BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I send my package for a modification under the program " Keep your Home California '' I initially paid someone to help me with the process since I didn't understand the paper work, but that person bailed out and took my money and disappeared. After multiple attemps I was able to modify my mortgage. Everything was perfect for 10 years until now. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX. their phone number is XXXX stating that my home was in foreclosure. Apperanty during my modification OneWest Bank and their Title affiliates were not transparent in a second mortgage that I had with XXXX XXXX. XXXX XXXX did my home loan in XX/XX/XXXX they gave a first and a second loan. XXXX XXXX sold the loan to INDYMAC and then INDYMAC sold to One west. I went to One West for my loan modification on XX/XX/XXXX Indymac Loan number XXXX and Investor Loan number XXXX. One West and their title affiliates did the modification without clearing a Second mortgage that had disapeared for years. I mean disapear because they did not contact me via mail, email, Phone calls or text. The only communication i received was the letter dated XX/XX/XXXX with a foreclosure document attached. 
I was just informed the 2nd loan of {$49000.00} was never included in the modification and as a result I have received a notice of default on XX/XX/XXXX. 
However, In the pass 10 years I never received any notices by mail or collection calls that had anything to do with the 2nd loan being defaulted. 

When I purchased and refinanced my home I had no Idea what a preditory loan was until my mortgage began to fluctuate. This was when I was forced to modify and I thought that I was under protection with my first loan and my second mortgage. Now I learn that the second mortgage went dormant possibly to wait for equity on my home and come back as another predatory lender seeking to take my home away thru foreclosure. Again XXXX XXXX XXXX did not contact me at all for 10 years I dont even know who they were until now. 

I do not want to loose my home I want this to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: U.S. BANCORP
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/19 at XXXX XXXX  I received a call from a company claiming to represent XXXX XXXX XXXX   credit card collections. 
After I had told her I had a lawyer and was filing bankruptcy she began to ask more questions, I told her my lawyer would handle it, and she still kept asking questions so I just hung up. 
But They called before XXXX on a Sunday, and from what I understand that its against the law to be called before XXXX or after XXXX on a Sunday. 
Call was received from the following number +1 ( XXXX ) XXXX This is after I have been called repeatedly throughout the weekdays days for this specific debt over and over multiple times a day. 
And now its even happening on sundays outside of hours.

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 2023-11-23
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a XXXX letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly. 
I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: LJ Ross Associates
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:
LJ ROSS AND ASSOCIATES are reporting a fraudulent account on my credit. This account was not opened nor used by me. I am requesting ther removal of this accounts from my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
SEE ATTACHED DOCUMENTS In accordance with the Fair Credit Reporting act XXXX XXXX XXXXt # 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

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 2023-10-16
Company: EQUIFAX, 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:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21
Company: EQUIFAX, INC.
State: MA
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:
On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No.  XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with Equifax, XXXX, and XXXX, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and TranUnion, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.

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 2023-11-08
Company: EQUIFAX, INC.
State: NY
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am inquiring about my bankruptcy and my student loan debt. Back when I filed bankruptcy, I was told by the bankruptcy attorneys that student loans were not allowed to be put in your bankruptcy. I have had the same amount of student loan debt for over XXXX years. I have made payments for the full XXXX years and my balance has never gone down. Why wasn't this put into my bankruptcy? Was my attorneys at fault?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: WA
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:
This company reported to the credit bureau a 30 day late payment when there has never been a 30 day late payment. In addition, they said I had a late payment this month. They never attempted to debit the payment, instead they deposited the payment amount into my account. After 3 hours on the phone and several transfers, being hung up on, etc. they still could not solve the problem. One of the most corrupt and incompetent companies I've ever interacted with.

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 2022-10-06
Company: ALLY FINANCIAL INC.
State: NV
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:
i have received multiples inquiries from companies i did not consent torun credit i do not have any accounts nor applied for any of these accounts that's showing on my credit report on my credit report, this is fraudulent activities with out my consent.

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 2021-02-11
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 they called my young Daughters phone about my debt. I promptly told them to call me onmy cell phone. I called them back from my number and I promptly told them do not call my daughters phone again. They assured me that they had removed her number from their records. They also told me they would file a lawsuit against me and could Garnish my wages. Well the very next day they called my daughters phone again and left a message for me to call them. Even after assuring me the previous day that they had removed her number from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: OH
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
MY INFORMATION WAS USED WITHOUT MY CONSENT. I FILED FTC REOPRT AND CONTACTED COMPANIES NOBODY IS HELPING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/19 at XXXX XXXX I received a call from a company claiming to represent XXXX XXXXXXXX XXXX   credit card collections. 
After I had told her I had a lawyer and was filing bankruptcy she began to ask more questions, I told her my lawyer would handle it, and she still kept asking questions so I just hung up. 
But They called before XXXX on a Sunday, and from what I understand that its against the law to be called before XXXX or after XXXX on a Sunday. 
Call was received from the following number +XXXX  ( XXXX ) XXXX This is after I have been called repeatedly throughout the weekdays days for this specific debt over and over multiple times a day. 
And now its even happening on sundays outside of hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2919 a fraudulent application was submitted for a XXXX-XXXX XXXX XXXX credit card. I was notified via my fraud protection services and I immediately notified XXXX and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019.

Initially when contacting the XXXX Fraud Team in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days.

On XX/XX/2019 I made a 2nd call to the XXXX Fraud Team, and I was informed it would be removed in an additional 45-days.

On XX/XX/XXXX I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days.

On XX/XX/2019 I again called XXXX and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail.

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.

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 2018-05-19
Company: CITIBANK, N.A.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I filed complaint XXXX about CITI BANK and it was responded. Response, however, does not include the correct/complete information in order to pay my balance. The funds I wired according to the information given by Citi were returned. 

I need to know the exact and complete details of the wiring instructions in order to pay the loan. 

I need : Swift, Name of beneficiary bank, ABA number, Account number, Address, City. 
Also, I need the balance in order to repay the loan in full. 

I have called several times and left my telephone number and e-mail. No one responds in the phone numbers given by City ; I have not received any response.

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 2022-03-30
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:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO XXXX5 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF XXXX. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT

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 2021-04-12
Company: EQUIFAX, 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:
Hi this is XXXX XXXX, I have sent several letters to the bureaus and have not received a response yet. I got my credit report and seen incorrectly and unknown items on my credit report. It has been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX with XXXX XXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent hard inquiries on my credit report that I did not authorize. I have already contacted the companies and the credit bureaus. 
XX/XX/2021XXXX 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 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 XXXXXX/XX/XXXX, Equifax Mortgage Services XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation