BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage account XXXX XXXXXXXX was paid current and should have been reinstated as of XX/XX/XXXX. Due to a mistake in the payment process between the GA HAF program and Ameris DMI bank the payment was process by Ameris on XX/XX/XXXX. To date Ameris has not completely reinstated my account they still have me in loss mitigation even after they have been payed. Each month since XX/XX/XXXX while in forbearance they incorrectly reported my mortgage account to the 3 credit bureaus as 30 days late. They continued to report me late while in loss mitigation with agreements not to report me late. They have reported me 30 days late multiple time after the mortgage was reinstated and payed current with advanced payments. This negative reporting has damaged my credit and caused good credit account to be closed or reduced. This is a violation of my credit rights. Also they are not correctly applying the funds paid by the GA HAF program. As per the agreement I signed with the GA HAF program the funds pay date should be XX/XX/XXXX to XX/XX/XXXX. Ameris has given me a pay date of XX/XX/XXXX. My current due date for the next on time payment is XX/XX/XXXX. My account status should be current as of the payment being received by Ameris on XX/XX/XXXX. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally request to dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts and Bankruptcy. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. I assume for your immediate assistance to correct or remove the following accounts and Bankruptcy : XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

Chapter XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.

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 2023-08-08
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2022-12-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-07-24
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5200.00}, {$1600.00}, {$7700.00}, {$0.00}, {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house was stolen. 

1. XXXX XXXX XXXX Illinois XXXX XXXX ( XXXX XXXX ) commenced a foreclosure complaint with a summons. 
2. I filed an Answer to respond the complaint 's claims and formally raise my defenses and filed an Appearance. 
3. XXXX XXXX moved for a motion for a summary judgment. 
4. I replied to the motion of the summary judgment and requested to strike to dismiss the case. 
5. XXXX XXXX failed to provide its answer to my reply. 
6. XXXX XXXX requested the judge for an extension of time. The Judge allowed the extension. 
7. XXXX  XXXX failed again to provide my answer. 
8. As a result, I moved a motion to request the judge to strike and dismiss the case with prejudice. 
XXXX. The judge entered a judgment to STRIKE OR WITHDRAW MOTION OR PETITION ALLOWED on XX/XX/2011. 
10. The STRIKE OR WITHDRAW MOTION OR PETITION ALLOWED. In foreclosure its used to dismissing the case, remove the case from the court, and the case was allowed by the court to be withdrawn. 
11. When the case is dismissed with prejudice, the plaintiff is barred from filing a lawsuit on the same issue. 
12. When a summary judgement is granted and the case is dismissed with prejudice, it is a final order or judgment, and the plaintiff can be appealed. XXXX XXXX XXXX Illinois XXXX did not appeal. 
13. After several years, XXXX XXXX XXXX Illinois XXXX XXXX proceeded a legal action. Instead of filing a new case, they took the old, dismissed case number and forged, altered and redacted key information on the case. 
14. They redacted my Answer the complaint filed, Appearance, motion to dismiss, numerous motions, memorandum in support of motion file, and proof of services filed. 
15. They went to a judge and claimed I failed to file my Appearance and failed my Answer of the complaint and requested a default judgment. The judge allowed the judgment. With a default judgment, XXXX XXXX XXXX Illinois XXXX got everything it asked for in the complaint, including the right to sell your home at a foreclosure sale. 
16. I never knew I was foreclosed and that my house was sold. I had gotten a letter from XXXX XXXX XXXX Illinois XXXX sold my house by assignment to an investor. The investor told me that I was in foreclosure, and I needed to do a modification loan, or I would be evicted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
17. The foreclosure and the assignment were fraudulent, and they didnt have to right to sell my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: FIFTH THIRD FINANCIAL CORPORATION
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 information incorrect

Complaint:
Fifth Third is reporting a late payment on my credit report while actively in a bankruptcy XXXX XXXX  this is illegal and goes against the Bankruptcy code XXXX and I have never been late on any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
l have a new last name, new phone number and new address, credit reports are still showing old information

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 2021-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a billing statement from Bank of America on my XXXX Credit card with payment due on XX/XX/2021. It had a late fee of {$25.00} plus an interest charge of XXXX for a total of XXXX. 

On XX/XX/2021. I called up the company and asked them to remove the fee since I didn't get the prior bill in the mail. The USPS has been having problem delivering all of my mail. 

Bank of America said that it would not eliminate the fee ( even though I have ALWAYS paid my balance in full and on time while I have had this card ). They said that they didn't receive a notice from USPS that the mail was undeliverable. I told them I can not speak for the USPS but that I didn't get the bill, so I would I know to pay it or to advise them that I hadn't received it. 

The representative at Bank of America contacted her supervisor on my request to eliminate the fee. That supervisor declined. I told them this was unfair and unreasonable. I told them that I have always paid in full and on time, and they still did not eliminate it. 

I requested a closure of my account. I would like a refund of this fee. 

I found that Bank of America has been unfair and unreasonable during this period of Covid 19 when mail delivery has not always worked. I told Bank of America this and I told them that I would be reporting this your office and the consumer protection office or AG 's office ( whichever is relevant ) in the State of Florida. 

Please advise what other information you need from me, and how I can obtain this refund. 

I asked them three times to remove this fee and they went two additional supervisors to try and remove the fee. They all declined. 

Please advise.

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 2021-03-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In the beginning of XXXX I lost my job due to the COVID situation. I emailed XXXX  XXXX explaining my dilemma. Shenmae a representative from XXXX  XXXX informed me that if I was impacted by COVID-19, we can extend your payment dates up to 60 days from your originally scheduled payment date. These payments will be reported as on time to the credit bureaus and will not accrue any a late fees. 
Things to consider : If your payments are already past our standard 29-day grace period, we will give you an additional 60 days to avoid any further damage to your credit report. However, please be aware that your current past-due status will still apply. 

You can always reach back out to us after the 60-day window if you still find yourself impacted by COVID-19. 

I made my first payment on XX/XX/XXXX, then on XX/XX/XXXX I reached out to XXXX  XXXX regarding my first payment and why my payment wasn't being accepted. My checking account and debit account was entered correctly, so there shouldn't have been any reason why my payment wasn't processed. And I never received a follow up regarding this matter. 
Every weeks XXXX  XXXX would automatically draft out my payment but for some reason their system would always reject my payment. Then I got laid off from my job in XXXX. I asked them if there's any help that I can get, and thats when they told me since I was in a 29 day grace period they will give me an additional 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
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: Account status incorrect

Complaint:
On XX/XX/XXXX i mailed Experian a certified letter Informing them that a account i disputed and had recent resolved on XX/XX/XXXX still has incorrect information. That account is XXXX XXXX-account # XXXX. On XX/XX/XXXX XXXX XXXX informed Experian as well as the other credit bureaus that this account was paid as agreed/satisfactory. Once Experian updated my account i noticed that it still had incorrect information. I tried disputing the incorrect information but Experian did not fix it and also called them multiple times only to be lied to and passed around to many customer service reps without getting any corrections. 
I attched a copy my credit report that i pulled on XX/XX/XXXX from XXXX. 
you will notice the incorrect information as followed Experian has my XXXX XXXX account listed as paid/satisfactory but also has it listed as charged off/ derogatory .... this can not be possible as this account is paid. 
Experian also has four dates - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX..all listed as 90 days late, which is totally impossible for all the dates to be 90 days late. 
Experian also has the same dates XX/XX/XXXX and XX/XX/XXXX listed as not reported.. while have the dates XX/XX/XXXX and XX/XX/XXXX listed as charged off ... 
Experian needs to remove all the negative marks from my account and 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 2019-09-12
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I receved a letter on XX/XX/2019 that my mortgage was sold and not to send payment to old serviceing company.I had paid for XX/XX/XXXX due date on XX/XX/XXXX and my due dateis not till the XX/XX/XXXX son i oaid three weeks ahead then waiting for new Fay servicing i paid them on XX/XX/2019 for a due date of XX/XX/XXXX.Fay servicing says my mortgage is a DSI Mortgage that i never heard of and because there is 5 weeks between payment i must now pay an extra fee odd {$240.00} and i was never late but because there is mor than 31 days or somthing i must pay.In my 13 years i have been late and never had this charge this is all new to me.they say my interest rate is 10.61 somehow someone did not tell me truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Colony Brands, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While reviewing my credit report onXX/XX/XXXX, I noticed a closed account from XXXX XXXX XXXX with a balance of {$320.00} that did not belong to me. I disputed the account with all 3 credit bureaus and in addition, on XX/XX/XXXX I  sent in an affidavit along with the claim to the creditor itself. On XX/XX/XXXX, I called the creditor to inquire about my claim and was told I would be contacted within 15 days regarding the claim. I have yet to hear from the creditor in regards to my claim, but I have contacted all 3 credit bureaus and have been told that the creditor has reported the accounts to be verified. The creditor has not provided proof of ownership the account, and I have learned the creditor has recently reported bogus addresses to XXXX that do not belong to me which is illegal and improper practices.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third-party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation