BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: AL
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:
Due to my personal information was reported incorrectly in the data systems an was reported deceased illegally Equifax had my date of birth as XXXX sents XXXX that kept denied credit I was forced to send my identification card an other stuff proving my identity due to false information being reported untrustworthy requested everything should be removed off my credit report an should be reimbursement for the cause I been trough an trouble that cause me my identity was stolen do the Equifax settlement check I never received because my identity was incorrect never was false even the debt collector report I was reported deceased on all credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 {$3300.00} XXXX XXXX XXXX XXXX, 2019 ( 2 yrs, 1 mos ) I did not do this 2 years ago

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 2020-09-16
Company: Harris & Harris, Ltd.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A debt collection from Harris and Harris ( XXXX XXXX ) appears on my credit report in the amount of {$180.00} but I have never received a notice in my mail box. My postal address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I will appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to do a deed in lieu with my main mortgage holder and the secondary mortgage holder for approximately one year. Main mortgage holder, XXXX, has been fine to work with. Secondary mortgage holder, SLS, has been a disaster. They have missed responding to 5 short payoff contingent approval letters sent to them by XXXX. 

Each time SLS misses responding to XXXX 's short payoff contingency letter, my case closes out at XXXX and then I have to submit paperwork and start the whole process over again. 

I am an elderly woman and have been trying to turn over my house to XXXX since shortly after my son 's untimely death, because he helped me pay my bills and after he died, I was no longer able to afford the house. I was advised the deed in lieu would be a good process to use. It has turned into a nightmare because of the incompetence of the SLS company as the junior lien holder. 

Dealing with them is causing me so much stress in my life, at a time when I'm still grieving over my son 's death, and I need DESPERATELY for someone to help me. 

My daughter had been helping me deal with them from last XXXX through this past XXXX, when they yet again failed to respond timely to the short payoff contingency letter. When they failed to do it that time, that was the THIRD time they didn't respond and she no longer wishes to deal with them over the phone because of their incompetence. They've now failed a couple of more times since then. PLEASE HELP ME.

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 2017-12-22
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a medical bill that i am paying payments on, i have notified both collectors they are not only reporting on a bill i have a set payment plan on with the original collector ( the hospital ), but im not behind on any payments. I was neither notified or anything of items going to collections. I work for the government so they provide Insurance that was supposed to handle all of these. Now i have multiple collections agencies adding collections for the same debt with multiple bureaus and these were applied to my credit only ONCE I GOT APPROVED FOR A MORTGAGE. These are from several years ago, some from XX/XX/XXXX and XX/XX/XXXX. Not only are the bills paid but they are inaccurate and both adding the same collection. Its not fair to the consumer. XXXX and XXXX XXXX XXXX are both adding collections for the same debt that is being paid to the original collector. XXXX tactics and the credit bureau or the collections service i have no contract or obligation to pay will fix.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The response I just read from your site states they are the wrong company. My mortgage was with XXXX and I need to be provided the correct website, then, to pay principal payments. 

I received a notice in the mail with no way to pay by check through the mail and they have deleted my online account with XXXX without legally informing me of a change of ownership in my mortgage loan. 

My actions are legal and are not going to change, period. This game of hiding the ball for who owns the loan is not mine to play and I will not. Stop defrauding my and wanting my home. You're not going to get it, period. It's mine and is going to stay mine.

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 2018-07-27
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection account appeared on my credit reports in XX/XX/2018. I sent Security Credit Services a letter on XX/XX/XXXX ( which they signed for on XX/XX/XXXX ), asking them who they were collecting for and that I would like to see validation of the debt they are reporting. They contacted credit bureaus of my dispute ( as I watched the dispute comments hit my reports ). But they FAILED to send me ANYTHING in reply to my request. They have seriously violated federal and state laws with their lack of response within the 30 days allowable by FDCPA, FCRA and Metro 2 compliance laws. ****ADDITIONALLY, THIS COMPANY IS REPORTING THAT I MADE PAYMENTS TO THEM IN XXXX AND XX/XX/2018. I MOST CERTAINLY DID NOT MAKE ANY PAYMENTS TO THEM. THEY ARE IN GRAVE VIOLATION OF MANY LAWS WITH THEIR INACCURATE, UNVERIFIABLE REPORTING. I am requesting that they immediately REMOVE this reporting from my credit reports and not sell to another collection company as they have not validated this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it Credit Bureau is refused to respond on my letters, they do not investigate and just sent once to me letter saying that account was verified and updated, even thou nothing was verified.

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 2018-07-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XX/XX/2013 my car was rear ended and totaled in an accident at the other drivers fault. My insurance company ( XXXX XXXX XXXX XXXX. located in XXXX XXXX. ) paid the vehicle off as the other parties insurance was giving me a hard time about the fault which was later determined their fault. I sent over the documents from XXXX  XXXX that showed the loan/account ( Nissan motor acceptance ) was paid off & closed at {$0.00} being owed & still a different company reports a balance being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A XXXX  company named XXXX XXXX XXXX took funds out of my account without my knowledge saying I authorized them to do so which I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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 ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-09-11
Company: I.C. System, Inc.
State: CT
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:
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a I.C system account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.

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 2021-02-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Four times XXXX XXXX XXXX has given me 30 days delinquencies when I was NEVER late once. Each time I had to go through a two month process until they corrected each one. 
Latest was I spoke to them was XX/XX/XXXX about a payment due of XX/XX/XXXX. They said I did not owe anything for the XX/XX/XXXX bill. They said going forward to the XX/XX/XXXX bill, all I needed to do was final payment on loan. I asked to pay it off anyway XX/XX/XXXX to keep it in the XX/XX/XXXX invoice 30 day cycle. My payment was taken over the phone and I saw it was taken out of my account following day as normal. 
A couple days later I received alerts that I had been reported as late! Not only had I made the payment timely, but I had been told by TWO different people that I did not even have one due!! 
When I called to inquire about this twice, I was just told that no one could figure it out and it would have to go to a dispute again, which takes two months and I am not even allowed to talk to anyone in the credit department. 
If this happened once, maybe it is an accident, but four separate times?? They do not care that this lowers my score about 50 points each time it 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 2017-12-22
Company: EQUIFAX, 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:
i have two items showing collection on my equifax report was due to identity theft they will not remove it after i show them my police report one was with XXXX XXXX for {$11000.00} and the other was with XXXX XXXX / XXXX for {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX.  I live at XXXX XXXX XXXX XXXX Ga. XXXXBoth my name and my wife's is on the deed.   However, only my wife's name is on the mortgage.  I want to stop them from refinancing and taking out all the equity in the home so that I lose my life's savings.  The mortgage company is named Freedom Mortgage CorporationThe account number is XXXXThe Phone Number is XXXX XXXX XXXX XXXXNMLS number is XXXXFreedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXNMLS ID: XXXXXXXX

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 2022-04-05
Company: Maximus Education, LLC dba Aidvantage
State: WI
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Affirm 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 I was released from a XXXX XXXX  due to complications from XXXX XXXX that had me XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I have XXXX XXXX XXXX XXXX XXXX XXXX from having a mild XXXX while in my XXXX. I wasn't able to make payments on the {$2600.00} XXXX loan was I approved for on XX/XX/2021. Monday, I was alerted by XXXX  that Affirm is reporting a 60 day late on my credit file. I have been able to reach all my creditors who have agreed to reverse the 60 day lates due to my illness due to XXXX XXXX I emailed Affirm stating my circumstances for missing my loan payments and haven't received a reply. I have called Affirm and was told a supervisor would call me within 24 hours. A call has never come and an Affirm rep called me today to collect a payment. I informed him that I was awaiting for a call from a supervisor and once again stated my circumstances. The Affirm rep said he saw the notes and expect a call from a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
On XXXX, XXXX, 2022, a total of {$94.00} was taken from my account by a service I wasnt provided from XXXX. I contacted the bank in regards to this action and they asked for proof which was provided. I didnt file anything through XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I was looking over my credit report and i seen that there were 4 hard inquiries that are unauthorized account that i am unaware about. 

XXXX XXXX XXXX XXXX XXXX Capital One Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1 Capital One Bank USA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Sun Trust Bank denied our home purchase loan and the reason is due to " previous relationship ''. Since we never had any dispute with Sun Trust, our credit score is high and debt to income ratio is low, we contacted Sun Trust Bank asking for an explanation. However, Sun Trust Bank loan officer never explain to us and just ask us not to contact her. We suspect that our identity were stolen or other misunderstanding that caused the denial, so we really want Sun Trust to provide more information to prevent further damage. However the only thing they do is to act rude and treat us unfairly.

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 2023-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting 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:
In XXXX this year my home mortgage with Wells Fargo was deleted from my XXXX credit report and my XXXX score went down from XXXX to XXXX I call both Wells Fargo and XXXX and both are blaming each other and neither Wells Fargo or XXXX are fixing the problem. I try numerous times with both company 's to get an explanation and we went nowhere. Your help in this matter will be greatly appreciated. 

Thank you 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