BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX claims that we missed 2 back to back car payments. We have bank statements proving the money was taken out of our account by the due date. They claimed it had been reversed but no where in our statement was the money returned. They claim that in their system we only missed the month of XXXX. 4 different months were reported on 3 different credit reports as being late payments. Our car payment is {$340.00} a month, sometimes we are charged that, sometimes we are charged {$100.00} more. The first time I called to get this resolved the woman stated that they had a glitch in their system and our payment was now late for XXXX. We set up auto withdraw payments 3 times and they had been working. She was very rude and refused to let me speak to someone higher. She said she would investigate the issue. My husband made me an authorized user as well. That was Friday, today is Monday. I just called and the woman that answered said that the entire system was down and she couldnt access any accounts, she said to try again in 2 hours. I called back 10 minutes later and tried to speak with another woman who said I wasnt an authorized user on the account ( she had no issue accessing the account ). Next, we tried to log into our online account and they have it locked. Not only are they charging us sometimes {$100.00} extra a month, but they are falsely reporting to the credit bureaus. We are trying to buy a house and no one will approve a loan with 2 back to back missed car payments.

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 2018-08-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I initiated a {$2300.00} transfer from my XXXX checking account to my HSBC checking account. On XX/XX/XXXX, unbeknownst to me, HSBC unilaterally closed all of my accounts. XXXX attempted a reversal of the {$2300.00} on XXXX, which HSBC rejected. The money was never sent to me by HSBC nor was it credited back to my XXXX account. It is now XXXX. They are telling me that they do not have my money - tough luck. XXXX tells me they have the evidence that the money was not sent back. HSBC is being very wishy-washy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inquiry XXXX in XX/XX/2019. 

I did not authorize this inquiry. Reached out to XXXX XXXX, they said they would notify the TransUnion. However it still shows

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 2021-04-06
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:
There are multiple accounts on my credit report that are not mine I dont know how they appeared on my credit report and why they are still there since XX/XX/XXXX and the bureaus are not responding back or answering back to me. I need these off my creit report. 

XXXX XXXX - Acct # XXXX Amt $ - XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$9700.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} INQUIRIES XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/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 2023-12-16
Company: EQUIFAX, INC.
State: IN
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:
PLEASE UPDATE MY PERSONAL INFORMATION I ATTACH THE DOCUMENTS NEEDED, AND BEGGING YOU TO UPDATE IT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a mortgage loan from XXXX, that was reaffirmed years ago and is being paid as agreed for many years now with no lates, however Experian reported that it was not reaffirmed and was not being paid as agreed ( they reported no pmts in over seven years ) which is not true, so I disputed the account with Experian. The problem is that Experian corrected the dispute by completely deleting the account from my file, instead of posting the correct paid as agreed! It damages my credit to not show satisfactory accounts! Unfortunately on Experian web site there is no way to dispute an account that has been deleted, and there is no way to add satisfactory accounts either! I believe it is on purpose that they make it hard for consumers to add satisfactory accounts, as it would be simple for a consumer to enter the account name and number to their form ( so the credit reporting company can confirm it ) if only they had a place to do it, which they knowingly dont. Since our credit reports are so important, and impact our financial lives so much, consumers should have a simple process to correct untrue, fraudulent, erroneous and or missing information on our credit reports!

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 2021-08-12
Company: Fairway Independent Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX We entered a 60 day escrow ( closing date to be XX/XX/XXXX ) XX/XX/XXXX Completed mortgage application ( jumbo loan ) XX/XX/XXXX Loan Officer Income review completed & contract received XX/XX/XXXX First round of documents requested and uploaded ( in between lots of emails received requesting documents and over 100 documents uploaded ) XXXX Received email " Final items for clear to close '' ( in between MULTIPLE emails requesting MORE documents than the " final items '' originally listed ) XXXX ( final business day before supposed to close ) ; more documents requested and notified that " investor '' requiring an additional $ XXXX in cash reserves, but can't take it out of our business account. " We are XXXX short. can this be gifted to you by a relative? " ; We advised we would sell $ XXXX in stock and asked to run bonuses through company to appease the investor. We were instructed to do it - because of the $ transfer process, we advised that this would take us an additional 3 days past closing date. 
XX/XX/XXXX - 60 DAY CLOSING DATE ( comes and goes ) XX/XX/XXXX we were advised that investor " did not accept '' our reserves and was declining our loan. They advised that they had another investor they could go to, but would need until XX/XX/XXXX to close. 

We contacted our bank and the loan closed in 6 business days. We do not need resolution from Fairway. We have bought and sold many properties involving jumbo loans and believe that this company is not experienced enough in jumbo loans to properly service them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16
Company: Experian Information Solutions 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:
Re : Acct # XXXX According to XXXX and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and XXXX on numerous letters ( Please see attached letters and their responses from XXXX  ) have FAILED to honor my request. 

