BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance payments are to come out of my escrow payments made to the mortgage company. In XX/XX/2021, I received notice of cancellation from my insurance company due to the insurance not being paid. I sent an email to the mortgage company along with the notice requesting payment be sent overnight so the insurance would remain in effect. On XX/XX/2021, I received a cancellation notice from the insurance company since the mortgage company did not submit payment. I've since learned that my insurance policy was canceled due to the mortgage company not making the payment from escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: T.S. Holdings
State: TN
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Two requests have been sent requesting a security freeze be placed on my credit file as I am a victim of identity theft and want to prevent any further fraudulent use of my credit information. Both requests were sent USPS Certified, which were signed received on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Included in my request a copy of my police report, identity theft affidavit along with sufficient proof of identity. 
According to Texas 's Business and Commerce Code Sec. 20.034. Upon receipt of my request, the security freeze should have been placed within 5 business days and written confirmation sent within 10 business days. I have not received any confirmation that a security freeze has been placed on my consumer credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: MO
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: United PanAm Financial Corp.
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 information incorrect

Complaint:
According to 15 USC 1681s-2 UNITED AUTO CREDIT IS REPORTING INACCURATE INFORMATION TO THE CREDIT REPORTING AGENCIES IN VIOLATION OF MY RIGHTS AS A CONSUMER THE LAW 15 USC 1681 s-2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

UNITED AUTO CREDIT CONTINUES TO VIOLATE MY CONSUMER RIGHTS BY REPORTING INACCURATE INFORMATION ABOUT ME RUINING MY CONSUMER REPUTATION WHICH CAUSES ME HARM AS A CONSUMER. THEY ARE EVEN REPORTING DIFFERENT AMOUNTS OF ALLEGED DEBT TO DIFFERENT CONSUMER REPORTING AGENCIES. NONE OF THE INFORMATION IS EVEN IN THE SAME HOW CAN THIS BE ACCURATE?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has violated the terms of FCRA violation section 611 5 B ii. I have had XXXX accounts reinserted on my credit report without any notification. According to 6115 B ii the credit bureau is required to send me notification within 5 days with the statement that the information disputed has been reinserted and the business name and address of any furnisher of the information. I have NOT received ANY information, documentation, or communication from Equifax. 

I received investigations results on XXXX XXXX, 2016 and XXXX XXXX, 2016 stating that the following accounts had been deleted from my report. However, my most recent reports shows that these accounts still remain on my report. I have NOT received any notification, or verification for reinserting these accounts on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the above accounts deleted from my report immediately as it 's a strict violation of 611 5 B ii

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Aargon Agency, Inc.
State: TN
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The AARGON AGNCY ( Original Creditor : XXXX XXXX  XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. MUST remove this collection account 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 2021-10-01
Company: BARCLAYS BANK DELAWARE
State: GA
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 have a few inquiries that I see on my report that are fraudulent. I have contacted the creditors as well as the Bureaus and the creditors have no accounts with my social in their Data Base. The Bureaus are telling me I need a letter of deletion. The creditors are unwilling to provide these and I need these inquiries removed as they were not initiated by me. XXXX and XXXX will not cooperate XXXX was able to remove two of them that was reporting to them.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: AR
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 XXXX, has violated my rights. 

XXXX XXXX XXXX lost a lawsuit due to illegally charging interests and fees on loans. I was refunded {$1400.00} for part of interest and fee due to their illegal practices. 

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.

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 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 2016-06-23
Company: Universal Credit Services, Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I tried, as directed on the FTC site, to send them a letter asking them to stop contacting me ... Sent it by certified mail as directed ... but they refused delivery..last person I contacted on the phone about this " debt '' told me they had no record of it ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX-XXXX-Balance : {$5600.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance XXXX {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened XXXX XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT  ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance XXXX {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened XXXX XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance : {$550.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
FTC VIOLATIONS ATTACHED VIOLATIONS

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 2020-04-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX XXXX, XXXX ( XXXX ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Experian continues to report the account as past due and the foreclosure sale happened in XX/XX/XXXX. The property sold at sheriff sale for {$230000.00} and the balance due to the lender XXXX  XXXX was {$160000.00}. I received the difference plus {$7500.00} from buyer for immediate access ( see attached ). In spite of repeated letter and emails to the XXXX  XXXX the account continues to report incorrectly on my Experian credit report. XXXX does not report XXXX and XXXX stopped reporting activity in XX/XX/XXXX. 

Back Story My 14 year marriage ended in XX/XX/XXXX. In the divorce I received the marital property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time the 1st mortgage was with the XXXX  XXXX in the amount of {$170000.00} in my name alone and entirely my responsibility. 

Unfortunately there was also a second mortgage in my ex husband name only with XXXX  XXXX XXXX for around $ XXXX which he used for business. Although he was ordered by the court to continue to make payments on that second mortgage, in XX/XX/XXXX I learned that the second was in default and that he had completely stopped making payments. Because of fear of foreclosure and also becoming homeless with my XXXX children, I chose to protect my family and purchased another home in XX/XX/XXXX. When I moved I was able to find a tenant to lease the home for $ XXXX/ month for 12 months which allowed me to cover the mortgage, tax payments, and insurance. Once they moved out and the property taxes went up to non-homestead rates I could no longer afford to continue to make payments on the home. 

I was also unable to sell it because of the second lien which was my ex husband 's responsibility. I had no other option than to allow it to foreclose to settle my debt.

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 2016-04-19
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My minor daughter XXXX was seen by the doctor. The doctors office took our insurance information and at the time we had XXXX. Despite having XXXX, we still received a bill. The bill has now gone to collections and is on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did apply a home loan through KBHS home loan ( KBHS ) for a new build property sold by KB home. KBhome required me to have " pre-approval '' through KBHS home loan even later or at the end that I use 3rd party lender for closing. 
As a result, in XXXX I did apply the home loan through KBHS home loan and was approved. They did pull my credit report ( hard pull ) on XX/XX/2021, which I did authorize during the application. 
In XXXX, the house completion date was approaching so I started to shop the interest rate and applied loan with 3rd party lender. KBHS hard pull my credit report on XX/XX/2021, without my consent and without any of my explicit, e-sign, email nor verbal authorization. That was definitely against my will. 
I have home loan and credit cards, but doesn't mean the creditors can pull ( hard pull ) my credit report at any time they like without my consent or authorization. I understand soft-pull is okay. 
In this case, KBHS did not provide the rates nor get my approval before they hard-pull my credit report. If they didn't provide a competitive rate for me to compare, how do I determine I should still go with KBHS and then let them pull the credit report?

Since that was an unauthorized credit inquiry, I request the record of such inquiry should be removed from the 3 credit bureaus as a remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX account # XXXX, XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-04-08
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Merchant : XXXX XXXX XXXX XXXX  CA {$190.00} on XX/XX/ I have disputed this transaction, recently, Citi bank sent me an email said that they have completed this dispute, because of " We did not receive proof that you did not receive the merchandise. '' It ' s not the consumer 's duty to prove I did not receive the merchandise. It's the merchant 's duty to prove that they have sent me the merchandise. This dispute should be reverse onus. It needs to shifts the burden of proof. 
I never received anything and didn't see any shipping update from the merchant for 3 months.

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 monetary relief
Consumer complaint received 2016-12-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Consistent marketing and emails from Wells Fargo Bank regarding loans to help with home repairs were marketed falsely not as installment loans. When talking to loan officers and asking about loan repayment the fixed amounts were never discussed. Assertions that loan was more like a HELOC that would establish a line of credit and would be paid back over several years were stated. 
Did not realize high monthly amount until loan was given. Therefore am going to turn all money back in due to misrepresentation. Wells Fargo bank should be investigated for this practice.

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 2021-10-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had an existing account with XXXX XXXX XXXX - a AutoLoan. back in 2017 I was no longer able to keep up with the payments, and it went into collection - The collector was XXXX XXXX XXXX from Texas. - However I paid that off! And I requested pay per DELETION letter which they sent one to me! I am trying to submit to the bearues all three of em! Experian - XXXX and XXXX! Its coming back as Verified? Im not trying to verify the collection account Im trying to DELETE IT! Since I have Deletion letter from the debt Collector should no longer Exist on my REPORTS! They have failed to properly Investigate my Dispute! And DELETE the existing 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 non-monetary relief
Consumer complaint received 2021-10-01
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/1921 I paid my XXXX account in full. To a XXXX balance. I just realized that XXXX has now charged me two {$1.00} interest charges on a XXXX  balance and these charges have now caused me 2 late payments of XXXX so my balance is now XXXX on an account I paid in full. And its reporting late to ky credit I called XXXX told me because my payment didnt post till the XXXX there were interest charges. Offered to waive one but woupd not waive them both and correct my credit. I have closed my account but feel like I should not owe anything

Company response to consumer: Closed with monetary relief