BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information about a charge off account from XXXX XXXX is reported on my credit report inaccurately. The date of account opened is reported inaccurately as well as the amount charged off. I would like for this account to be removed from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

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 2016-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX/XXXX/16 there was a hard inquiry done on my credit report from XXXX. I called Equifax for help with this and the person told me that I would have to call XXXX she told me it was XXXX XXXX North Dakota and that they were the only one that could remove it. She also told me that because I do n't have some sort of protection on my credit report that anyone could run a hard inquiry anytime, but I could pay {$16.00} a month and that would not happen.I called XXXX XXXX North Dakota and they way it is n't them. I have not pulled my other reports yet from XXXX and XXXX. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been harassed by this company XXXX XXXX since XX/XX/XXXX and prior to this date. They have been calling my home number and cell number requesting payments be made. I am receiving statements in the mail requesting payments on a balance of {$1000.00}. They are claiming they had purchased my account that I had with XXXX XXXX. My supposively charge off date with XXXX XXXX was XX/XX/XXXX. XXXX have sent letters offering reduced payment options. This company has sent negative reports to all three credit bureaus ( XXXX, XXXX, and XXXX Credit ) with an open account date of XX/XX/XXXX. I have sent a certified letter to XXXX requesting this information be immediately deleted from my credit file and to provide me with copies of any documents associated with this account, bearing my signature with XXXX showing that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
i have a fraud alert on my file that i did not request. it has caused me to get denied on a credit card. i need any and all alerts removed i DID NOT REQUEST these alerts i am not a victim of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
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: Their investigation did not fix an error on your report

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 Late Payment Item disputed on XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX Late Payment XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX & XXXX ( XXXX XXXX XXXX Item disputed on XX/XX/2023 XXXX XXXX  ( XXXX ) XXXX Late Payment Item disputed on XX/XX/202XXXX XXXX XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/202XXXX XXXX XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX XXXX  ( XXXX ) XXXX Late Payment XXXX XXXX XXXX XXXX XXXX ) XXXX Late Payment XXXX XXXX  ( XXXX ) XXXX Late Payment XXXX XXXX  ( XXXX XXXX Charge Off XXXX XXXX  XXXX ( XXXX ) Collection XXXX XXXX XXXX XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX ( XXXX ) Charge Off Item disputed on XX/XX/2023 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 Chapters View

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Sterling Infosystems Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Two alternative names are associated with my report with whom I share no relation and have never, ever used ... I have submitted this concern/complaint within the last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

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 2023-03-08
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX late open 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 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 2019-05-01
Company: Higher Level Processing
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I used a 3rd party company, Higher Level Processing to refinance my student loan. This happened through XXXX. Higher Level processing has been deducting fees from my account and failed to pay XXXX causing my account to go delinquent and has now effected my credit to the point that I am not getting approved for my house that I am scheduled to close in in less than a month. XXXX was never able to contact me directly to discuss any late payments as Higher Level set up my information as there office. All emails, postal letters and phone calls went to Higher Level from XXXX and the payments were never made. I have brought my account with XXXX current directly with them, but the credit reporting has not been addressed. I need both Higher Level and XXXX to be responsible for the hit to my credit report and request it be removed from my credit report as Higher Level worked fraudulently to solicit funds from me for a service they failed to provide. Causing my credit report to show inaccurate information. In addition, having the account set up under Higher Levels contact information, address, and emails is an act of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have for 2 years paid my escrow shortage in full. Both years my mortgage payment continues to go up even with a cushion they add in addition to my escrow. I have tried on both years to get someone to explain it to me as I have never had this happen before. I still do not understand a cushion in addition to escrow. If I am paying a shortage in full my mortgage amount should not change. Additionally, I was told I should not pay a shortage and just pay the increase. If I was to not pay and have a payment of $ 590+ a month and I pay the shortage in full and still end up paying $ 568+ a month it doesn't seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: BANK OF THE WEST
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had maintained two MasterCard Cash Reward accounts with Bank of the West, but did not receive the cash rewards stipulated by either one of them : 1. {$330.00} on one account, and 2. {$6.00} on the second account. I attempted three times to redeem these rewards, first by calling the bank call number, second by visiting the XXXX XXXX branch, and the third time writing a letter to the bank, but they have failed to provide my earned rewards.

