BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XX/XX/2023 : Contacted HOA to inquire about a disclosure on my closing statement that says HOA dues are included the escrow account but the HOA 's official portal says I need to make the payment myself. HOA responded by inquiring with the lender if HOA is included in the mortgage payment and how they process that payment. 

XXXX XX/XX/2023 : Contacted the mortgage company copy-pasting the section that says HOA dues are included in the escrow account on my final closing statement. Company refutes saying HOA is not a part of monthly payment even though there is a section clearly saying it will go into my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: VA
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 am writing to dispute the inaccurate and inconsistent credit reporting practices of several creditors. Specifically, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

These violations have greatly impacted my life, making it difficult to obtain credit and negatively affecting my credit score. For instance, my XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account has been reported inaccurately to all three credit reporting agencies ( XXXX XXXX XXXX, and Equifax ), with inconsistent reporting of the Last Verified type, Date of Last Activity, and Final Payment. Additionally, XXXX and Equifax failed to report my XXXX XXXX XXXXXXXX ) account, and inaccurate information has been reported for my XXXX XXXXXXXX ( XXXX ) and XXXX XXXX accounts, including the High Balance, Last Verified type, Date of Last Activity, and Closing Date. Furthermore, the reporting of the High Balance has been inconsistent among XXXX, XXXX, and Equifax for my XXXXXXXX XXXX XXXX  XXXX ( XXXX ) and XXXX XXXX ( XXXX ) accounts. 

These errors have caused significant emotional distress, making it challenging for me to secure loans and credit at reasonable rates. It is my belief that these creditors have violated the FCRA and FACTA by failing to provide accurate and consistent information to the credit reporting agencies. 

Therefore, I request that you enforce the legal provisions of these acts and require the creditors to remove the unverified collection accounts from my credit report. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I opened an account on Binance.us to start purchasing Crypto and they put a 10 day hold on my money to verify my bank and info, which is fine with me. Its now been 12 days and my money is still frozen and cant withdraw it. Ive searched the internet and found multiple forums with horror stories of Binance.us not releasing peoples money after the 10 day verification. Ive seen some as much as 9 months with no luck getting their money. This company has no Phone or address listed to get a hold of them but I have emailed them with no response. It says they are located in XXXX XXXX but thats all it says. Id just like my money released and thats it. Its almost fraudulent on what this company is doing to people with no way of contacting them or getting their funds. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a refund from XXXX for my student loan payments I had made during the pandemic. They processed my refund and said I was eligible for a refund of over {$11000.00}. I called to follow up since I had not received my refund, and XXXX told me that my loans had been transferred to Aidvantage who would be processing my refund. I called Aidvantage who said they have no record of me in their system but the transfer should be complete by XX/XX/XXXX and to keep trying to register for an account on their website. It is now XX/XX/XXXX and I am still unable to register for an account on Aidvantage 's website and they are unable to find a record of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-04-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX, up to now XX/XX/XXXX, XXXX no actions were taken with the company. I have been trying to get this company to do the right thing since last year. The bank keeps going with the merchant. they have been going with him from day one because he signed my name on the delivery slip and it not mind signature. I fax the bank my signature and they still went with the merchant, they also have a recording that they refuse to listen to. I have been asking them to look into this matter more and they refuse to do that as well. I don't have any of my items at my house then and still don't have them now. I needed yall to look into this matter for me deep into it because I should not have to pay for something I don't have. The fraud department at the bank won't open an investigation on this matter at hand. I try all I can do to get this right and the bank not doing anything to fix the problem at hand. This is the second complaint I did on this bank and it went nowhere at all. The bank doesn't call or write me for any information at all so all the documents I sent to them on my own and they still not doing anything. I need help with all the hope I can get. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX security systems sent an overdue Bill to trans union collections. This obviously ruined my otherwise spotless credit report. The bill from XXXX actually belonged to wife per our divorce decree which I tried to explain to XXXX several times. All they did to fix it as I was promised was to suspend the account and then finally, without my knowledge, sent it to Transunion collection. This ended up happening m my otherwise spotless credit report dropping my score from the XXXX to XXXX, taking me completely out of the game to borrow any money, etc. Although the bill wasnt mine, I paid it and now they wont take it off my credit report- 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 2021-07-11
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Conns Home Plus Contacts Me Numerous Times A Day, Everyday, From Several Different Phone Numbers. I Was Late On A Payment, And They Have Been Harassing Me Non-Stop. Ive Spoken With The Customer Service Department And Asked That They Only Contact Me Via Email Or Mail ; And They Continue To Call Me Repeatedly Everyday, Several Times A Day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to XXXX XXXX XXXX, Account number XXXX. XXXX XXXX XXXX Account numbers, XXXX. XXXX XXXX XXXX Account number, XXXX. XXXX XXXX XXXX XXXX Account Number, XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A. States i have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section states No consumer reporting agency may make any consumer report containing any of the following items of info, Any other adverse item of info, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-11-05
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a medical bill that was added to my credit report that I never received notice that money was due. I was not made aware of this until it hit my credit. I want this removed off my report. Once I was made aware of the collection I paid it right away had they sent me a bill or statement it would have been paid then. I want this off now RSI Enterprises-RSIMD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted XXXX to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX 9 and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also XXXX keeps reporting Midland credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these accounts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted XXXX to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX 9 and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also XXXX keeps reporting XXXX credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these accounts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a credit monitoring service called XXXX. I pay a monthly fee to them and they send me my fico XXXX scores for each credit bureau along with all collections, open accounts, closed accounts and hard inquiries. This updates every month for me on or around the XXXX. I noticed on XX/XX/XXXX when I got my updated credit reports from all three that Transunion had no fico score. As I begun to investigate further I saw that the information from Transunion including closed, open, hard inquiries and collections were all removed. I had two accounts that did remain, those were my two secured credit cards, XXXX XXXX and XXXX. After finding this information out I immediately called Transunion and spoke to a lady. This was on the same day. XX/XX/2021. I begun to explain to her what had happened and that I no longer had a score and the closed accounts, open accounts, collections or hard inquiries were absent. She was a bit confused and didnt really have an explanation. I hung up with her and called MY FICO. I spoke to another lady and explained everything to her and she told me she also no longer saw a score and only XXXX open accounts. She told me that this happens when accounts are too new to generate a score or you dont have enough information to report and generate a score. After hanging up with her I immediately went on Transunion.com and paid for a credit report which was XXXX dollars. I continued to check my report day after day to support my findings and to confirm what myself and MYFICO customer service told me about the report. XX/XX/2021 I went on my Transunion account to check my score once again and the accounts and all the old information popped back up without notifying me.

