BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: NV
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/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had two XXXX XXXX  checking accounts. I owed XXXX XXXX a certain amount. Because my name was on the high school account they took money from their accounts to cover my debt. I have to be a signer on their account. So they should not be help responsible for my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed, I'm the son and I'm living in the home. I have submitted financials and request for modification with Select port Folio. The mortgage company is unwilling to work with me. I don't want to loose my home to foreclosure. Please help me to modify the mortgage. Please postpone pending property foreclosure sale pending the modification request being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report.To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was workers comp case that should of been taken care of and paid off a year or longer ago.. this case was handle by workers comp insurance, the second time Capio partners damaged my credit. I contacted my lawyer, all debt has been paid. Fast forward 10 months later and I have a derogatory mark dropping my credit by 20 points. Saying I owe funds for the third time. Horrible company, please someone investigate them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account for a promotional bonus of {$400.00} if I deposited {$15000.00}. I applied for the account XX/XX/XXXX, sent additional paperwork on XX/XX/XXXX and received an email on XX/XX/XXXX that my account had been activated and on XX/XX/XXXX I received my debit card and opened the account. Now that the account was finally opened, I deposited the required funds on XX/XX/XXXX. This should fall within the 30 day period as my account was not active until XX/XX/XXXX. I have emails to verify this information and had inquired prior to that whether I could deposit funds because I di n't want to miss the promotion, the entire reason I chose Citibank, and was not able to. I called in late XXXX XXXX to ensure that I was all set for the promotion and was told that I was good to go and would receive the money before the end of XXXX. Last month I contacted Citibank again to inquire about the funds and was told that they count the first day I applied as the start of 30 days despite the fact that I was not able to deposit funds then. I just talked to them again and they said the same thing. This is baffling and feels a whole lot like fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
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: Investigation took more than 30 days

Complaint:
showing ftc vioalations proven 
filed ftc also 
XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXXDisputeXXXX XXXXDispute

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 2018-06-15
Company: Collection Service Center, Inc.
State: PA
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:
A medical bill was incorrectly submitted by a medical provider. In return, the medical insurance company twice processed the medical bill incorrectly. This resulted in the medical bill not being paid. I contacted the medical provider and the insurance company from XX/XX/XXXX to XX/XX/XXXX regarding this medical bill. On XX/XX/XXXX I was told by the Medical company that they notified the credit bureau to have the account removed. I talked with the insurance company who agreed to process the claim, however, indicated that it would take another 3 weeks before being resolved. On XX/XX/XXXX, the debt still had not been removed from my credit report. I contacted XXXX numerous times. On XX/XX/XXXX I disputed the debt verbally. Because the representative could not understand or refused to understand English, I attempted to dispute the debt online. The website was not functioning properly and I could not dispute the debt. I tried to fax proof that the insurance paid the debt and to send a letter from the creditor showing that the debt was to be removed. I found out later that XXXX fax machines had issues. I contacted the credit agency and later found out that they did not notify XXXX until XX/XX/XXXX as opposed to XX/XX/XXXX. Finally, I was able to fax successfully to XXXX. As of XX/XX/XXXX, the debt remains on my credit report. My credit line from XXXX was reduced as a result of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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:
My father purchased a car for me in XX/XX/XXXX. I did not cosign for the car. The car never once was reported on my credit report until XX/XX/XXXX when my parents filed for Bankruptcy. The car was repossessed and I am assuming that since my parents did not include the car in their BK filing, that XXXX XXXX had to hold someone liable for the car, which was me. Why did they take 10 years to report this car on my credit report AND they report it as a delinquent account. What happened to ALL of the on time payments made for years? Why was that ever reported on my credit report, since they deemed me liable? But NOW, I am liable, so they decide to place it on my report as a delinquent collection account. Not right. Not fair. I was JUST in the process of buying a home and then this account came up and put a long pause on me buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For years I have tried to dispute an item with Transunion listed as XXXX XXXX XXXX. This account is not mine and the information they have is not accurate. They refuse to remove the item despite this inaccuracies. I have sent to them proof of this and it still returns as verified by their e-Oscar system and stays! I have attached my full complaint as well as supporting documentation.

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 2019-09-08
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX opened a balance in the amount of {$2900.00}. This is an apartment community in XXXX, Ohio. I called the apartment community and their corporate office and they said they had no record of me living there. I told them this charge was appearing on my credit, I asked them for proof of residency. They do not have it. I also asked for proof of my identification and signature on the lease agreement, they didn't have that either. 

The charge is for a month of rent for the fall of XX/XX/XXXX per the collection agency, but the apartment complex knows nothing about it. In the fall of XX/XX/XXXX I lived at another apartment community that I worked for. I have witnesses with my previous supervisor and records showing my dates of residency. I never occupied an apartment at XXXX at XXXX XXXX. When I spoke to someone at their corporate office they said maybe it was identity theft, but again they have no lease or documents proving that I owe or stayed there. 

For the past five years I have completed paperwork to remove this debt, I have struggled to try to purchase a home or even lease an apartment. Everything has had to be under my husbands name. I need this debt removed, I never lived or even applied to live at this community and they have been affecting my credit score for 5 years for collecting a debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: TN
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:
THEY ARE REPORTING INACCURATE INFORMATION AND REFUSED TO SEND PROOF SHOWING THIS ACCT IS VERIFIED AND VALIDATED. ALL INFO ON ACCT IS INCORRECT. SENT THE COMPANY VERIFICATION AND VALIDATION REQUEST OVER 60 DAYS AGO AND THE COMPANY HASNT SENT INFO INFORMATION BACK TO ME AT ALL. BUT THEY ARE STILL REPORTING ON MY CREDIT AND REFUSED TO REMOVE AND SEND ME THE VERIFICATION AND VALIDATION ON THIS ACCT

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 2018-11-29
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: Old information reappears or never goes away

Complaint:
Equifax refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX XXXX stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX my father passed away. The home that I have resided in since XXXX had a mortgage on it in my fathers name. In his trust the home was left to me and has been deeded to me. I have been in contact with Freedom Mortgage since XXXX trying to pay off this loan. On multiple occasions I have been told the pay off has been requested only for me to call a week later after not receiving it and being told they need additional information. To date I have sent them a copy of the trust, my driver 's license, the death certificate, the certification, a copy of the deed, deeding the property from my father to the trust and then a copy showing that the property was deeded to me from the trust. on XX/XX/XXXX I spoke with a supervisor named XXXX ( identification number XXXX ) who assured me that they had all of the documents after a month and a half long battle and that the payoff would be requested with haste. On XX/XX/XXXX I received a letter mailed on XX/XX/XXXX stating that they needed a copy of my birth certificate to prove that I am related to my father. This is an excessive breach of my personal information at this point. They have every legal document showing that not only was the home an inheritance gift to me - but that it has been legally deeded to me. I called and spoke to a representative named XXXX ( identification number XXXX ) on XX/XX/XXXX who told me they should not be asking for my birth certificate, then asked who my step mother was ( she had faxed in documents to them as well ), and then told me they did need by birth certificate. It is my personal belief that since I am paying off the loan they are attempting to run up the interest on the home. Currently since this process started they have earned an additional two months of interest and since I have had to send away to vital statistics in order to obtain my birth certificate it looks as though they will be obtaining an additional two months. Every time I speak with a representative I am told whatever document they are requesting is the last one and then I will be able to obtain the payoff. This never happens.

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 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
A medical bill was incorrectly submitted by a medical provider. In return, the medical insurance company twice processed the medical bill incorrectly. This resulted in the medical bill not being paid. I contacted the medical provider and the insurance company from XX/XX/XXXX to XX/XX/XXXX regarding this medical bill. On XX/XX/XXXX I was told by the Medical company that they notified the credit bureau to have the account removed. I talked with the insurance company who agreed to process the claim, however, indicated that it would take another 3 weeks before being resolved. On XX/XX/XXXX, the debt still had not been removed from my credit report. I contacted Transunion numerous times. On XX/XX/XXXX I disputed the debt verbally. Because the representative could not understand or refused to understand English, I attempted to dispute the debt online. The website was not functioning properly and I could not dispute the debt. I tried to fax proof that the insurance paid the debt and to send a letter from the creditor showing that the debt was to be removed. I found out later that Transunion fax machines had issues. I contacted the credit agency and later found out that they did not notify Transunion until XX/XX/XXXX as opposed to XX/XX/XXXX. Finally, I was able to fax successfully to TransUnion. As of XX/XX/XXXX,  the debt remains on my credit report. My credit line from XXXX was reduced as a result of this debt.

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 2018-05-14
Company: CNG HOLDINGS INC
State: TX
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:
Collection companies trying to collect a debt that was fraudulently opened in my name. I am a victim of identity theft that started in XX/XX/XXXX.

The common thread through all these collection companies is the original creditor : XXXX XXXX. It began with XXXX XXXX XXXX XXXX saying they want to resolve an account with ( Why Not Lease It ) XXXX in XX/XX/XXXX, then XXXX XXXX XXXX XXXX  in XX/XX/XXXX/XX/XX/XXXX, then via text XXXX XXXX XXXX XX/XX/XXXX & currently XXXX XXXX XXXX ( XXXX XXXX ). In all cases I have provided them with the police report numbers & informed them that I was a victim of identity theft & to quit contacting me. Today I find out from " XXXX  '' that the collections pertains to a company called " XXXX XXXX '' whom I have never done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2018-11-29
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
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:
I am fully ready to submit any documentations requested in order to fully support my claims and my case. 

My home and everything in it was completely flooded and destroyed on XX/XX/XXXX. Since that date, I have been diligently and carefully piecing my life back together, including rebuilding my house, replacing everything in it, and most of all, ensuring all of my bills are paid on time and all of my finances are in order. 

I first contacted XXXX XXXX about my situation in XX/XX/XXXX, where they then referred me to submit paperwork through their website to apply for emergency forbearance. Once I submitted this, I was approved due to the circumstances for deferment from XX/XX/XXXX - XX/XX/XXXX. 

What I was not initially made aware of was that XXXX XXXX was already reporting my accounts as delinquent to XXXX, who was updating this information to my credit report, and as a result, dropping my score dramatically. 

When I noticed that the accounts were being reported as late/delinquent, I attempted to dispute with XXXX, who quickly closed my cases and directed me to talk to XXXX XXXX directly. XXXX XXXX stated that their hands were tied since the delinquency was already reported during XX/XX/XXXX. 

I have always been an immaculate borrower and have never ever, NOT EVEN ONCE, been late on any payments on any accounts, EVER. I would have never even requested deferment if it weren't for the extreme circumstances as a result of the natural disaster. 

Please consider my statement and the facts I am presenting you to find an appropriate solution. My credit shouldn't be permanently tarnished due to this small hiccup as a result of a GIGANTIC natural disaster. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the middle of qualifying for a mortgage and XXXX & XXXX has me as deceased. I am being told that it is due to XXXX XXXX XXXX ( Zales & XXXX ) accounts has reported me as deceased. I call XXXX XXXX XXXX, spoke to a XXXX XXXX ( nasty attitude )  explain my issue and she showed no remorse and told me the fix will take 30 days. I explained that I was trying to secure a mortgage and lock in a rate and she seemed to just not care. She eventually told me they have made a mistake and she is fixing it. I tried to explain that I needed the correct info sent to both credit bureaus and she said she was sending " the forms '' .. Well that did not happen. In following up with the credit bureaus ( XXXX & XXXX the are still saying that the dispute has not been responded too. I am going to loose my home and my credit history is being destroyed by XXXX XXXX XXXX for I have no clue how they can report me as DEAD!! 

I am requesting your help into this matter. I need them to expedite fixing this problem before I loose out on securing a mortgage and locking in a low interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: WELLS FARGO & COMPANY
State: NJ
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:
Dear CFPB : Submitted Taxes Return for 2016 IRS sent letter stating we owed + {$4000.00} more dollars. 
IRS stated in default if not fixed immediately. 
Trying to set up payment plan with IRS, will not until 2016 is resolved Called Wells Fargo, working on it. 
Wells Fargo applied Lates Fee 's to a Mortgage Credit Refund, which DI NOT result in a check refund, but did alter out tax return. 
Required to fix IMMEDIATELY or IRS will put LEAN on house.

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