BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CoreLogic XXXX XXXX XXXX is reporting invalid, and therefore unverifiable information about me to apartment communities and it is impacting my ability to obtain housing. 

I have contacted the two companies they are reporting and each does not have a record of a debt owed to them by me. Furthermore, I have not been evicted from any of the properties on the CoreLogic Report. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), I sent via USPS Certified Mail, two dispute letters demanding to see proof of these debts as required under the FCRA. I also initiated a dispute via phone. CoreLogic has claimed three times that they have verified the debts and they have not removed them from my consumer credit report. CoreLogic has NOT provided me a copy of ANY original documentation required in the FCRA under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA which states you are required to promptly DELETE all information which can not be verified. 

Please assist me is getting CoreLogic to furnish to me the evidence required under the FCRA. I suspect they have no evidence because both companies do not have a debt on record for me. 

The following Public Record items are in question from the consumer credit report CoreLogic has furnished to apartment communities to which I have applied for an apartment : 1. Plaintiff XXXX XXXX Case # XXXX Case # XXXX Case # XXXX XXXX. Plaintiff Original XXXX Case # XXXX CoreLogic Internal Dispute Info : Dispute Type : Phone Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Thank you, 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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/XXXX I disputed online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I sent out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
I have multiple fraudulent inquiries on my account as well as accounts.

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 2020-07-31
Company: R & B Corporation of Virginia
State: VA
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:
Credit Control Corp ( collector for XXXX XXXX XXXX ) is reporting collections on my XXXX report that was included in a bankruptcy that was discharged on XX/XX/2019. I disputed with XXXX & it was updated to include a statement that it was included in bankrutpcy, but that is insufficient as it still is showing as an active collection account that is impacting my score. I need this account removed. It is not an active collection account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo will not correct the second mortgage showing on my title and they have been avoiding it for over 15 years. This time they are trying to blame it on another bank, XXXX XXXX XXXX. I want this corrected. I have never had a second 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 2018-05-21
Company: Equitable Acceptance Corp
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:
Around the beginning of XX/XX/XXXX, I was contacted by Student Advisors who told me that they provided " student debt services '' and could get student loan forgiveness through them at a certain fee. Being deceived, I signed an online " contract '' w/ them to start using their services. Their " financer '', XXXX XXXX XXXX has since w/drawn {$130.00} twice, once in XX/XX/XXXX and once in XX/XX/XXXXwith a third w/draw scheduled to be w/drawn from my credit card on XX/XX/XXXX. I have spoken to a XXXX XXXX, an XXXX XXXX, an XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and a XXXX. All of them told me that the work directly w/ the Department of Education to get student loan forgiveness, and they were very deceiving and convincing. Seeking relief from student debt, I had already been contacted randomly inXX/XX/XXXX, by another " company '' that I forgot about, Student Advocates whose " financer '' is Equitable Acceptance. I have been making payments of {$39.00} ( sometimes a little more or less ) plus interest monthly since the above mentioned date. Being XXXX, I have sent both these companies copies of my tax returns, paystubs, as well as sharing private, legal information such as my Federal Student Aid ID w/ them after being deceived into doing so. XXXX XXXX XXXX claimed that they work directly with The U.S. Department of Education. Equitable Acceptance claimed that they work with my student loan servicer, XXXX. After speaking to XXXX, The Department of Education, and Federal Student Aid, FSA, they told me that they don't work with third part entities and that neither one of these companies have been in touch with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2019 a letter was sent to each credit bureau ( XXXX, Transunion and XXXX ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: MD
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 2015-11-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My VA home loan was refinanced through XXXX XXXX XXXX ( OCWEN/XXXX ) and closed through them in XXXX XXXX, of 2013. Promising a lower monthly payment, with the majority of the monthly payment being applied to the principal on the loan amount versus the interest. Since refinancing in XXXX of 2013, OCWEN has reported a delinquency on the account since XXXX XXXX of 2013, even though the loan was actively being paid with no late or missed payments. The loan was in OCWEN 's responsibility since XXXX XXXX, 2013. They are reporting my loan as delinquent since XXXX XXXX of 2013 when it was still being handled by XXXX XXXX XXXX. How is this possible? I am now receiving reports of an " approved '' foreclosure process on my property, that is actively being paid. OCWEN is now reporting I am in debt to them upwards of {$47000.00} and has since transferred the loan to XXXX XXXX. They have not only mishandled my payments, they have damaged my credibility as a borrower until this issue can be resolved. I have trusted OCWEN to handle my mortgage appropriately, only to be told that I 've been not paying a loan ( which has been actively paid ), been hassled about imminent foreclosure, and given the run around on any information I try to seek from them. OCWEN will be responsible for bringing my mortgage account to a current paid status, with no faults on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: The Bureaus, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The alleged debt is well over 12 years old or more. We believe the debt was discharged in a bankruptcy but if not, was most definitely written off at least that long ago. We had not heard from XXXX : XXXX XXXX or the alleged current creditor Bureaus Investment Group Portfolio NO 15 LLC for over 11 years and suddenly in XX/XX/XXXX we got a notice from a collection company about the alleged debt seeking a settlement offer. At the bottom of this notice it said " because of the age of your debt you can not be sued for it and it can not be reported to credit reporting agency. '' When we talked to a paralegal friend we were told that if we submit any kind of response whatsoever, it will permit them to reinstate the claim on our credit record and have another 6 years to try to collect it. Therefore, we did not respond despite getting a new notice every few months. In XX/XX/XXXX we got a notice from a new collection company for the same alleged debt seeking to collect this alleged debt. On their statement was included the same information stating that due to the age of our debt we can not be sued and it can not be reported against us. And that making a partial payment will allow them to report back to our credit and reopen the account. Again we did not respond. Now today, XX/XX/XXXX we got a letter from yet another collection agency on this alleged debt threatening to sue and accusing of being is severe default on the account. No where on this new letter does it say we can not be sued due to the age of this debt. We have reason to believe that Bureaus Investment Group has reported this against our credit now and has illegally invoked collection practices on an account that was written off or filed in a bankruptcy over 12 years ago. The law states if we submit a claim denying we owe the account or anything that will cause the collection company to have to verify the company can then start the 6 years over and sue us for the debt. So we do not know how to resolve this without having this debt reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2022 for my graduation I was buying shoes from macys when the man at the counter told me I was getting a gift card from the store that I could use to pay for the shoes. I put it my information. A few months later, I realize it was actually a credit card as now I am getting calls from a collection agency??? My credit is shot as I am applying to law schools, I can not even buy my own apartment because of 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 monetary relief
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: CT
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 been unsatisfied with the investigation result process. I have disputed with the credit bureaus with no response at from all of them. I sent out a letter XX/XX/XXXX, then XX/XX/XXXX and still have not received anything over the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To Whom It May Concern : Due to several inaccurate calculations on my account XXXX ( FHA XXXX ) with Mr. Copper ( loan mortgage company ), I would like to request this account to be audited/reviewed.

On XX/XX/XXXX, I closed the sale of my home and on XX/XX/XXXX the payoff wire was sent & received by Mr. Cooper as per their payoff demand ( pages 1-5 ) On XX/XX/XXXX, I notice my account was not yet closed. I contacted a customer service representative ( XXXX ) who informed me that due to disbursement of taxes made, the payoff amount increased {$470.00}, however it was not disclosed. In speaking with XXXX, I felt very discriminated due to my accent. She had an attitude and was very disrespectful. I decided to reach out to the title company. Me and escrow officer ( XXXX XXXX  ) XXXX XXXX XXXX, spoke with XXXX, who advised us they did not calculate enough funds in the escrow account to the disbursement that created a shortage on the wire payoff. We were informed initially that the shortage would only be {$470.00} due to the tax disbursement. I called back on the same day at about 1300 hours to make a payment on the shortage. Of {$470.00} and spoke with XXXX. She was very uncooperative and threatened me that if I did not make a payment of {$1200.00} fully satisfy the loan, Mr. Cooper would send the wire payoff back to the title company, causing for me to get a 30 day late. XXXX coerced me to pay an extra month of interest which was not needed. Paid confirmation # XXXX This is not the first time I have noticed extra charges being added to my account. In my mortgage loan statement XX/XX/XXXX, I neither noticed a charge for {$15.00} for an inspection never disclosed nor was I informed one was being done. ( see page 6 ). I spoke with representative ( XXXX XXXX ) who had no knowledge of what the inspection was for or why I was being charged.

I was very disappointed and concerned of the lack of customer service, disrespectfulness and how my loan was handled with these miscalculations. Further, their pay off demand was good through XX/XX/XXXX the day they received the wire. For that reason, I would like to request to be refunded the interest collected for the month of XXXX. I should not be penalized one additional months of interest when they received the pay off demand on time. Therefore, I would like to request my account XXXX ( XXXX XXXX ) with Mr. Copper ( loan mortgage company ), to be audited/reviewed. 

If you have any questions, please contact me at your earliest convenience. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
To maintain A-List status with XXXX XXXX, you must either earn XXXX points or fly 25 one way flights. XXXX has a credit card with Chase and there is a marketing promotion that if you sign up for the card and spend {$1000.00} you get XXXX points. The marketing promotion did not clearly specify that these XXXX points would not go towards the A-List status. I checked my account and noticed that the XXXX points were applied to the Companion Pass status, but not to the A-List status. I called XXXX and asked why the points were not applied to the A-List status and their response was that the points only go towards my overall point balance and the Companion Pass status. I explained to them that this was not clearly stated in the promotional material that I received and had I known this, then I would not have signed up for the card. I signed up for the card because I wanted to use the XXXX points to maintain my A-List status for next year and knew that I would not be flying 25 one way flights this year. I found the marketing material to be very deceptive and am certain that I would not have signed up for the card had I known that the XXXX points would not count towards my A-List status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX Wells Fargo open a secured credit card for {$300.00} under my name without my knowledge or consent. I just recently discovered this by checking my credit report other than that I have never been aware of this account. It also shows a highest balance of {$410.00}. The account was closed 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 monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
TD Bank pulled a bait and switch on my mortgage closing costs. They are in violation of Non Disclosure, Deliberate misrepresentation on Legal documents, Overcharging by manner to deceive customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, 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:
I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX  XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX   XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief