BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: Personal information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2020-11-13
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Around XXXX I received an automated call from Mr. Cooper saying that my escrow account had a shortage of {$380.00} and that my mortgage payment would be going up unless I paid the shortage. I stayed on the phone and was connected to an agent who explained that I had to maintain a balance of {$750.00} at all times in my escrow account and that I would be short at some time during the year. I explained that there was a credit of {$340.00} that should have been applied to my escrow account due to a double payment of a mud tax. He said that there was still a deficit. I hung up and reviewed my online escrow analysis statement and did not see the {$340.00} credit to the escrow. I called back and the agent I spoke to this time told me MR. Cooper has the right to raise my escrow payment because they do not know how much payments out of escrow my increase. I asked her about the {$340.00} and was again told I needed to maintain a balance of {$750.00}. I hung up with this agent. On XXXX I called back and asked to speak to a supervisor in the escrow department and was connected to XXXX XXXX who stated he did not see the {$340.00} credited and was escalating the issue because my XXXX payment was approaching. He asked me to give him until Monday XXXX and he would get back to me. On XXXX I emailed MR. XXXX because I had not heard back and received no response. I called on XX/XX/XXXX and informed the agent XXXX that I wanted a supervisor to call me back on XX/XX/XXXX, XXXX told me her supervisor was off but she should communicate this request to other supervisors XXXX or XXXX. I did not receive a call. I further reviewed the escrow analysis and was able to determine that the escrow credit was applied in XX/XX/XXXX. The issue is on the XXXX analysis they did not give credit for the XXXX escrow payment of {$610.00}. I called on XX/XX/XXXX and spoke with XXXX and explained this to her and she ran a new escrow analysis and this time said the shortage was {$340.00}. I asked her how this was possible, she sent me the new escrow analysis and with this one she added the XX/XX/XXXX escrow payment but removed the XX/XX/XXXX payment that had been on the original escrow analysis of {$570.00}. I asked to be put in touch with a supervisor in the escrow department and was transferred to XXXX an escalation specialist. She was going to submit a request for an escrow analysis to be ran reflecting a payment for each month in the statement, The shortage is caused because I am not being given credit for a month 's payment of escrow which has lowered the projected beginning escrow balance which is reflected as XXXX. My current escrow balance is {$1300.00}. No one has been able to explain to me why the numbers in the escrow analysis are not reflective of the current balance/payments that I can view online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Premier Holdings
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Company called me about an a vehicle I had and was totaled I told them issue was resolved with the insurance they said no that original creditor Had placed the debt collection with them but that I could settle for less amounts and I offered to pay {$1000.00} which I did they sent me a settlement letter and I thought I was done with that one month after I received that I owe XXXX almost {$5000.00} to another collection agent for the same situation And I spoke to them and they said that premier holdings did not forward any information to them or Forward the {$1000.00} to the original creditor so now I have a judgment against me and they have frozen my bank accounts and I have nothing

Company response to consumer: Untimely response
Consumer complaint received 2021-07-15
Company: EQUIFAX, 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Original creditor : 12 XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX DE XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. CROSSCOUNTRY on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Web site is broken. Incapable of generating a free credit report. Gives message : " System Error '' ; " We are experiencing technical difficulties. '' See unresolved complaint XXXX and attachments.

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 2021-07-15
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: Was not notified of investigation status or results

Complaint:
This is my 3rd submitting a dispute request via the CFPB about Experian and XXXX simply because these ( 2 ) bureaus are NOT responding to my disputes ... Please delete this negative debt especially since you all can not even verify it ... By law you have 30 days and its been almost 4 months. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XX/XX/1984 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I XXXX XXXX has been abuse and deceived with the use of unfair debt collection practices, where my right to privacy has been breached. XXXX  XXXX XXXX, XXXX. has cause injuries to me by violating the Fair Debt Collection Practice Act that was set into place to protect the consumer from such abuse. On XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692i ( b ) by filing sue against me the consumer. Pursuant to 15 USC 1692i ( b ) Debt collectors is not authorize to bring forth any legal action against the natural person ; the consumer. XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( 3 ) by using representation of an attorney in connection with the collection of the debt. On XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( a ) ( 1 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at an unusual time and place which known to be inconvenient to me the consumer. Also on XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( a ) ( 3 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at my the consumer place of employment where such communication is so prohibited. XXXX  XXXX XXXX, XXXX. violated 15 USC 1692e ( 13 ) by issuance of documents titled SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE and COMPLAINT FOR DAMAGES are both false representations and implications of legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: STONEGATE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On or about XX/XX/2021, I was to sign my closing documents. Unfortunately, reading the documents with the notary, the numbers that I was given, and the closing costs and my new payment were wrong. 
I was also told that my request for not having my homeowners insurance put in an impound account would be granted. That was the same as my previous mortgage company. I told the notary that I could not sign these documents. As the notary was leaving, she either called or was called by the broker, Modern Mortgage. XXXX XXXX XXXX and XXXX XXXX, representatives of Modern Mortgage, wanted to speak to me. They told me that I had to sign and that everything would be taken care of then. Foolishly, I believed what they told me. A few days later, I called and was told that they were working on everything. I was told someone would get back to me. I called the new mortgage company only to find out that I would have an impound account. I was also told that Modern Mortgage should have been aware of that. After calling Modern Mortgage several more times and being told that XXXX would get back to me with that not happening, I began to look for help. I filed a complaint with the XXXX XXXX XXXX After several attempts to contact Modern Mortgage, the XXXX  stated that they were not responding and nothing could be done. As a XXXX veteran, I trust in people who claimed to be working with the VA, only to be lied to and lose money. This should not be allowed happen to again to anyone.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-15
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPECIALIZED LOAN SERVICING, LLC. misapplied the money I sent to them in XX/XX/2016 for property taxes and insurance. They called me on that XXXX and want me to send the money. I sent two checks to them. one check was for {$7700.00} for taxes, and the second check was for {$1200.00} for insurance. These were exactly what they requested for. 

The following month they forced payment plan on me, and started appropriating my regular monthly mortgage payment to cover the same taxes and insurance. They claimed that my regular monthly mortgage payment of {$1400.00} was not enough for the mortgage, taxes and insurance thereby started charging me LATE payments. I was then reported to THE CREDIT BUREAU for late payments. Since the past two years, I increased my monthly payments to {$2500.00}. 
I have never been late on my payment since they bought my loan, and now they have destroyed 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 explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/2022 I sent a certified letter to the XXXX credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States Bankruptcy court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States Bankruptcy Court that they do NOT report any items to any credit agency and that Credit Agencies use 3rd party vendors to obtain public information. I then received a response from all XXXX credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported.

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 2018-05-10
Company: Risecredit, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : RISE XX/XX/2016 XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: ADIR INTERNATIONAL LLC
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: Account status incorrect

Complaint:
XXXX XXXX is reporting a chargde off account on my report incorrectly. It opened in XX/XX/XXXX and the last payment was XXXX.It was a toy car for a kid. The item immediately broke andthey refused to honor the warranty for the defective merchandise. I returned the item to thestore to be fixed and they kept it. Now they are illegally re-aging the account trying to showthat the account is constantly 90 days late every month since then to hurt my credit eventhough this has charged off over almost 6 years ago. The credit report erroneously showsthat that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows thatthe account closed in XX/XX/XXXX. An account can not be closed and be late every monthand be charged off all at the same time. This account is hurting my ability to obtain fair andreasonable housing and I am seeking the advice of counsel and the fair housing authority. 

I have already submitted a complaint to the CFPB about this exact issue stated above and it was closed by the CFPB after La Curacao responded and denied that they were illegally re-aging the account. In their response they attached a XXXX  accounting report showing that the account was closed in XX/XX/XXXX. 

The reason why XXXX does not show any 90 day late payments or the account being derogatory is because the derogatory account is reported through XXXX  and NOT XXXX.I do not even have a XXXX score assigned to me from XXXX. I believe La Curacao is either intentionally or unintentionally trying to mislead the CFPB into thinking that the account is reported through XXXX and not XXXX by only providing information from a single bureau. The CFPB closed that complaint wrongfully without fully investigating what credit bureau it was coming from so I am creating a new complaint in hopes to get fair resolution to my issue. I am attaching an image of the derogatory account from a credit report that was pulled on my behalf. It quite clearly shows that the account was closed in XX/XX/XXXX. It also shows a list of all the 90 day late payments from XXXX which again is impossible if the account was closed as a charge-off in XX/XX/XXXX. It also quite clearly shows that XXXX  is the bureau responsible for reporting and NOT XXXX. This can be confirmed by XXXX  if need be. I hope this is thoroughly investigated by the CFPB this time around to resolve my blatantly obvious credit reporting issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I pulled my free annual Equifax credit report using XXXX. I identified an incorrect address on my report. The report provides address : XXXX XXXX XXXX XXXX, MI XXXX. I have never lived in Michigan. I attempted to use the online dispute method " To initiate a dispute online please visit https : //www.ai.equifax.com '', but the URL provided will not pull up. I've tried on multiple devices to ensure I wasn't experiencing a networking issue on my side. Equifax should ensure their services are active and available for disputes as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
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 have several hard inquiries on my credit report that do not belong to me. I have tried to contact Equifax, XXXX, and XXXX about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my XXXX  score to report drastically lower than what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification that I had a collections account on my XXXX  credit report from Enhanced Recovery Co L for {$970.00}. The original creditor was apparently XXXX XXXX XXXX. I have not had a XXXX account in years ( and did not have a balance when I stopped using them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: FIRST PORTFOLIO SERVICING INC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had student loans through XXXX XXXX. They closed and the lawsuit states that I'm no longer responsible for these loans. I reconsolidated the loans through XXXX and they will not discharge them until the Department of Education tells them to. These are still showing on my credit report as me owing.

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