BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX  DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX-XXXX  XXXX  Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX  TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX  XXXX. 




I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: NV
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 seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all XXXX credit bureaus ( Experian, XX/XX/XXXX andXX/XX/XXXXXXXX on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XX/XX/XXXX and XX/XX/XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 5 months from my first written request and more than 3 months since my second written request ( sent certified mail ) and I still have not received any responses.

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 2022-01-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PHH Mortgage refuses to do a loan Modification. My original loan was for XXXX. I paid my PHH mortgage for 20 years. 

My loan amount with PHH Mortgage was down to XXXX. My interest rate is XXXX interest. 

After I lost my job as a XXXX XXXX at XXXX. In XXXX  While I was at XXXX XXXX XXXX not only did I have XXXX. They determined that I have XXXX XXXX. 
I requested a loan Modification and I was over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. 
Account name : US DEPT OF EDUCATION # XXXX  You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2021-04-09
Company: Bull City Financial Solutions, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX # XXXX DOB : XX/XX/1969 XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT WAS PAID, BUT STILL REPORT TO MY CREDIT REPORT. 

XXXX. XXXX # XXXX - BALANCE OWE ON THIS ACCOUNTS IS " XXXX '' ACCOUNT SHOULD NOT BE REPORT ON MY CREDIT REPORT. 

XXXX. XXXX XXXX # XXXX - I OWE A BALANCE ON THIS ACCOUNTS BUT IT WAS PAID BEFORE I GOT SERVICE AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized loan Servicing, LLC/aka SLS are not posting our payments correctly they have us as missed payment and we have not missed any payments they had the mortgage increase every month

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 2019-06-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2019at XXXX XXXX XXXX., I e-mailed Citis customer service regarding their incorrect computation of interests charged on my credit card account. I asked that they provide me their own computations to arrive at the interest amount they are charging me for each statement. Citi has been computing interests incorrectly causing for them to overcharge customers accounts. 

For instance, based on the 15.24 % interest rate on my account, I should only have been billed {$99.00} interest instead of {$100.00} shown on my statement for billing periods XX/XX/19 thru XX/XX/19. On this statement, I was overcharged {$3.00}. For billing periods XX/XX/19 thru XX/XX/19, I was overcharged {$3.00}. Citi has been overcharging interests by at least {$3.00} each statement. One obvious reason I noticed that Citi intends to defraud consumers is when the interest amounts goes up  while account balances goes down. For instance, my ending balance for periods XX/XX/19thruXX/XX/XXXXXX/XX/19 was {$7800.00}, but I was charged {$96.00} of interests. However, I was charged {$100.00} of interest for billing periods XX/XX/19 through XX/XX/19 when my account balance was only {$7600.00}. I have attached a copy of an XXXX worksheet showing them how I arrived at the interest amounts I am claiming. 

On XX/XX/2019, I received a response from their customer service with a post office box address of XXXX. XXXX XXXX, XXXX XXXX, SD XXXX simply telling me that the interest charges billed on my account statements are correct without showing me their own computations. Please investigate their computation of interests as I believe there has been some kind of manipulation done on their system.

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 2023-02-02
Company: Eagle Recovery Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023 someone else at my location answered the call, and they asked for me by first name only and then gave them my birthdate and last XXXX of my social. I feel like this information should not be shared and its an improper way to confirm someones identity as social security numbers are not public information.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: MN
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:
consistent and privacy, consistent with the coordinate provisions of sections XXXX this section provides that a signature guarantor warrants at to fact at the time of signing. 1681 line 2 right to privacy XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX acct # XXXX XXXX dollars XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX  acct # XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: LEXISNEXIS
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lexis Nexis has not provided no proof of no liens showing my name nor social security number.Lexis Nexis just state things with no proof to as there response collecting data or information that is not correct nor the amount showing correct. There has been no documentation and what law gives Lexis Nexis the right by law to state information with no proof from the source that Lexis Nexis states with no documentation to support there claims. There has been no proof from the source of the debt by the debt from them stating any liens or taxes by the the debt owed to by them from them. Lexis Nexis has not provided by law any documents by the debt that Lexis Nexis states from the source Lexis Nexis just has words with no supporting proof from the IRS or State that Lexis Nexis make claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Bridgecrest Acceptance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and meed to be removed from mt credit report immediately

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 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have requested Transunion MANY times for validation of proof for the XXXX/XXXX account on my credit report. They only submit it is validated and have yet to provide any proof of the account. I have yet to validate this account belongs to me therefore they are in violation of the FCRA and needs to be removed immediately

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 2021-07-10
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am continually getting calls from Discover to get me on a card. They're no good and I hang up on them and I block the number the calls are on but they call again from other numbers. I want the entire Discover Bank and Discover card company blocked from my number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX and asked them to correct the inaccuracies that they reporting inaccurately. 

I contacted the credit report agencies and ask them to verify this account. 

I have been continually disputing this account. 

