BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: MS
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:
This is a reply for this complaint # COMPLAINT ID XXXX SUBMITTED ON XXXXHello, I received your reply back from Equifax and am appalled that this even passed your system as a 'response '. If they don't have a file for me, I wouldn't have a credit report with them This is my name : XXXX XXXX This is the last 4 digits of my SSN : XXXX This is my DOB : XX/XX/XXXX This is my mailing address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MS XXXX I specifically wrote this complaint against them because they keep IGNORING my credit disputes! Now they are saying that I'm NOT me and I'm not requesting this as ME ; what kind of foolishness is this???!!! 

This is becoming frustrating and I'm coming to YOU, the federal government for help! Here is a repeat of my 1st complaint, I'd like for it to be actually investigated this time versus Equifax sending me a bogus response to buy more time. If this keeps happening, I'll have no choice but to speak with an attorney ; a consumer should NOT have to go through this during these times!!!! We are dealing with enough as it is! 

Original Complaint : I have been disputing this account since XX/XX/XXXX and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: VA
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:
While I was XXXX  my identity was stolen and abused. This account do not belong to me and I'm asking that it be blocked immediately from my credit file. The account in this instant matter is, XXXX XXXX XXXX {$790.00}

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 2020-06-26
Company: SELECT PORTFOLIO SERVICING, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2020 I wrote Select Portfolio Servicing, Inc. and requested that they explain to me how a financial institution can dual use a Special Warranty Deed With Assumption. 

It appears that the financial institution recognized the legal standing of the Special Warranty Deed With Assumption by only dealing with one party and modifying the mortgage. By this I mean the financial institution used the Special Warranty Deed With Assumption to waive the requirement for the signature of the co-borrower when the mortgage was modified. 

On the other hand the financial institution elected to ignore the fundamental basis of the Special Warranty Deed With Assumption,  which is that the Grantee agreed to assume and promised to pay all principal and interest remaining on the mortgage on the property. 

The Special Warranty Deed With Assumption was completed as part of a divorce that took place 29 years ago. After 29 years Select Portfolio Servicing is listing the late payments on the mortgage on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: MS
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 contacted Experian twice in the past & I filed a complaint XXXX XXXX and told them that XXXX  is a FRAUD account and needs to be delete from my credit report. I have not received anything from this company or give them permission to access my credit report. There are inquries that I didn't give permission to have reviewed my credit either for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX. Please delete this FRAUD information. I have sent a copy of my ID and everything I feel that this is not right and against the law to report information that you know is FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: SYNCHRONY FINANCIAL
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:
XXXX has been reported on my credit report which I am unaware of who they are.I worked with XXXX law to get this removed in the past and it was removed from XXXX but not XXXX. I did not open this account back in XXXX of 2017 and have no recollection of this account but it is still being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: SYNCHRONY FINANCIAL
State: CA
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:
To my knowledge, I have not signed any document authorizing SYNCB/XXXX  organization to view my credit history therefore, their inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I have disputed with them with a certified letter mailed out on XX/XX/XXXX19. I received a response from SYNCB/XXXX saying they will not delete these two inquiries I don't recognize below : Creditor Name : SYNCB/XXXX Inquiry Date : XXXX/XXXX/2019 Reason : I don't recognize this inquiry Creditor Name : SYNCB/XXXX Inquiry Date : XXXX/XXXX/2019 Reason : I don't recognize this inquiry The two unauthorized inquiries are hurting my credit and is prohibiting me to get approved for a home I am trying to purchase.

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 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
These accounts are incorrect on many levels for one I do not have an contract with ( 1 ) XXXX XXXX {$580.00}, or ( 2 ) XXXX XXXX {$240.00}. And secondly these accounts are obviously fraudulent because they definitely not mines and I'm demanding that they be removed immediately, or I will be filing suit for harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Westlake Services, LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Needed a car loan following current loan with excellent interest and payment options car was to be totaled multiple repairs 5 months later XXXX XXXX totaled the current car when got into current loan for used car interest as well as payment increased was told for one yr then could return to reg interest as well as normal payments like I had.. now in this loan 2 1/2 yrs to be told interest to high car not worth a third of loan amount still owing on a vehicle needed after 5 months of XXXX XXXX and XXXX taking months to total a flooded vehicle I was forced into this horrible loan due to desperately needing a car for work life job and all was in jeopardy please help need a new car loan with terms that can afford as well as decent interest noooo reason to force me back into the worst loan ever now told nothing I can do please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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: Was not notified of investigation status or results

Complaint:
I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regions Mortgage home loan balance as of XX/XX/XXXX : {$190000.00} Property valuve per XX/XX/XXXX appraisals : {$250000.00} PMI is scheduled to be removed : XX/XX/XXXX ( under assumption that no additional principle payments ) I paid additional payments in last few months and made current balance {$190000.00} less than 78 % of property value. 

I sent a secured written request to mortgage company to cancel PMI as loan balance is less than 78 % of property value. 

The mortgage company insists that PMI will be automatically terminated as per original schedule which is XX/XX/XXXX. 

Am I not eligible for automatic PMI termination now as ( I paid additional payment and ) loan balance is less than 78 % of property value?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is an old insurance deductible amount which was already paid. XXXX XXXX sold to three different collection agencies. XXXX XXXX XXXX, XXXX XXXX XXXX and now M Leonard & Associates. Under CCPA i will file a complaint for XXXX XXXX for sharing my private information while their debt has already been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: LEXISNEXIS
State: IL
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:
Dear CFPB representative, According to my XXXX, XXXX  and XXXX Credit file I filed for bankruptcy. Before this FALSE INFORMATION was reported, my credit score was a 700+ and my balances were very low. I wasnt having credit issues and no need to file for bankruptcy. However, someone elses bankruptcy is being reported on my credit file. As you can imagine this has drastically impacted my credit score. After speaking with a representative from each company I was advised that the Lexis Nexis Consumer Center and XXXX XXXX XXXX is where they received this false information about a Bankruptcy. However, when I reached out to both of these agencies they either told me that they couldnt find my information or that the bankruptcy had been verified ( They never sent me any proof of verification ). Moreover, XXXX has completely ignored my request to tell me where they received this false information and to remove it. Even after I gave them proof ( letter from the bankruptcy court they have listed on my credit reports ) that they made a mistake and must remove it from my credit report. 

Frustrated, I decided to contact the Bankruptcy court, and they informed me that they do not provide anyone with a debtors full social security number, and they do not perform any activities with the credit bureaus. They also stated that they couldnt find the case name or number. I have attached documents of proof to this letter. CAN YOU PLEASE HELP ME RECTIFY THIS MATTER. My credit score means everything to me and this issue has really set me back. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: WA
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 report a violation under the FCRA. Experian is reporting an unverifiable item. I am demanding this item to be removed from my credit report. 

If Experian fails to remove this item from my credit report, I will not hesitate on filing suit. I am giving XXXX  the chance to solve this through the CFPB portal. 

I am aware that reporting an unverifiable item violates the Free Credit Reporting Act and that it can be taken to court. I give Experian 30 days to remove the item and send me a deletion letter for my records. 

Below is the unverifiable item contained on my report : 1 ) Reference Number XXXX, Date Filed XX/XX/2019, status Discharged CH-XXXX. 

Thanks to whomever reads my complaint. 

See documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had to file a Bankruptcy on my home. My deceased mother fell behind on the property taxes and the only alternative I had was to sell the home. Whatever was owed at the time of the closing was paid out. 

I am in the process of buying a home and would like this to be removed if possible. 

Sincerely, XXXX XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Consumer Collection Management. Inc
State: MO
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:
These accounts are incorrect on many levels for one I do not have an contract with ( 1 ) Consumer Collections {$580.00}, or ( 2 ) XXXX XXXX {$240.00}. And secondly these accounts are obviously fraudulent because they definitely not mines and I'm demanding that they be removed immediately, or I will be filing suit for harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Thunderbird Collection Specialists, 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: Old information reappears or never goes away

Complaint:
TCS is incorrectly reporting the date of delinquency and collection on my credit reports. In XX/XX/XXXX I became delinquent on my HOA fees. In XX/XX/XXXX, the house was foreclosed on and sold. In the attached documents from the attorneys representing XXXX XXXX - the HOA - you will see the date of their affidavit of fees - after the judgement was issued for this debt - date was XXXX XX/XX/XXXX. According to reporting laws - 7 years from this date would had expired making the debt noncollectable and the collection should have dropped off of my account. The problem is that TCS is currently reporting the date of delinquency as XXXX on my credit reports. Secondly ; Exhibit 1 ( again from the HOA 's  attorneys ) is the CCR 's - which ( see highlighted area page 23 ) clearly states that the foreclosure or any proceeding shal extinguish the lien of the assessments. Third ; the accounting summary in exhibit 2 shows the original delinquency as XXXX XX/XX/XXXX. The date of the original delinquency should start the collection clock. 
All of this information has been sent to the TCS on several occasions as well as sent to the credit bureaus in dispute and TCS has continued to confirm the debt. I just spoke to XXXX - a collector who called last week - he was given all of this information, as they have been for years, and he promised he'd look into it and call me back the next day. I have not heard back from him as every other time I speak with TCS collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This complaint is about the student loan debt I acquired from XXXX XXXX XXXX in XXXX, Illinois. The school was a fraud school that lied to me about job placement if I attended there and graduated. 
I took out student loans in XXXX to XXXX to attend XXXX. in XXXX, Illinois, XXXX. 
After graduating from XXXX. I made several attempts to figured out what job they were going to find me, but all the attempts were met with lies of having to call back or being sent to the voicemail. 
I found out that U.S. XXXX XXXX XXXX has gotten involved and deemed XXXX XXXX XXXX a fraudulent school that lied to a lot of us. 
As of today XXXX XXXX is shutdown, because of the federal government and I'm stuck with student loans because there fraudulent practice. 
On XX/XX/XXXX I was made to take out {$9400.00} & {$4300.00} in student loans. 
I am making a complaint, because this school was a fraud. 
Please release from these student loans. 

XX/XX/XXXX for {$9400.00} and {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: MO
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'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

XXXX ] XXXX  {$940.00} XXXX XXXX XXXX XXXX {$1000.00}

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 2021-02-12
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report I was looking into, I noticed that the information that was on my credit report that was reported for my Vehicle Loan and the Company, has reported in correct information as with they have not reported to the credit bureaus monthly as agreed when I purchased the car. They have incorrect, false information that has personally not helped my credit score whatsoever since opening the loan last year. Theyve reported spotty and also reported I was 90 days past due one month which is incorrect. The payment amount monthly I pay is incorrect as with the balance and initial loan amount. Ive contacted them and they said they would contact me back but I never heard back. I sent messages as well detailing the mistakes and inadequate information being reported and they never responded. But they did harass me and contact me via phone, text and email daily when i was past due with my payment. But now refuse to contact me back, or state that the information they have doesnt reflect that. I was denied a credit card based on the information they reported that is incorrect, false and not true. Ive not seen a credit score increase at all since getting this vehicle loan, and I wanted to get help as they are required to report to my credit bureaus monthly with correct information. They have not attempted to fix this information nor provide me with documentation that I can submit to the bureaus detailing opposite information.

Company response to consumer: Closed with explanation