BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: NY
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 am writing because I do not recognize the account on my credit report.I believe that I may be a victim of identity theft. I do not recognize theis account and have never incurred debt with these creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not 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 2018-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My first mortgage payment with Bank of America was due XX/XX/XXXX. I scheduled a payment transfer for that date from my BOA saving account to my mortgage account. On the date the payment was due I noticed the money was not withdrawn for my account nor did I see any pending payments on the mobile app. Therefore, I made a transfer from my savings account to the mortgage account. Since then I have received numerous letters stating I missed my payment and can be taken to court. When I called customer service I was told I had insufficient funds in my account when the payment was processed and will incur fees. Again, I transferred {$1100.00} from my BOA savings to my mortgage account on XX/XX/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 2019-03-05
Company: Continental Finance Company, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
keeps calling every day says there going garnish my checking account for a credit card I never had talked to XXXX at least 3 time told her to stop calling

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 2018-09-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stating that the address and phone number listed on the application verified to me, and the card was activated from a phone number that verifies to me DOESN'T SOUND SERIOUS!!!!!!!! In addition, identity verification was completed from the verified phone number during the application stage. 
Please I need the Proof that the person you tried to contact is ME!!!!!!!!!

First the account was opened without signature, second it was somehow verified without even understanding who is this person I need real proof otherwise you can sue me, it's even better for me as I can proof that I NEVER opened any accounts!!!!!!!!!!

I gave the proof ( I-94 form ) that I wasn't in a country at the time the account was opened.

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 2020-07-23
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 continues to allow XXXX XXXX XXXX to report inaccurateinformation to my credit file. 

XXXX is reporting a late payment for XXXX & XX/XX/XXXX. Payments were made on the XXXX of the month both of those months. The payment due date on this account was the XXXXof each month. There are previous payments made on the XXXX of the month during the year of XXXX that were not reported as derogatory. 
When I log intomy XXXX  account right now it shows a huge inaccurate amountis currently owed on the account. When I log into the account XXXX shows that I owe a balance of {$1300.00}. This just goes to show how glitched and inaccurate the system holding my information is. 
This account was closed and paid in full on XXXX by my insurancecompany after being deemed a total loss. This account should be reporting closed and paid as of XX/XX/XXXX. 

To be clear there were no late payments in XX/XX/XXXX XX/XX/XXXX or anything reported after XX/XX/XXXX Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
I have attached documents to prove that XXXX has inconsistent information on my account and IT IS inaccurate. This is not in accordance with the FCRA. It is your obligation as a credit bureau to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received an email from XXXX through XXXX XXXX that there had been a change on credit report. I noticed that a company, Sunrise Credit Service, had reported late payments and was listed as a derogatory account on XX/XX/XXXX, and XXXX. I had never entered into a contract with Sunrise Credit Service nor had I ever received any mail, email, or phone calls from the company. 

On XXXX XXXX I answered a call from a representative from Sunrise Credit Services. The representative wanted to confirm my mailing address and I inquired about their business. They informed me that they were attempting to collect a debt from XXXX XXXX XXXX. This was surprising considering I had a current account in good standing with XXXX XXXX XXXX. They also informed me that they had emailed me on XX/XX/XXXX. Checking my email I did not see any email from Sunrise Credit Service and informed the representative of this fact. I objected to the debt and told the representative to have the company send me any information about this " debt '' by mail. They informed me that i could log into an account on their website, which I told them I refused because I had no verification that I owed this debt to Sunrise Credit Service and repeated that I want them to send me their contract and additional information about the debt by mail. They informed me that they would do so. 

As of XX/XX/XXXX I have not received any mail communications, or through other means, from Sunrise Credit Service. I sent a letter on XX/XX/XXXX requesting verification of the debt, proof of licensing in State of MI, and any contract they hold with XXXX XXXX XXXX to collect the debt. I have attached my letter to this complaint. 

As of now, I don't how Sunrise Credit Service was able to report late payments and a derogatory account on credit report without ever informing me nor verifying the 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2017-08-09
Company: CCS Financial Services, Inc.
State: NY
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:
I am currently in the process of attempting to get a mortgage. My mortgage was originally derailed in XX/XX/XXXX when an account for a collection from XXXX iXXXX XXXX showed up on my credit report, which tanked my score. This account was reported to my credit without the collections agency ever contacting me via phone or at my current address. I called the collections agency to clear this up, the agency admitted that they were in the wrong, and they agreed to delete the account from my credit report. This was on XX/XX/XXXX. I have made multiple follow-up calls to the credit reporting agency to inform them that the account is still on my credit report. They assured me they sent the deletion notice ... once on XX/XX/XXXX and again in XX/XX/XXXX. Still, the account remains on my credit. I contacted XXXX to resolve this over the phone after the collections agency sent me a letter confirming the deletion. XXXX said that in order to even look into the issue, I would have to file a formal " dispute. '' I explained that I could not do that as it would further delay my getting a mortgage because the dispute process can take up to 30 days and that the bank will NOT issue a mortgage with an open dispute on my credit report. XXXX 's representatives and supervisor subsequently refused to do anything about the issue, saying I would have to file a dispute. This is despite my offering to furnish the letter from the credit reporting agency, or to join in a conference call with the agency to confirm deletion of the item. XXXX wants me to engage in a dispute process that could take 30 days and will further delay the mortgage, after their error, and the error of the credit reporting agency. I want this account OFF my credit report NOW or I want damages for the full value of the mortgage, rental incomes into perpetuity, and damages for intentional infliction of XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2019 I have been mailing letters to the credit reporting agencies to dispute several errors on my credit report. A total of 4 dispute letters have been sent out to XXXX, TransUnion and XXXX  and I never received a response from them.

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 2019-03-05
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent a certified letter to a collection agency by the name of pro collect. I have a Chapter XXXX bankruptcy that I filed back in XX/XX/XXXX and it was discharged on XX/XX/XXXX. That debt was included in that bankruptcy, so I sent Pro Collect a certified letter with a copy of the discharge order from the bankruptcy court. They received the letter on XX/XX/XXXX, but I never got a response. On XX/XX/XXXX at approximately XXXX hours, I called ProCollect and spoke with a Ms. XXXX ( she would not give her first name ). She informed me that the account in question was restricted and I would have to contact a Mr. XXXX ( would not give his first name ) by email only. She gave me his email address. I contacted Mr. XXXX on XX/XX/XXXX at approximately XXXX hours and informed him who I was and of my issue. His only response was, Account number? I sent him the account number at XXXX hours and have yet to receive a response.

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 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2019 I began disputing an inaccurate bankruptcy on my credit file with Transunion. Transunion claimed to have investigated the item and stated the information was verified and is reporting as accurate. Then in subsequent letters, Transunion stated that XXXX XXXX was their source. I then disputed with XXXX XXXX who eventually and rightfully so, deleted the unverified information from my credit file. They sent me an updated letter and credit report to reflect the changes. I sent the result proof of the removal to Transunion to show the changes from XXXX XXXX, Transunion refuses to remove the unverified item, even after the company that sold them this information has removed the information themselves. They are still claiming that their investigation shows that the information is accurate.

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 2017-08-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was refinancing my mortgage through Wells Fargo. After providing them multiple document proving income and several other documents ; I was decline due to a clause in the VA agreement on the closing of the mortgage. The reason I was given is that they consider my owned property as a condo when in fact it is a privately owned residence. The reasoning behind it was n't very well explained and now for me to lock in a rate I must provide a lock-in fee to the bank until they figure it out. I am a XXXX Vet and I feel I have been mistreated in this whole process. I would like a written, clear explanation as to why the VA and Wells Fargo refuse to assist a XXXX Vet.

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 2020-07-23
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited funds totaling {$15000.00} XX/XX/20 to qualify for Citibank Bank 's {$500.00} bonus. I met all of the qualifications and the bonus was not paid. I called Citibank numerous times and they had an excuse each time. and they were not able to pay the required bonus by XX/XX/20, nor were they able to tell me why. XXXX XXXX Phone number XXXX The accounts involved Account # XXXX. 

Here are the terms of the offer Earn {$400.00} when you open a new checking account and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking account for 60 days You can also get an extra {$100.00} on the {$400.00} bonus when you complete one qualifying direct deposit each month for two consecutive months within 60 days of account  opening, for a total of {$500.00}. 

Please help me. 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 monetary relief
Consumer complaint received 2020-05-20
Company: Social Finance, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1 - On XX/XX/2020, my wife and I applied for a cash-out refinance with SoFi. The same day, an initial loan disclosure was provided. 

2- On or about XX/XX/XXXX, my wife and I elected to change from a cash-out refinance to a regular refinance. An updated loan disclosure was provided on this date. Closing was scheduled for XX/XX/2020. 

3- SoFi was unable to meet the XX/XX/XXXX closing as the loan was still in underwriting, and on XX/XX/XXXX, the final closing disclosure was sent to us for review. On this disclosure only 5 items were listed in section B of closing costs. The closing date was scheduled for XX/XX/XXXX. 

4- On XX/XX/2020 ( one day prior to scheduled closing ), SoFi sent a new final closing disclosure, but added 2 additional fees ( now added as fee line item 6 and 7 ) that were not on the last loan disclosure from XX/XX/XXXX. Upon review, these closing fees were not as a result due to a change in circumstance, and the company representative responded that the fees were added into the closing disclosure because they inadvertently omitted them from the last disclosure document. As a result, closing costs increased overall by approximately 15 %, and was provided only the day prior to closing, shortly before close of business. I have requested the SoFi rectify this prior to closing, but as of this writing, no action has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Enquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attended a meeting with Chase ( XXXX ) to refinance my mom 's mortgage loan as her Trustee and DPOA. Chase has the POA on record for her existing accounts. When I arrived at the appointment with the LO, I brought my mom 's most recent XXXX award letter and informed the LO that I was a Mortgage Audit Supervisor. He read allowed a disclosure to me based on the purpose of the meeting and disclosed that before he could take my application, he needed me to provide additional documentation which included previous income, bank statements, etc. This seems to violate Section 19 ( e ) ( 2 ) ( iii ) Verification of Information because Chase is requiring me to provide them with  documentation not only before submitting an LE but before I can even complete the XXXX Application. My mom banks there so they can see her XXXX income directly deposited, her Rental income directed deposited, and her assets. However, I was told to come back once I had all of the documents and my appointment was cut short. Please assist in enforcing the section on Verification of Information prior to being allowed to complete a Loan application. Even though I am in the industry, I felt discouraged in completing the application based on that type of flattened disregard of my time.

Company response to consumer: Closed with explanation