BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: Chrysalis Holdings LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My fiance and I currently own a home together, we have for the past 3 years. Our names are held jointly on both mortgage loan and title. Not being legally married was not an issue with my current lender. We are in the process to refinance with a VA backed loan. We applied jointly for the VA loan, and were denied on XXXX XXXX, XXXX since we are not legally married. So, we went ahead with the loan application with only my fiance 's name on the mortgage. I was told that since both of our names are already on the title of the house that that wouldn't change ... my name would still be on the title of the home, but not the refinance loan. I was ok with that. But I get news yesterday ( XXXX XXXX, XXXX ) that in order to close on the loan, the VA wants to take my name off the title and list only my fiance 's. We already own this home jointly. I feel that I am the victim of discrimination based on marital status. I have done some initial research, and everything I have found so far says that it is illegal to discriminate based on marital status. The ECOA, FHA, and FCRA all state that this type if discrimination is illegal. Can you help me in any way to find out what I can do about this?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: IL
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:
Accounts the  XXXX XXXX XXXX- account number XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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. 15 U.S.C 1681c. ( A ) ( 5 ) SECTION STATES. NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION any OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2021-12-12
Company: Kriya Capital, LLC
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 writing in reference to credence a debt collector who I asked to verify a debt on my credit report however they sent me a letter stating that it is valid with no supporting documentation. I have never had XXXX XXXX XXXX who they state is the original creditor and I can not possibly owe someone I have never done business with! Credence is refusing to remove this INACCURATE information from my credit report and I am considering litigation as this reporting is causing me severe distress. While I prefer not to litigate I will do what is in my best interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: Specialized Loan Servicing Holdings LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was having difficulty in making the additional payment of taxes and insurance included in my mortgage payment. I called my loan servicer multiple times and indicated my troubles and that I could make the principal and interest portion of my payment in which I did, however the servicer did not apply the payments accordingly which resulted in late payments and resulted in these late payments being reported to the 3 credit bureaus. I was also in the middle of selling my home which I had indicated numerous times as well. I ended up selling my home and paying off the loan in full. My most recent call to the servicer was to request documentation to file a dispute with the 3 credit bureaus and to see if there were any remaining funds that are to be refunded to me. The representative indicated that there is XXXX remaining in my escrow account, he indicated they have to hold the funds for 90 days as that is their policy. I asked the representative to send me their policy in writing, however he said that they don't have it in writing and indicated that the county in which my home that I sold was located is their policy as well ... .which is not true. I want to file a complaint against Specialized Loan Servicing, LLC as to the  way they handled my account and would like to know if legally they can hold my funds after a loan has been paid in full.

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 2022-09-21
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I started in XX/XX/2022 reaching out to the reporting agencies to get the information on my credit reports changed accurately. I contacted XXXX, XXXX XXXX, XXXX XXXX  dba XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I put 11 accounts into a debt consolidation they were all settled. The companies all but 3 that XXXX owned originally reported Paid settled- less than full balance. XXXX is reporting derogatory and charged offed as bad debt or in collections which is not the case. It appears on my credit report as if I can still be sued and like I havent settled or paid anything. I have the release papers stating the settlement. None of the companies are taking responsibility. XXXX says they gave it to XXXX XXXX, XXXX is saying they didnt take the payment XXXX XXXX dba XXXX XXXX  is saying theyre not reporting. Its a joke to them. If I want to make a big purchase its not a good look on my credit report I look like I didnt pay anything. I tried to be as responsible as possible considering my situation at the time. XXXX, XXXX XXXX, XXXX XXXX dba XXXX XXXX XXXX XXXX do the the right thing.

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 2019-12-16
Company: EQUIFAX, 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:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section  605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the  CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX , XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. No one of these  inquiries which I listed in Identity Theft does not belong to me or any transactions made by me. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 
Please remove every thing as soon as possible because all of these are destroying 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 2021-07-16
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:
I disputed a bankruptcy with Equifax, and after their investigation they reported, as shown in the attached file, that the bankruptcy would be removed from my credit file. This is still showing on my report over a month later. When I called the company they stated I needed some kind of document from the court house to remove the bankruptcy AFTER already sending me verification that it was to be removed. They were not clear on what exactly I needed to get from the court house either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX to inquire about the account of my deceased husband, M.F. SS # ending XXXX. There was an account with Capital One. It shows as a delinquent account on my credit report. 

When I reported my husbands death to XXXX XXXX XXXX, I guess they were representing XXXX XXXX. But I really don't know who is representing who, I was informed that I would not have to pay. So the account was closed and sent back to XXXX XXXX, When I called Capital one the told me to contact XXXX XXXX. When I got in touch with someone they told me to call XXXX XXXX XXXX. I was able to write and send an email on XX/XX/2019 to XXXX XXXX and I have not heard anything from them. 

I heard from XXXX XXXX, and they stated that they do not have the account. 

My goal here is to clear my name from this account as paid in full or have it taken off of my credit report. Capital one said they don't have the account, XXXX XXXX says they do not have the account so now it's on XXXX XXXX. 

Please clear my name from my deceased husband 's account from Capitol One. Acct # ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
loan number XXXX my name is XXXX XXXX i am trying to refinance i was in forbearance plan end in XX/XX/XXXX i am not late with my payment my mortgage company give false statement that i am late with payment 30days 60 days 90 days if i am in forbearance plan my mortgage company cant not reported late payment i think they doing this so they can keep my business but i dont this company my payment is to high and i am geting lower rate with another company

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 2020-12-16
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a company, Franklin Collection, saying I owe {$250.00} and has popped up on my credit report. I do not know this company nor do I owe this debt. If this debt was valid, I would have received a notification that I owed this debt. I have not received anything in writing verifying I owe this debt or who this is owed to. This is not right nor legal and needs to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This bank is adgrecious, I disputed charges twice for XXXX they approved the 2 smaller amounts which they approved but in the first complaint I never mentioned those 2 amounts so why were they brought up oh to pretend like you approved part of my claim another lie and illusion. The second time I asked for a review I was out of town so I was not able to provide any paperwork. When I look on my online account it says I sent in paperwork which I did not I have screenshots. I never sent in any information they lied playing games again with my money. The last person they switched off my case she emailed me, I responded back she never called me or responded back. A guy calls on XX/XX/XXXX  and says oh the person who had your file was switched and then he starts talking about another claim that had nothing to do with this one. To make it seem as if they did approve some of it. He named 2 different claims that I never mentioned in my first complaint. Why not name all the account activity then. Your bank now owes me double my claim so think wisely. I'll give you 5 days to adjust my account, or I'll be seeking 10 times the amount. So I feel as a consumer that's unacceptable to lie and say I sent something and didn't. The record shows that it says information received. What information liers. So you made a decision off what for the review. Now that my consumer rights have been violated I'm going for double what your bank owes me. 
Usc15 section 1681section 602 ( a ) A consumer has a right to privacy.

USC Section 18 code 1001 USC Section 18 code 1344

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 2023-07-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Synovus Bank
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: Account information incorrect

Complaint:
I have 3 missed payments on my first progress credit card. The card is paid off and closed. I called in to first progress to ask if theres anything I can do to get rid of the late payments so they instructed me to fax in a Good will letter and they will forgive the late payments. After I sent it in I called again to confirm the late payments were take off and they said yes it should be updated within a month. I still see the late payments on my credit report Im hoping those can be taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I've sent a previous complaint about the FCRA violation from a creditor as well as all 3 credit bureaus. I requested a copy of a signed contract along with the statue of limitations and charges that said creditor is saying that I owe. It's been 8 months and the only thing they've sent was a weird statement showing interest charges from a card that I've never had. This also violates my rights, because it was removed about a year ago and has since been Reinserted and I was never made aware of this from XXXX XXXX which is another violation. This debt has never been verified thus the credit bureaus have allowed it to come back on to my profile showing verified. How can they be allowed to do with a bogus statement. This is not only hurtful especially because I do not owe this debt at all. My son is in his last year of school at XXXX College in XXXX and this is preventing me from paying his balance with a Parent Plus Loan so that he can graduate on XX/XX/2020. This debt is not mine please force them to remove this immediately. 

My previous Complaint ID # XXXX Warmest Regards, 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 explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: TX
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:
I have sent several letters from XXXX without any resolution. My name appears incorrect after I have sent documentation proving who I am. My credit report shows information from XXXX XXXXXXXX and XXXX that has not been verified to be accurate. My credit report from all three credit bureaus should be wiped clean due to all of the inaccuracies. I have several inquiries that are incorrect as well. 

Equifax XXXX XXXX XXXX have not done there due diligence in protecting my credit report. When I question false documentation they do not rectify their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

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