BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-14
Company: EQUIFAX, INC.
State: IN
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 IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX CARD COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I made a {$3000.00} payment to a mortgage loan to pay just to the principal of the mortgage loan. As of today, XX/XX/2019 the payment to the principal has not posted. This was made to US Bank in XXXX Wisconsin. I have called several time directly to the bank and continue to be told this will take several days. I then called the corporate office and was told the same thing. I am paying interest daily on the mortgage. Years back the money was posted to the account that day or the next day. This is the tech age and should not take this long. Please help. I did call the phone number for banking complaints and was told I need to submit online so here you are. The {$3000.00} is a high amount of money for me and need some assistance.

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 2020-09-16
Company: Experian Information Solutions Inc.
State: NY
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 contacted the bureaus to dispute some negative accounts that happened to be reported on my credit report. As it turned our, we dispute the accounts on XX/XX/2020. It has been more 45 day, and I have yet to receive anything in the mail. Please note that, according to section 611 of the FCRA, the bureaus are required to investigate, process, and respond to my inquiry. I am in the process of obtaining financing, but due to some of these inaccurate accounts, I haven't been unable to do so.

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 2021-09-23
Company: EQUIFAX, INC.
State: AL
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018at XXXX XXXX XXXX XXXX from number XXXX XX/XX/2018 at 2018 at XXXX XXXX from number XXXX These calls come in and I tell them to stop calling, they keep talking with this is debt and they give the address and debt amount as always. I tell them do not call me but send whatever they choose and Im preparing for bankruptcy. I always repeat the same thing but they never listen and keep calling as they have called me several times before but don't have all dates. I sent the company a letter regarding the matter but no answer as too why they are calling me and that they wont be calling me any further. Action is needed as I do deserve my request honored, Ty. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-09-23
Company: EQUIFAX, INC.
State: IN
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 have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX CARD COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF

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 2021-09-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I became severely ill and almost XXXX 2 times. Unfortunately, I lost my job while going thru treatments. The treatments continue and will continue probably for the rest of my life. Due to my XXXX horrible illness, my doctors instructed me to to file for social security XXXX and VA XXXX. Which I did. I was approved for both at full XXXX. I am 100 % total and permanent XXXX thru the Department of Veterans Affairs and on full Social Security Disability. 

All of this information has been communicated for the last few years with Navient. The company will not listen to you as their customer. I have sent letters from social security and doctors. I have sent letters from the XXXX Navient does not care. They will continue to call you and your family 10 to 15 times a day. They will continue to report negative information every month on your credit reports and completely ruin your credit profile. Navient will put your student loans into default even when they have all of this information in front of them. 

Due to all of this negative reporting on the credit reports, my wife and I have lost opportunities to rent apartments and or houses in our area. Our car insurance is higher and our monthly payments on the vehicle we have is extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: GA
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:
There are accounts and personal information that are showing on my credit report that are NOT mine. I've called, sent letters and still no solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I HAD A XXXX I HAD XXXX COVERAGE ON THE ACCT THE BANK XXXX XXXX REWFUSED TO ACTIVATE THE INSURANCE THAT SHOULD OF PAID THE ACCT THEY HAVE SENT THE ACCT TO A COLLECTIONM AGENCU MEANS THE BANK HAVE COMMITTED FRAUD THEY SHOULD BE PUNISHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report and saw a collections from AWA Collections for a debt that I know nothing about. On my credit report it states that the original debt was with the XXXX XXXX, which I am still a member of. My mail box has been broken into many times over the last 4 years and my identity has been used fraudulently. I have reached out several times to AWA Collections to have them delete this item and they have not responded. This is not my debt and I know nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: AmeriHome Mortgage Company, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we have our mortgage with AmeriHome Mortgage. We have an escrow account that pays our yearly taxes and insurance. In XX/XX/XXXX our personal insurance company made an error and sent lapse of coverage to AmeriHome. At that time AmeriHome put a forced place insurance policy on our loan and deducted {$1500.00} from our escrow account. OnXX/XX/XXXX AmeriHome paid an insurance premium to our insurance company for {$1400.00}. XXXX XXXX XXXX has contacted AmeriHome on numerous occasions to clarify the error and has sent numerous emails and faxes showing there was no lapse in coverage. I have personally called AmeriHome at least 15 times since then. AmeriHome has sent a letter stating the forceplaced coverage was cancelled but they REFUSE to refund any of the premium ( {$1500.00} ) that was paid out. This incident has made our mortgage payment increase over {$80.00} per month. I contacted the Federal Reserve and they referred me to you. Can you PLEASE HELP ME????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to see about purchasing a vehicle. The representatives informed me that he was going to do a soft pull of my credit. However, they did a hard pull that resulted into inquiries I do not recognize or authorized. This is having a severe negative impact on my credit. I never gave anyone permission to do a hard pull. Only inquiry I authorized and have knowledge of is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had 5 Chase Sapphire Reserve cards in the course of one month. Originally there was fraudulent activity on initial card. I have received four additional cards since that, all that get shut down because there is a specific fraudulent XXXX charge that has attempted to charge against each card. Now, and only now, on the 5th card is Chase saying that it might not just be a fraud issue. It might be an issue with a Visa program they have that allows the charge to follow each new card I get. However, they are unsure and they are unsure if the new card sent to me will also be hit with the same charge. If it is, it too will be subsequently shut down for fraud. 

