BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
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: Account status incorrect

Complaint:
I have attempted to get the credit agencies to remove this account. The credit agencies are now in violation because the statue of limitations has expired on the account listed below. 
ACCOUNT NUMBER XXXX XXXX  - XXXX Date Opened XX/XX/2013 This negative remark should have already been removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, my wife and I went to XXXX  XXXX of XXXX to start our search for a vehicle. I was explicitly clear that I did not want a hard inquiry pulled on our credit as we were just starting the process and simply exploring our options. After leaving the dealership without purchasing anything or pursuing anything further, I learned a hard inquiry of our credit histories was pulled against our wishes and without our consent. I have attempted to contact the company to remedy the situation, but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
Transunion has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX  accounts XXXX  XXXX accounts and XXXX XXXX  WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of XXXX I need the credit to be correct and its only right to do so.

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 2021-02-10
Company: Credit Card Acquisitions Group
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted XX/XX/XXXX by an attorney working on behalf of XXXX XXXX XXXX stating that I had a judgement entered against me in XXXX in XXXX, Virginia. Upon research appears this was common practice of XXXX XXXX XXXX ( aka XXXX XXXX XXXX that affected members of the military. During the time of the loan in question I was stationed at XXXX XXXX, NC. Though I have no recollection of visiting these stores, it is entirely possible that I purchased something from such a location. 

The attorney went further to explain they would not enforce a garnishment but would proceed to put a lien on my home if I failed to pay. He also informed me of an interest rate of 19.96 % having been entered during the judgement and relayed that over {$2000.00} had accumulated in the nearly 10 years of this judgement being entered. This account had went from around {$1300.00} to about {$3300.00} in the time since judgement. I had never been served during this time period and was unaware of such activity taking place without my right to dispute or appear in court. 

From subsequent research I was able to find that many of these claims were set aside or refunded, as they showed lack of proper process in notification. This issue has apparently eluded Foster and Monroe LLC ( the attorney that has reinstated the adverse credit items on my report and contacted me for collection ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i am writing this due to non-compliance with the ( XXXX, XXXX, XXXX  ). they have failed to remove information that was affiliated with personal details that were challenged in the past. i strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a AFNI stating that I owe them {$410.00} for XXXX. I have no knowledge of this account. I mailed a letter to AFNI on XX/XX/XXXX asking them to VALIDATE not VEFIRY this dent that claim I owe them or XXXX. The attached letter is the only document they sent me. I sent a second letter on XX/XX/XXXX requesting that they please VALIDATE this debt they claim I owe them or remove it from my credit report immediately if they can not provide me with suffice documentation. They in turn sent me the same document again. The letter states this is VERIFICATION and I have asked them for VALIDATION that I owe them this debt in which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan 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 explanation
Consumer complaint received 2021-03-14
Company: Mountain Run Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt filed by XXXX a couple years ago. I disputed this debt, as XXXX was in violation of our contract. I won the dispute, and all collections were removed from my credit reports. 

Fast-forward to XX/XX/21, and I receive a notice from a third-party collection agency ( Mountain Run Solutions LLC ) alleging that they have purchased this debt from XXXX, despite it having already been disputed and settled years ago. The notice from Mountain Run Solutions was dated XX/XX/21, but I did not receive it in the mail until XX/XX/21, leaving me with only 4 days to file a formal dispute. So I disputed the debt with them on XXXX via the email address provided on the notice, and Mountain Run Solutions acknowledged receipt of my dispute on XX/XX/21. 

On XX/XX/21 I received a text message from Mountain Run Solutions stating that they were going to report the debt to the credit bureaus if I do not pay them by the next day ( XX/XX/21 ). I told them that they can not purchase and try to collect on a debt that has already been resolved. In response, they offered to send proof of the debt to my mailing address, to which I agreed and provided my mailing address. 

Today ( XX/XX/21 ), just 3 days after Mountain Run Solutions said they would be mailing me proof of the debt, I received notifications from XXXX and XXXX that new collections from Mountain Run Solutions have been reported on my credit reports. 