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 2023-01-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft. first my information was exposed in a mass data breach by XXXX and XXXX. Then my car was broken into and my social security card and id was stolen which led to someone opening up bank accounts, credit cards, loan accounts and other account types without my knowledge. I have contacted this bureau to notify them of this and I have sent in the proper documentation. I have the right under the us code 1681 and the XXXX XXXX to have this information removed, suppressed, and permanently blocked from my credit report and consumer 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 explanation
Consumer complaint received 2021-03-05
Company: United Shore Financial Services, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX UWM vs XXXX XXXX  - The Failure Of Capitalism - Oligarchy Unfolds HURTING XXXX XXXX Quite Frankly No Wholesale Lender ( whether wholesale only or retail/wholesale care out the broker. UWM is efficient in processing and closing but very expensive and the value of the efficiency is not there. XXXX  is less expensive and not as efficient but probably more of a value to the broker.

The fact that UWM can use its power in the marketplace to hurt fair business practices is the issue that I think regulators should PUNISH UWM for. 

And poor brokers have to just sit here and take it. 

CFPB - bo something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
there are inaccuracies on my credit report i submitted a dispute was never notified of the results so i resubmitted the dispute and Transunion is refusing to investigate and delete the inaccuracies on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my credit report, I discovered several inquiries that I did not authorize. These unauthorized inquiries have the potential to negatively impact my creditworthiness and financial well-being. They are also violating my rights under the Fair Credit Reporting Act. 

I have already taken the initial steps by contacting the credit reporting agencies involved to dispute these inquiries. Despite my efforts, the unauthorized inquiries remain on my credit report. I have listed the inquiries and the bureaus they are reporting to below. I have also attached my identity theft report. 

XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Transunion : 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 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