BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: Credit Corp Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name CREDIT CORP SOLUTIONS IN Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$670.00} Collections is not from original creditor. I do not owe Credit Corp Solutions- ( account # XXXX ) {$670.00}. I never heard of Credit Corp Solutions. I never did a contract with them. 
Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Their also reporting inaccurate My understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that " The data should be reported to the specified definitions in order to process credit information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've spoke with Wakefield and Associates four times to have three medical bills removed from my credit report. They were made in error by XXXX XXXX. XXXX requesated them to be cleared from my credit report and Wakefield has refused to provide me with any information to show they have complied. The last time I spoke with an agent with Wakefield she placed me on a ten minute hold then told me " We have a process and hung up on me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
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: Personal information incorrect

Complaint:
To Whom It XXXX Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX NORTH, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX 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 2021-05-15
Company: CORELOGIC INC
State: KS
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:
We purchased a Time Share XX/XX/XXXX from XXXX XXXX. We updated this on XX/XX/XXXX when they offered and approved me for a XXXX XXXX XXXX XXXX where they paid off the original Mortgage and reported it on my credit report as {$0.00}. We upgraded XX/XX/XXXX and XX/XX/XXXX when we purchased additional points. 

We purchased additional points XX/XX/XXXX the other open mortgage should have been reported as a {$0.00} balance when this was added to the XX/XX/XXXX upgrade. 

I applied for a home mortgage where XXXX XXXX discovered my credit report showed I had three mortgages with XXXX XXXX which is incorrect. I have one loan and one payment. 

XXXX XXXX contacted XXXX XXXX stating this is causing a delay in obtaining the home loan and could cause me to possibly not be approved. XXXX XXXX refused to fixed the errors. 

I called XXXX XXXX asking for this to be corrected they said they were sorry for the error and they only show the one loan and one payment. 

XXXX XXXX attempted again to get this corrected, XXXX XXXX refused so I am paying a higher interest rate and was forced to pay mortgage insurance due to XXXX XXXX failure to correct their errors on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: MO
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:
After filing a complaint yesterday against equifax for not resolving a dispute that was inaccurately filed .. equifax responded and still said that XXXX XXXX balance was XXXX and its actually XXXX. How do things as important as someones credit get unresolved. Not only were the other disputes not resolved but XXXX XXXX still shows alarms balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
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: Personal information incorrect

Complaint:
To Whom It XXXX Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX NORTH, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-15
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied for a home loan with XXXX XXXX XXXX in XXXX, AL and upon the initial review it was not made known that I had two loans with American Education Services ( original {$3000.00} each, now {$6000.00} each ) that did not show a monthly payment amount. I did not notice this until the 11th hour of closing, XX/XX/2021, where closing is XX/XX/2021. Now I know why the loan consultant kept mentioning DTI. Instead of listing my actual monthly payment of {$25.00} on the credit report that I consistently paid with an arrangement due to a chronic medical issue. Before this payment, I was making {$42.00} each loan for three years straight ( {$84.00} XXXX without a decrease in principal in which documentation is attached. XXXX XXXX Loans has assessed the 1 % rule to these loans now totaling {$12000.00} which is showing a monthly payment of {$120.00}, bringing up my DTI where I have to put down 20 % instead of 16.5 %. This is very stressful, to say the least, unfair, and a violation of fair credit law. The loan consultant at XXXX XXXX XXXX is refusing to accept my request to correct the matter due to time constraints and the fact that these loans are in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE 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 2022-04-04
Company: Union Home Mortgage Corp
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX. loan with more than 20 % down still charging me PMI. they stated i needed to wait 2 years. Waited the 2 years to take off PMI ; XXXX of XXXX send to their PMI department via email : appraises from a licensed AZ XXXX. We actually did XXXX and when doing a XXXX  home a number from inside the home has to be on appraisal and their XXXX they XXXX new build -- hired never ever went by the home or step inside. their XXXX gave comps from other side of town that has nothing to do with our home comps in our general area. Union Home Mortgage told me to appeal the appraisal with XXXX and he would not correct information. The homes in our area were smaller going for $ XXXX in XXXX he gave comps $ XXXX ; Fast forward : We have been asking mortgage company since XXXX to take off PMI. They have been escalating calls to PMI department since XXXX. No response back. Our last Licensed appraisal we received and forwarded via XXXX XX/XX/XXXX to : ( XXXX ) XXXX value $ XXXX we owe as of today {$130000.00} They said they started processing XX/XX/XXXX. But they have per themselves 30 days to process, were in XXXX now. Please help resolve this problem. Thank you in advance.

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 2021-05-15
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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: R&R Professional Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently obtained a copy of my credit report and found inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: DISCOVER BANK
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 I received an unsolicited solicitation for a student loan. 

This mailing contained NO INTEREST RATE information other than " no payments until after graduation ''. This appears to be fraudulent scam mail, and I believe it is illegal. I will NOT respond, of course, so I have no account with this business. If it is not illegal to entice and entrap consumer students in this way, it should be illegal! I will be contacting my XXXX Representative with this information. 

The source was : DISCOVER Student Loans, Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Step 1 : What is this complaint about? 
This complaint consists of my inability to get my property refinanced with Freedom Mortgage. I have had a mortgage with Freedom Mortgage for almost two years with an interest rate of 4.25. Recently I applied with them to refinance my home. For the last 3 months they have been giving me the run around. The latest thing they have told me is I don't qualify because of a item that shows from XXXXXXXX XXXX. XXXX has told me that this item was discharged 10 years ago. I am seeing my neighbors, who are white getting refinances and home loans who have bankruptcies and foreclosures on their credit report. This leads me to conclude I am being discriminated due to the color of my skin. ( I happen to be XXXX. ) Step 2 : What type of problem are you having? 

Read above Step 3 : What happened? 

Read above Step 4 : What company is this complaint about? 

Freedom mortgage Step 5 : Who are the people involved? 

Mortgages at Freedom Mortgage

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 2021-05-15
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years. 

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.

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 2021-05-15
Company: CITIBANK, N.A.
State: CA
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 have a citi Visa card. It was through the XXXX membership promotion and part of the requirements is to sign up a credit card with Citi bank. I no longer owned the XXXX membership and my credit card was forced to be closed due to the promotion to XXXX membership. 
However, I havent paid off on my balance in the card and Citi bank doesnt allow my access to my account. I believe it is my right to have to access if I am still obligated to pay off the balance. 
They claim that they would start sending me a paper statement but if my account is close and I dont have an access to the account, how would I be able to receive a monthly statement. What if it get lost in the mail, whos reasonable for it if I miss a payment? I would not like to have a missed payment or not knowing how much Ive paid off and how much I still owed. If I am still responsible for the account, I should have the access to the account. 
Thanks, 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