BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
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:
On XX/XX/2017 XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2019-05-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Purchased a home on XXXX XXXX with XXXX XXXX the mortgagee, loan was sold to XXXX XXXX in XX/XX/XXXX. Original amount XXXX and change was original note. In XX/XX/XXXX, Mortgage payment increases to XXXX with no explanation for increase. Upon investigating and many hours of phone calls it was discovered that insurance company ( XXXX XXXX ) double billed mortgagee and they paid it without checking that it was already paid., instead they penalize the mortgagor. Bottom line is mortgagee is so big the left hand doesn't know what right hand is doing, and they fail to admit their mistake. The mortgagee also wouldn't accept original payment amount, they called it a short payment, all documents have already been sent to mortgagee

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2019 I submitted a dispute to Equifax regarding unauthorized inquires on my credit report. I also provide them a copy of the Identity theft reporting advising that I have been a victim of identity theft. I submitted all required and necessary information for this to be corrected on my credit report. I am very dissatisfied that I am the victim and I am not able to get inquiries that I have not authorized removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to put in a complaint against Selene Finance and the lender who has my mortgage. I have tried several times to process a loan modification. They are not calculating my income correctly. I keep getting denied as they state I do not make enough money. I was placed on furlough from my current employer from XXXX due to the COVID-19 pandemic. They state that they are willing to help for whoever has been effected. However, they are not calculating the money I received off of unemployment. Why do they ask for 3 years worth of tax returns and W-2 's if they are only going to look at 1 year? Selene also states that they will not use my boyfriends income as the lender does not allow it. However if we were married they would. Even though he is not on the loan. Basically I am being punished for not being married. My boyfriend and I have been together since XXXX and we have lived at the property together since the day it was purchased in XXXX. In New Jersey this is considered common-law. We have written several letters to Selene, basically to be denied every time. This has been going on for over a year causing me to fall more and more behind as they will not take a payment from me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
( 1 ) The former compliant number XXXX The XXXX XXXX XXXX authorized IC system to settle by {$1800.00} of the total invoice {$3000.00}. But I didn't received the revised Official invoice in mail? I need those official revised invoice to make payment ( 2 ) I have attached of my insurance company paid Statement which shows the room and Boarding are duplicate charges? 
I need XXXX XXXX care to explain why had duplicate charges for the same period XX/XX/XXXX-XX/XX/XXXX for room and boarding? 
( see attached ) ( 3 ) I am keep one receiving a lot of doctor 's Bill separately? but according to the XXXX invoice statements they already charge the XXXX XXXX and XXXX XXXX XXXX Team?

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 2018-03-15
Company: EQUIFAX, INC.
State: IN
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 sent two disputes to Equifax, most recent one being XX/XX/2018, regarding inaccurate name and address appearing on my credit report. I have never lived at that address nor gone by that name. I have been told that since name is attached to tradelines it can not be removed. I have contacted these tradelines and they do not have the name associated with my account so I have exhausted all avenues in regards to getting inaccurate name and address removed. The address and name does not belong to me. I have even provided a copy of my drivers license for verification and they still refuse to remove the inaccurate information. Just because it " appears '' on tradelines does not make it accurate. Below are the items that do not belong to me that they continue to report illegally : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has refused to remove hard inquiries on my consumer credit report. I was advised to contact the companies directly. I mailed letters to the companies and they were returned 'undeliverable. ' The addresses listed on my consumer credit report are inaccurate which Experian would have known if they conducted an investigation. The hard inquiries negatively impact my FICO score. Additionally, they violate 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 2017-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX took {$5000.00}. dollar and they said they were going to help me with bank of America due a modification. when I try to reach out to them no one has answer my calls or emails and the phone does n't work now.

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 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2019 XXXX XXXX. XXXX  XXXX XXXX, NE XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : Dept of ED/ XXXX XXXX Unverified Account

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 2019-06-12
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is the same company I tried to get YOUR ( CFPB ) help on. 

You highly regulate my entire career so please help me when I need you. 

GM violated the FCRA by decimating my credit. 

If I reaffirmed the debt with them, they take payments for two years never late BUT REFUSE TO REPORT THE TIMELY PAYMENTS.. HOW CAN THEY LEGALLY LITERALLY BACKDATE LATE PAYMENTS.. This is a violation of the fair credit reporting act. 

I will contact the department of Justice with this if you do not resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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:
I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX  - XXXX XXXX  - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2019XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion was incorrectly reporting that I was late on payment for my HELOC account. I have never missed or been late on a payment for this account and the balance is currently {$0.00}. I disputed the issue with Transunion and my score was corrected. However, the issue reoccurred the next month. I disputed the issue again with Transunion and they have done nothing to correct the issue this time. How many times should I have to ask them to fix this?

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 2018-08-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX in the amount of {$140.00} is being reported onto my account and i have no idea who or what this account is for. I have reached out to XXXX  and they have informed me that this account has been closed and should not be reporting onto my credit file. Yet Equifax  still continues to report information that is a direct result of identity theft. XXXX or XXXX the company they represent has never contacted me about this fraudulent debt not given me the chance to dispute the validity of the account. I have ask XXXX  and XXXX to send me all copies of records relating to this account yet that cant provide it to me so how in the heck are you verifying it Equifax? Please delete or block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In the course of 3 years, I have tried several times to dispute this problem. The college I was attending took down the wrong contact information on my loan application. I did not know that I was missing payments until I was notified by mail. By that time I was around 3 months late. I corrected my contact information and haven't missed a payment on my credit report since then. I tried disputing this situation with multiple credit bureaus with no yield. I also tried contacting the college and was told they could not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence Resource Management ( CRM ) has been reporting a collection account from XXXX XXXX XXXX XXXX in the amount of {$1600.00} to all 3 credit bureaus on my name since XX/XX/2017. The XXXX XXXX XXXX balance was settled DIRECTLY with XXXX XXXX XXXX in payments over the last few months and closed.

Credence has been inaccurately reporting this account on my credit report as a collection and I want this reporting deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Credit Plus Inc
State: MA
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:
XXXX/XXXX  reported on credit report XX/XX/XXXX XXXX/ XXXX  reported on credit report XX/XX/XXXX XXXX  XXXX reported on credit report XXXX Credit Plus reported on credit report XX/XX/XXXX and XX/XX/XXXX I have not authorized any of these

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: TN
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 recently noticed several hard inquiries on my credit report that I did not authorize. I will list all unauthorized inquiries : XXXX. XXXX XXXX XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22 XXXX. XXXX XXXX XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22 These inquiries were not authorized by me and are fraudulent.

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 2018-05-22
Company: ALLY FINANCIAL INC.
State: TX
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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Ally financial has hard inquiries posting for no reason.

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 2021-04-30
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated a mortgage refinance application with NewRez LLC in XXXX of 2020, after several months and many submissions and appraisal expenses they failed to provide the refinancing as promised ... and at the promised rate.. 
I was sent several messages indicating the loan was approved but after working with the 8th different person they informed me two weeks ago that I needed to bring {$18000.00} to closing if I expected the rate which was " locked-in '' in XXXX of 2020..or to approved a rate hike.. 
In the end and after almost 6 months, I withdrew as I need to get the refi accomplished.. 

I think this was very underhanded..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Back on XX/XX/2019 I did a balance transfer from BBVA in the  amount of {$5400.00} that was to go to my XXXX XXXX  XXXX card, bbva sent a check with pay to the order of to XXXX instead of XXXX XXXX, XXXX XXXX  then sent me back the check saying they couldnt accept the check since it needed to be pay to the order of XXXX XXXX. I then called bbva they advised to go there branch deposit the check in my account so I went to the branch and the manager did not want to accept it. Iv been calling since XX/XX/XXXX and each person I speak with tells me something different they open a case they told me my issue should be taken care of in 5-7 business from XX/XX/XXXX we are now in XXXX and I have yet to have them funds put back on the credit card. They then asked me to fax the check with the letter I received from XXXX XXXX  I sent the fax to BBVA XX/XX/XXXX they then told me I should see the funds on the card 5-7 business days from time I sent fax witch would been Monday XX/XX/XXXX. Its now Wednesday XXXX I called them yesterday then was told they dont know whats going on and they could not give me a date when Ill see the funds back on the card but the bill is due XX/XX/XXXX. I have been dealing with this issue now going on a month and they still have yet to resolve the issue. {$5400.00} is showing owed but I have sent proof that the balance transfer did not go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Riverwalk Financial Corporation
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:
XXXX XXXX IS CERTIFYING A DEBT THAT DOES NOT BELONG TO ME. 
I SENT COPIES OF MY POLICE REPORT TO THE COMPANY AND TO THE CREDIT BUREAUS AND XXXX XXXX KEEPS CERTIFYING WITH THE REPORTING AGENCIES THAT THIS MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Selene Finance LP is the current loan servicer for my HELOC loan converted to a interest and principal loan in XX/XX/XXXX. In XXXX I received a notification that the ownership of this loan had been transferred from XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX with Selene Finance as the servicer. I never received any correspondence, i.e. welcome letter, account statement, etc. from Selene. After numerous phone conversations with Selene 's representatives I was finally able to obtain the amount of my XXXX interest and principal payment and it was drafted over the phone by XXXX for {$1500.00} ( confirmation number XXXX ). This was deducted from my checking account on XX/XX/XXXX. I have since received two collection calls regarding my " past due account '' because this payment is " in suspense '' and has never been applied to my account. I called XX/XX/XXXX to obtain the amount of my XXXX payment and was told by XXXX it would be {$2100.00} due to the 59 days accrued interest for the " missed '' XXXX payment. I explained I had been told the funds were " in suspense '' three weeks ago and it was to have been rectified. He said he would have a supervisor correct it and call me with the correct payment amount. After not receiving a call back, today I spoke with XXXX who said the amount still had not been applied to my loan and I should pay the 59 days in accrued interest and the XXXX payment ( {$2100.00} ) and it would be " sorted out '' by my next payment. I refused, he then checked with a Manager and said to pay just the 59 days in incorrectly accrued interest instead. Again I refused, if I paid that amount I would still owe the principal and interest for XXXX. He couldn't grasp the concept but I paid {$1500.00} over his protests ( confirmation number XXXX ). I asked again to have a supervisor contact me ( they are unavailable ) and he said he would make a note. He informed me they were waiving the phone payment charge of {$12.00} and I asked how was I supposed to pay since they didn't have a dollar amount for me to send a check and I can't access my account online. He had nothing to say. I am very displeased with the way my account is being handled and the failure to have a manager or supervisor contact me per my request.

Company response to consumer: Closed with explanation