BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
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: Old information reappears or never goes away

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX multiple payments to this mortgage were made simultaneously to bring the loan current.
On XX/XX/XXXX we were informed that although the prior months payments were applied perfectly, XXXX 's payment of {$960.00} would not be applied because there had been a payment plan offered by Freedom Mortgage. Although not accepted, this payment plan proposal is said by Freedom Mortgage to be sufficient for them to require the $ XXXX monthly payment thus rendering the {$1200.00} paid for XXXX and fees a " partial payment ''. 
We have now sent multiple copies of our written request for fund application to Freedom Mortgage and have received no response. 
The funds in question remain in suspense with Freedom Mortgage making no attempt to either apply or return them. 
The funds in question are in the amount of {$1200.00} and have been suspended for the duration of 38 days. 
Per our phone conversation with an account representative on XX/XX/XXXX, the " payment plan '' referenced as reason to suspend funds in excess of a monthly payment would expire on XX/XX/XXXX prompting the application of funds. 
Per our phone conversation with an account representative on XX/XX/XXXX, the " payment plan '' referenced as reason to suspend funds in excess of a monthly payment would need to be rejected in writing and sent to email " XXXX '' or faxed to XXXX. 
See forwarded email sent to said address on Tuesday XX/XX/XXXX with the aforementioned written request. 
A fax to the number provided was also attempted but was unsuccessful. ( Fax responded as a UNSENT : BUSY ) This account has been charged with a late fee for the XXXX payment of {$960.00} ( as stated on mortgage statement dated XX/XX/XXXX ). 
Negative information has been reported to the credit agencies. 
No mention of a payment plan has been made in writing to the mortgagors of this loan. ( See Mortgage Statement dated XX/XX/XXXX ) No mention of a payment plan has been seen on a mortgage statement received by the mortgagors of this loan. ( See Mortgage Statement date XX/XX/XXXX ) It has now been 38 days since Freedom Mortgage has issues a mortgage statement to the mortgagors of this loan. 

We believe this to be an abuse of the suspense account and request action be taken immediately.

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 2020-06-11
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:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. 
XXXX {$2800.00} XXXX {$8800.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$3800.00} XXXX {$19000.00} XXXX {$3500.00} XXXX {$0.00} XXXX {$620.00} USDEPTEDXXXX {$2300.00} USDEPTEDXXXX {$4000.00} DPTEDXXXX {$4000.00} XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. 
XXXX {$2800.00} XXXX {$8800.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$3800.00} XXXX {$19000.00} XXXX {$3500.00} XXXX {$0.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$4000.00} XXXX {$2000.00}

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 2017-01-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On several occasions, I mailed letters to all XXXX credit bureaus. 

XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS EXPERIAN I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX Inquires were removed then added back to my credit report. They did notify me when adding them on. This is a violation of the FCRA. 
I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX Service Member Currently XXXX since XX/XX/XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank 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 non-monetary relief
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Bank pursued me for a {$140.00} charge that I supposedly had not paid. But I h ad. They recently admitted in writing to me that they had received the payment and had failed to cash it! They had already made a report to the crediting agencies, which resulted in harm by 1 ) reducing my credit limit on other card and more significantly 2 ) interfering with my ability to attain a reasonable rate on a mortgage loan application. 
My last communication with XXXX ( sent via certified mail ) remains unacknowledged and unaddressed. My credit score remains damaged.

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
TransUnion is incorrectly reporting a Chapter XXXX Bankruptcy and a Chapter XXXX Bankruptcy on my credit report. They are claiming the bankruptcies to be " verified '' and therefore will not remove them. I have a letter from the United States Bankruptcy Court District of Oregon 's Chief Deputy Clerk, stating, " Ms. XXXX, The Bankruptcy Court does not report to the credit reporting agencies and has no control over the credit reporting agencies. '' ( see attached docs ) I have a security freeze and an opt-out/suppression in place with XXXX XXXX ( see attached docs ) which legally forbids them from reporting any of my information to all 3 Credit Bureau Reporting Agencies, and any other third party Agencies/Creditors. I also attached Security Freeze & Opt-out Suppression Documents from XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX ( XXXX ), & XXXX. Please instruct TransUnion to remove the Discharged Ch-XXXX  Bankruptcy, Docket # XXXX, Date Filed XX/XX/XXXX, Date Paid XX/XX/XXXX, Date Updated XX/XX/XXXX ; lease instruct TransUnion to remove the Dismissed/Closed Ch XXXX Bankruptcy, Docket # XXXX, Date Filed XX/XX/XXXX, Date Paid XX/XX/XXXX, Date Updated XX/XX/XXXX ; as these items/information are inaccurate, unverifiable or unfair as per FCRA Section 611 ( a ) ( 1 ) ( A ). 
Thank 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 2016-08-06
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received letter ( XXXX/XXXX/16 ) from company ( " American Coradius International LLC '' ) claiming to be collections company indicating I owe {$370.00} to " XXXX '' via my XXXX account. I do not recognize the amount or the " XXXX '' name. I logged in to my XXXX account ( XXXX/XXXX/16 ) and note that no balance is present and any payments I made via credit during the past year and prior are resolved, with no indication of money owed. I have checked my XXXX and XXXX credit reports ( XXXX/XXXX/16 ) and see no indication of the {$370.00} debt or the " XXXX '' name, nor any other past due debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: AL
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, XXXX has violated my Rights. 

The following accounts have been furnished as late. 

See XXXX Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states that I as a consumer have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: MO
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:
Experian is reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report along with a copy of a spreadsheet of accounts for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2015-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Problem is with Experian Reporting of account status. 
Received a judgement ( Attachment A ) for an account with XXXX XXXX and the judgement was paid in full, satisfied in XXXX, XXXX, filed as such in XXXX, XXXX. 
The paid judgement is shown by Experian in XXXX/XXXX/XXXX report ( Attachment B ). 
XXXX repeatedly has told me they have reported nothing on the account since XXXX, XXXX, when it was charged off. 
In XXXX XXXX, Experian shows a " failed to pay '' in the payment history for the account. My FICO score dropped about XXXX points. I disputed this as an error in XXXX XXXX. The result was an additional " failed to pay '' as of XXXX XXXX. Again, I lost XXXX points on my FICO score for a late payment. 
I called Experian and asked how a dispute could do additional harm to my credit, how disputing an error, leads to an additional error, further damaging my credit. I was told, " that happens sometimes. " In summary, this is an account that was adjudged, satisfied in full, and closed out in XXXX, XXXX. There is nothing left to pay. If I did send more money, sound accounting would require XXXX to refund it! Yet, I am XXXX accused of late payments by Experian, which XXXX denies reporting. 
I asked an Experian representative about requesting a Method of Verification, but was told the source would be XXXX. 
In our system, our lives are significantly impacted by our credit. Like many Americans, I was devastated by the housing crisis and recession, and my credit was damaged. I have made restitution and/or settled with my creditors as proscribed by law. Experian appears to take there responsibility lightly, as they reject logic, and punish consumers for disputing their errors. This account is paid and charged off, and I can not possibly have a late payment two years later. 
XXXX denies reporting anything, and I can not dispute it, for fear of doing myself further damage. It appears that having performed equitably within the system, I am wrongly held back from trying to recover my credit status. The system is not working, so I turn to this agency to please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I applied for a mortgage and was told Experian reports XXXX judgements : 1. XXXX County. XXXX {$15000.00}. XXXX XXXX XXXX XXXX. XX/XX/XXXX 2. XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX . XX/XX/XXXX I have never resided in XXXX County and have never heard of XXXX XXXX XXXX XXXX. These do not belong to me and because of the mistake I am denied a mortgage!

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 2020-06-11
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : My Account # is : XXXX We closed this mortgage refinance on XX/XX/XXXX. Then on XX/XX/XXXX I was contacted by XXXX XXXX, Processor Amerisave stating that the escrow had been miscalculated and I Needed to pay {$480.00} to my homeowners policy with XXXX XXXX, which I did promptly. After closing there was a payment paid to my property tax of {$250.00}. However, I have just received a new bill for my property tax. 

To date my Insurance has not been paid and was due XX/XX/2020. I have recently received another bill for my property taxes due XX/XX/2020. I have bills for each, and have sent them to Amerisave. 

I cant seem to get any answers, while I have paid to set up an escrow account, I continue to pay my mortgage payment to Amerisave which includes {$290.00} per month to be paid for both my property taxes and my homeowners insurance, combined. My homeowners policy will soon be canceled if payment is not made. I will not pay more than I have already paid. I would appreciate it if someone would get back to me. 

It is a shame, as I had such a good experience with Amerisave twice, once that didnt work out. This however seems a bit ridiculous as we are having this conversation in XX/XX/XXXX, when we closed the loan in XX/XX/XXXX. 

Please advise, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This is a letter to request Back Dated Reversal of Fees + Interest and Dispute of Accuracy on the Credit Report. 

I notified Citibank of change of mailing address in XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Custom Credit Line statements have been continuously mailed to incorrect address, generating late payment fees and interest generated to amount of $ XXXX, as well as a determination of reducing my credit line. 

All product accounts are consolidated on Citibank.com under the XXXX XXXX online profile : XXXX XXXX account ending in # XXXX XXXX XXXX account ending in # XXXX Citi Rewards credit card ending in # XXXX Credit line : Checking Plus Line of Credit # XXXX Brokerage IRA : XXXX There is no consolidation of XXXX XXXX XXXX ending in XXXX, there is no way to see online statements if the account is paperless. 

On XX/XX/XXXX @ XXXX, I paid a balance {$1600.00} this balance was an unknown error caused by XXXX  XXXX XXXX Autopay for a mortgage payment. 
ID # XXXX Request was made to reverse the late fees and interest during the timeline of mis-mailed statements. So far only XX/XX/XXXX and XX/XX/XXXX were waived despite repeated attempts to call in a request for approval. Confirmation # XXXX Please reverse these determinations and fees on my account immediately. I am a long time XXXX customer and have a track record.

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 2020-06-11
Company: CAINE & WEINER COMPANY, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i recently reviewed my credit report and seen it had a collection from caine and Weiner on there, so i sent them a verification letter on XX/XX/2020 concerning this item and alleged balance that i don't recall owing.i also have the letter attached that i sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Have bankrutcy filed in the US Bankruptcy Court, XXXX, CA on my Experian credit report. I disputed that the account is not reported correctly which is true. Experian keeps telling me that they have validated that the account is reported correctly. They refuse to give any other information and will not give me the means by which they validated or where they validated. I know for a fact that they are not following the Fair Credit Reporting ct and are breaking the law in their business practice, please see the attached : " 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' Since they can not validate with the bankruptcy court, they are continuing to report incorrectly and as I see it from the above, must remove the bankruptcy reporting from my credit report. I feel that the credit bureau is allowed to practice any way they feel like and outcome of your dispute depends on who gets your letters. My credit has taken a serious hit from this incorrect reporting and I have been denied credit because of this.

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