I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to XXXX any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, XXXX has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by XXXX  and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

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: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Not only have I tried multiple times to reach out to XXXX XXXX XXXX and Experian, I Have summited multiple disputes to get the account XXXX XXXX XXXX account number XXXX removed from my credit report due to the fact that it states that its a auto loan with incorrect or not showing information on the balance or the amount but the biggest issues is its not mine! As show with the social security number attached to the account! This has hurt me in so many ways not only has it prevented me from getting a new car it has destroyed my credit score. 
This account is one of the multiple accounts that are not mine that are showing on my credit report with incorrect information. Account Number XXXX with XXXX XXXX XXXX and Account number XXXX with XXXX XXXX as well as account number XXXX with XXXX XXXX XXXX are all prime example of accounts that are not only displaying correct information as show in address id # XXXX, address id # XXXX, and address id # 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 2023-04-26
Company: Experian Information Solutions Inc.
State: TN
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:
my rights have been violated by XXXX, XXXX, and Experian on XX/XX/2023 I submitted my Victim Determination Letter along with the rule attached to it along with the list of adverse items to be blocked in 4 days. I received a response that has nothing to do with what i submitted to them and that same adverse information is still parked on my credit without my permission. List of violations are adverse information not being blocked 4 days per the final rule on victims of a severe form of XXXX  XXXX, debt parked on my report to coerce payment from me, not in agreement with their membership contract to uphold state and federal law.

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 2021-04-06
Company: Gravamen Asset Management Group LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A family member received a call asking for me, but by my maiden name that I no longer use. My family asked who they were speaking with, but they would not identify themselves. They only provided a phone number with a docket number to call back. When I received the message I called the number and was transferred to a civil litigation department and spoke to someone named XXXX XXXX. He informed me that I had litigation again for a debt from XXXX Bank. I informed him that the information he had was not valid and he proceeded to tell me I was lying. He told me that he was going to sue me, garnish my wages, and take my tax return and stimulus check from me. I told him he was threatening me and it was illegal. He then told me he didn't need to talk to me anymore and hung up the phone. I called back and spoke with his supervisor XXXX XXXX who told me that he would speak to him and apologized for his behavior. I called back again to confirm the company name, and the person who picked up the phone refused to provide the company name and hung up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
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:
SPS took over my mortgage as of XX/XX/XXXX. I received my first statement in XX/XX/XXXX. I noticed it had a caption regarding bankruptcy. I called and they stated it was because I had a bankruptcy associated with my social security number. But that I am in good standings with them. I started a re-finance thru another company and when it came time to view my payment history, they stated there was none on my credit bureau since XXXX XXXX was paid in full. I called SPS back XX/XX/XXXX and they stated that my home was discharged in bankruptcy and by law they could not report to credit bureau. I told them no, my bankruptcy was discharged in XXXX and I assumed the mortgage in XXXX. I was advised to upload the documents and I was not allowed to speak to the bankruptcy department until I did. XX/XX/XXXX I uploaded all requested documents to their website. XX/XX/XXXX Spoke with XXXX XXXX @ SPS he stated no changes. XX/XX/XXXX spoke with XXXX and requested a supervisor. XX/XX/XXXX Spoke with supervisor XXXX XXXX and she stated she would escalate the review, it would be taken care of 14 business days versus the 30 days. XX/XX/XXXX Spoke with XXXX XXXX she stated no way to expedite. XX/XX/XXXX spoke with XXXX XXXX and again got no where so I asked for a supervisor again. I was transferred to XXXX XXXX he stated should have an answer by Friday XX/XX/XXXX. Called XX/XX/XXXX spoke with XXXX XXXX with no updates. XX/XX/XXXX Spoke with customer service rep and requested a supervisor, they stated all of them were busy and they would call me by end of business day. XX/XX/XXXX No call from supervisor, called and XXXX XXXX answered ; I again requested a supervisor. I was transferred to XXXX XXXX She stated their bankruptcy department agreed with my documentation and that advocacy department now has the file for the credit updates. It is now XX/XX/XXXX after the 30 day review with nothing updated or corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had some health and financial setbacks in the last 2 years. I have been trying to get a loan modification from Ditech for over a year and a half. However here in the last month they have agreed to give me the Flex Modification which lowers my payment by {$200.00}. I tried to negotiate a lower interest rate but was refused. Currently I have 18 years till the loan is paid with a 4.37 rant. The mod offered will keep my current rate but extends the terms to 40 years. I really could not understand the 40 year extension and really don't want to sign to the extension. Also in the modification documents there's a clause that states I have to get written consent from the mortgager to sell my house, I wanted to know why such a clause was stated in the verbiage. If I should sign this modification, I don't want this clause to interfere with me refinancing in a year. I have talked to Ditech representatives which says I can refi at any time but will not state this in written in the documents. Ditech will not remove the clause stating I have to get written consent prior to selling my house. 
Also Ditech sent me letters that state they loan is being transferred. I have receive welcoming info from the suppose to be new servicer. Then Ditech called me to say the loan is not being transferred. I really don't who to believe considering all the bad reviews listed about Ditech. Ditech has filled bankruptcy twice in the last 2 years. Where do this put me and my loan perspective.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
The credit bureau report a late payment on my credit to all bureaus on XX/XX/22. I have dispute multiple times and the credit bureau refuse to remove this late payment. but I did Make my payment on time I have my statement as proof that my payment was made, the credit bureaus refuse to remove my late payment and this is violation the credit law.

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