BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan and from the beginning I tried to request a 60 day rate lock. I was told this was not needed because I was putting a large downpayment of {$220000.00} there should not be any issues. The home was being purchase from my brother for {$400000.00} and a loan was being requested for {$180000.00} for a period of 20 years. 
on. The loan application was started on approximately XX/XX/XXXX on the week of XX/XX/XXXX I was informed that while checking my credit there was a fraud/extended fraud alert in the credit agency. I provided proof that XXXX, XXXX and XXXX show no locks. I was told told that XXXX had it and it needed to be clear in order to proceed. On XX/XX/XXXX I faxed proof of id and request to have any and all extended fraud alerts removed. The representative told me that the request was received and it will take two business days to complete in there system. On Tuesday XX/XX/XXXX I called and verify that the request was removed through the confirmation number provided by XXXX. On XX/XX/XXXX I was informed by Citibank mortgage loan officer that all three credit bureaus are reporting fraud alerts and if not removed by consumer loan rate will not be honor and the process will have to start over. An appraisal on home was made on the first week for an outrageous price of almost {$700.00}. The average price for appraisal by other companies is about 400 -500. I was forced to go with Citibank appraisal and it was conducted on XX/XX/XXXX. Citibank despite my efforts to clear fraud alert is saying closing of loan will probably not occur and rate lock will not be honor. I find this type of business as unethical as I tried to get a rate lock for 60 days in the event something did not get accomplish.

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 2020-09-12
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX claims that there were late payments for 3 months. No payments were ever made late. XXXX corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and XXXX with no change. XXXX has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.

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 2022-08-13
Company: AmeriCollect
State: FL
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:
Im accordance with the fair credit reporting act AMERICOLLECT  {$100.00}, AMERICOLLECT {$150.00}, and XXXX XXXX XXXX {$1200.00}. 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 C S 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My residence is in XXXX Maryland. I purchased in XXXX and my lien holders have been XXXX Bank, XXXX, XXXX XXXX, current lien holder is OCWEN Loan Servicing, LLC and now, handing over my title to XXXX. I lost my job in XXXX due to an auto accident and since that time I received short-term disability assistance payments from the insurers/my policy ( through them ) ; then they denied my permanent disability coverage. After receiving disability award from XXXX, I have been trying to modify my loan with this company to no avail ; in XXXX there was an attempt to forclose, but that was dismissed. Since that time I have been on OCWEN 's trial modification since XX/XX/XXXX through now. I received a letter on XX/XX/XXXX that my account was in default. I called for an explanation. On XX/XX/XXXX I received an escrow disbursement check from OCWEN. On XX/XX/XXXX I received a notice of intent to foreclose and an instructions for appeal, deed-in-lieu, and lastly short-sale. I have as of this date informed OCWEN by phone and letter of my request of appeal. I am in need of further assistance to maintain my home. I am a disabled independent.

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 2023-03-24
Company: EQUIFAX, 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:
Months ago, I have sent a letter to the three credit bureausasking 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 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: OH
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This letter is regarding a credit bureau named in the company section of this complaint. I am reporting this credit bureau because they are listing a public record that they got from a third-party data broker such as companies like XXXX XXXX XXXX XXXX has recently moved that public record per my request per the FCRA guidelines. So I am also asking that you demand that this credit reporting agency quickly do the same otherwise that will be grounds for a lawsuit for them not following The law. I have requested such information such as this public record for the bankruptcy to be removed and they have refused to do so so Im petitioning you to demand that they do it now that the data broker XXXX has removed it from their database. If after you demand that they do it and they dont do it that will be grounds for a lawsuit for not following the law.

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 2016-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Public Record was disputed and found to have not been validated on XXXX and XXXX ; however Experian reported that it was, with no factual evidence sent as requested to have the item removed or verified. No proof of verification process was provided when asked.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check at Wells Fargo on XX/XX/XXXX at XXXX in the amount of XXXX. Was told that due to my account status that a small portion {$200.00} would be available on XX/XX/XXXX, another portion {$4800.00} on XX/XX/XXXX, then the remaining XXXX on XX/XX/XXXX. I spoke with the manager on the phone, I called the XXXX number and was told they could not change this. I have deposited a larger amount check with some funds available same day and all by the next. Have deposited several checks all from the same Legal firm with no problem As to the status of my account, I have no Leins or overdrafts. When I requested to close my account they refused and called the police. They are trying to disperse my funds at their discretion. So now I can not close this account and bank elsewhere until after XX/XX/XXXX when all my money is available per Wells Fargo. According to the Regulation CC on Federal Reserve. Gov. The max amount of time they can hold funds is 5 days and then have to prove why they are holding funds. They have proven nothing and are holding a portion longer then 5 days. This occurred in XXXX Co. at the XXXX XXXX branch of Wells Fargo and according to the Police Officer in the state of Colorado the branch manager is the Boss, he basically can decide what he can do with peoples accounts, the Managers name is XXXX XXXX.I will be reporting this to every agency I can. I am also going to seek any and ALL Legal advise and action available, including contacting the current Class Action Suit against Wells Fargo

