BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: NC
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:
EXPERIAN HAS FAILED TO RESPOND TO MY DISPUTE WITHIN THE ( 30 ) DAY TIMEFRAME THAT IS REQUIERD BY LAW ACCORDING TO FCRA!!!!!!!! I've sent in my dispute letter certified with supporting documents on XX/XX/2018. They received it XX/XX/2018. NO RESPONSE!! I've sent a certified follow up letter about my investigation XX/XX/2018. They only sent me a letter XX/XX/2018 saying they need for me to send in more identification! ( I am not sending them anymore of my personal identification! ) On XX/XX/2018 I called Experian about the situation. They told me that they never received any dispute letters with my supporting documents!!!!!!

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 2020-07-01
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From the probate cases starting in XX/XX/XXXX, the loan has been sold four ( 4 ) times to other loan servicing/Lending companies. Throughout each sale of the note I've been fighting to not only stop foreclosures but have not even be acknowledged by the lenders as the Owner of the property which I was granted through a Affidavit of Heirship. 

From the Probate Hearing as far back as XXXX, XXXX XXXX XXXX represented each Lender and failed to maintain commitments at court discussions allowing me the Owner to conduct the business of the mortgage, including collecting payoff quotes, establishing payments and disputing charges. 

Approximately, in XXXX of XXXX the Substitute Trustee XXXX XXXX XXXX of XXXX XXXX  representing the current Lendere Planet Home Lending , LLC received an offer from my lawyer XXXX XXXX at a reduced amount from the payoff. Mr. XXXX as seen in the file named " Delayed Response '' did not respond to the offer. It was common practice to deliver responses so slow that when we received them such as in payoff quotes the quotes were expired. All of this activity was under the distress of threatened foreclosure. Prior to this date, I had Buyers lined up and my efforts were ignored. 

Within this struggle, approximately in XX/XX/XXXX, I empowered XXXX XXXX and XXXX XXXX, agent in the amount of {$2000.00} ( proof of payment available upon request ) to file a Qualified Written Request on my behalf with the intent to stop the foreclosure, bring the loan current and sell the property. As you see, by the file attached named " LOI & QWR ''. These individuals did not engage with any result. In fact, I can not validate that they even sent the third party authorization form to the Lender. 

As of this afternoon, when I tried to reach my point of contact at Planet Home Lending , LLC " XXXX '' in the loss mitigation department. I was informed that I am not authorized to receive information on behalf of the Borrower, my deceased Uncle. Please see the attached file named " Special Warranty Deed '' which identifies me as the rightful property owner which was also prepared by XXXX XXXX XXXX dated in XXXX. 

All-in-all, every time I get close being recognized as an authorized party to the Loan, it gets sold to another Lender who then starts the foreclosure process all over again. I have spent over {$10000.00} in legal fees and other costs just to get recognized as the rightful Owner and the authorized person to pay the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Was not notified of investigation status or results

Complaint:
Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation laws. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.