They continue to place new negative payment activity on my credit report for an account that they say was opened and charged of in XX/XX/XXXX and XX/XX/XXXX Please tell them that they can not continue to due this and make them correct all the incorrect information on my credit report or delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: AMERIFIRST FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We started a refi with Amerifirst Financial Inc. -NMLS XXXX in XXXX of XXXX. The refi dragged on for almost 5 months at no fault of our own. The lender, XXXX XXXX, of the XXXX XXXX CA office continued to string us along with excuse after excuse of why we hadn't closed. I'm requesting our file to be reviewed and believe XXXX XXXX, who runs the XXXX XXXX office is a fraud. 
We were told the delays were due to many refi 's happening which was very believable. We were then told it was because of the holidays ( also believable ), and then again told there was a system malfunction nationwide. We were told about 20 more excuses dragging the refi out, most of which I have retained in text messages and emails. When we finally closed in XXXX, we signed with the notary for a REFUND of almost {$4000.00} and have received NO refund. It is my belief, the lender, XXXX XXXX, extended our loan multiple times without ever discussing, disclosing, or anyone agreeing on fees & he used our refund to cover the cost without EVER disclosing those fees. He now has discontinued communicating without delivering an explanation to where our money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Although we were victims of hurricane Harvey, that has forced us to apply and received a modification, afterwards the government shutdown severely affected homeowners income. After the government shutdown ended we started attempting to make up for payments and now we are being told our payment has increase to an amount we can not afford. We were told this was due to a payment that was stopped. The payment actually was returned, in error I made a payment for the entire amount, an NSF was received and Mr Cooper tried  to run it again, my bank inform me of this and recommended I place a stop payment on this amount because it was not enough funds in the account.We wish to continue to make our payment of {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw a credit alert on my account on XX/XX/2020. I contacted the company that listed it ( IC System ). After a series of phone calls, they had not done anything to provide information on payment, so I sent a registered letter on XX/XX/2020. I had not received a response by XX/XX/2020 and filed a complaint with the XX/XX/XXXX IC System responded to that complaint saying they had sent a letter to me on XX/XX/2020. I received that letter today ( XX/XX/XXXX ) - attached. It does not address the specific questions I asked. They are not being responsive. And, in the meantime, I am trying to resolve this in good faith, but can not proceed without answers from them. 

How are they being held accountable?

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 2017-12-20
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Recast loan misleading - In a XX/XX/XXXX letter, from US Bank, my payment was, to be, as stated ( with recast ) : Principal & Interest, {$240.00}, Current escrow {$97.00}, Total monthly payment {$340.00}. On my XX/XX/XXXX letter, from US Bank, my payment is, to be, as stated ( with recast ) : Principal & Interest {$270.00}, Current escrow {$97.00}, Total monthly payment {$370.00}. Why is there a principal & interest difference of {$32.00} in the XX/XX/XXXX letter, compared to the XX/XX/XXXX letter? I am not signing this document unless it is drafted, as stated in my XX/XX/XXXX letter, payment = {$340.00} monthly. Please clarify & correct the amount, or cancel my recast agreement, this not what we agreed upon. Sincerely, XXXX XXXX. Hello, Typically there is a fee to recast ; however, the offer you were sent to recast under the MHA program is free. You can return the request to recast letter of intent that was included with the letter mailed to you on XX/XX/XXXX, either by scanning it and emailing it back to this email address or mailing it into our office at : U.S. Bank - Recast Dept, XXXX XXXX XXXX XXXX , XXXX WI XXXX. Let us know if you have any additional questions. Recast Department, Mortgage Servicing, XXXX Ext XXXX, XXXX XXXX. Total mortgage amounts changed, I was sent an email there would be no fee, then I got a letter today stating a {$250.00} fee. Please help me as I think US Bank is being deceitful & using trickery to foreclose on my home. Thank you. Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
I am writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. I will enclosed the previous letter as proof that I sent here for complaints and you are reporting those account as not disputed.

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 2021-04-18
Company: M&T BANK CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 I, XXXX XXXX, meet with Bank Representative, XXXX XXXX at Manufacturers and Traders Trust Bank, XXXX NY to discuss the compromise of my checking accounts. 

She creates new account numbers and files for new bank cards. Within days, I receive the cards and within two weeks my car is broken in to and my new banking information -- which was left in my briefcase elsewhere -- was sitting on the front seat of my car. I reported this to the XXXX NY Police Department ( other items were removed from the car including clothing, pruning shears, etc. ). 

Now that I have received the new checks, my car was again broken in to and my new check book was removed from the car. At this time, both accounts are compromised. 

Also, I was traveling at this time ( between NY and NJ ) and when I arrived at the M+T bank in NJ, I was asked by the bank representative when the last time was that I used the checking account. She stated that my account was used just prior to my arrival at the bank ( a debit of {$.00} from XXXX XXXX ). The XXXX XXXX account -- which is not mine -- had my mother 's maiden name in it and the owner as XXXX XXXX. XXXX XXXX is a person of interest in two cases that were opened in XXXX XXXX, CA ( where I was drugged from XX/XX/XXXX-XX/XX/XXXX ). He has since been stalking me and I have not been able to receive help from any authority with this issue. 

The banking issue is certainly one of concern since I now must return to the bank and have them reissue new bank cards and checking account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$380.00}

Company response to consumer: Closed with explanation