BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-16
Company: EMBRACE HOME LOANS
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am attorney for an estate. The deceased had a mortgage which was in arrears due to her being in a XXXX home and no one paying on it. In XXXX after a personal representative was appointed to settle the estate, we advised the lender in writing we were selling the home. The lender had previously sent an XXXX XXXX XXXX notice re intent to foreclose but never initiated foreclosure ( I checked the County records on XXXX XXXX ). We paid the loan off XXXX XXXX at closing on the sale by wiring funds and have confirmation the funds were received. The payoff included {$890.00} in attorney 's fees, but Pa XXXX XXXX only allows {$50.00} to be collected prior to initiating foreclosure. I had my partner email my complaint about this to the lender XXXX XXXX before closing and was promised a written response in 10 days which I never received. We paid the disputed sum at closing so as to be able to complete settlement. Then yesterday XXXX XXXX, I was advised that the lender had shown up at the house ( 2 weeks after the loan was paid off and title transferred ) and wanted to board up the house. The buyer, in a panic had contacted the realtor who called the title insurance company which called me. I spent 2 hours on the phone with the lender trying to reach someone to resolve this and was never able to talk to anyone with any authority or interest in trying to resolve any of the above.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: NJ
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 have three collections reporting from XXXX, I requested an investigation from them directly and from Equifax. I have not gotten a proper response from XXXX I am unsure of the correct reporting and I don't believe equifax  has done a proper investigation into this matter. They just keep verifying the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im dealing with shellpoint mortgage and my loan is paid off and im having trouble getting my release papers and they owe me for a overpayment. Im trying to remodel my house and I can not take a loan out on my house because of shellpoint holding my information and I heard they have withheld a lot of customers release papers and not refunding them in the past and have several lawsuits. I been calling for a month now and I get no response. Someone really needs to do a investigation on this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: John C. Heath, Attorney at Law, PLLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/2020 I signed up for Lexington Law Firm XXXX XXXX XXXX. I decided to cancel the service on XX/XX/2020. 

XX/XX/2020 Lexington Law debited my checking account for {$100.00} without authorization and for no services provided to me because the service was cancelled. 

I telephoned Lexington Law Firm on XX/XX/2020 and spoke to a paralegal XXXX who confirmed the services were cancelled so my account should not have been charged. 

I telephoned my bank and requested a stop payment on all future charges by Lexington Law Firm in the event the company attempts to withdraw money from my account for a service I do not have with this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent my first letters over 4 months ago to XXXX, XXXX  and TransUnion. I also sent more letters almost 2 months ago and neither of the bureaus have not been responsive to any of the lettters I sent out. I know things are slow because of COVID-19 so I'm trying to be patient but to not have received any responses at all is unacceptable to me. I am trying to get a pre-approval for a house soon and the non responsiveness is preventing me from that.

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 2021-07-06
Company: The CBE Group, Inc.
State: UT
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:
CBE Group is reporting a debt on my credit file that must be removed. I have been disputing this account and have sent several letters asking for validation. I have attached the letter I most recently sent. Please remove this from my file as you have exceeded the 30 day period and I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband and I opened up a Wells Fargo credit card account. we wanted to see how much credit we can get in order to get 0 % interest on a balance transfer from my husbands high interest XXXX  credit card ( card is only in his name ). When we got approved, we were notified that the amount we are approved was {$4000.00}. We decided not to go through with the card. ( no information was given regarding my husbands XXXX credit card. On XX/XX/2019, We were checking our accounts and realized that there was a payment of {$3600.00} made on my husbands XXXX card. We called XXXX and asked if they can tell who made the payment on the account because we didn't make any payments. They were not able to tell, they ended up reversing the payment. As soon the payment was reversed, we noticed a payment of {$3600.00} made on my XXXX credit card that is only in my name. I called XXXX again and they were able to find out who made the payment. I was informed that Wells Fargo did a balance transfer to their credit card without my authorization. Not sure how they were able to get both of our credit card numbers.XXXX is refusing to reverse the payment and Wells Fargo is not requesting to have the payment withdrawn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CITIBANK, N.A.
State: TX
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:
Citi charges {$95.00} annual fee for the AAdvantage card that I have with them. They have historically waived the fee given that I have been a long time customer with strong credit. This year they did not waive so I informed them I would be canceling. I canceled the card and asked for the prorated fee back ( which they had explained that I would received once I canceled ). 

They informed me that I would get nothing back because I canceled outside a 60 day window. I paid a full year annual fee ( which was paid in XXXX/XXXX statement ) and have received less than 4 months of value. I should be paid the prorated amount back, but Citi will not do so which is completely unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello My name is XXXX XXXX I financed a car back into XXXX from credit acceptance XXXX, in XXXX I lost my job and husband in the same year and became behind on my payments. They came and took the car and they never sent me itemized bill or any options to get the car back. Some time in XXXX I was notified about this and I asked for an itemized bill or a statement for what for what owed them since the care was sold. At the end of XXXX I lost my job and now was looking for new employment. In XXXX and XXXX, I started to received threatening calls from a man but would never identify himself. He sounded like a scam or someone who was trying to scare me in to giving my information out. The calls stop and about 6 months ago they started again. I found a new job and have been working on my life and now my credit. this debit is 11 years old. I never had a chance to fight it or see if they cost was true and now because I am working again and working with agencies to help better my credit they have are now going after my wages ..This debit is 11 years old. This is a lot of money coming out my check and I don't believe I should be responsible for the full amount they are asking if any.. How long will this debit haunt me.. I am trying to get ahead and just like that i am pulled back down for a 11 year old debt. Is there any help for me. 
thank you for any assistance XXXX XXXX XXXX is the Attorney for credit acceptance XXXX. When I called them they said they will have to go to a storage and pull my file since it is old.. '' Ya think 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 2022-08-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX XXXX Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL.If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: AmeriCollect
State: NJ
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 have three collections reporting from Americollect, I requested an investigation from them directly and from XXXX. I have not gotten a proper response from Americollect I am unsure of the correct reporting and I don't believe XXXX  has done a proper investigation into this matter. They just keep verifying the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian, XXXX and XXXX  are reporting items on my credit report that are inaccurate and past the statute of limitations. When I have asked to verify and validate the account they only say it's been validated as correct. By law, they have to prove in writing, with the Original creditor that I signed a contact and show proof of such, i.e. a voided check. They are playing stall tactics so they can be paid by debt collectors that have purchased these inaccurate accounts. The are also breaking the law by reporting HIPPA medical accounts that can only be reported by the original creditors. The hard inquiries listed on my report are inaccurate. By law, only if I authorize, can a company run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, Equifax received an initial certified letter from me, disputing and requesting verification of various accounts reported by Equifax on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Equifax has stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Equifax received a follow-up certified letter from me requesting again to provide their method of verification of each account listed on the initial dispute letter. 

On XX/XX/2019, I received a response from Equifax sent via a regular mail, which included a copy of my credit file dated XX/XX/2019 which states similar information as their earlier reply which says they have " verified the accounts '', and the " have updated '' and/or " modified '' various fields within each account in question. 

Equifax has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Equifax received certified mail from me on Thursday, XX/XX/2019 at XXXX, but did not reply within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Eastern Account Systems of Connecticut, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have requested validation in regards to the following collection, I got a printout from them saying the amounts, I don't know if that is the amounts I was told how much of it insurance was supposed to cover. I therefore requested more information to which I got no response yet they keep verifying this information the 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 2020-05-07
Company: Convergent Resources, Inc.
State: SC
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 things on my credit that are not mine. Some that is in another state and I knew nothing about and wan na know how can I go about do this and clearing this up even if I have to take legal action

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 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i filed for bankruptcy 7 years ago and over those years i have paid on time on all my cards, paid off a car and shown Im a person who pays their bills. my credit has improved and my student loans are off my credit as well. 


i should be able to get an XXXX XXXX credit card or at least a secure credit card. i have applied multiple times and still getting denied after applying. i think they need to change their practices on who gets approved. i find it very hypocritical when they judge me when they got a XXXX dollar bailout from the government. 

Bank of America received {$20.00} XXXX in the federal bailout from the U.S. government through the Troubled Asset Relief Program ( TARP ) on XX/XX/2009. 

judging on past bankruptcy which was 7 years ago is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Collection Bureau of America Ltd.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice for " XXXX XXXX '' which is my married name and my XXXX name, but I do not use it on any credit applications. 
The debt is {$180.00} plus {$17.00} interest. The holder is supposedly XXXX XXXX XXXX XXXX. 

This is not a valid debt. The collection agency ( Collection Bureau of America ) has failed to provide proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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:
Experian Information Solutions Inc ( Experian ) has violated United States Federal Law Gramm Leach Bliley Act 15 U.S. Code 6802, 6803, 6821 the entire section of the Gramm Leach Bliley Act ( GLBA ) and shall be held criminally accountable. 
Experian Information Solutions Inc Has violated XXXX XXXX rights to privacy and shall be held criminally accountable and Experian Information Solutions Inc and agents shall be imprisoned with Prejudice! 

XXXX XXXX XXXX ALL RIGHTS RESERVED.

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 2023-01-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are many account inquiries on my credit report that I do not recognize. 

XX/XX/XXXXXXXX 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 2022-10-26
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: Public record information inaccurate

Complaint:
My issues are with the below parties. I have reached out to them over five times to express this is incorrect. All bureaus are showing a collection from XXXX XXXX XXXX which is incorrect and should be removed. Please assist. 

XXXX. XXXX XXXX. Equifax XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried reaching out to EXPERIAN, XXXX and XXXX with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.

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