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 2018-04-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2017 a " hard inquiry '' was reported on my credit report from XXXX XXXX. I have never been affiliated with XXXX XXXX. I have never been a member of them, have never even stepped for in their facilities, nor have I ever even gone onto a XXXX XXXX Website. I think I have been involved in identity fraud in this situation. 
This is the first course of action I have made against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Automatic Data Processing, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ADP is seeking to garnish my wages! They are informed that the court date to clear false and disputed debt is scheduled for XX/XX/XXXX at tha XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX. ADP XXXX XXXX XXXX XXXX, XXXX XXXX I have requested a release order from XXXX XXXXPA who keeps changing their name to create confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: DISCOVER BANK
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:
My name is XXXX XXXX, I had an issue paying such a small balance on my Discover credit card. I have an excellent long standing history with all my credit cards. In XXXX I was not able to make my payment, which caused my to go late for more than 30 days, thus my account was reported to the credit bureau for a negative impact on my credit report. I XXXX from XXXX when it was beginning here in the USA at that time. I was at the XXXX and I recovered after a months time. I was not able to make the payment. I called Discover and they were no help at that time, there was no deferment back then or any sort of help or understanding to my situation. Discover refused to help and instead reported me to the credit bureau negatively impacting my credit report when I had perfect standing! I want a resolution in good faith as this was an emergency and one time occurrence to resolve this in removing this negative report from my credit report as it has impacted my credit score and information to all potential lenders/banks. Now with the hardship of how COVID is now, I would really appreciate the help and resolution with Discover to put my account back in good standing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Collection Bureau regarding a debt I allegedly owe and request validation of that debt. I sent the letter by certified mail to make sure they received it and they did ; it was received in their office on XX/XX/2020 with certified mail # XXXX XXXX XXXX XXXX XXXX. To this day, XX/XX/2020 XXXX XXXX has ignored my request despite it being 75 days since they got the letter. They have not proved this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX XXXX XXXX credit card do not have a balance of {$230.00}, and XXXX/XXXX XXXX XXXX credit card do not have a balance of {$290.00}. Im disputing the inaccurate balance of both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : MIDLAND FUNDING. 
Balance : {$1600.00}. 
Date Opened : XX/XX/2018 Submit the information and identity theft report to report that this account is fraudulent. 
Send the claim by the Credit Companies like XXXX, XXXX, XXXX  but I don't get any help. 
They know, I never live in the United States and just move last year to here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: Nelnet, Inc.
State: TN
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:
In XX/XX/XXXX, my loan was XXXX under proven XXXX as submitted and accepted from my physician. In XX/XX/XXXX, Social Security returned a favorable decision in the court in XXXX, VA, backdated to XXXX XXXX when application was first submitted. Ongoing communication with the servicer Nelnet has proved futile to correct my credit reporting as a severe derogatory item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: AL
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 been going back and forth for several months with disputes with XXXX regarding my 2 accounts with XXXX   which are both being reported inaccurately.  OnXX/XX/2018 I submitted an online dispute with XXXX, XXXX XXXX XXXX XXXX, GA XXXX for both of my accounts with XXXX   requesting an investigation into the matter.  I stated to them that the XXXX accounts were being inaccurately reported.  Although in this latest dispute and my request for written verification per the FCRA, XXXX is still listing both of the accounts as being 120 days late.  They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018.  Both accounts were paid in full and transferred so how can they be 120 days late?  Why does XXXX refuse to provide me with the written verification?  All they are doing is prolonging this action plus causing unnecessary negative marks on my credit 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 2017-02-21
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This company appears to be maximizing interest and fees charged to their customers by creating challenging payment terms. I enrolled in auto pay but choose to make additional principle payments. To make a principle payment on-line, a {$7.00} charge is assessed. To avoid this fee, I have attempted to mail payments to this company. Even though the checks are clearly marked " Principle Only Payment ( and my account number ) ''. the payment is not handled properly and they " suspend '' payments and monies do not roll into principle even when auto pay is processed. The other MAJOR issue is a payment mailed on XXXX/XXXX/XXXX was not posted until XXXX/XXXX/XXXX. 10 days to mail to a collection box is ridiculous and my feeling is that this type of payment is being held until regular payments are processed. I have tried reaching out to them for a remedy but have not received a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX I authorized the Internal Revenue Service to make an electronic deposit of my tax refund for {$4900.00}. corresponding to my tax year XXXX. When I asked the bank if the refund was deposit they told me that no deposit had been made by the IRS at that time, XXXX XXXX. I continued asking for the money and the banker told me that the deposit did not appear on the screen of the bank. Wells fargo bank has denied my payment since and the amount of my deposit refund does not appear on my monthly statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have an escrow account with Freedom Mortgage that has a balance of {$6000.00} as off XX/XX/XXXX. We received a noticed from Freedom Mortgage our homeowner insurance will expired soon and ask to provide proof of insurance in XX/XX/XXXX. We immediately contacted our insurance agent ( whom has been our agent for the past 10 years ) for our homeowner insurance declaration page and send the document to Freedom Mortgage. Our insurance agent also informed us our policy has expired XXXX XX/XX/XXXX at XXXX, I called to Freedom Mortgage to confirm they received the insurance declaration page. They confirmed the receipt of the declaration page but have not for some reason our escrow account is NOT set to pay for our homeowners insurance. The representative told me that they can overnight a check to insurance once they can get this resolve on their end. I asked to file a formal complaint and get this escalated to management and receive a call back about this matter because our property taxes is coming due in XXXX. I did not receive any response from Freedom Mortgage, therefore, I called again on XX/XX/XXXX. Talked to a representative name XXXX and XXXX to resolve this issue, file a complaint and receive a call back. No call back. Talked to our insurance agent XX/XX/XXXX since we have no homeowner insurance coverage as our policy expired XX/XX/XXXX and we have not heard back from Freedom Mortgage. We decided to pay our homeowner insurance policy with our credit card because there was no responds from Freedom Mortgage on when they will pay our insurance premium. If Freedom Mortgage does end up paying, our insurance company can reimburse us. 

I called Freedom Mortgage again on XX/XX/XXXX at XXXX and I talked to a XXXX. XXXX did not provide any useful information and can not confirm if they will send a check to our insurance and can not confirm our property taxes will be paid in XXXX. Again, XXXX said she will escalate this matter to her supervisor. After spending hours on the phone for the past week, we still have not receive any response from Freedom Mortgage about this matter. We do not know if our property taxes nor our insurance premium will be pay but Freedom Mortgage has over $ XXXX in our escrow account and continue to collect funds towards our escrow acct from our month payment. This is not acceptable business practice and is unfair to consumers.

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX reported for the credit bureaus that I was 30 and 60 days late. However my account was paid in full and closed out back in XXXX of 2019 I contacted credit strong and they stated that they would resubmit the corrected information to the credit bureaus to have it fixed.

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 2020-07-01
Company: Cottonwood Financial Ltd.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Ive been contacted by someone that is apparently from XXXX XXXX XXXX telling me they were from the legal proceedings department and that I need to resolve the debt or I will be sued for breach of contract and defrauding a fdic institution. I asked for verification of the debt and then if I owed it I would resolve it after I saw the documentation. They refused to provide any stating that they can not because of some reason. I was eventually transferred to another lady who was XXXX and stated that she didnt care if I paid or not they would take legal action against me and if I wanted documentation I needed to go through the chain of command to get it. No one is providing anything. On top of that phone calls were left with 2 relatives of mine and a friend all staring the same stuff. A relative called back, the person did not verify anything but a birthday and told the relative all this stuff about suing me and the supposed debt. I am very unhappy about the whole situation. I cant find out if the debt is legit, I can not find an address, get a phone number to call and I am not okay with my information being given out and being threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,JXXXX XXXX XXXX  DOB: XXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: General Motors Financial Company, Inc.
State: PA
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:
The following company has a hard inquiry on my XXXX XXXX  and XXXX Credit Reports but was unauthorized. I have no knowledge if the inquiry that reported on XX/XX/2020. The company has been contacted but has not resolved the issue. Below is the company details : GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation