BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-19
Company: EQUIFAX, INC.
State: PA
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 submitted serval disputes dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requested that an account be properly investigated and properly verified and the method of verification. I have received responses that the account was accurate and updated. I seen no changes made i received no responses of the method of verification. This account in question HAS NOT BEEN PROPERLY VERIFIED OR INVESTIGATED according to the FCRA 611 ( 15 U.S.C. 1681I ) my consumer right have been violated as well as the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account you are compliant in violating my rights, and will be held accountable if legal action does persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2019-12-29
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: PA
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:
Im having a problem with the scoring of my credit my credit scores goes down when my balances is being decreased its happening frequently everytime I pay down a credit card or my car note my credit score goes down by XXXX points which I think its observed This is a copy of my XXXX report and the reason why it went down All cause I made a payment toward my car note We found 1 change to your XXXX here XXXX Credit score XXXX points since XX/XX/ Balance Decreased XXXX XXXX XXXX account balance decreased Between XX/XX/ and XXXX XXXX XXXX  your XXXX XXXX XXXX XXXX account balance decreased by {$600.00} from {$5300.00} to {$4700.00}. 
Good work! It looks like you paid down your balance. Lowering your total debt can have a positive impact on your score. 
View

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
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:
I sent disputes on XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX to equifax XXXX and XXXX They have no fixed any of the errors on my report. There are multiple errors with each account and need to be deleted. Most of the creditors have no even entered a notice of dispute. They havent touched the accounts. I want an actual investigation into accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened an account with XXXX XXXX ( formerly XXXX XXXX  ) on or around XX/XX/2008. Some time in XXXX-XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX ( previously named : 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted my mortgage serving company, Shellpoint/newrez regarding the 30 to 59 days past due reported to the Consumer Reporting Agencies for XX/XX/XXXX and the 60 to 89 days past due reported for XX/XX/XXXX. My Covid mortgage forbearance period ended XX/XX/XXXX. Prior to that date I contacted Shellpoint to request an extension as my business was still experiencing difficulty due to Covid ( I manage a healthcare consultancy ). My initial request was denied but upon appeal an extension was granted through XXXX, XXXX and I resumed payment on my mortgage in XXXX, XXXX and am now current. I was told while my appeal for the extension was being considered my mortgage payments would not be reported as late to the CRAs, though subsequently by Shellpoint it was even though my appeal for a forbearance extension was ultimately granted. As a result of Shellpoint 's going back on their word and reporting our mortgage payments as delinquent, my credit dropped over 60 points within 24 hours of that reporting. As a result of the credit rating decline, our ability to borrow has significantly declined, as our cost to borrow has significantly increased. We has hp [ ed to refinance our mortgage both to cut down on its cost - and to find a new, more competent and ethical mortgage servicing company, but are unable to now because of negatively-impacted credit rating. It would cost Shellpoint {$0.00} to correct this error, but in a XX/XX/XXXX response to our complaint they've refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have XXXX mortgages with Seterus ; I send XXXX separate checks each month. XXXX of XXXX, seterus posted a payment for loan XXXX to loan XXXX ( both checks attached ). I have continued to send two checks each month for these loans ( see attached invoices ). After numerous calls and speaking to supervisors, I was told they can see the problem and they will fix it and notify the credit bureaus of their mistake. This has NOT happened and I am in the mist of buying a house and need this cleared up. Please HELP.

