BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: Veripro Solutions Inc.
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XXXXPurchased home ( {$62000.00}. ) in XXXX, MO, using VA Loan Guaranty benefit. 
Subsequently, income & credit rating declined as credit card debt mounted.. 
XXXX XXXX XXXX home loan ( {$63000.00}. ) with XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX Fraudulently induced me to 1 ) apply for {$40000.00}, to work like a bill consolidation loan for unsecured credit card. debts, based on my equity in home -- ( appraised value {$100000.00}. ) -- & formalized by Deed of Trust. 
XXXX Using cheap local lawyer, obtained XXXX  XXXX Bkrptcy, including discharge of both 1st & 2nd Mtgs. Continued occupying home & making mtge payments. 
Subsequently I launched ( pro se ) campaigns to get both lien-based debts " modified ''. In XXXX  secured a realistic income -- based modification of 1st Mtge ( XXXX ), with which I am 100 % complying.. 
Successsor of 2nd Mtge acknowledges debt cancellation, while adamantly refusing to file Lien Release. Home Hostage / extortion situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Reporting company used your report improperly

Complaint:
AFFIDAVIT OF TRUTH Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator and holder. 

TransUnion is reporting the following items on my consumer credit report without my permission which is, in fact, a violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY.

1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX XXXXXXXX XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX # XXXX 7 ) XXXX # XXXX 8 ) XXXX # XXXX 9 ) XXXX XXXX XXXX XXXXXXXX # XXXX 10 ) XXXX XXXX XXXX XXXX # XXXX DEMAND FOR REMEDY of {$10000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 

TransUnion is reporting my name incorrectly as XXXX XXXX XXXX and XXXX XXXX XXXX which are, in fact, incorrect and in violation of my FCRA consumer rights pursuant to 15 USC 1681 ( b ) and I DEMAND ITEMS BE DELETED IMMEDIATELY.

DEMAND FOR REMEDY OF {$2000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 
TransUnion furnished a copy of my consumer credit report to following parities without my permission which is, in fact, in violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEMAND FOR REMEDY OF {$28000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 

Requested information on my consumer file each time an investigation was concluded and have yet to receive requested information which is, in fact, a violation of 15 USC 1681g ( a ) ( 1 ).

DEMAND FOR REMEDY OF {$12000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 
TransUnion willful noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681n and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

TransUnion negligent noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681o and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Statements Made under Penalty of Perjury Must be answered By Counter-Affidavit with Affiant having Personal knowledge of the Facts therein with Documentary Evidence

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 2020-10-27
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They are discriminatintg based off national origin. The fact of someone working out of country mostly as a XXXX XXXX. The taxes were filed under being an XXXX XXXX and they said that it doesn't prove a full year of work history since I have not resided in the United States for that full year. Even though income that was earned out of country was included in the income tax return they still will not accept income tax return as evidence of working independently for the full year. They only are accepting about 6 months out of the year when the XXXX  was granted. In my country if you earn under a certain amount you are not required to file taxes. Earned under that amount so I did not have to file taxes in my country. I only had to file taxes in the United States. This should be acceptable I did exactly what I was supposed to. They also will not allow me the opportunity to amend my tax return to specifically say what income was earned out of the country. They say that that would be changing the tax return to get approved for a loan. Even though it's not it will be changing a tax return because you noticed something was possibly wrong. They are forcing me to wait until it has been a full two-year. Or they are forcing me to get documentation from a third-party out of country that does not exist. I told them I was working XXXX  and I file my taxes working XXXX and they will not accept that. I also have bank statements and XXXX XXXX to prove some of the payments that I receive. And they will not accept that they want something from an employer and there is no employer if you're working as an XXXX XXXX. They said the documentation has to be from a third-party. I do not feel like this is fair I feel like I'm being discriminated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX I sent XXXX certified mail to XXXX XXXX XXXX and XXXX XXXX XXXX with a validation letters, requesting information on the alleged debt that is being reported on Experian. On XX/XX/XXXX, I received an email from Experian stating that the validation is complete. I find that Experian is not reporting accurate information on my credit report due to the fact that I'm still waiting on XXXX XXXX XXXX and XXXX XXXX XXXX, validation letter, and what I specifically requested from them both. I know I have to wait 30 days for a letter from the XXXX collection agencies in question. I don't know how Experian got ahead of them and is reporting something that is currently still under investigation by the collection agencies. When I have reach out to Experian multiple times about the XXXX collections. Experian is not reporting accurate information and this company is getting away with it. I have included proof of the letters and certified mail and the dates they received. I have not yet received what I have requested from XXXX XXXX XXXX and XXXX XXXX XXXX. Why is Experian reporting this on my credit report? I am requesting for it to be deleted.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX of 2022 I applied for a chase freedom student credit card and was denied. I requested for the company to review the decision and the application and was still denied. I, the consumer and natural person made the application in good faith, but credit was not applied. On XX/XX/XXXX I received an adverse action letter stating the reasons for denial. The reasons stated for denial were based off of inaccurate information that was reported on my consumer report and has been deleted and removed. On XX/XX/XXXX I sent a response to the adverse action letter to the companies headquarters stating the violations of federal law that has been committed against me, the consumer. I followed up with a CFPB complaint to ensure this matter gets handled with maxim efficiency and urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT.

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 2022-08-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Celebrity Financial, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a loan with Celebrity Home Loans ( phone XXXX ) on XX/XX/2021 for the loan amount of {$350000.00}. We made a {$80000.00} principal payment on XX/XX/2021 leaving the balance of {$270000.00} after also making a normal monthly payment of {$1700.00} on XX/XX/2021. 

On XX/XX/2021 our loan was sold from Celebrity Home Loans to XXXX XXXX Mortgage XXXX phone XXXX ) at a principal balance of {$350000.00}. 

I contacted XXXX about our principal balance being wrong and they said contact Celebrity Home Loans. I did this and they said it can take 60 days to transfer everything. 

Our loan was then sold again to XXXX XXXX XXXX XXXX phone XXXX ) for {$340000.00} and now has a current principal balance of {$340000.00} after receiving a payment XX/XX/2021 for {$1700.00}. 

I contacted XXXX about our principal balance being wrong and they said contact XXXX XXXX XXXX. I did this XXXX they said contact Celebrity Home Loans. 

I contacted Celebrity XXXX XXXX today XX/XX/2021 now over 60 days from being sold to XXXX XXXX XXXX  XXXX they show the principal balance as {$0.00} and have no ability to show me the details of the loan sold to XXXX XXXX XXXX  and Celebrity says it should be ok. 

In this time our principal has been transferred wrong and we are paying an improperly amortized payment due to the interest we saved with our large principal payment and also are losing on paying PMI which would have been able to be removed after we reached 20 % equity.

Help please. Do we need to get an attorney. Im able to make another large payment and dont want to have this messed up again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Bay Shore Finance, Inc.
State: MS
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:
I HAVE BEEN TRYING TO GET THIS ACCOUNT RESOLVED SINCE XX/XX/2019. I HAVE INCLUDED A COUPLE OF THE LETTERS HERE TO SHOW YOU JUST HOW HARD I HAVE TIRED TO GET THIS ACCOUNT CORRECTED. THIS COMPANY EVEN THREATENED ME I HAVE INCLUDED THE LETTER HEAD HERE. THEY DID NOT ONCE COMPLETE VALIDATION FOR ME IF THEY WOULD HAVE PREFORMED A PROPER INVESTIGATION THIS ACCOUNT WOULD NOT STILL BE REPORTING AS OPENED. THIS COMPANY WAS ALSO HOLDING THE MONEY ORDERS THAT I WAS PLACING IN THE DROPBOX AND NOT PUTTING THEM TOWRDS MY PAYMENT SO THAT THEY COULD REPO MY TRUCK. THEY ALSO DAMAGED MY VEHICLE. PLEASE REVIEW ALL DOCUMENTATION AND LETTERS WELL. I WILL ALSO BE FORWARDING THIS INFORMATION TO A LAWYER AS BAYSHORE FINANCE AND XXXX  HAVE BEEN CAUSING ME AGUISH FOR THE LAST 2 YEARS. THEY HAVE CAUSED ME TO GET DENIED FOR THINGS THAT I WOULD HAVE GOT APPROVED FOR IF THIS ACCOUNT WAS NOT REPORTING INCORRECTLY. VERY UNOPROFESSIONAL I DID A BAD REVIEW FOR THIS COMPANY AND THEY ACTUALLY TIRED TO EMBRASS ME PUBLICLY ON XXXX TELLING PEOPLE I AM ALWAYS TRYING TO GET MY CREDIT FIXED. 

THIS COMPANY CLAIMED THEY SENT ME 3 RESPONSES AND I DID NOT RECEIVE THEM I ONLY RECEIVED THE ONE I HAVE. DO THEY HAVE PROOF THAT THEY ANSWERED MY REQUEST. I HAVE MY CERTIFIED MAIL SLIPS THAT SHOWS WHEN I CONTACTED AS WELL AS MY LETTERS. THIS UNPROFESSIONAL COMPANY SHOULD BE MADE TO FOLLOW THE LAW AND REMOVE THIS INACCURATE ACCOUNT FROM 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 2020-10-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to Account Resolution Services asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising Account Resolution services that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX Account Resolution Services received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from Account Resolution Services.

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 2023-06-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
IN XX/XX/2023 I OPENED AND GOT APPROVED FOR A CREDIT CARD WITH XXXX XXXX XXXX  AND THE CREDIT CARD FROM SYNCHRONY BANK CREDIT CARD. SINCE I HAVE NOT RECEIVED THE PHYSICAL CREDIT CARD OVER THE MAIL, I CONTACTED THE CUSTOMER SERVICE DEPARTMENT AT SYNCHRONY BANK, I EXPLAINED THE SITUATION AND THEY TOLD ME THEY WERE GOING TO SEND A NEW CARD, BUT I NEEDED TO ANSWER SOME QUESTIONS. I AGREED, AND THEY STARTED ASKING THE QUESTIONS AS IF I HAD LOST OR IF THE CARD WAS STOLEN, THEY ALSO ASKED IF MY WALLET AND GOV ID WAS STOLEN OR LOST. I EXPLAINED TO THE LADY THAT I HAD NOT RECEIVED THE CARD OVER THE MAIL, AND THAT IT HAD NOT BEEN STOLEN. THAT THOSE QUESTIONS WEREN'T RELEVANT TO MY CASE. SO I ASKED TO SPEAK TO A SUPERVISOR, THE SUPERVISOR BASICALLY TOLD ME THAT IF I WOULD NOT ANSWER THOSE QUESTIONS, I WOULD NOT GET THE CARD. THEY MADE ME WAIT OVER AN 30 MIN AND THEN THE CALL GOT DISCONNECTED. MY CONCER IS THAT I WAS APPROVED FOR A CREDIT CARD IN THE AMOUNT OF {$12000.00} AND NOW I DONT HAVE A PHYSICAL CARD.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: DE
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:
So I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights

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 2021-09-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Institution displays available balance for Home Equity Line product instead of principal due which is incorrect amount when displayed in budget apps such as XXXX or XXXX.

Company response to consumer: Closed with explanation