I believe Mountain Run Solutions has violated the Fair Debt Collection Practices Act, because ( a ) they purchased and tried to collect on a debt that has already been disputed and resolved in my favor, and ( b ) they acknowledged my dispute of the alleged debt held by Mountain Run Solutions and indicated they would be sending me proof of the debt, but instead of doing so they immediately reported the collections to the credit bureaus. I have all the transcripts of these conversations.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: WI
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:
Experian continues to report false information and to claim that verification was done on two accounts listed on my credit report as collections. XXXX XXXX XXXX is an unknown company on my credit report. It appears they are a bottom feeding debt buyer and has falsely claimed that I am in collections with them. I don't know who this company is I have never had dealings contracts or applications with this company. There is nothing tying me to this company with my signature, never an inquiry as to obtaining their services and I have no account dealings with them. I have asked experience to verify and validate this company. They claim they have completed and investigation and have verified this account. They have not done any of the sort. This is fraud and this is destroying my credit report. I have no collections on my credit. All of my accounts are in good standing and Experian continues to perpetuate false reporting. I believe this is because of my race and because I am a single XXXX mother. This needs to be deleted. Also regarding XXXX financial. They continue to report that I have late payments. I know this information is false because previously it was reported that XXXX and XXXX were the late payment dates, now it's reporting that XXXX and XXXX are the late payment dates. There are no late payments with this vendor. My credit history with them since 2018 has been on time every single 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 2021-04-27
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i did a refinance loan 15 years ago and had 9 loan servicers on this loan. i have reached out to them numerous times to straighten out my account. they just ignored me over the years. i had a baqnkruptcy in 2011 for XXXX in aarears and got kicked out the bankruptcy for missed payments. my lawyer didnt know i got paid twice a month as opposed to every two weeks. it took four plus years for it to show up. my lender tried to forclose. i had paid XXXX towards the arrears so i sent them a cashiers check for XXXX so they still said i owed the XXXX so i had to file a 2nd bankruptcy to wait for thier proof of claim. after 5 months they never sent in a proof of claim so i was stuck in another bankruptcy for three more years. when i completed the bankruptcy my wife inherited her mothers home and we tried to pay it off through my credit union and they still had the extra XXXX on the account. i provided them with all the proof and they ignored it. now last month they finally took the XXXX off. after 5 years 2 bankruptcies credit ruined wife had a XXXX and still giving me the run around. i have all the proof and a letter from shellpoint mortgage saying sorry for the incovience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: MA
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 trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: CA
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:
I already reached out to EXPERIAN and to XXXX XXXXXX/XX/XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist 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 2021-03-31
Company: Experian Information Solutions Inc.
State: CO
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:
My loan was first due for repayment XX/XX/XXXX. There has been no payments made by me or any representative of me through any fashion in well over the XXXX for this loan. This loan was removed from my credit report several years ago due to the XXXX and there are several inaccurate payments reported on my account that were never made in an effort to re-age this debt and begin collecting on it again. I have sent several requests to XXXX to provide proof of payments made including where there came from and they refuse to provide me with this vital information that would prove that this debt is well past the XXXX to collect and report on. They now have debt lawyers contacting me daily and harassing me for debt that is well past the XXXX and unable to do so on. they also are reporting on my credit a last payment of XX/XX/XXXX currently, which does not reflect the inaccurate information they have of XXXX in their own documents.

