BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX To : Whom it may concern Subject : Paying my home deed remaining balance of {$6000.00} On XX/XX/XXXX, my parent XXXX XXXX and XXXX XXXX were the home owner of XXXX XXXX XXXX, XXXX XXXX XXXX  NY XXXX. They singed a home improvement contract with XXXX XXXX XXXX XXXX  XXXX for {$6000.00} in XXXX. At this time XXXX XXXX XXXX XXXX  has listed merging with XXXX XXXX. However, XXXX XXXX  has been merged with Bank Of America National Association. On XXXX, I purchased the property from my parent. Today the property still has a pending balance of {$6000.00} from XXXX XXXX XXXX Co. I would like to pay the full balance, but I am having a difficulty locating XXXX XXXX XXXX Co so I can resolve the payment balance. Please help me find proper contact information to XXXX XXXX XXXX Co.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 drawn out that you are not hindering records 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 lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1700.00}

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 explanation
Consumer complaint received 2023-04-26
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:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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
Consumer complaint received 2017-07-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I reported multiple errors on my credit report including XXXX XXXX XXXX for {$5600.00} and XXXX XXXX XXXX for {$2500.00} The first dispute was done on XX/XX/XXXX and a second XX/XX/XXXX ... Both of which are still under investigation with Equafax with no response and no follow up. Please help It is far past the 30 day creditor response deadline and this information is not correct. This error in question is preventing me from being able to get another home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed my credit report since XX/XX/2023 I should have a better credit score than 500. No late payments should even show up on my credit report according to 15 USC 1681a ( 2 ) ( b ). Also with the new law that Congress just passed no medical bills should be listed either. I NOW HAVE THE RIGHT TO FILE A LAW SUIT SO CAN YOU PLEASE POLICE UP YOUR BREAUS BECAUSE ITS TOO EASY TO FOLLOE THE LAW YALL EXPECT XXXX PPL TO FOLLOW THE LAW BUT EVERYONE GETS EXCUSES AND PATS ON THE BACK! MY CREDIT REPORT SHOULD BE REFLECTIVE IT ONLY TAKES 30 DAYS! I have my auto loan showing up as negative when the insurance paid it off. When people dont follow the laws it leaves consumers unable to actual live!

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX and XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : 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 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am XXXX XXXX. 

In XX/XX/2021, my credit card account with Capital One was closed without prior warning or to my knowledge. 
( Capital One, Attn : Payment Processing, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ) They said it was because of 3 returned payments but they'd taken me off of electronic communication so I had no idea what was going on. The card was secured so it was paid off but they refuse to reopen it unless I reapply. It is negatively effecting my credit report and I I deserve to be treated better than that after a 5 year relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-09-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/21 I received a letter from my insurance co, that my policy had lapsed for non payment.I immediately called my mortgage co Select Portfolio Servicing, bc my escrow covers my mortgage .I spoke with manager XXXX XXXX XXXX he told me he fix the issue, as the mortgage had been transferred to SPS in XXXX of XXXX never received a welcome letter or any correspondence that my loan had been transferred, only bc I called my previous servicer Shellpoint Mortgage, which also paid my insurance from my escrow acct, regarding Covid, was i made aware of the changes.The new servicer apparently hadnt realized the ball had been dropped concerning my escrows.Mr XXXX XXXX assured me this matter was resolved.1 week later I called back, to double check behind Mr XXXX, bc my spirit didnt rest with his explanations, only to find out, everything he said was a lie, and nothing had been done.I tried to get things moving, bc a storm was brewing in the Gulf, and heading to La.Unfortunately the matter was not taken care of promptly, and my home suffered significant damage, and Im displaced but my insurance co, denied coverage , as they never received payment.My insurance was included in my note, my mortgage co.collected my payments, and never paid my insurance, although theres an escrow acct for that purpose.They have stolen my money.This co has paid millions in fines for deceptive practices and they continue to deceive and fraud the public.Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: PENNYMAC LOAN SERVICES, LLC.
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: Public record information inaccurate

Complaint:
The mortgage company is reporting forclosure on my account in XXXX of XXXX and the house was sold and paid off in XXXX of XXXX. There was no forclosure on my property they tried to do a forclosure fraud in the home. They held up paperwork twice for two buyers so that we would go into forcloser. In XXXX i spoke with several employees from pennyman and i was told the forclosure was a mistake amd it would be taken off, so XXXX my wife and i go to start looking to buy a house and the forcloser appeared again on my credit report so i got back intouch with then amd was told again they would take it off amd did not. so i reached out to XXXX  amd was told to have them send a email stating that so i did amd was told that a fullfillment department would reach out to me to take care of the issue, come to find out there is no such thing as this department. so now im still battling with pennymac to have this removed this had caused alot of problems and issues with myself and my family as we are trying to purchase a new forever home. so my last step is to contact the consumer finance to help solve this problem and get this removed off my credit report thanks. again i was lied to for over 3 years now back amd forth from a major mortgage company which i read up on the XXXX  and there ratings are not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my consumer reports and I notice that XXXX XXXX Formerly XXXX is reporting inaccurate information on my report. Acccording to 15 USC 1692 this is a violation. Several violations are being violated which are 15 US 1692 ( a ) ( B ) ( C ) ( D ) ( E ), I have attached a copy of my FTC report and my License/ssc.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$360000.00}.

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 explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently disputed a chapter XXXX bankruptcy filing that is on my credit report. The Public record was included in my FTC identity theft report. Transunion is stating that the bankruptcy is verified as correct. This could not be true. There are NO other tradelines on my file that are included in a bankruptcy. There are NO addresses associated with a chapter XXXX filing on my credit report. Lastly, XXXX Bankruptcy DO NOT verify to credit reporting agencies.

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 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion LLC has violated the Fair Credit Reporting Act. They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit inquires that i did not authorize, and that i do not recognize. I have sent them letters. They have signed and returned that the certified mail has been received with no response months later. I would like immediate deletions for this wrongfully credit inquires that have been put on my credit report without any authorization. I have already written letters to the companies involving this matter as well and they told me to deal with the credit breau, and TransUnion as not taken action to report to me the consumer in the time frame as agreed according to the FCRA. 
The inquires include 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 explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
A computer glitch that was transunion problem caused my inquiries to be deleted. Transunion later added them all back to my credit report without giving me legally required 5 day notice prior to re adding them. I contacted Transunion several times in good faith asking them to remove the inquires they illegally re-added. These inquires add a hardship and my rights were violated by Transunion

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 2021-12-08
Company: CORELOGIC INC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am requesting all information regarding XXXX XXXX XXXX XXXX XXXX, GA XXXX.As stated in my previous communication, my spouse filed personal bankruptcy in XX/XX/XXXX XXXX in the XXXXXXXX XXXX XXXX XXXX My spouse is currently in XXXX as a form of Retaliation. After we discovered the excessive Mortgage Fraud on our personal properties the court ensured we lost of properties knowing we NEVER received a loan. Our ID was stolen and our information was utilized to obtain loans for others. We were require to pay HOA dues, Taxes and Insurances. The ring of individuals were basically stilling from us for years and the XXXX added to the theft. The purpose of my spouse filing Bankruptcy was to obtain assistance with the investigation of fraud. The presiding XXXX denied the request several times in order to take possession of the properties for her colleagues. CoreLogic was located to pay the taxes on the home without notifying us, As a matter of fact we traveled to the court to pay the taxes on the homes but, we were sabotaged and the taxes were paid in order for us to not pay them. In other words a third party stole our homes. We are requesting all communication sent to CORELOGIC by the entity who basically sold our property to them via paying of taxes and the amount the entity was paid to obtain possession of the home. The mortgage we thought was our mortgage included both taxes and insurance which came from the Escrow account. Taxes were paid in XXXX. XXXX, XXXX and XXXX while the properties were under automatic stay. WE WERE NEVER NOTIFIED of any tax payments, The name of the individual who contacted CORELOGIC name to be provided. This is totally criminal and illegal. THE XXXX Trustee is definitely involved.

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 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Inquiries were removed due to disputing them and then put back on my report without my knowledge.

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 2021-12-08
Company: Evergreen Financial Services Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had my daughter on XX/XX/XXXX and at the time she was covered by not only my work insurance ( XXXX ) but was also covered under apple health and XXXX XXXX XXXX 
i began getting garnished in XXXX of XXXX when I started my new job for what i had thought to be my car that i sold back to the bank. I didn't look further into this until a year and a half had passed and i kept getting new letters saying I was being garnished. being a single mom working XXXX  plus hours a week it was hard for me to stop my day and look into this as promptly as I should have after finally finding the time to do so i realized that i was being garnished for my daughter 's medical bills. i had been for nearly a year and XXXX had been double covered. when i contacted XXXX they gave me the dates my children were covered, i contacted the finance company who held the debt and proceeded with the garnishment and then contacted the hospital. When contacting the hospital after nearly a month of trying to get in touch with the person in charge in the finance department, she told me " Whoops i guess we spelled her name wrong, lucky you got me. i was about to send these last two bills to collections '' and giggled her way through the conversation. i asked her what about the other bills i was wrongfully garnished for and that began my circle everyone keeps sating contact the other. untimely the hospital got my child 's spelling wrong after forgetting to even give her a name to begin with and then over charged me, not sending me any notices, then garnishing me for money that was supposed to be paid by two insurance companies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have received several phone calls in from Convergent regarding a debt that they are n't suppose to be collecting upon. This debt was due to ID Fraud. XX/XX/2015 I sent XXXX a FTC Affidavit and a police report which I have attached to this report. I am not responsible for this debt and I would like convergent to stop trying to collect on it and they have also made an inquiry into my credit report which they had absolutely no authorization to do such.

Company response to consumer: Closed with explanation