BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Lender, XXXX XXXX, locked my rate at 2.875 % on XX/XX/2021 and didn't explain the rate was locked until XX/XX/2021 and what that meant. 
On XX/XX/2021 I was informed XXXX XXXX was no longer with the company, Velocio and she had failed to provide me important details such as other options I had. 
I was unable to close on XX/XX/2021 due to COVID related issues/staffing, the winter storm, I didn't have electricity in the home, causing the XXXX XXXX  XXXX inspection to be delayed, the HVAC system wasn't working, and there was a construction related incident on the 2nd floor of the home causing the HVAC system to be turned off until it was fixed. All of this took place the week of XX/XX/2021 - XX/XX/2021 The issues above were out of my control .My realtor reached out to the Builder manager to ask for perks and the builder offered two items totaling less than {$1000.00}. 
We wanted the rate bought down from 3.65 % to 2.875 %. The monthly mortgage went up by $ XXXX. That is a lot for a single mother who promptly turned everything in. 

Builder : XXXX XXXX ( XXXX XXXX & XXXX XXXX ) Mortgage : Velocio ( XXXX XXXX, 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 2020-06-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-02-25
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2020, I submitted a payment of XXXX as a direct deposit payment and a payment confirmation of that date and payment I submitted was confirmed and I printed a copy of the record, on XX/XX/XXXX I called XXXX XXXX to ask why I was reported late on my credit report, representative from the bank said no payment was received from me, after sharing my confirmation number and reason why that occurred was on a technical level issue on behalf of the bank, representative agreed to reverse the late payment fee adjustment as it appears on record and along my confirmation that I printed at the time, knowing that my business shut down due to coronavirus in mid to late XXXX reason for my late response to the technical error on the XXXX XXXX website. The representative said reversing the late fee will automatically remove my negative reporting to the account and this has not been completed and it has neglected my ability personally while a victim of business interruption of the pandemic and a victim of XXXX XXXX illness shortly after. Also monthly payment are electronically shown paid and that the count of payments made versus if any missed doesnt add up to a completely 30 days of no such payment and my records are available to provide clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
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: Account information incorrect

Complaint:
I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public help.

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 2021-11-03
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA XXXX Balance {$850.00}. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for two refinance loans with Cardinal Financials in XX/XX/2021. They have been going back and forth and delaying the process for close to 5 months. I have been very much on time in providing all the docs they need and I have good credit score and financials. 
I think the main reason they have delayed this process so long is that the rates have gone up since then and they are trying to avoid closing the loan at the rate that we locked. In the mean time I have wasted significant amount of time and note given the higher rates I will be losing money if I switch to another lender. 
It seems like this is a normal practice for cardinal financial to offer low rates online to attract people and then if market changed and rates went up they delay the process by so long that applicants give up..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: ID Analytics, Inc.
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX   XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have attempted to have a account removed from my report with no luck, I have attempted to have my correct personal identifier 's on the report with no such luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: ERC
State: RI
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 noticed a company named ERC # XXXX AMOUNT {$59.00} reporting this collection account that doesn't belong to me. I was never properly notified about this account by this agency. I would like this account removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
LAST CHANCE TO DO THE RIGHT THING AND HAVE XXXX AND XXXX   VACATE BOTH JUDGEMENTS. ALL DEBTS HAVE BEEN DISCHARGED VIA CHATER 7 BANKRUPTCY. CASE 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 2022-01-06
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:
i recently pulled my credit report and noticed several accounts that were listed on my report that i did not authorize or give my permission to be opened. I am a victim of identity theft and I need these accounts and information removed from my report immediately

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 2021-05-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent the following letter and have not heard anything back SW CRDT SYS XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX Dear Sir or Madam : I recently checked my credit on XXXX and found that you had entered a derogatory mark. There must be some mistake as Ive never heard of you or from you. Not one bill. Ive lived at the same address for over 30 years with the same home phone number. 
Perhaps you have the wrong person I dont know but I pay my bills. 
Please look into this and remove the erroneous mark ASAP So I sent the below to XXXX  and XXXX I recently obtained a copy of my credit report from XXXX and found a derogatory mark from SW CRDT SYS. There must be some mistake as Ive never heard of them or from them. Not one bill. Ive lived at the same address for over 30 years with the same home phone number. And I pay my bills. 
I would appreciate it if you would look into this matter and clear up this remark. 



I thought it might be from a dispute I hade from XXXX XXXX so I got my XXXX  report and they don't show anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This is my SECOND complaint. I find this unnecessary that I'm having to do this again. I did file the first complaint not anyone else This is a stall tactic on their part. I have file a dispute back in XX/XX/2020 one complaint already and now second one. It has been XXXX months now and NOTHING. How many times do I need to file things to get this DONE. If this is not taken care IMMEDIATELY I will have no choice but to take legal action against Experian.

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 2017-09-16
Company: Experian Information Solutions Inc.
State: AR
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: Problem with personal statement of dispute

Complaint:
I am writing in reference to a Released XXXX XXXXn that is reporting on my XXXX and Experian credit report as Serial No. # XXXX. The XXXX has been released since XX/XX/XXXX. I have filed numerous investigations in efforts to having this public record removed by phone, letter and online, the most recent was XX/XX/XXXX and it came back updated XX/XX/XXXX. This the same released XXXX XXXX was immediately removed by XX/XX/XXXX after 1 investigation. 
Under the New Law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN and DOB in order for it to appear in your credit file. XXXX or Experian has not updated their information and PER the New Law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet was stolen on XX/XX/2013 and someone has stolen my identity and obtained credit cards and loans in my name. I have filed police 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 2018-12-08
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
When I moved out of my apartment I was told I would only have to pay for the carpet which was around XXXX an maybe some other damage. The manager told me I would receive the bill and my security deposit in 1 week but I didn't receive anything and couldn't get ahold of the manger after that. 3 months later I get a call from a debt collector saying I owe {$800.00} from the apartment that I was never notified about. 

The property owner is XXXX XXXX and the apartment is called XXXX XXXX. The debt collector is National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of 2019. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of 2019 and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX  XXXX  XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in XXXX the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.

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 2022-08-14
Company: MRS BPO, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an XXXX account that I closed due to my moving. The account was paid in full with XXXX and never went to collections. I checked my consumer report and saw that a debt collection agency reported this false information to my report. I reached out to the collection agency directly by phone to straighten out the false information but they refused to remove it from my report. I asked them for the account number and they didn't have XXXX. They have the last XXXX digits showing on my credit report as XXXX. I have a recording with XXXX stating that they don't work with this debt collection agency and that my account was never sent to collections. 
ACCOUNT # XXXX AMOUNT : {$180.00} Last payment received : {$82.00} on XXXX Date account closed : XXXX Agent Name : XXXX XXXX XXXX # XXXX Agent Department : XXXX XXXX Agent Name : XXXX XXXX I.D . # XXXX XXXX department : XXXX XXXXXXXX XXXX was the first agent I spoke to and gave me the account number, amount, and date of payment. She transferred me to the accounts receivable department and I spoke with XXXX who confirmed everything and informed me that they ( XXXX ) do not work with the debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief