BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXXXXXX XXXX  is reporting erroneous and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/2022 with Cease and Desist Letter and has yet to respond. XXXX is reporting false and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/XXXX, with Cease and Desist Letter and has yet to respond. In accordance with the Fair Credit Reporting Act, these companies are violating my rights : 15 USC 1681 602A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish account without written authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MA
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:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: 21ST MORTGAGE CORP.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were struggling to keep our mortgage payments current and constantly trying to contact 21st mortgage to set up a different payment plan or just to work something out. They would say they were sending forms for us to complete but never received any. Would try calling but there XXXX number was a non working #. Kept sending emails and no response. Would attempt to make online payments however since it was late the online system locked me out. So was unable to make payments. Received a hand delivered letter stating we were going into foreclosure. That letter had another XXXX to call which I did. Spoke to a rude male and he stated the he would call me back with a total amount due. Never called. Kept calling and was told he would call me back. Today I spoke with another rep and she stated that they were instructed not to call me. This has been going on for months. They are now saying that I owe attorney fees because it hasnt been paid. How can I pay when they wont tell me what I owe? How can I pay when they wont take my payments? Why should I pay attorney fees? 
Bottom line is 21st mortgage is impossible to work with or even communicate with. As a business owner myself I couldnt imagine refusing to take a payment from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
After reviewing my credit report i found out that i have a big dept from a student loan under my name which as given in XX/XX/2019 for a total amount of {$30000.00}. 

I am requesting for this information to be removed from my credit report as soon as possible because it is affecting me. I have never recieved a student loan. This is a result of identity theft and i need this to be taken of my credit. 

Please block and delete any information on my credit report, persuant to section 605B of the fair credit report act, and send the requiered notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To SYNCB/CARECR XXXX. XXXX XXXX XXXX, FL XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for XXXX a high credit of XXXX and XXXX  high credit as XXXX, and XXXX  as deleted. First, you can not report different credit limit amount between credit bureaus. Second, you can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact with my signature, stating you have the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with my signature and please do not reply with a copy of an driver license, copies of credit card statements, or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, original company must have an original contract on file bearing the signature and can not use third party information to collect a debt. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. In addition, XXXX  have already deleted this account from my report as it was found inaccurate. 

Delete this account from my credit report immediately, or I will seek legal action.

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 2023-10-17
Company: Financial Business and Consumer Solutions.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I am trying to resolve a problem with a debt agency, for the past 2 months Ive continually and consistently asked the company I owe, the debt collector, and the parent company of the debt agency to get answers but have not gotten any correspondence from anybody. I never received an original bill only that I owed debt. I am stumped and need help, this is not only unfair but unprofessional from all companies involved. Please contact me as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and XXXX, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
During the month of XXXX and XXXX, I worked with the XXXX XXXX - one of my banking institutions and Experian to determine why a key factor ( that had never been listed before ) cause my FICO score to drop 46 points. 

Experian uses FICO Score 9, and XXXX XXXX pulls the report quarterly. My 2019 scores with Experian had been XXXX, XXXX, and then a large dip to XXXX. ( of note, my Fico with XXXX  is XXXX ). Since lenders use FICO scores to assess creditworthiness, I explored with XXXX XXXX, initially the reason for the drop since they provide the data to Experian in order to make the report. Then I spoke with Experian about the listing of a key factor. It has not basis since Experian can not provide nor show where there is an installment loan amount that is similar to the original installment loan amount. Since early 2019, my overall debt have been reduced, particularly the mortgage loan which has been paid down substantiality through a number of extra payments. I have two loans : mortgage being paid off early ; and a line of credit that has not been used. There is NO other loan. 

XXXX XXXX said Experian could address the issue. I requested the branch manager reach out to me in a follow call and XXXX  never followed up on the matter ; Experian said they were not responsible for the key factor statement and that I can not dispute a key factor statement. Some data was entered incorrectly somewhere by someone, and neither party is addressing the matter responsibly. 

The key factor that states why my FICO dropped 46 points is enclosed. This statement is not true. 

2. The proportion of loan balances to loan amounts is too high. FICO Scores weigh the balances of mortgage and non-mortgage installment loans ( such as auto or student loans ) against the original loan amounts shown on a person 's credit report. Your score was impacted because your proportion of installment loan balances to the original loan amounts is too high.

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 2021-02-18
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:
I found inquiries in my credit report, and I do not know what to do. My report showing some wrong data like wrong inquires, fraud inquiries! I am very sad because when company that I want to organize loan with, saw my report they declined because of these inquires but I tried my best to explain them that I do not know these inquires I have never authorized them, however its too late already so my question is for you - Could you please remove information that is not mine? Its damaging my life ... as a result I am not approved! I have never signed with those companies and I never authorized those items. Its identity theft! Please remove these items from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The company offered a promotional zero percent apr balance transfer but never provided information on when the transfer would end. All other banks that I use have this information but they not only do not list it on statements, it is not accessible anywhere. From one month to the next and with zero warning, the APR jumped to 20 percent and I was also charged a late fee because my recurring payment did not cover the minimum payment. I was also not warned that the minimum payment would not be covered by the recurring auto pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23
Company: Associated Credit Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the date of XX/XX/2020 I checked my credit score & noticed six Derogatory Marks from a collection agency Associated Credit Services Inc. Upon inquiring on there website I discovered eight open accounts with various amounts {$2200.00} in total. After further inquiring I was able to find out that this was from a medical bill that had already be paid via my attorney 's at the XXXX XXXX XXXX XXXX XXXX XXXX in a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Paramount Capital Group, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
PARAMOUNT CAPITOL GROUP XXXX XXXX XXXX PAXXXX Acct # XXXX I spoke with XXXX XXXX about my account on ( XX/XX/XXXX ) and I asked her why they were not sending me my states meant since XX/XX/XXXX. She claimed that I filed bankrupt on XX/XX/XXXX and listed there organizations in the bankruptcy case. 
I told her that she should of received a document in XXXX XXXX regarding the release to continue with the loan agreements, further more, I told her that I need all of the statements since conception ( XX/XX/XXXX too XX/XX/XXXX. 
She said she needed to copy of the bankruptcy discharged papers in order to release them. 
I sent them on, by email, on XX/XX/XXXX. I sent her two more emails asking her where are the statements? I have had no response from her or the company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I mailed my dispute letters to the credit bureaus XX/XX/2021. It has been more than 30 days since then no dispute results yet. This is a violation of my rights and these negatives account need to 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 explanation
Consumer complaint received 2021-07-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home XX/XX/XXXX. Opening balance with PennyMac was {$320000.00}. 
We made payments on time up until we went into forbearance. We resumed regular payments for a period of time again, then again went into forbearance. As of XX/XX/XXXX our principal balance was {$320000.00}. XX/XX/XXXX we sold the home. The Payoff to PennyMac came back as {$330000.00}. Not only did we have that payoff, we had a payoff to HUD for {$7800.00} that we were told was paid to PennyMac for the forbearance. In total we paid off {$340000.00} at closing. 
I put in a phone call to PennyMac asking how we owed over {$11000.00} more than what we opened the loan. PennyMacs online payment details were extremely hard to follow, and the customer service agent couldn't even make heads or tails of it. He told me he felt like we should not owe the additional {$7800.00} to HUD and that we were being overcharged at payoff. That being said, he couldn't give me any more guidance other than to contact HUD and talk with the Title company. Needless to say it has brought me to this point. I have had no adequate explanation or documentation from PennyMac as to how we owed so much money at closing. 
This home is now closed, and PennyMac and HUD paid off as we could not close on the home without doing so. I am asking for a review and an explanation and/or reimbursement of overpaid funds to PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: I.C. System, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2014 I was seeing a XXXX in XXXX XXXX, DE for XXXX  XXXX XXXX. After several weeks of treatment the XXXX   sent me to get an XXXX done at XXXX XXXX XXXX  XXXX XXXX in XXXX, DE. The results showed that I had XXXX XXXX at three areas on my XXXX. I continued treatment at the XXXX. I am now on a wellness plan with a different XXXX  4 years later and attend monthly appointments unless there is a flare-up in which case I attend more weekly. 

I was billed {$2000.00} for this XXXX but was not aware that is was on my credit report. I had health insurance at the time with XXXX and since my XXXX  sent me with a referral I do not believe I should have to pay the full amount for the XXXX. 
It is detrimental to my credit report, but I was unaware. I believe since I moved around a lot the bills were not being sent to my correct address and so I did not fight it back in 2014.

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 2021-02-26
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: Account information incorrect

Complaint:
My loan amount due reported was incorrect and I received an 8 month delay on reporting to the credit reporting agencies. The amount due was originally reported XX/XX/XXXX as verified by an agent with XXXX XXXX XXXX XXXX and all payments have been made on time and the account current. Though the amount due was just reported via Equifax on XX/XX/XXXX and caused a XXXX point deduction to my credit report incorrectly. Lastly the amount due showing is incorrect at {$6000.00} when the actual amount is {$5900.00}. Please assist in having this rectified and fix this discrepancy as it's causing me a major financial setback. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists

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