BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: PA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Original Loan amount : {$280000.00} Payoff amount : {$240000.00} PMI monthly : {$110.00} Current home Valuation : {$310000.00} Origination Date : XX/XX/2015 I tried to eliminate the PMI based on the home value and ratio to original borrowing. I wrote Flagstar to  request cancellation of monthly PMI of {$110.00} per month. They refused citing 75 % ratio of remaining balance to original borrowing not met. They advised I could pay {$520.00} to appraise the home to update the value. I paid the money, they sent an appraiser then made a faulty calculation of {$260000.00} - {$16000.00} below the original borrowed amount after 5 years in a steadily appreciating housing market. Appraiser did not use comparable homes next door that recently sold and on same street and neighborhood but erroneously used condos close by that do not include land value in consideration. My home is an attached townhouse - not a condo. There is no HOA or shared land usage/value. I have all the details. I appealed the decision. They then revised their estimate to {$280000.00}. This is fraudulent by Flagstar and a blatant attempt to continue to receive PMI payments and a conflict of interest. The house was appraised by another mortgage company at {$310000.00} and all third party comparable show the house to range from $ XXXX {$350000.00}.

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 2020-11-09
Company: Experian Information Solutions 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:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX XXXX {$1600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2021-05-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Complaint- SLANDER OF CERTIFICATE TITLE No 804-396 Recorded with Hawaii Bereau of Conveyance by XXXX XXXX XXXX XXXX XXXX 

XX/XX/2014 MERS ELECTRONIC REGISTRATION SYSTEM INC AS NOMINEE FOR XXXX XXXX XXXX the owner and holder of the Mortgage acknowledged the mortgage satisfaction and release of lien of my indebtedness. 

XXXX MERS Recorded the release as Doc No XXXX XXXX XXXX for Cert title # XXXX. 

XX/XX/2014 - XXXX XXXX recorded its Release as Doc No XXXX XXXX for Cert title XXXX. Four years later XXXX The same XXXX recorded a LP. LIS PENDENS against my property. as Doc No XXXX XXXX Attached are copies from XXXX XXXX XXXX now Recorded with Hawaii Bereau of Conveyance. 
I'd like to know if this is normal legal practice for a bank to file a lawsuit that it never intended to persue just so it can Cloud my title with this LP and more so after itself recorded a Released over a period of years back. 
This is davestated, and I truly want to know what is the LP for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Amounts of {$690.00} AND {$710.00} from a company based in Texas called Law Offices MBA. The balance date was for XX/XX/2023 but I don't know when it's saying that I acquired the debt. Either way, I know that I did not acquire the debt because I have been extremely good about paying off anything that I get and also I've already reported my identity being stolen once before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contracted with Home Depot for a General generator and to upgrade my electrical box from XXXX amps to XXXX amps. During the performance of those services they damaged my home. I have been without hot water as a result for XXXX Weeks. Home Depot customer service either hangs up on me when I call or provides no assistance. Their contractor denied liability, their insurance company XXXX mimics XXXX false narrative and denies liability. XXXX, XXXX is attempting to extort m for additional money to fix the damage they caused. I tried disputing the charge on my Home Depot credit card for services not rendered and,, for reasons convenient to Home Depot and XXXX, I am unable to do so and am unable to speak with anyone. New Jersey has a serious problem regulating its contacts. My next contact will be to the media.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: AZ
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 went to XXXX  XXXX  XXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$6500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. NOT PROVIDED ACCOUNT NUMBER XXXX BALANCE {$640.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2600.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$8200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$1500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$3400.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: AFNI INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/20 Dear to whom it may concern, Thanks so much for contacting me and bringing this matter to my attention. I want to get this matter taken care of as quickly as possible. To whom it may concern, I recognize your monthly statement is an offer for me to pay the bill. And I am happy to pay it immediately upon you providing me proof that my signature and note did not pay my account statement in full at the time of closing. By the way, To whom it may concern, please feel free to take me to court because there, I am sure the judge also would love to see your proof that the account was not fully paid at closing. One more thing, To whom it may concern, I noticed your monthly statement had an all caps name on it. That is not my name as my name is written in an upper- and-lower-case grammar style. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
US Department of education and the US Department XXXX XXXX this information is on my credit reports Transunion and XXXX. I did not authorize or give authorization for this to be on my credit reports. Ive been disputing these school loans but have not been successful in having them removed its been at least more than a year on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: MO
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 writing to dispute the accuracy of the information on my credit report. After reviewing my credit report from your agency, I have identified several accounts listed with incorrect account numbers. I kindly request your assistance in investigating and rectifying these discrepancies. Below, I have listed the inaccurate account information : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX reporting to XXXX and XXXX and Account # XXXX to Equifax. 
Please note that these incorrect account numbers are not associated with my credit history or any accounts I have opened. I believe this misinformation could potentially affect my creditworthiness and financial standing, which is a matter of great concern to me. 

Also, the company that operates as a business under XXXX XXXX XXXX is not licensed to collect in the State of Missouri where I am a resident. I have attached their state licenses in the attachments. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to rectify the inaccuracies promptly. As per the Fair Credit Reporting Act, I kindly request that you complete the investigation within 30 days and provide me with a written response of deletion for violation of reporting inaccurate information regarding the findings. 

Furthermore, I also request that you update my credit report to reflect the accurate account information. Please ensure that any associated negative remarks or impact on my credit score resulting from these incorrect accounts and account numbers are deleted accordingly. 

Enclosed with this letter are copies of relevant documentation, including my credit report highlighting the inaccuracies and any supporting evidence, such as account statements or correspondence.

I understand that it is your responsibility to communicate this dispute to the furnishing creditor ( s ) promptly. I expect that you will fulfill your obligations in accordance with federal regulations to ensure the accuracy and integrity of my credit report. 

I kindly request written confirmation of the receipt of this dispute letter and your acknowledgment of the investigation process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
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:
My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.

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 2020-07-16
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attended XXXX university back in XXXX ; I only attended the college for a week. The policy stated that if you withdraw from the college the first week, then the balance owed Is XXXX. about two years after withdrawing from the institution, I received a bill from Ability recovery services for XXXX dollars. I reached out to them about the debt I tried to dispute the debt with an account representative, they argued with me about the debt and refused to help me. I then reached out to XXXX University for help ; they told me there was nothing they could do. I would have to contact the collection agency. This year I submitted a dispute to the collection agency once again ; they took {$5.00} off the bill when the balance should be 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 2020-07-16
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this company {$290.00} for a {$200.00} loan already back in XXXX of XXXX, i transferred my job to a different Location in Virginia and lived in XXXX Virginia areas. They kept calling me and i told them stop it and paid them with my tax refund that year in XXXX and they're just harrassment in my emails and all. I lost my job due to covid19 and I refuse to pay them again. I don't have documents because I moved to many times. It has now negatively affected my credit reports and scores. I just want them to stop it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: STL HOLDING COMPANY, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are both XXXX and needs to file the company about the PMI. We purchased the home on XXXX XXXX XXXX in XXXX XXXX, LA. XXXX on XXXX XXXX and we closed on the home on XXXX XXXX and sold that moment. We did cancel the homeowner insurance and property tax that we got some money back from them but the PMI name is XXXX XXXX XXXX  can not get some money back since we paid the DSLS Mortgage, LLC infront with cash {$3400.00} around XX/XX/2018 to avoiding the PMI for 10 years but we only lived there for 18 months bec there were too many issues on the home. The service DSLS Mortgage s lender was convincing us to pay in front with {$3400.00} that moment and we shouldve not pay infront at the first place. They said no money back. We dont undy and one of my atternoy from the closing on my home told me to file with CFPB to see what s going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-05-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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:
On XX/XX/XXXX, I sent certified letters to each of the 3 major credit reporting agencies ( XXXX XXXXXXXX XXXX # XXXX ) ; ( XXXX XXXX # XXXX ) ; and ( Equifax XXXX # XXXX ), asking for verification of 100 % accurate reporting of my credit report. I received verified information from all 3 bureaus. How is this information verified as accurate when there are still variances from each bureaus report. Variances include : number of late payments, addresses that I have never lived, account opened dates, employers that I have never worked for, and even a spouse -- when I have never been married. 

XXXX XXXX XXXX : variance in the dates account was opened on XXXX and XXXX  reports. Verified as inaccurate by Equifax, and deleted. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports. This also surpasses the allotted time on my credit report, as it was placed on XX/XX/XXXX. 

XXXX XXXXXXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports.

Company response to consumer: Closed with explanation