BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: OH
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 tried calling experian and disputed an incorrect amount owed on my credit report several times. I also called XXXX XXXX XXXX again with no results. XX/XX/XXXX and XX/XX/XXXX have the correct numbers from XX/XX/2016. 
The amount of XXXX is showing up on my credit report as delinquent from XX/XX/XXXX from experian. When I disputed this amount which should be XXXX, Experian kept the amount open and updated this amount. This resulted in my credit score reduced over 100 points. I have been careful with my credit and I dont know what else to do. I called a lawyer who told me to file a complaint with you since Experian does not have anyway of talking to a person. I am hoping that you can help me fix this horrible problem. My lawyer called XXXX XXXX XXXX and was told that the balance is XXXX so she told me that the problem lies with Experian only. I really need your help and have noone else to turn to. This closed account should be showing a XX/XX/XXXX balance on the experian credit report. Thank you

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 2022-03-13
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:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX VA XXXX has Been sending me collection notices in the amount XXXX .the collection has be reported as pasted due balance. I do not know this company .I have never done any business with this business with this company .this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, Transunion file case # XXXX, and XXXX confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The mortgage company ( Chase ) is going to force us to take their insurance in 21days from their notice dated XX/XX/17, though we have our insurance already. Chase Bank claim that the insurance we have does not satisfy them because the property address on our insurance is incorrect. However, the address we have is correct and what they have is incorrect. 
Our property address is : XXXX XXXX XXXX XXXX, XXXX CA XXXX, which is on our property tax bill and on escrow closing paperwork. 
Bank is claiming, our address should be : XXXX XXXX XXXX XXXX, XXXX CA XXXX There is no XXXX XXXX XXXX in XXXX. 
We have been telling them many times, but they keep telling us they will force us to take their insurance if we do not change to incorrect address. Documents we sent them few times are attached. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my Heloc was transferred to 21st Mortgage Corp . I started making my payments to 21st Mortgage Corp by autopay as i was with the previous financial institution. I have never ever been late on any of my debt this includes my mortgages, car loans, credit cards, my credit is outstanding and always has been. 

OnXX/XX/XXXX 21st Mortgage withdrew my payment but did not post it because i was in the middle of a loan modification. They told me that my payments would not report late as long as i keep making my payments, which i did, never went late. I have asked 21st Mortgage Corp to make the correction, they said they would look into it and get back to me, i have yet to receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is regarding cancellation of our Mortgage Insurance Policy. 
We purchased our home XX/XX/XXXX for {$210000.00} ; loan amount {$200000.00}. Because we did not have a 20 % downpayment, we were required to have Mortgage Insurance. All payments have been made on time. As we approached the two year mark on our mortgage, and after extensive renovations, we asked XXXX ( our servicer at the time ) how to have the mortgage insurance dropped. They asked us to provide a list of the renovations to see if we had enough improvements to get to a 20 % equity position, then they told us we would have to pay for an appraisal to determine the current value. 
XX/XX/XXXX we paid {$420.00} to XXXX for the appraisal. XXXX ordered an appraisal and XX/XX/XXXX the appraisal was performed by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, UT. The appraisal came in at {$280000.00} -  much higher than the required 20 % LTV required to cancel the XXXX. This should have been the point where the XXXX  was dropped, however XXXX was now in the process of transferring our loan to Freedom Mortgage. We asked if the appraisal & XXXX  cancellation process would be affected by the transfer ( spoke with XXXX XXXX XX/XX/XXXX ) and she said the XXXX would be dropped before the transfer took place - so we proceeded with the appraisal. The cancellation did not happen. 
Our loan is now with Freedom Mortgage, {$190000.00} balance. When the billing came for the XX/XX/XXXXpayment, XXXX was still included. We faxed a letter to Freedom Mortgage XX/XX/XXXX ( per XXXX ), along with a copy of the appraisal. The response from Freedom Mortgage was a form letter saying we needed to provide an appraisal from an appraiser of their choosing. When we called to speak to someone about this ( twice ), Customer Service would NOT provide anyone to speak with - they just shut us down and said our call could NOT be transferred to someone regarding PMI, that Customer Service is the only place we can have a conversation.

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 2022-03-13
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:
I am submitting this complaint without any influence from any third party or agency. I have been doing my research on the FCRA. The law 15 USC 1681c-2 ( a ) says in case of identity theft, a consumer must provide : appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 
On XX/XX/2021, I sent certified mail to Transunion containing a copy of my state I.D . and social security card for identification, FTC report, I identified the fraudulent inquiries of ; XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX ; my statement is on the FTC report that I did not consent or authorize the inquiries. 
From previous phone conversations with Transunion representatives regarding identity theft, I was told to provide a police report. The credit reporting agencies policy does not supersede federal law. The law never mentioned providing a police report when reporting identity theft. Nonetheless, I submitted a police report with the other documents. 
When completing the FTC report, it only allowed me to enter three inquiries. There is another fraudulent inquiry, XXXX XXXX. In addition, the law states that a consumer reporting agency shall block the information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. Transunion received my documents certified mail on XX/XX/2021. As of today, the fraudulent inquiries still appear on my consumer 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX  Open date : XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXX {$1700.00}

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 2017-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Was advised that on the tenth business day provisional credit would be issued in my checking account in reference to a claim, fraudulent and unauthorized activity with my lost and or stolen debit card on XXXX/XXXX/2017. Credit has still not been issued. Claim ID 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 2017-10-30
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I disputed a credit inquiry with the company known as XXXX XXXX. On XX/XX/XXXX, XXXX XXXX sent me correspondence in writing informing me that the credit inquiries will be deleted based upon their reinvestigation. XXXX XXXX authorized Experian to delete the credit inquiries from my credit report. Experian wrote me a correspondence by mail also informing me of the inquiry deletion. However, as of XX/XX/XXXX, I logged into my Experian.com account and noticed that the credit inquires were not deleted from my credit file. I also have attached a copy of the letter that Experian maied me verifying that the inquiry from XXXX XXXX was deleted.

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 2022-03-13
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: Information belongs to someone else

Complaint:
I have made several complaints about the same issues. I have yet to receive the proper verification for the furnishing of these accounts. Please provide to original contract of indebtedness or remove all items immediately. These accounts are being furnish without my consent nor proper verification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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: Information is missing that should be on the report

Complaint:
I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... XXXXThe credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....

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 2021-02-16
Company: Collection Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The data that you showed in my credit report I previously requested a proof of how you managed this. You can't demonstrate any of the data referenced in the past credit report information that I challenged with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT UNDER MY NAME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER TO CORRECT YOUR CREDIT REPORTING INACCURACIES.

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 2018-01-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Filed a dispute on a XXXX XXXX charge for {$24.00} that was unauthorized but havent received credit for it. Also a bill pay check for {$70.00} was disputed due to the check being returned to me and Amex Bluebird hasnt returned the money to my account after filing a dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
State: IL
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:
the unauthorized use to report unauthorized hard inquires use of showing my SSN they didn't removed all closed account and all account that have been paid in full and all address etc on my credit report with my consent this put them violation of 18 U.S. Code 1030 15 U.S. Code 1681 42 U.S. Code 408 15 U.S. Code 1681r 15 U.S. Code 1681g

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: BBVA FINANCIAL CORPORATION
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:
BBVA Compass Bank allowed someone to open a XXXX debit card in my name, via on-line. I received the card in the mail with only my e-mail incorrect as I would have received something of a thank you for doing business with them which would have alerted me to stop use of the card right away. 
When asking BBVA for verification of identity information provided to this bank, proving they were me, I was told they did not provide that information to anyone. Soooo, someone else can get a debit easily and fraudulently but the victim has no rights. Got it!!!! However on my SECOND call, ( in the US this  time ) I was sent a fraud packet to complete. Problem ... .the information they asked for was everything but blood type which, if not legit, would give these people access to EVERYTHING. I do n't think so!!! They did stop the use of my card right away by putting a hold on it ; not sure if that means the card goes away. I believe not so I am using this government agency to stop this completely and with the addition of security of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: MORTGAGE SOLUTIONS OF COLORADO
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Solutions financial has sent us a letter notice of Acceleration. we are behind three plus late charges on are mortgage. They have sent more then 12 letters stating we could refinance, modify or payment forbearance on are loan. we have asked for all of these and every time they say NO. Why even offer things if all you do is say NO. We have over $ 50,000.oo equity in the house but no one can loan us any money because of behind on mortgage. There us taking are house to get more money then is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: OH
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 previously complained about XXXX XXXX. They stated my issue would be resolved by XX/XX/XXXX. They called on XX/XX/XXXX to say it would not be resolved for 2 plus weeks. They have the information about their practices and their deceptive dealings with customers and they are stalling in a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
in XXXX I lost my Mother, I also contacted XXXX, I was verry sick and distraught for the next few months, this was a natural disaster, I could not even think straight or remember things because XXXX  effects your brain, community bank reported me late for a minimum of XXXX $ for XXXX XXXX XXXX as a result my credit was damaged, I did dispute with proof of XXXX and death of my mom, they rejected the dispute, can you please help me. The report # is XXXX XXXX the number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: OH
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:
My current address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX Please remove these addresses that I have never lived or belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX HWY XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA 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 2016-08-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing all the negative accounts and fraud inquiry, Experian is not removing the items in question. I have been complaining about the same items for months now and have sent in a police report, proof of address, and social security number. Every time I get a response back with a generated letter stating the same answer. I have paid off all of my debt back in 2013 with a home loan and all accounts were paid in full and a letter was written for them to be closed. My information was used fraudgently and nothing is being done about it. I should not have anything on my credit report that is negative because everything was paid off.

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