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 2022-09-14
Company: Experian Information Solutions Inc.
State: PA
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:
Take the XXXX XXXX account off my consumer report its not suppose to be shared let alone displayed on my consumer report.

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 2021-12-09
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have been dealing with a serious issue with the company FINANCIAL CREDIT NETWORK INC located in XXXX, California. This is company is a collection agency who has been coming after me for an alleged " debt '' they claim I owe them, but have not provided substantial evidence that we have a contractual agreement or any instrument of indebtedness in which I signed with them. I have been corresponding with them since XX/XX/XXXX via certified mail with return receipts and FCN has yet to fulfill my request. FINANCIAL CREDIT NETWORK INC has violated FDCPA laws by not validating their claim that I owe them a debt within 30 days then the matter between myself and FCN would be settled. Well there hasn't been any feedback from the company and they're still reporting the erroneous item on my credit report making it hard for me to engage in commerce. They have violated 15 usc 1692 codes c through g violating my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: Thaxton Investment Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Heights Finance XXXX IL did not even reach out to me or offer me help with mt payment after running behind this month, before they threw a 30 day late onto my credit reports on XX/XX/2021 which dropped my credit score XXXX pts and it was already low at XXXX not because I do not pay well, had excellent pay history but because of my student loan debt! They are already gouging me for almost 40 percent interest and I had a perfect pay history and work for the XXXX XXXX XXXX XXXX!!! I want them to help me get current, lower my interest and remove that 30 day late!! I am a XXXX widowed mother doing all on my own and need some help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
1st call was made to my job on : XX/XX/XXXX at XXXX XXXX, i told the woman on the phone i could get in trouble for them calling me at work. Asked them to stop. 
Here is a list of dates and times they still called XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Validation of Debt and HIPPA Authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until debt has been validated by me Additionally, reporting of this debt to the prior to allowing me to validate it is a violation of the Fair Credit Reporting Act. I have already sent 5 validation letters via mail. I have not received a response or update in regards to this matter. 
Account in dispute : 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 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for a XXXX Mastercard and they declined me. I recieved a letter from them on XX/XX/XXXX and they claim my credit score is XXXX which is completely incorrect. I know my credit score is over 600 and use 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 2020-09-12
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:
I called XXXX approximately XX/XX/2020 and requested information concerning the debt which they claim I owe them. XXXX refused to tell me anything about the alleged debt. I filed several disputes with Equifax concerning XXXX over the past year. each time I file the dispute there was no evidence submitted which proves that I owe the debt but Equifax still closed the dispute without proof that I owe the debt. Equifax kept the debt on my credit report. In retaliation XXXX reported monthly causing my credit score to plummet. Again on XX/XX/2020 I filed another dispute against XXXX. On XXXX XXXX I was notified that Equifax decreased my credit score by 29 points. Equifax cited derogatory remarks from XXXX as the change which caused the drop in my score. I called Equifax to ask them how could they decrease my score based on inaccurate information which is also in the dispute process. I was bounced around from person to person for about an hour. then I was simply hung up on. There has been no resolution to this problem and it has hurt my credit very much. No proof of debt owed has been provided by XXXX. I don't understand how Equifax is allowing this to occur. This is a total violation of FCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account information incorrect

Complaint:
I am having trouble deleting TOYOTA MOTOR CREDIT tradeline from my consumer credit report. I have asked the credit reporting agencies on several occasions to delete the account, or UPDATE the account as I have pointed out all the VIOLATIONS they are reporting, XXXX has deleted the account but XXXX AND XXXX are still reporting this account. not only are they not abiding by regulation V to establish and implement reasonable procedures regarding the accuracy on my credit report XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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