BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: LA
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 submitted a letter to Equifax Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
DPEDXXXX XXXX Balance : {$0.00} DPEDXXXX  XXXX Balance : {$0.00} DPEDXXXX XXXXXXXX Balance : {$0.00} DPEDXXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I am in the process of doing a loan modification which had a deadline XX/XX/XXXX.I sent in all the documents and was told by an agent on XX/XX/XXXX, that all they needed was a Profit and loss signed and dated by me.I immediately mailed it by XXXX XXXX on XX/XX/XXXX expecting that that was all they needed I also uploaded all the documents on their website .I then get a letter on XX/XX/XXXX that the file has been closed because they did not receive my Business Bank Statements and my XX/XX/XXXX Tax returns by XXXX Agent # XXXX.I was told in the beginning that all they needed were my personal Bank Statements and XX/XX/XXXX and XX/XX/XXXX Tax returns which I already sent .This is total neglect, unfair and inefficient. 
You cant tell a client you received all his documents except the P & L and then close the application, because you did not receive other documents.

I am fighting tooth and nail to keep my house and I am dealing with people that make you feel like you are a mouse being held by their tail, in front of a hungry cat.Please make sure Flagstar rectifies their situation in dealing with me.I am going to send them the other documents by email and mail, they requested, but please make sure the application is reopened and I am treated fairly and justly in my application in this loan modification.

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 2023-01-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to open an checking account with Wells Fargo I currently have no issues with them as of in now they sent me a rejection letter stating that I should check my credit report which I did and It has nothing on it that is suspicious on it that should raise a red flag on all of my reports I also check XXXX XXXX I have no bad checking accounts on file with them I had or any other banks. I had checking account with them in the past when I closed it was in great standing also as far as I'm concerned when applying for a checking account they should not be checking my report I did not volunteer that for that especially if it is checking account that is unethical business practices they can't even gave me a clear reason as in why my checking account application can't not be approved I also reported it to them as well and I have a case with them so I also wanted to file a case with you guys to I can get the case rolling please and thankyou

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 2022-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}, and XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Collection Information Bureau, 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: Account status incorrect

Complaint:
Its never been on there before. A collection from 2015 was just listed on my credit report that was paid and is found under collections. I called Doctors Business Bureau form XXXX Florida which is the offending party, to have it removed. It was paid but they are reporting it in collections but paid. 

I spoke with XXXX at the company. WOuld not give me any proof that they will remove it. They have to remove it. It is incorrect, and the status is NOT in collections. It is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Diversified Adjustment Service, Inc.
State: MD
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 received notice from a credit monitoring service that a new collection account was added to my credit file. 
I am not familiar with the creditor and have never been notified via USPS or email of such intent to collect on this supposed debt. 

I am concerned that no basic action of collection or notification took place prior to this collection account appearing on my credit-negatively affecting my credit score. 

I have asked the credit bureaus to dispute this information, on my behalf, however the dispute came back with results that said, " this account is verified by the company as being accurate '' and will remain on my credit. 

How is this possible when I was never notified of the intent to report to the credit agencies. 

THIS IS SO UNFAIR. My prayer for relief is that this account be removed, and the proper collection actions take place which allows myself and other consumers the chance to validate and/or pay this debt in the allowable timeframe my law. 

I was not given that option-now this collection account appears on all 3 of my credit reports negatively affecting my credit score and history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILYXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late RemoveXXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra vioilations RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX fcra violations not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: AmeriHome Mortgage Company, LLC
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : AMERIHOM MTG XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Monday XX/XX/2019 I made a payment of {$100.00} that was credited to my acount immediately. Then on Wednesday XX/XX/2019 I made a payment of {$6000.00} from the same account. I tried to use the card on Friday and the card was declined. When I looked up my account it showed that I had {$0.00} available to spend. I called customer service and they informed me that my credit line would not be available until Friday XX/XX/XXXX. The electronic payment has already cleared my bank. They told me that it would take 7-10 business days for my payment to clear which I feel is ridiculous. Now I can not use my card and I do not have the funds in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Informative Research
State: GA
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 multiple hard inquires on my credit report by a dealership that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates ( PRA ) placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request PRA to remove incorrect information off my credit report. More importantly, PRA are in violation of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EMBRACE HOME LOANS
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My hazard Insurance was due XX/XX/18, my escrow company didn't send the payment. Then escrow sent several payment with the wrong amount and canceled a payment. Three payments were sent. My insurance was finally paid correctly XX/XX/18. Now my escrow/lender is saying I'm behind on my escrow by over {$1000.00}. I am not behind, they have taken the correct amount every month with my payments. I've called 4 times, being on hold over a hour each time. Each time someone has a new idea why the escrow is short. They say someone will work on it and call back. But they have never called once. They are also saying I cashed a check in XXXX but of course no one can prove I signed it, which I don't believe I did. Now the lender/escrow want to raise my payment by {$87.00} because they can't get the records correct. I really feel I need some assistance with this Servicing Company Embrace/XXXX has hired.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I mailed a letter to TransUnion Consumer Solutions requesting they update incorrect and outdated personal information on my credit report which included incorrect and name variations, addresses, phone numbers, and places of employment. I requested this due to the rise in identity theft which I have been a victim since XXXX. 

On XX/XX/XXXX I received a response from TransUnion Consumer Solutions that I did not write the letter I sent them and they also insinuated that I let an " unauthorized 3rd party '' submit my information. This is 100 % categorically false. I wrote the letter personally and expected the matter to be resolved. I have included as proof : 1. The original written letter to TransUnion Consumer Solutions 2. The response letter received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: MD
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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX BANK XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXX : {$8600.00} ; XXXX XXXX ( Original Creditor : XXXX T XXXX  ) XXXX Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call all hours of the day and night all the way from XXXX to XXXX  7 days a week. They call when I'm at work and have told I can not take personal calls while there. Newest calls are everyday from different phone numbers I've had 4 just today, 3 yesterday, 7 on Sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity loan that is being serviced by Select Portfolio Servicing ( SPS ). This loan is a 15 year loan that is scheduled to mature on XX/XX/2021. The current balance reflected on my loan by SPS is {$17000.00} and my monthly payments are {$1200.00}. My account is not delinquent and with 3 months of payments remaining, the loan will not be fully amortized as it should be. There will be a balance owing of {$13000.00} that includes an agreed upon 3 month payment deferment of {$3800.00}, leaving an unpaid principal balance of {$9800.00} that is incorrect. Since XX/XX/2021, I have attempted to resolve this matter with SPS numerous times as I should not be responsible for a balance for which payments have been made. In my review of the payment history that was provided, it does not appear that payments were properly applied to my account and several unusual adjustments were made. SPS representatives indicated that an audit would be performed on my account and that I would receive a resolution to the disputed amount remaining at the maturity of my loan in XX/XX/2021. 

The responses that I received were inadequate and did not address the disputed principal balance. The first response I received on XX/XX/2021 included a 15 year amortization schedule that suggested that my current principal balance should be {$3800.00} instead of {$17000.00} ; however, no adjustment was made to correct it. The second response that I received on XX/XX/2021 referenced adjustments made to the payment history but stated that the balance of {$17000.00} was correct as stated although it does not match the amortization schedule. There was no documentation provided to support this statement. It suggested that I am responsible for the overstated principal balance. For your review, I have attached the " dispute resolution '' letters that I received from SPS. 

Again, I would like this matter resolved prior to the maturity of the loan on XX/XX/2021 to avoid any negative impact to my credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation