BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: Experian Information Solutions 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:
I am the victim of what appears to be an illegal scheme by alleged creditors to " park '' inaccurate adverse credit history items on my personal credit reports, as maintained by XXXX, Experian XXXX XXXX, to extort payments not due and owing from me personally. 

The entities improperly reporting to the Credit Agencies, falsely claiming to be my personal creditors are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) 3. XXXX XXXX I have records disputing these inaccurate disclosures ( letters to XXXX, XXXX XXXX Experian ) dating back to XX/XX/XXXX. 

Despite the CRA 's typically removing the inaccurate adverse information after my repeated complaints and disputes, the named creditors continue to find improper ways to report this misinformation again - most recently in XXXX and XXXX, now reporting accounts that were closed in XXXX and newly opened in XXXX & XXXX, and now reposted as delinquent collection, not charge-offs. 

I have demanded under FCRA Section 609 that these " creditors '' provide substantiation of their claimed debt, but they refucse or ignore such demands. 

The CRA 's continually close my dispute with a letter stating they have concluded their investigation, and that I may provide a written statement - BUT this does not correct their reporting error. In fact, I have provided the CRA 's with written letters I have received from these creditors stating their XXXX & XXXX claims are actually beyond the New York statute of limitations collectability dates, but refusing to remove their adverse information unless I pay what are mostly closed corporate debts ( incurred and previously paid by corporate entities ), that I am not personally liable for.

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 2017-12-05
Company: Continental Services Group, Inc. d/b/a ConServe
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
So in 2009 i went to school i was informed i was takeing out one loan and it was a promotional time so it would be abput 8,000 now i am being told it is 3 loans and like 15,000 i called to find out what i can do because i was told a different story they said theres noting they can do but give me an option to pay {$5.00} a month to pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
in XX/XX/2008 we decided to refinance our home so we chose XXXX well instead of a refinance we where pushed into a home equity loan little did we know the rest of our life would be turned upside down we ended up with a bad deed of trust a cloudy title and numerous other issues we have been fighting with the bank for almost 10 years with many attorneys with know out come they have stopped accepting payments and put us in foreclosure status the statue of limitations is up on the forclosure yet they keep on and even trying to sue us this has been an absolute nightmare fist XXXX   then XXXX XXXX XXXX And now XXXX  XXXX XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Aargon Agency, Inc.
State: KS
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:
The Company That We Are Making Payments To Towards My Credit Isnt Reporting Because Its Not Showing On My Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Innovis
State: MI
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Below is the requested documentation for my personal identification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions 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:
XX/XX/XXXX send a dispute letter to Experian to provide asking to provide copy of original contract with my signature to proof the validation of fee accounts in my credit report but their answer to me was the account is " verified '' but never sent back to me ant documejt with my signature in a clear violation of the FCRA. If they cant provide proof of the information this contracts the accounts must be deleted. 
Back in XX/XX/XXXX send back a second letter asking for verification and theur answer is they wull not re-investigate but never provide physical evidence of any contract so they must delete those accounta from my credit report without asking me to provide relevant information to them to re-investigate if they are not able to provide what is requested in the federal law.

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 2021-02-28
Company: Suburban Credit Corporation
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last summer, Suburban Credit Corporation began attempting to collect a debt I do not recognize or owe. I sought more information in XXXX XXXX XXXX, and they sent only a bill that I had never received and that in no way demonstrated that I had incurred the debt. I also told Suburban Credit Corporation by phone at that time to stop contacting me. Because this is a medical debt, I also contacted my insurance company in the summer of XXXX which told me that I have no outstanding bills and that there is nothing attached to my name that indicates I owe any money or received any treatment that was not paid for. Then in XXXX of this year, Suburban Credit Corporation again began attempting to collect the debt by mail. Contemporaneously with this complaint I am sending a letter disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
A letter was sent to Equifax certified mail return receipt regarding incorrect information on my credit report regarding my name. There were several variations of my name listed on the credit report. I sent a letter to Equifax with a copy of my social security card, drivers license, and proof of residency. As a reply to my concern of incorrect reporting on the report confirmations XXXX ( XX/XX/XXXX through XX/XX/XXXX ) XXXX the incorrect names were removed. On my most recent report confirmation # XXXX dated for XX/XX/XXXX, Equifax has added the incorrect name on my credit report again which Equifax has listed as a formerly known as name. I have not been notified by Equifax about adding a name on my report, in addition, the name is not deliverable to me by the US Postal office nor is it reportable as per the FCRA since it is inaccurate. Equifax continues to record inaccurate information on my report as several attempts have been made to make corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: JPMORGAN CHASE & CO.
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:
Someone had used my information and made an unauthorized hard inquiries 1.Chase XXXX and XX/XX/XXXX 2.XXXX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
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 a victim of identity theft the information detailed in my credit report does not relate to any transaction that I have personally made. I believe my information was compromised in 2011 during the XXXX XXXX XXXX data breach. Since I was notified of the compromise I have received several spam phone calls where the person already has my personal information regarding an account that I do not have. In the beginning of this year I review my credit and noticed several fraudulent accounts there as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: CITIBANK, N.A.
State: IL
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:
I have multiple balance transfers on my CitiBank Mastercard with different promotional interest rates and end dates for those promotional rates. I also have a small standard purchase amount ( annual fee billed directly to the card by the card company. ) I have been paying extra above my minimum payment each month. When I took a look at how the extra payment has been applied, it appears to me that it is NOT being applied according to the regulations of the CARD act. My understanding, based on the materials on this site as well as supplemental reading elsewhere, is that when you have multiple balances with different interest rates, the credit card must apply payments first to outstanding interest, then to the balance with the highest interest. If multiple balances are at the same interest rate, then they should apply the payment first to the balance with the promotional rate that ends first. 
It appears based on my statements that instead they are applying payments first to outstanding interest, then to the nearest promotional balance, with a tiny amount going towards the standard purchase amount. My calculations show that my standard purchase amount, which is at 16.49 % interest rate versus 1.99 % or less on the other balances, should be approximately half the balance it currently is if the payment was applied as I understand it should be. This was not an issue until the card was charged for the annual fee and thus had a standard purchase balance. 
I did attempt to contact Citibank, but was put on hold for an extended time and gave up. I read their website but was unable to find a description of how they apply payments in this situation. 
Therefore, I am filing this complaint. I have attached all statements, which show both payments made and the breakdown of balances and interest rates, going back to XX/XX/2017the month prior to when the annual fee was charged to the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: PA
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 did not consent to, authorize nor benefit from any of the following inquiries. block and remove them. 

1. XXXX XXXX  XXXX XXXX 2. XXXX XX/XX/2021 3. XXXX XXXX XXXX  XX/XX/2021 5. XXXX XXXX XXXX 6. XXXX XX/XX/2021 7. XXXX XXXX. XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$6000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not 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 2018-02-21
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have subimitted several disputes of information in regards to XXXX XXXX credit card accounts showing incorrect payment information ... the credit report refuses to let me dispute again stating they have investigated and the information is valid ... my problem is I received a letter from XXXX XXXX that confirms that didnt provide any information to the credit bureau in regards to the dispute ... thus the credit bureau is luring it hasnt perform a valid investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documents required under SECTION 6099 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under SECTION 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance SECTION 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA STATE EMPLOYEE # XXXX {$0.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$5200.00}, XXXX XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$160.00}, XXXX XXXX XXXX # XXXX {$240.00}, XXXX XXXX # XXXX {$70.00}, XXXX XXXX # XXXX {$250.00}, XXXX XXXX # XXXX {$570.00}, XXXX XXXX # XXXX {$110.00}, XXXX XXXX # XXXX {$190.00}, XXXX XXXX # XXXX {$48.00}, XXXX XXXX XXXX # XXXX {$350.00}, XXXX # XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing now in wish to receive your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play an essential part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXXn ) on XX/XX/2018 and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.

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 2020-05-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have repeatedly complained to the company since they bought my loan XX/XX/2019. My chapter XXXX which did not include my mortgage discharged XX/XX/2019 and they will not report my zero missed or late payments each month. They added a prepayment penalty which I do not have. I am short on escrow because they refuse to do an analysis and recalculate the higher yearly property taxes. Thats a short list of issues since they bought my loan last Fall.

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 2021-02-13
Company: INTERFIRST MORTGAGE COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home mortgage through Interfirst Lending in XXXX of XXXX. On XX/XX/XXXX, Interfirst deposited our check in the amount of {$6000.00}. As the payment coupon indicated, this represented our mortgage installment of {$1000.00} for XXXX as well as an additional {$5000.00} principal payment. Interfirst applied the XXXX installment of {$1000.00} but pocketed the {$5000.00} principal payment. 

Eventually, Interfirst admitted their error and the {$5000.00} principal payment deposited on XX/XX/XXXX was credited as of XX/XX/XXXX. It was pointed out that we were fraudulently charged interest on this {$5000.00} for almost four months but Interfirst has refused to reimburse the interest charged. Interfirst sold our mortgage to XXXX  XXXX XXXX late last year and had directed us to seek this interest from XXXX  XXXX. Interfirst made a significant error in pocketing our {$5000.00} and they are the ones that profited from their error. XXXX  XXXX XXXX will not respond and had nothing to do with the error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had issues in XXXX and XXXX making my payment with XXXX XXXX XXXX. Due to this issue I had a payment returned. I reached out to the manager to express my wanting to keep my credit with the company good, but needed help due to my payment complications. She advised me of a modification that can be done as long as I make the modification that day. And my credit history wouldn't be effected. I did and asked was there anything else due. Per the email attached, they told me no. Over the next two days I got a email stating my account was 30 days late. I reached out to the office and they stated that they couldn't do anything, even though I was given false info.

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