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 2021-04-27
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
A notice was taped on my door stating my 2nd mortgage was foreclosing on XX/XX/XXXX! I thought there was a moratorium on foreclosures? Plus it's my 2nd mortgage and is @ {$18000.00}! I still have a first mortgage and owe @ {$120000.00} on it! So how can the foreclose on me? I called and when asked about the moratorium, they stated the have the right too coldly. Offered to send papers to see if can work out plan which would take more than 30 days to decide and they would NOT stop the foreclosure procedure! I'm currently working on a forbearance with my first mortgage company. I'm XXXX, XXXX, n this house is where I have lived since I was XXXX years old. I have no where else to go and I'm baffled how it's legal for them to file during a pandemic! I NEED HELP IMMEDIATELY PLEASE AND THANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My loan was under bankruptcy until XX/XX/XXXX. Fay was paid at 100 % through the bankruptcy- those were the arrears. I never stopped making my own payments through my bank- automated. My bank sent a check to them every month. Fay sent me a payment ledger showing my payment dates and the payments received BUT their 24 month payment ledger does not match up and thus they reported me late from XX/XX/XXXX ( XXXX payment ) through XX/XX/XXXX. I have NEVER been late while in bankruptcy and the arrears of {$16000.00} was paid out at 100 % per the bankruptcy court. I have been contacting Fay for the last 3 weeks and have consistently been met with inconsistent reasons for the error and mismatch of information. I have also provided them with the documentation they provided me because they claim to no longer has access to the records since the account has been paid off. I am under contract on another property and their lack of attention to resolve this issue is costing me. They have violated FCRA laws and even federal laws if you dig deep enough. I have payment history and their documentation to show that the reporting is erroneous- but they are taking their time, if they are even doing that, to resolve the issue. The US Trustee has also confirmed the payment dates and amounts that Fay doesnt match up to either. If the past due amount was paid out at 100 % and we never stopped making payments once in the bankruptcy, how in the world do I come out of a bankruptcy past due??? They told me they applied one of my payments to escrow- once I told them they couldnt do that, they backtracked and said they didnt. They would research and get back to me XXXX XXXX has yet to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I get periodically unclaimed property award checks periodically from The Michigan Department of treasury unclaimed property division. XXXX XXXX XXXX XXXX Michigan XXXX : ( XXXX ) XXXX. ( XXXX ) XXXX ( XXXX ) XXXX. The successfully electronically deposits the checks periodically into my Chase Bank account successfully. But immediately as it's deposited it's stolen. After it's stolen it's replaced with a counterfeit check that looks exactly like it but it's a fake. I was spending the money from the fake for almost 3 years until I spotted the fake. I then completely complained. The unclaimed property award check is : State of Michigan PMT/Refund PPP ID : XXXX. XXXX. XXXX {$42.00}. This is how it's read on my bank statements. The original looks exactly the same. But the original deposited is stolen. Please investigate and help me get the original unclaimed property award back again. My bank 's name is Chase Bank. Complains number or customer service number is : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted a company XXXX XXXX XXXX in regards to business funding. I confirmed with this company weather it would be a soft or hard inquiry to check a pre-approval. The company responded its only a soft inquiry for a pre-approval and that there would not be a hard inquiry unless I signed and accepted an offer. 

Shortly after I moved forward with the pre-approval, I received an Experian Credit alert stating that a Hard inquiry was made on my credit report. 

I contacted the company ( XXXX XXXX XXXX ) immediately and the company states they were not aware that there was a hard inquiry.

I immediately forwarded the alert to the company ( XXXX XXXX XXXX ) showing them proof. 

XXXX XXXX XXXX rep just stated that there concerned that that happened. 

This is misleading business financing practices, and I did not agree to have my credit pulled with a hard inquiry. 


This is the information from Experian below : EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Business on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/2021.

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 2021-03-31
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for mortgage in XXXX, Loan Depot wholesale mortgage and received approval at the beginning of XXXX. It was commitment with conditions. All conditions were emailed few times to underwriter and were accepting. I extended closing 2 times and paid for extensions. All the time I received requests for same documents, and these documents were submitted a few times. Day before closing, the underwriter kicked back file asking same documents as a missing item. And the request was made at the same day with the closing. The missing items didnt even related to the mortgage conditions or approval, and by law they can not ask for it. Today is the closing day, and the underwriter did not answer phone calls or emails. Tomorrow, the buyers will walk away from contact, and will keep my deposit because the mortgage bank playing games with my file.

Company response to consumer: Closed with explanation