BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: MIDFIRST BANK
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 information incorrect

Complaint:
XX/XX/XXXX Dear Mid-First Bank and or Midland Mortgage : On or about XX/XX/XXXX I contacted Midland Mortgage about misinformation the company made and placed on my credit report. I disputed the information and contacted the XXXX, ( XXXX XXXX XXXX ), a Midland third party partner. I spoke with XXXX who told me Midland had provided the information I was disputing to XXXX, XXXX and XXXX XXXX. Specifically, XXXX said Midland reported as of XX/XX/XXXX I was more than 120 days past due on my mortgage. That information is untrue. XXXX also said Mid-First Bank and or Midlands policy is to report mortgages as delinquent or late even if the mortgagee continues to make payments which I did after contacting Midland to request mortgage assistance. I was approved for a reduction in payment plan in XX/XX/XXXX and thereafter placed on a modification plan with a 3-month trial payment period that I paid as agreed. Nonetheless Midland reported to the credit agencies I was 120 days delinquent in XX/XX/XXXX. I believe incorrect reporting violates the Consumer Protection and Fair Debt Practices Acts. 
Any payments not made on my mortgage occurred because Midland instructed me to not make payments until after my modification was completed. I did as Midland instructed. I want my credit reports corrected and future reporting to be accurate as according to law. I want a statement from Midland explaining its policy with supporting legal documentation.
I look forward to hearing from 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 explanation
Consumer complaint received 2020-05-15
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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax to notify them that Bankruptcy XXXX needs to be investigated for verification and deleted because it is erroneously being reported on my credit report. Equifax responded to my request for verification with a response. I contacted XXXX XXXX regarding the bankruptcy & XXXX XXXX sent me back a letter stating that they could not Verify the Bankruptcy XXXX ( see attachments ). Sent a letter back to Equifax and requested a deletion & proof that they had did a " reasonable investigation to ensure the maximum possibility of reporting ''. Equifax responded by sending me a letter requesting information for identify verification ( Something I have sent over 100 times the were playing games to stall ). I have sent Equifax letter from XXXX XXXX stating that the account could not be verified ( the source sited on the Equifax report as verifying the Bankruptcy ) Equifax is willfully reporting erroneous, damaging, and unverified information on my XXXX  report. They are in direct violation of my consumer rights and of FCRA 15 U.S.C 1681 ( a ). and is causing great harm to my ability to obtain financing and/or credit in a time where it is needed during this pandemic crisis. 15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v. Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The inquiry occurred without my knowledge and willing approval.

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 2020-08-31
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Purchase a home in XX/XX/XXXX threw FHA guarantee from Cardinal Finantial. We closed the loan with the first payment due 2 months app. later. This caused a deficiency in escrow as they did not account for the escrow not being paid those two months. Our payment was per contract {$1400.00}. The deficient amount $ XXXX. 
Upon discovering the deficiency Cardinal increased the payment to app. XXXX to {$1500.00}. Which was what was needed to bring the escrow current and we agreed with them gladly. 
Then in XX/XX/XXXX our county taxes increased 300 % from {$960.00} to {$2700.00}. 
They immediately raised our payment for XX/XX/XXXX to XXXX. I contacted them and informed them the county had approved a tax exemption ( deferment ) as I was XXXX  and qualified. They refused to contact XXXX county and confirm as Covid had delayed processing of paperwork on exemptions for months. 
We eventually received the paperwork and submitted it by fax to Cardinal on XX/XX/XXXX. And at that time asked for an adjustment and under the RESPA law that we be refunded the overage. During the XXXX, XXXX, XXXX, time we paid over the required amount. We paid {$1800.00} for XXXX payment XX/XX/XXXX, {$1800.00} for XXXX on XX/XX/XXXX, and {$1800.00} for XXXX on XX/XX/XXXX payments. 
We at all times asked the money paid over each month go to escrow no principal and instructed this monthly. This only made good sense as escrow was deficient at the time. The applied all money over the payment amount to principal balance. 
In early XXXX we contacted Cardinal requesting payment of the overage be returned and they claimed a check was sent which it has not. We also asked that the escrow be recalculated as the single spring tax payment was 2 times what was required and the were refunded by the county 50 % of the tax paid for the 1st half taxes. The sent out a generic letter with a box checked we have completed reviewing your escrow. No more no less not one fact or figure on it. 
To add further they have demanded we pay XXXX payment in the amount of XXXX full well knowing the money is not earned or needed in escrow. 
Originally our payment was {$1400.00} with taxes @ {$960.00} per year. Now with the tax deferal they are {$720.00}. They is {$230.00} less per year, insurance premium unchanged and PMI of course the same. My payment should by contract & law be slightly less than in XXXX when the loan was originated. 
The {$1700.00} XXXX is no less than extortion. 
The misapplying of over payment funds a violation of contract. 
The refusal to refund violation of contract and RESPA. 
During this Covid time they after waiting on the phone lengthy wait times hang up, I beleive by phone number in their computer system. 
These people are the reason you dont want a home or mortgage they are crooked to the core and get away with theft & fraud never acting under the contract FHA should ban them from doing their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: MB FINANCIAL, INC.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In late XX/XX/XXXX we used XXXX XXXX to find a competitive offer. We were subsequently contacted by XXXX XXXX of XXXX XXXX XXXX  XXXX with an offer to borrow at 3.875 %. We submitted the requested personal/financial info on XX/XX/XXXX and were soon notified that the loan was approved. Fast forward 2 months to mid-late XX/XX/XXXXafter much follow upon our part and we're asked to sign closing docs at a significantly higher rate that we only happened to notice in reviewing the docs closely. I REPEAT, NO PERSON EVER COMMUNICATED AN ADJUSTMENT TO THE ORIGINAL TERMS yet we were told to sign and return electronic signatures. 
I brought this to the attention of MB senior mgmt and after more than a week their best offer was for me to pay additional $ to buy down on a rate higher than my current mortgage. 
This is not acceptable to me and I request a better compromise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
- XXXX XXXX paid off HSBC credit card for {$3800.00}. 
They said they would send " paid in full ' later. 
- XXXX or XXXX XXXX recurring charge for XXXX XXXX XXXX XXXX came in and HSBC paid it. 
They never notified me ( I was paperless billing and acct was closed ). 
- XXXX XXXX they added {$15.00} late fee I was told. 
- Interest and another late fee was added at some point. 
- Around XXXX or XXXX XXXX got bill for {$62.00} ( XXXX + XXXX in interest and late charges ). After bounced repeatedly over the next few from csr to  collections to csr and back, I got fed up.

- XXXX XXXX paid the {$62.00} to HSBC collections. XXXX said would refund the late and interest but I have NOTHING in Writing that says that. 
- I did not check SXXXX XXXX XXXX payment issue but I will pay the XXXX from XXXX XXXX XXXX. 

One reason I closed the HSBC account was that HSBC would post debits right away but wait days to post a payment ( and I believe rack up interest charges in the meantime ). They did it again here ( not close my account right away but took the debit charge immedtly ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : DIVERSIFIED CONSULTANTS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person tha
t furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DIVERSIFIED CONSULTANTS INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying to dispute wrong information on my transunion credit report. I went online submitted all the information and received a message they can not access my report. I was given a phone number to call XXXX. I tried to call this number ... .was told my credit file is in another department. I was transfered to the next department and they told me they need to transfrer me to another department. I have been transferred 4 times then I finally told the rep that they keep transferring me and I need to dispute an account " XXXX XXXX XXXX '' and XXXX XXXX XXXX XXXX XXXX '' that DO NOT belong on my credit report. These 2 items were to be deleted over 5 months ago. I was told they need to transfer me again. I am submitting this complaint because I can't dispute with transunion this wrong information.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Try to freeze my credit but was unable to

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 2020-09-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I had to have emergency XXXX taken at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. The hospital agent was XXXX XXXX. 

After this, I did not receive a bill for this service or any request for payment. 

While checking my Credit Report I noticed there is a collection for {$1400.00} from XXXX XXXX XXXX. After asking them several times to provide the original invoice for the service they are collecting, they sent a confusing ledger. ( attached ) To date I dont have the original itemized invoice. 

The bill seems to originate from XXXX XXXX XXXX XXXX at XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX LA XXXX BILLING NPI : XXXX in network. 

The collection company argues that XXXX XXXX XXXX or her administrative company XXXX XXXX, ( XXXX XXXX, XXXX XXXX XXXX ) did not have my insurance information until after the time to file the claim expired, which is impossible since I presented my information at the time of services. The hospital agent was XXXX XXXX. ( attached form ) Furthermore, their own Patient Portal has me as covered with them by XXXX XXXX from XX/XX/2018 ( attached ) XXXX XXXX received and processed three claims originating from this event. Claim XXXX, Claim XXXX and Claim XXXX. 

There is not a denied claim from the provider you represent. ( attached email from XXXX XXXX ) I have paid the patients portion of the only claims they processed. 
I believe this is an administrative failure on your part and XXXX XXXX and I should not be penalized for this failure by sending the account to the credit bureau and charging more than what my insurance would have allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: CNG FINANCIAL CORPORATION
State: NC
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:
I called XXXX XXXX XXXX 's collection agency ( XXXX XXXX XXXX ) in XX/XX/XXXX to start the resolution process. I requested that XXXX XXXX XXXX provide a  documentation of the loan, proof that the loan was mine, and that the loan wasn't paid off according to the terms, as I paid this loan off in XX/XX/XXXX. There was a " process '' to get this information. I waited 24 hours and received a phone call back and was told they could give me no further information. 

As there can be no documentation provide from the creditor this loan should not be reporting to my credit report. I filed a dispute with XXXX with no resolution. When I called XXXX to discuss the dispute, I was told that the creditor just said that the loan information that was being reported was correct. I have still received no proof of the loan being legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
XXXX is reporting XXXX XXXX account XXXX. I was not primary borrower on account. I provided evidence of primary borrower filing bankruptcy. XXXX ignores my request to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 am Victim of Identity Theft. This Account does not belongs to me. 
I did Not give anyone Consent to open this Account.

this Account, That is on this Report is Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There has been a bankruptcy on my credit report for two years. I have disputed it with the credit bureaus who advised me they received the information from XXXX XXXX. I then, disputed it with XXXX XXXX, who could not verify the bankruptcy and sent me a letter stating the removed it. I then sent the XXXX XXXX letter to the 3 credit bureaus and in return, only XXXX removed the bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied to have my co-signer released after making 12+ on time monthly payments, building my credit history over the last year to XXXX and meeting all of the other requirements that Navient asked for. 

They declined my request to release my cosigner stating that my installment debt amounts are too high. Of course they're high, I went to a good, but expensive private school and can't pay off $ XXXX in debt in a blink of an eye. I've been making payments since 2011 and since most of the money I pay goes to interest, it's out of my control that the principal balance doesn't decrease at a fast rate. 

I have great credit history, made all my payments on time for more than a year and my credit history has proven that I'm very financially stable. They didn't take long to deny my request so that my mom can't be let go as a co-signer since they want as many people on the hook as possible. 

On top of so many other sketchy activies and predatory practices that this company has been involved with, this is just icing on the cake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX  XXXX # XXXX is reporting erroneous lates to my account that I should not have. I made my payments but for some reason the payment was returned. My XXXX   account that I used to pay was valid and I had money in there, my bank drafted a letter for XXXX XXXX stating that there was no reason on their end or mine that the payment was returned. This was an issue with XXXX XXXX and I would like these lates removed off of my account.

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 2021-05-21
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: Account information incorrect

Complaint:
This is a follow-up complaint against Equifax. 
Please reference original complaint file : XXXX Equifax did not perform review, and correction of my account. 
I am attaching additional supporting documentation. Additionally, I have summarized the prior complaint to ensure all information is at hand for them to understand my concern. Most importantly, because I come in good faith, with the sincere hope that providing all information will help correct my credit report in reasonable time.

Company response to consumer: Closed with explanation