The charge was fraudulent as I have not used XXXX in years. Moreover, why did it take until the 5th credit card to make this realization, if it is the issue? All I want is a card that is not shut down after two days due to the  fradulent XXXX charge. I pay {$450.00} a year for this card and the service is terrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: HI
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:
XXXX XXXX knew that dad was evicted. I want to know how was my SSN released to damage my credit report for over 6 years. I requested in disputes numerous times to have it removed and it always still remained, dad never made a payment according to CA. I would like to also know how is eviction process handled, and how is the SSN reported to collections without proof of knowing who was evicted? My dad is not trying to pay this debt his wife is trying to put the blame on the complex for missing documents and knowing that you cant prove it to wife she still believes its mines. Only my dad knows my SSN? I was Supposed to have been removed on XXXX XXXX and release from this debt dad owes. I suggest that you cease communication with them and let them know that FCRA laws allows the person that damages there credit report documents proving that it was supposed to be mines. Dad and wife lied to me saying they were gon na pay it when they go on vacations, and paid off other eviction to qualify them for VA housing assistant almost like county housing. They refuse this one because its on my credit report and not dads. My dad wants to fix it but I understand that wife refused to and continued to blame it on XXXX XXXX instead and still denies this being there debt?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 at about XXXX in XXXX Texas Texas I was asked for a loan of $ & XXXX through XXXX by a coworker. After I sent partial loan amount {$300.00} through XXXX  I sent through chase XXXX  {$520.00}. Less than an hour later I find out my coworkers phone had been hacked and was asking all his contacts for money. I was probably the only one who paid. Not sure exaclty. Contacted my bank right away but the was rejected a refund. XXXX contact information is no help at all. And XXXX  XXXX  is reviewing my refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PRA states they found no records supporting your allegations, including, without limitation, that PRA improperly used obscene and belligerent language. However, it is I, whom has been offended by the use of language in Portfolio Recovery Associates, LLC ( PRA ) notices and communications. The verbiage such as " debt collector '', " debt owed '', " collections '' al are words I find offensive. This has harmed and caused physical damage to my reputation and character. Furthermore, all notices have been received during inconvenient times. Lastly, PRA, has not validated any contract that I have consented or agreed to with their company. PRA has continued to damaged my credit, and PRA unlawful attempt to prejudice my security interest and liberties by an action against the XXXX XXXX XXXX is injuring and damaging me and is an unlawful trespass and a violation of but not limited to ; Title 15 USC 1692e ( 4 ), Title 15 USC 1692 C ( c ) ( 1 ), Title 15 USC 1692k ( a ) ( 1 ) ( a ) Article 1 Sec. 10 to the Constitution for the United States of America 1791, Nunc Pro Tunc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I authorized XXXX XXXX to deduct my monthly mortgage payment from my bank account. On XX/XX/18, they deducted two payments from my account causing and overdraft. I contacted them about the error, I was told to provide screen shots of the double payments, which I did. When I advised them that I had non-sufficient fees accessed on my account they stated that they would refund the fees. I sent them screen shots and emails of the total NSF Fees of 58.85. 

Now I am being told that this information is not enough they need copies of my bank statements in order to refund my money. I advised them that they didn't need my bank statements to take money out of my account that they were not authorized to take. I am being given the run around, if they are doing this to me then they are doing it to thousands of others. I want them to return the NSF fees refund the same way the fees were caused and provide documentation to my bank and credit bureaus of their error. The are trying to send me a check in 15 days and then I have to try and get it cashed. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: GA
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:
There are accounts and personal information that are showing on my credit report that are NOT mine. I've called, sent letters and still no solution to this problem.

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 2018-09-04
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX MONEY REFUND Date : XX/XX/2018 To : XXXX XXXX, XXXX and XXXX XXXX   XXXX, XXXX From : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, TX XXXX XXXX : XXXX XXXX - {$3000.00} - XXXX XXXX XXXX, XXXX XXXX, TX XXXX This letter today is to request my XXXX Money of {$3000.00} from XXXX XXXX, XXXX. I am of sound mind today and understand today that I was not confused but was not informed of the Projected Payments such as Principal & Interest, Mortgage Insurance, Estimated Escrow and finally the ESTIMATED total Monthly Payment from the lender XXXX XXXX XXXX, XXXX would be greater than what I signed on the Closing Disclosure XX/XX/XXXX - At that time I understood the total monthly payment as XXXX per month as I had made this clear from the start of the Executed Contract and loan process ; and when I signed the Closing Disclosure again on XX/XX/XXXX ( see attached CD ) I understood this as my final monthly payment for the next 30 years. 
My fear arose on the day of closing XX/XX/XXXX the closing documents promissory note stated XXXX plus a month ; This was so confusing not only because I do not fully understand the lending and closing process but the only clear understanding from the beginning of the Contract and the Loan was this I was very clear from the beginning that I can not afford to pay a house note of XXXX plus a month Today I kindly beg with much respect that XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX return my XXXX Money of {$3000.00} due to the fact that I did not understand how this came about or much less, why the documents in a closing are not in XXXX this would have been better for me, but most of all why the Salesperson as XXXX XXXX, XXXX has to explain the loan process when she would say one thing, and the lender would say different ; why did the lender not explain this to me, Im very hurt, discouraged and still upset about the whole ordeal. 
I understand this letter as my basic XXXX of my understanding of what took place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation