BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}

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 2020-08-19
Company: Data and Contact Management Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my father died in XXXX of last year. had debt with XXXX credit card. i did a estate for father and after funeral paid and such only was {$88.00} and some change left so i sent to only creditor which wanted their debt paid, which was dcm services.check was returned saying wassnt full amount. now they sent to another agency and now they are harrassing me. my name not on debt at all. i advised dcm to stop harrassing me, but still continues and now another. last that was mailed was in my name, now i am afraid they are trying to aapply this to my credit for non pay. need to get stopped and my credit file checked they havent applied this as my debt. i spoke with a cfpb spokesperson and she advised me to file complaint to get stopped. she was very helpfull

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: MO
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 am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 4 months my requests have been overlooked. Discontinue the stall tactics and please delete the disputed accounts reporting erroneously on my Credit Report. Upon further review of my Credit File, I immediately noted the following : a ) Charge Off account continue to report on my Credit File still indicating a balance, for all I know, Charge Off accounts report 0 balance ; b ) the repossessed account was done illegally followed by illegal reporting on my Credit Report ; and c ) the accounts reported are already deleted from the other Credit Bureau, making me wonder why is it too difficult for the other Credit Bureaus to do the same? Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint requesting that the Credit Bureaus must remove the disputed items completely from my Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: AmeriHome Mortgage Company, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my insurance agent sent the invoice for my homeowner 's to my mortgage servicer, AmeriHome. The email was verified with a customer service representative that I called on XX/XX/XXXX. Her name was XXXX. It was not a great call. Due to the non-payment from AmeriHome, I had to start a new application and the premium went up. She stated that AmeriHome would not be paying the difference if it increased. It did increase from {$910.00} to {$950.00} annually. After she refused to escalate to a supervisor twice, she transferred me to the insurance department and provided the number for them. I was only hold for about an hour and suddenly there was a busy tone. I called the number XXXX provided and a recording stated that they were now closed ... Since my home was not insured for this time I felt the urgency to get a hold of someone immediately. I emailed a complaints or compliments email that I found online and made them aware of the situation. I received a response, that they would overnight my payment to the insurance company and that I should be credited. I have yet to see the result of that. It is very concerning as a first time homebuyer that my taxes and insurance be paid on time especially since I am making my mortgage payments on time and even early. This is our first month dealing with them and our first payment was due XX/XX/XXXX and not a very positive way to start a 30 year relationship. I am disappointed non the least and nervous that going forward I will have to constantly check to ensure that my insurance and taxes are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I mailed these letters certified mail to you and i have yet to receive A WRITTEN RESPONSE!!! MUST I PURSUE LEGAL ACTION!!!!?? 

XXXX XXXX XXXX XXXX Remove my items immediately or face 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 2022-09-09
Company: Opportunity Financial, LLC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report.

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$5900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello my complaint is related to escrow account where i should maintain enough money set aside so that Shellpoint is able to pay my property taxes and home owners insurance.My property taxes are {$6700.00} for XXXX XXXX XXXX. My home owners insurance is {$620.00} the combined total amount for taxes and for home owners insurance is {$7300.00} for an entire year. I have addressed the following with Shellpoint in the past. In my escrow account as of XX/XX/XXXX i have a total amount of $ XXXXas of today XX/XX/XXXX i should have approximately XXXX in my escrow account that is calculated because i have sent my XXXX mortgage payment. In this way i am sure i have {$15000.00}. I have in the past asked Shellpoint to make adjustments and to refund to me any surplus money but Shellpoint does not want to comply.There is regulation and guidance on how much a mortgage company should reserve for the escrow account. there is a chart that a mortgage company should reserve. In my situation they have failed me. I have waited XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. That is when shellpoint concludes annual audit of my account with Shellpoint. I have waited patiently in hopes that Shellpoint would send me surplus money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-03-04
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:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under XXXX XXXX Code XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act XXXX XXXX  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : 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 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My husband passed away in XX/XX/2022 I went to Bank of America to close out his checking and savings and I was not allowed to do that as his wife. At that time I presented the will and the death certificate and they still refuse to close the account I want to close both accounts. These accounts have not gotten not one penny of interest at all. I do not wish to do business with this Bank I want to close my husband 's accounts. Not only has this created a financial hardship it has caused more stress and grief. I am already broken from the loss of my husband now Bank of America has compounded it. This bank has not only refused to cooperate they have been rude and condescending. They have not even made an attempt to resolve this issue. They have not even told me one thing as to why I am unable to close these accounts they have not given me any reasonable explanation why they are holding this money.

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 2022-09-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been a victim of wire transfer fraud recently. 
Date : XX/XX/2022 Amount : {$2100.00} XXXX transferred the above amount to Wells Fargo Account XXXX XXXX Account Identifier : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX I could reclaim {$690.00} with the help of my bank - 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 2022-06-09
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
constant harassment and phone calls from greenline loans about a debt. 
calls are once a hour every hour. 
I want them to be fined {$1000.00} and a check issued to me for this harassment which is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to AM HONDA FIN XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Westlake Services, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance Westlake FinancialXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a civil complaint from XXXX XXXX XXXX of XXXX XXXX XXXX seeking money from an account I have no knowledge of. I do not have an account they are speaking of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have information showing on my credit bureaus saying I have delinquent accounts that I included in a bankruptcy. I filed a bankruptcy in XX/XX/XXXX and it was fully satisfied and completed by XX/XX/XXXX. I will list out the mistakes that need to be corrected. 

XXXX ) credit card XXXX XXXX XXXX  claiming I was delinquent XX/XX/XXXX. This account was never delinquent. I am guessing they decided to report me delinquent since I filed bankruptcy. As you can see from Equifax, the account had a XXXX balance, nothing owed. 

XXXX ) XXXX XXXX XXXX claiming I was delinquent XX/XX/XXXX. This account was never delinquent. It was paid fully as agreed and had a XXXX balance at the time of my bankruptcy filing. 

XXXX ) XXXX XXXX claiming i was delinquent XXXX and XX/XX/XXXX. This was a home equity loan that I paid in full and never had a single late payment. 

XXXX ) XXXX XXXX claiming I was delinquent on my auto loan XX/XX/XXXX. This account was all ready paid in full with XXXX balance. ( XXXX XXXX and XXXX XXXX are related ) I flied bankruptcy because I had no choice. I had a business partner who cleaned out our business account and ran off with {$400000.00} and left me on the hook to pay bills with no funds or income. I used what remaining savings I had left to make sure my creditors were paid on time, so I take it very personally that these creditors are reporting wrong information about me. I did have a few accounts that became delinquent that I did include in the bankruptcy, but NONE of those accounts are the XXXX listed above. Those XXXX above were paid PERFECTLY. I have not received any PROOF from the creditors documenting my late payments/delinquencies. I was under the impression from Equifax that if the creditors could not provide solid proof of the delinquency, that they were required to correct my report. Equifax did not get this proof from the creditors and simply sent we a response saying that the creditors say the info is correct. Filing bankruptcy was a low point in my life and I fought very hard to not have to go that path. At the very least, I expect the creditors that I paid perfectly to honor their obligation and report my payment history correctly. I feel they are taking advantage of my bankruptcy and " piling on '' to cause damage to me. I request that the CFPB hold them accountable for the damages they have caused me and force them to correct the credit reports at all 3 major bureaus. Thank you!

Company response to consumer: Closed with explanation