BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
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 was checking my credit report, there are so many negative information. I told you, this information does not belong to me. Im sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Harmon Law Offices, P.C.
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a XXXX XXXX and XXXX and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of Harmon Law Offices PC refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXX old man and I want to fight for what is right.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX, In account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX 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

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$75.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-04-23
Company: Innovis
State: LA
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:
In XXXX after checking my credit report I noticed that several files were not mine. Innovis was reporting a XXXX XXXX account. This account does not belong to me. I disputed with Innovis. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). Most of these accounts have already been deleted from the other bureaus and the companies agreed to request removal of the items with the latest coming in XXXX. I contacted Innovis several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Innovis is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The Experian Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting 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 explanation
Consumer complaint received 2022-04-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pennymac loan company bought my mortgage. My escrow payment increased and they did not notify me. I have the payment set to autopay, so my mortgage payment was {$50.00} short. Pennymac did not apply my mortgage payment and instead held the payment in suspense. They did not send a letter or an email. I called them, and they informed me that I have to check my inbox on their website. There is no other way I could've learned about the changed payment amount.

I learned about the changed payment amount after Pennymac left me multiple voicemails asking me to call them without explaining the purpose of their call. I called them back three times and waited on hold for over 20 minutes each time. After finally being connected with a person, I learned my payment was short. That person was unable to change the account settings to start mailing paper notices. 

I went to their website and logged in, and changed the communication settings to receive notices by mail. I attempted to make a payment for the additional {$50.00} due, but their website would not permit me to make the payment. It would only permit me to make a full mortgage payment without reduction for the nearly full payment they have held in suspense. This is effectively charging me my mothly mortgage payment twice. 

I am highly disappointed in their service ( or lack thereof ). I look forward to my loan being bought by another servicer in the future and I do not want to continue doing business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, Transunion and 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 2017-09-29
Company: POPULAR BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From the period XX/XX/XXXX through XX/XX/XXXX three requests for payoff information for this mortgage have made. Requests have been made by both the borrower and refinancing lender. In each occasion XXXX XXXX/Banco Popular has claimed it will take 7-10 business days to produce the information and it will only be provided by mail. After the first request they claimed that no previous requests were made and no information has been received. This is preventing me from refinancing and costing thousands of dollars as a result of their refusal to provide basic 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 2022-08-15
Company: EQUIFAX, INC.
State: OR
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:
XXXX XXXX is still showing my loan payments as not being paid monthly when I have been making monthly payments since XX/XX/XXXX and before that in XXXX. They have been saying that my payment is late on my credit report, and not being made every month when I have proof that I have been making payments on their website monthly since XX/XX/XXXX. Every attempt I try to contact them is unsuccessful as they put me on hold and never reconnect or never answer the online chat box.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: TD BANK US HOLDING COMPANY
State: NY
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 XXXX XXXX I went to XXXX XXXX to possible purchase a vechile. XXXX XXXX never informed me they would be having other banking financial run my credit. Now I am trying to refinance my house and this is holding me back XXXX XXXX XXXX XXXX TD Bank- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting 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 explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XXXX  As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted 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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I been receiving constant telephone calls of harassment, profane and abusive language and threats of violence from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX   XXXX XX/XX/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 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello my name is XXXX XXXX XXXX I transferred money from a EDD Bank of America account to my XXXX XXXX XXXX XXXX the amount was {$250.00} I must have forgot one of the numbers and it was transferred but not to my account upon realizing that I notify the financial institute right away but they told me that there was some type ofproblem with locating the transfer and i keep getting the run around. They really didnt give me a solution and they just send me a letter stating that they can't help me but it's clear that the money was sent from my account because the funds were deducted. These funds were never replaced nor were they deposit back to my EDD account they pretty much just wellnits lost. I would like to see what happened to the money and get a trace on the electronic transfer simply closer

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 monetary relief
Consumer complaint received 2017-09-29
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 15 consecutive calls between XXXX and XXXX this afternoon ( XX/XX/XXXX ) from  XXXX. On Tuesday, XX/XX/XXXX, they called three times at XXXX XXXX. I have XXXX the number, researched it on a number of sites, and found that it is a medical debt collector. They did not leave a message on my voicemail. I have screenshots from my phone to document the calls, and can easily obtain records from XXXX XXXX, my cell phone provider. I have 18 calls this week. This is blatant harassment, and I should be financially compensated for this abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Prestige on 2 different occasions ( once on XX/XX/XXXX another on XX/XX/XXXX ) requesting validation of the alleged debt per FCRA. This is not my debt. I 've gotten no reply to either letter sent. Prestige is reporting invalidated information to major credit bureaus and causing defamation of character and creating a hardship for me, while also refusing to respond to correspondance. On these grounds alone, I demand that this be deleted from the credit file immediately. I have given ample opportunity to allow Prestige time to validate this alleged account. Attached is letters sent to Prestige financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
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: Their investigation did not fix an error on your report

Complaint:
Tried contacting the credit collection agency, they never responded. I tried contacting XXXX and Equifax and they still will not correct this error on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting 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