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 2018-05-11
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2016-01-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: MD
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 would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In late XXXX of 2020, we attempted to refinance our mortgage with Wells Fargo and were trying to include a 'cash out ' to be used to payoff student debt. On XX/XX/2020 we submitted a payment of {$660.00} from our checking account for the appraisal of our property. Shortly thereafter during the first week of XXXX, we were contacted by the mortgage consultant and told that they would not be able to do the appraisal due to COVID-19 impacting individuals conducting appraisals. During that phone call, we cancelled the application. 

Via email, I have contacted the consultant repeatedly over the past month. As of this date, XX/XX/2020, the appraisal fees has not been refunded to our account. 

We were required to submit the fee immediately so the refinance application could go forward. Yet, Wells Fargo has held those funds for over a month.

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 2017-11-24
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I have contacted XXXX XXXX/LensCrafters to attempt to get a late payment removed from my credit report to all bureaus. I contacted them when the original late payment was reported. It reflects that I was 30+ days late. At the time i was receiving paper bills and never received one for that statement. When I called to inquire about not getting a bill i was told it was already 30 days late and had been reported but since i had never been late before, with good account standing moving forward it could be removed. I paid off the account in XX/XX/XXXX and the account has been current for 34 months. I called the company on XX/XX/XXXX to request it be removed and the person i spoke with was not compliant. I am asking that this issue be resolved.

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 2019-09-23
Company: SUNTRUST BANKS, INC.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2016-02-02
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please see disputes : XXXX,XXXX, XXXX, XXXX, XXXX. These are ALL disputes for the SAME creditor. In the previous disputes, they admitted that hey do not have me in their files nor can they find me. When I disputed their false charges again through Transunion, they " suddenly '' invoiced me AGAIN! Invoice is attached. This is unacceptable and after admission that they do not have me int heir files, this creditor has no basis to assume these charge are mine just because I made a dispute! For the 8th time, this charge is NOT mine. The name on thsi charge is not even mine! My full name is XXXX XXXX, it is NOT XXXX XXXX. XXXX XXXX is my MOTHER. For the love of all that is holy, these charges are NOT mine and they need to be removed ASAP! I again reiterate that I had NOT received anythign from Gen Bus Recoveries until I disputed the entry on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: GUARANTEED RATE INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Greetings, I closed on my home on XX/XX/XXXX. My first mortgage payment was scheduled for XX/XX/XXXX. The mortgage company provided coupons to submit my first payment until my servicer was assigned. 

I wrote a check and sent my first mortgage payment on XX/XX/XXXX. The mortgage company cashed my check ( # XXXX ) in the amount of {$1100.00} on XX/XX/XXXX. 

Upon receiving my first statement, I realized that my payment was not on my 1st months statement. Also, they had the wrong address and documents that belonged to someone else in my servicing portal. I sent an email to the mortgage company and servicer with proof of payment ( photo of cashed check ) from my financial institution. I continue making payments each month for XX/XX/XXXX and XX/XX/XXXX. 

I was under the assumption that the matter was settled. On XX/XX/XXXX, I received a phone call from their collection unit stating that my loan was behind 60+ days. They put my loan in forbearance. I received 2 certified letters and 2 regular letter that my loan was in default. I called the company and spoke to two very mean individuals who would not assist me with resolving the matter. I called a third time and was greeted by a very pleasant representative who explained the they were at fault for losing my first mortgage payment and provided me with an email to submit proof of XX/XX/XXXX payment once again. In order to bring my account current I submitted an additional payment on XX/XX/XXXX. As of XX/XX/XXXX, this matter is still under investigation, and not resolved. 

It is not fair that my mortgage company lost a whole months payment and I am being penalized. My next payment is two weeks away and I have to cough up another mortgage payment. I should not be due to pay them until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that SOUTHWEST CREDIT SYSTEMS would verify the debt. So I took it upon myself to ask SOUTHWEST CREDIT SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On several occasions I have contacted all 3 credit bureaus and I have asked for late payments to be removed because payment was lost in mail for XXXX and XXXX pay.ents 2017 so O should have only 1 late payment over a 5 year period with the auto loan. I spoke to a representative from XXXX XXXX and was told that my account would be updated to this day it has not been. Also they are reporting last payments as 4 months ago etc showing balances never going down etc, I have added remarks to my credit file which is a direct dispute under FCRA requirements

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