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 2022-01-25
Company: MORTGAGE SOLUTIONS OF COLORADO
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a veteran with a mortgage being serviced by Mortgage Solutions Financial ( MSF ). I enrolled with the company for a Covid 19 forbearance due to hardships caused by the pandemic a little over a year ago. Upon the completion of the year of forbearance, XX/XX/XXXX of 2021, I informed them I was still experiencing hardship and requested XXXX VA XXXX XXXX Refund Modification Loan, attaching VA XXXX XXXX to affirm my qualification ( Attachment A ). They instead said that I did not qualify for the no document deferment and put me on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without notifying me or getting my consent. Upon learning of the modification when I saw it on my online mortgage profile, I informed them that I did not want to do that modification loan, I asked that they take me off that modification loan. I had my attorney reach out to them and reassert my wish to be on the CRML and provided to them the specific VA XXXX affirming my qualification for the CRML option which they denied ( Attachment B ). MSF then sent my attorney a letter stating that they would review me for the CRML but it would take up to 60 days to complete. They also stated that I sent them an application for the XXXX on the XXXX of XXXX but I never did ( Attachment C ). On XX/XX/XXXX, MSF sent me a letter stating they could not complete an application for the " no documentation '' CRML unless I sent financial documentation. On XX/XX/XXXX, I contacted MSF Loss Mitigation department and asked them why they need financial documentation for the " no document '' CRML. The MSF representative informed me that they needed it to process an application for a CRML that achieves a 31 % reduction in my monthly principal and interest payment. I informed the rep that in my request for the CRML I attached the specific VA XXXX XXXX that explicitly stated that service providers are to consider Steps A and B of the CRML before Step C and asked to have the underwriter review the Circular. On the XXXX of XXXX, I spoke with XXXX XXXX another MSF rep who advised me that a third party submitted and signed an application on my behalf requesting the XXXX XXXX CRML. MSF notified me if the " application '' is not approved, they can initiate the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-01-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I participated in a HAMP modification with performance payments which I have now successfully received. However, much like I've previously had issues with the way SunTrust ( now Truist ) has serviced my XXXX XXXX loan, they now are refusing to respond to my repeated inquiries about why I have not received a recasting / re-amortization of my payments per the HAMP guidelines. I've tried to reach out by both phone and secure online communications ( and have attached copies of these communications ) and have made it clear I would indeed want to take advantage of a recasting to reduce my payments per federal guidelines. I'm told each time that someone from that department will be contacting me or I will be receiving some sort of official communication regarding my recasting inquiry, but I never do. I completed the five-years in the HAMP program in XX/XX/2019, which is when the final {$5000.00} performance payment should have been made ( it was significantly delayed with no explanation even though I made many inquiries, but eventually showed up ). I also should have, as is my understanding from reading the HAMP federal guidelines, been offered a recasting of my loan at this time. I was not and I have been calling and messaging without resolution. I'm just told it will happen or is happening or I'll hear something by an apparently ill informed mortgage customer service rep. 

I do want to bring up that last time I contacted CPFB about a Suntrust ( now Truist ) HAMP modification issue and spoke to the US Department of Justice regarding a  breach of their settlement agreement in regards to criminal conduct on their processing of HAMP modifications, Suntrust offered me {$1000.00} to drop my complaint and go away which I did, but then they never paid. I continue to remain shocked that Suntrust gets away with so many violations of the HAMP program and how it's supposed to be run. They received deferred prosecution and here they are, breaching it yet again with me. I guess corporate officers will never go to jail no matter how purposeful or negligent. 

I'd really appreciate some investigation and oversight here. There is absolutely no reason why I should be denied a recasting, be required to pay my interest payments in full, and pay off early. That is very convenient for Suntrust ( and even more so the new combined Truist, looks better on their balance sheet while it continues to harm me ).

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 2022-01-19
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX, MAXXXX has been sending me collection notices in the amount of {$650.00} the collection has been reported past due even though I sent a mailed dispute and verification letter certified mail on XX/XX/XXXX asking for proof of this debt they have not responded. I do not know this company nor have I done business with this company. They do not have a contract bearing my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 diligently followed the established procedures for disputing inaccurate information on my credit report by submitting multiple dispute requests, each accompanied by the necessary documentation and evidence supporting the fraudulent nature of the listed items. Regrettably, despite these repeated efforts, the inaccuracies persist, posing a significant threat to my financial integrity and creditworthiness. 

I kindly request the following actions be taken promptly : Conduct an immediate and thorough investigation into the fraudulent items listed on my credit report. 
Provide a comprehensive explanation for the repeated failures to remove the fraudulent items despite multiple disputes. 
Take urgent corrective measures to rectify the inaccuracies and update my credit report accordingly. 
Furnish written confirmation of the resolution, including the expected timeframe for completion. 
Given the continued challenges and the impact on my financial standing, I expect this matter to be resolved within the specified timeframe from the date of this letter. The prolonged presence of these fraudulent items has caused undue stress and financial hardship, and further delays in resolution are unacceptable. 

Failure to address this complaint in a timely and satisfactory manner may necessitate escalation to regulatory authorities, and I may seek legal counsel to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file 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 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 non-monetary relief
Consumer complaint received 2023-06-08
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Freedom mortgage on XXXX regarding late payments on my credit report. It states on my credit report with XXXX  and XXXX  that I became 120 days late in XXXX  of XXXX. I wrote to them asking how this could happen. I do not ever remember missing a payment and especially not 4 months of payments. When did I become 30 days late, when did I become 60 days late, when did I become 90 days late??? How did I arrive at 120 days late in XXXX. If you look at ANY of my mortgage accounts I was NEVER late on ANY of my payments. There has to be some error and this needs fix because it is damaging to my credit score and my character.

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