your payment history determined that your most recent payment made was less than the calculated monthly income-driven payment amount. This makes you ineligible for the TEPSLF opportunity. '' This reason for denial does not make sense since my last payment WAS {$350.00} and my payments the entire last year have been under income driven plans and paid automatically and on time. Please help advise on next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing in regards to several fraudulent purchases made on my Regions debit account on XXXX the XXXX, 2023. Regions contacted me via text at XXXXXX/XX/XXXX Thursday, XXXX the XXXX, 2023. I have made copies regarding the text and e-mails they sent me. They stated to visit the local branch on Friday morning, XXXX the XXXX, 2023. We were on the phone for approx. 1 hour and 20 minutes with a representative named XXXX XXXX. He verified my account and I identified him calling from XXXX Regions. The he claimed the fraudulent purchases from XXXX and XXXXXX/XX/XXXX were removed. However, he stated that he had to make another purchase on my account to set up fraud protection policy. He informed me to hit the yes key to make a purchase from XXXX! He stated he had to reset the fraud issue. On Friday I visited the Regions Bank at XXXX XX/XX/XXXXXX/XX/XXXX TX, XXXX. I spoke with XXXX XXXX for approx 40 minutes. I discussed this issue with her and she agreed that XXXX was a legitimate employee. She took all of the information and made a fraud claim and informed me not to worry, that i should get my funds within a week. She stated it was procedure to make another purchase to see if everything was working properly, the phone number was from XXXX Regions, and they need personal information over the telephone to verify my identification. I realize this, nevertheless it contradicts there policy of Regions employees not asking for ant personal info over the telephone. XXXX agreed the policy contradictory to the telephone conversations. On XXXX the XXXX, 2023 I called the XXXX XXXX XXXX. XXXX was informed the investigation department was not going to refund my funds for the fraudulent purchases at XXXX for a total amount of {$510.00}. I have NEVER purchased anything from XXXX XXXX 's in 65 years and I have not been to Florida in 4 years. These purchases were fraudulent and I can not believe Regions is blaming me for these purchases! There investigation should consist of but not limited to, e-mails, texts, recorded phone calls, and any video footage they may have. They have been extremely unprofessional and uncaring about the entire situation. Your cooperation is deeply appreciated and you are welcome to contact me anytime XXXX! My E-mail is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief