BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: In progress
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: In progress
Consumer complaint received 2023-12-13
Company: Self Financial Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: MA
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:
HI U.S. Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX ... ..How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: FL
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Company response to consumer: In progress
Consumer complaint received 2019-08-20
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans Inc. is my current mortgage service provider - mortgage is owned by XXXX XXXX.Quicken Loans notified me by email on XX/XX/2019 about change in service provider to XXXX, XXXX effective XX/XX/2019. There was no online documentation on the portal indicating the change in service provider. The online portal still shows a payment due to them XXXX XXXX - this is just wrong! I have not yet received anything in regular mail regarding this from Quicken Loans. In my call with their service representative today XX/XX/2019, they said they have mailed a document which I should be receiving today (apparently through pre-sorted first class mail without any postmark). Notification by email exactly 15 days before effective date of change in service provider is not good practice - no phone call, no online portal document. What happens if they send the notification by second class mail and it takes 10 days to get to me? In the age of so  much junk and spam email, I do not even know if this email is kosher or not or just another spam email. My email provider (XXXX) could just have thrown this in Junk or Spam folder which does not ensure that I would have viewed it.The new service provider, XXXX, XXXX, notified me by email today XX/XX/2019 about the service change. This is not compliant to the CFPB mandate. Again, it was through email and not regular mail. Does CFPB mandate of minimum 15 days notice on change of mortgage service provider allow notification by email? Who is to blame if the next monthly mortgage payment does not make it to the new service provided?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been contacting Shellpoint for assistance in processing a short sale for my late father 's property. Shellpoint has spent extensive amounts of time processing documents, including just basic letters of authorization. Despite their unresponsiveness, I have sent everything we could imagine sending to get this process started. They have FINALLY verified the written authorization form sent to them to work with the real estate agent. Unfortunately, it just seems to be some kind of sick joke, because upon the agents finally getting information from Shellpoint, the representative said that they did not believe I submitted a short sale request because on the Uniform Borrower Assistance Form page 3 states : " I'm requesting review of my current financial situation to determine whether I qualify for temporary or permanent mortgage loan relief options. '' This line WAS NOT WRITTEN IN BY ME. It is a standard part of the UBAF and is on every single copy of it ever. On page 1 of the Uniform Borrower Assistance Form I clearly checked the box for " Sell the Property ''. I also sent an Explanation Letter clearly stating, " Due to the passing of the homeowner, the mortgage default can not be cured at this time. Please allow a short sale. '' Shellpoint is being negligent with their timelines and responses to my request for assistance during a very delicate time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX ) XXXX  XXXX of attached doc shows XXXX ( XXXX ) monthly statements generated between XX/XX/XXXX and XX/XX/XXXX ; XXXX ) On p. XXXX of attached doc XXXX  for XXXX Section XXXX defines the repayment period as the period over which successive monthly statements are generated whereby the lender and/or servicer mails the generated MONTHLY billing statements ; XXXX ) An absence of billing statements generated implies no payment due for XXXX ; XXXX ) item XXXX ) is Corroborated on p. XXXX which shows XXXX XXXX own XXXX XX/XX/XXXX response to CFPB complaint XXXX and states : " Our office did not mail billing statements during the timeframe of XX/XX/XXXX, through XX/XX/XXXX, as billing statements were suppressed while the loan account payments were deferred. " ; XXXX ) Given item 1 ) and item 3 ), OR Given item 1 ) and item 4 ), OR Given item 1 ) and item 3 ) and item 4 ), a payment was not required for XXXX 2021 because the loan was in deferment ; 6 ) Given item 5 ) and/or item 1 ), the date of first delinquency is not 01 XX/XX/XXXX ; XXXX ) On p. XXXX first billing statement after exiting deferment is generated on or around XXXX XX/XX/XXXX ; XXXX ) On p. XXXX first billing statement after exiting deferment shows due date of XXXX XX/XX/XXXX ; XXXX ) Given XXXX ) and/or XXXX and XXXX, it is not possible for the loan to have been XXXX ( XXXX ) days or more past-due for the month XX/XX/XXXX and thus payment hist for XX/XX/XXXX is false/misleading/inaccurate and needs to be removed.

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 2021-05-26
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have secured a loan through PNC Mortgage. Property Mortgage Insurance was added to my loan when original down-payment was to be 10 %. PMI was supposed to be removed when I changed that to 20 % : it wasn't. I was encouraged to add a little more to the down payment to trigger the removal of PMI : it didn't. Despite numerous attempts to have it removed and despite talking with 5 different people over the past three weeks, I just received the updated document with PMI still included ( my closing is in 5 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a customer of XXXX XXXX. We had agreed on a price for one year before the end of the year. I did not say please cancel my account with you until the day indicated they told me there is nothing to do because your phone number is in a transfer position to another company there is closed the account I thanked him and finished the conversation Then they started to send a bill for which I had not used anything because until today I had paid 12 months and there are still up to this moment that I am in the credit report damaging my reputation

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 2023-01-26
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Insurance company issued a check for home repair after a claim, round point mortgage company gave us the wrong address to send the insurance check to be endorsed, twice over the phone, we overnight the check to the address we were provided on two separate occasions, we are then told to expect the check to be returned on XX/XX/11, if not call back, we call back on XX/XX/11 after not receiving the check, and are then told by a supervisor of the XXXX XXXX XXXX, that we were given the wrong address, and the check was mail from the incorrect office address we were given, in TX, to the correct round point mortgage company office in SC, with no tracking, or certified mail. Its now been more then two weeks since round point told us they sent the check from TX to SC, the supervisor, XXXX, has refused our calls and routed us to a customer advocate at the company XXXX, both the supervisor and customer advocate refused to give us a last name as they are the only XXXX, and XXXX at the company the company has told us all they can do is check the daily checks received manifest to see if the check was received, but will not produce any information from the TX office checks received manifest, or provide proff that the check was actually sent from TX to SC, after we were told weeks ago from the supervisor that it was, the only history of the check the company can provide is the tracking information that we had overnighted, and have signature and tracking information from XXXX that round point TX did receive the check, beyond that they refuse to do anything to show any kind of records or make any effort to find the check, and our home has now been destroyed for months, and we are being held hostage by an indifferent mortgage company, who could obviously not care any less because the events described here do not effect them getting their payment on the first of the month, they check is required to be endorsed by the mortgage company because they are supposed to have a vested interest in our property, but it is very clear they do not, and that they will not do anything to correct their mistakes because they dont have to, I have been paying my whole mortgage for months while living in half a home because of round point mortgages indifference. The company has pused us off to a customer advocate who clearly is advocating for the company. This might not be the right place to get help but i am at a loss, and dont know what i can do, the contractors who have handled the original claim need money and have mentioned suing us, for an issue caused and prolonged by round point mortgage.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-05-02
Company: Experian Information Solutions Inc.
State: TX
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:
experian, XXXX  and XXXX  has XXXX my credit up again Account NameXXXX  Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX was removed 4 years ago b/c of id theft now put back on sent the police report and ftc

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 2023-04-30
Company: CBC Companies, Inc.
State: OK
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:
A credit dispute letter was sent to Innovis Consumer Assistance, ( XX/XX/2023 ) on my behalf regarding late payments that show on XXXX XXXX XXXX ( ACCT ending in XXXX ) and Freedom Mortgage ( ACCT ending in XXXX ) and the credit reports were not updated. 
XXXX XXXX XXXX has been paid in full and closed. Documentation was sent from XXXX XXXX was sent to provide the inaccuracy of the letter that was mailed. 

A second written request was mailed certified to Innovis ( XX/XX/2023 ) to remove unverified accounts listed above according to the Fair Credit Reporting Act, 15 U.S.C.ss1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ) and according to Fair Credit Reporting Act, 15 U.S.C.ss1681 Section 611 ( a ) ( 7 ).

No response has been given from Innovis Consumer Assistance at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: CA
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:
My credit report showed that my social security number has been fraudulently used by the following names : Other people that have used this Social Security Number : XXXX XXXX ; XXXX XXXX I have never lived at the following addresses that are reported on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX County

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer from Citibank for {$400.00} bonus to open a checking and savings account. Terms were to deposit {$15000.00} in new funds within 30 days and maintain that in checking or savings for 60 days, keeping a minimum {$1500.00} in checking and {$100.00} in savings. 

* XX/XX/2018 account was opened. 
* XX/XX/2018 {$15000.00} was deposited ( ACH from another bank ). 
* {$15000.00} combined balance between checking and savings was maintained until XX/XX/2018. 
* I called Citibank and the CSR told me the bonus requirements were met and that I'd need to wait until XX/XX/2018 to receive the {$400.00} bonus. 
* XX/XX/2018 I called again and they stated they would research the issue, stating I'd need to call back in 2 business days. 
* XX/XX/2018 I called again and was told my " request was transferred to another department ''. 
* Another week lapses, then I called back again. CSR escalated to a manager. I spoke to manager " XXXX '' who said he'd call me back the following day after he contacted " the back office ''. He never called back. 

At this point, I believe Citibank has used deceptive marketing to lure me into opening accounts and maintaining a balance at a much lower interest rate than I'd get at competing banks. I feel this practice is unfair and I'd like Citibank to be compelled to honor the terms of their offer.

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 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried countless times to open up a bank accounts and get denied every time. On XX/XX/XXXX i requested a XXXX Report. And i was informed that Bank Of America had reported my accout for SUSPECTED FRAUAD ACTIVITY on XX/XX/XXXX, on XX/XX/XXXX me and my family was evicted and was not able to redeem our personal belongs. Shortly after our eviction i was XXXX for XXXX years, After my release i started to relize that something was not right. I contacted Bank Of America to inqure about this onging situation and was rudely accused of the SUSPECTED FRAUD ACTIVITY.

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