BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
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:
On XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .Experian and XXXX keep reporting my information as updated with the same errors.XXXX also updated my account saying I paid {$2.00} which was not true.

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 2021-01-05
Company: EQUIFAX, INC.
State: AZ
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX, XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted 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 non-monetary relief
Consumer complaint received 2017-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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/XXXX, I filled out a Smart Option Student Loan application with XXXX XXXX to see if I would be pre qualified for a loan to borrow up to 100 % of the school-certified cost of attendance. I did not complete the application seeing i decided not to apply for the loan. I have received countless automated emails from them since saying " my action was required to move forward. Log in to our Activity Center to review and accept the terms and conditions of the loan. Log in to our Activity Center to e-sign your application. '' ******onXX/XX/XXXX I got an email stating this : " Application ID : XXXX Dear XXXX XXXX  XXXX XXXX Thanks for choosing XXXX XXXX XXXX and for submitting your loan application. Please log into your account using the link below to view a letter from us. " I did not complete the application process therefore a soft inquiry should have been done rather than a hard one. I want this inquiry from XXXX XXXX removed from my credit report, please.

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 2017-12-02
Company: Eagle Home Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
EAGLE MORTGAGE IS VIOLATING THE LAY BY PAYING COUNTY LINE PROPERTYS FOR MORTGAGE BUSINESS IN XXXX. THEY HAVE BEEN VIOLATING CFRPB RULES XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Experian Information Solutions Inc.
State: NJ
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:
open date XXXX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date

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 2019-04-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NC
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXXXXXX XXXX XXXX  90 days in XX/XX/XXXX, XXXX XXXX, 120 days in XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: LendingPoint Holdings LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted Lending Point on XXXX XXXX, XXXX XXXX and XXXX XXXX requesting them to comply with Louisiana law that limits creditor interest rates for XXXX XXXX service members in Louisiana ( LA RS 29:312 ). I provided the portion of the law ( the piece of paper ) that shows the law and requested to have an interest rate reduction and Lending Point denied to comply with Louisiana law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Bridgecrest Acceptance Corporation
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:
I have filed a dispute in regards to the incorrect items on my credit report.It has been over 30 days and i have not received any investigation results.

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 2019-04-02
Company: Chaos Home Loans LLC
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
OnXX/XX/2019 I applied for a VA home loan through Chaos Home loans everything was going good and we where supposed to close XX/XX/2019 that didnt happen and got pushed to the XXXX that didnt happen either we finally signed papers on the XXXX of XX/XX/2019 since then they have not funded the loan they keep coming back and saying there is an issue and they need more documentation I send it to them they tell the title company the funds ha e been sent then say it is held up by the bank. To make a long story short we keep getting lied to here it is XX/XX/2019 and they still have not funded the loan. I have a numourouse amounts of text and emails showing everything I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: SLM CORPORATION
State: ME
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/XXXX, I filled out a Smart Option Student Loan application with Sallie Mae to see if I would be pre qualified for a loan to borrow up to 100 % of the school-certified cost of attendance. I did not complete the application seeing i decided not to apply for the loan. I have received countless automated emails from them since saying " my action was required to move forward. Log in to our Activity Center to review and accept the terms and conditions of the loan. Log in to our Activity Center to  e-sign your application. '' ******on XX/XX/XXXX I got an email stating this : " Application ID : XXXX Dear XXXXXXXX XXXX  XXXX XXXX Thanks for choosing Sallie Mae Bank and for submitting your loan application. Please log into your account using the link below to view a letter from us. " I did not complete the application process therefore a soft inquiry should have been done rather than a hard one. I want this inquiry from Sallie Mae removed from my credit report, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: ALLY FINANCIAL INC.
State: NC
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:
The loan was paid off in XX/XX/2021. I am in the process of approval for a mortgage and Ally submitted a " 30-day Late '' to the bureaus in XX/XX/2021 that the XX/XX/2021 payment was received late. As a result my scores decreased by more than 50 points and I am in danger of the loan not going through. 

I have contacted Ally MULTIPLE times and each agent has verified that my XX/XX/2021 payment was NOT more than 30 days late. It was verified today that my normal due date was the XXXX of each month and my XX/XX/2021 payment was received and processed on 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 explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: LA
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:
Equifax is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
An inquiry dated XXXX XXXX2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. Did not receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I mailed certified letters to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX disputing proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. I recieved a letter from XXXX on XX/XX/XXXX stating that this account was validate without any proof. I also noticed that XXXX updated payment history from XX/XX/XXXX to XX/XX/XXXX. It appears that XXXX did not conduct a proper investigation, they just changed things on my report and were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Please see the below information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Social Security : 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 2018-10-16
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Hi I'm XXXX XXXX .My direct deposit from XXXX XXXX  supposed to be on my card today XX/XX/2018 but it's not here it's the next day now an the 48hr advance direct deposit have my bills late. I called my job and they told me that NetSpend haven't released nobody funds. Please fix this problem or I'm taking legal action against NetSpend and XXXX. 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 2020-07-24
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I contacted Shellpoint Mortgage Servicing to request forbearance of my loan in light of the pandemic, unlivable condition of my home as a result of mold from Hurricane Harvey, a lack of running water and working sewage there, and other extenuating factors. Shellpoint refused to allow forbearance or negotiate with me in any way. As a result, the home remains unlivable and they have reported so adversely on my credit that it has suffered considerably. My ability to borrow or obtain new financing has been hurt considerably and I have decreased lending power on account that they will not make a payment arrangement with me and they will not allow forbearance but continue to report very adversely on my credit to the three bureaus. They bankrupted us and then sued to foreclose anyway in XXXX and refused to negotiate under any condition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: ZWICKER & ASSOCIATES
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023 at XXXX XXXX, I received notification from my bank that my account balances were {$0.00} for both my checking account and my savings account. I thought it was a fraudulent situation so I called my bank. I was told that it was a court order in the state of Florida to garnish my accounts. I have not received anything in writing nor any phone calls about this. I was given a phone number to call by my bank and it belongs to Zwicker and Associates, but because it's after hours, I was unable to speak with anyone. Over {$3000.00} was taken from me and I have a pending rent payment of {$1900.00} being processed as well as other bills on automatic draft payments. How is this possible with no notice to me?! No letters, calls, or any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: ASSOCIATED BANC-CORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I had an appraisal done on my home as I want to get out of paying my monthly PMI on my mortgage. I know recent comps in my neighborhood have sold well above $ 400K so I feel it was a good time to have this appraisal done because I feel I have the required 20 % equity to remove monthly PMI. I found out on XX/XX/XXXX that my home ( which has more sq. footage, just as many bedrooms & bathrooms, and sits on more land ) came back $ XXXX less than a house that just sold a couple months ago that is in the same Cul de Sac.

I feel the bank ( XXXX XXXX ), insurance company and appraisal company ( XXXX XXXX XXXX XXXX ) are working together to devalue my house to ensure that I have to continue to pay monthly PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to get some help and answers I was a previous client with ( XXXX XXXX ) they put me on a loan modification that was perfect and affordable for me at a payment of {$1500.00}. I was to sign my paperwork which I did after I made my final trial payment the paperwork I signed was incorrect, so my account manager had to resend the paperwork with correct wording which I signed had notarized and sent back. I was told to wait to start paying until my loan is permanently modified and I get my packet in the mail. So now this brings us to XX/XX/XXXX ' I received a letter advising that SPS is now my lender so I immediately called SPS as I was going through my modification waiting on the paperwork I was told by a representative at SPS that they are still waiting to receive my file to be patient well needless to say this went on for MONTHSSS. With this my mortgage is getting behind finally now we are in XXXX ' fed up with no answers and the run around I spoke to a supervisor on XX/XX/XXXX ' I explained my situation she advised me that SPS should have sent my paperwork out to me back in XX/XX/XXXX ' she stated she was going to have my matter escalated and resolved well again THE RUN AROUND AND NO RESOLUTION. I have tried to work numerous times and always different reps with SPS to get help and to date nothing and now I am being told that I am in foreclosure I had no notice mail notice or anything about this how appalled I am just to let SPS take my home right from me with no knowledge how unethical is that and all I got was the run around. I want to keep my home but I need some help as this was a big oversight and mess up with SPS and now im being punished SPS has failed me and failed to offer me any type of help or loan assistance. Can someone look into this matter and help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I reviewed my annual report and saw THREE ( 3 )  items sent to collections by XXXX XXXX. XX/XX/XXXX {$49.00} XX/XX/XXXX {$87.00} XX/XX/XXXX {$170.00} I am someone who checks my FICO every month and reviews my credit report EVERY year and this has never showed up on my reports. 

I NEVER RECEIVED NOTICE OF THIS though they claim to have sent me 5 invoices. NEVER DID I RECEIVE A PHONE CALL to try and collect this payment. I have visited their facilities many times and NEVER WAS I NOTIFIED about an outstanding balance. 

HAD I KNOWN about this, it could have been avoided. 

Aside from this, THE DEBT COLLECTOR HAS NEVER CONTACTED ME TO TRY AND COLLECT THE DEBT!. I had to call them XX/XX/XXXX at XXXX PT to find out I owed money, only because I happened to see it on my report that same day. 

I have filed a dispute through XXXX and am waiting to hear back.

Company response to consumer: Closed with explanation