BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I originally filed a complaint that tax lien XXXX was being reported on my credit report even though the State of Alabama withdrew the lien. Equifax did in fact remove the lien and I assumed this would not longer show up on my credit report. 
Recently I was denied a loan because of a tax lien on my credit report. When I viewed my credit report, lo and behold there it was. Tax lien number XXXX. 
Both the lender and I spoke with the Probate Judge and inquired about the lien. She told us that XXXX is referencing a XXXX as paid. She said she did n't understand why Equifax is reporting this. She said XXXX was withdrawn therefore Equifax should not be referencing this. The Probate Judge has never seen this before and the letter, which I have attached, clearly states the State of Alabama has withdrawn the tax lien. 
XXXX should be removed and follow the order of the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-03-02
Company: Comerica
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX, my money was taken out of my Direct Express account without my authorization, in the amount of {$1200.00}. I am disputing this transaction, I did not authorize any transaction on or after this date. I contacted the Social Secutity Office in XXXX XXXX, Louisiana by phone ( XXXX ) XXXX and by going to their office on XX/XX/XXXX about my funds being removed from my direct express account and they told me direct express still has my money and refused to look into the matter. I contacted direct express XXXX, and they told me social security debited the funds from my account due to unfinished enrollment according to a direct express employee in the direct express escalation and fraud department. I keep getting the run around what happened to my money but I never received my money. I have been calling direct express for weeks and they are just letting me file a dispute on XX/XX/XXXX and two weeks later the dispute was closed resulting in me not getting my money back that I was legally suppose to get back because I was told by direct express that within ten day of filing my dispute I would get provisional credit, but instead they closed my case without any recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed an account XXXX for cable services when moving out of my mothers townhome located at XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX The balance was paid in full and the equipment returned. Never received any information XXXX. XX/XX/XXXX I received a letter from a collections company stating that I needed to pay over {$440.00} because XXXX had turn a collection account on me for an unpaid bill. I do n't keep bills for these many years, so I had no way to verify that the account was taken care of. When I refused to make the payment and they told me that my credit will stay messed up until I paid the debt so I made the payment but the bad credit report still there. I am a poor student, I do n't have money to make XXXX even richer. While reading reviews on the collection company 's website, it sounds like XXXX has a scam going on with ENHANCE RECOVERY CORPORATION, to steal money from consumers. This is their information : Enhanced Recovery CorporationXXXX XXXX XXXX, FL XXXX XXXXThe account in question with them is XXXX. 
Someone needs to stop this type of activities to prevent businesses from monopolizing and taking advantage of consumers. This action on their part has caused my credit to be ruin. I am a decent citizen, working part time and going to school XXXX ; I still live with my parents because I ca n't afford to live on my own. I do not need the start of my adult independent life, to initiate with bad credit to affect my possibilities to request credit for the most basic needs in life such as car or home purchases. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I guess its easier to pretend as if you can't understand what I'm saying than admit EXPERIAN is wrong. 

I WILL BE FILING A SMALL CLAIMS LAWSUIT ON OR AFTER XX/XX/2020 ABOUT MY UNRESOLVED LAST COMPLAINT # XXXX. I HAVE MAILED THEM MY DEMAND LETTER AND IN CASE THEY DIDN'T GET IT, HERE IS MY PROOF. 

I'm telling you to put the information you deleted back on my report and send XXXX XX/XX/2020. I'm trying to resolve the issue before going to court. Experian hurt my credit by deleting the information from my credit report! I can't get the house that I wanted because they removed this information from my credit. 

I DID NOT WANT THAT INFORMATION DELETED! I NEVER ASKED FOR THAT INFORMATION TO BE DELETED! 

The following attachment are the items I DID NOT WANT TO BE DELETED. 
I NEVER ASKED FOR THIS INFORMATION TO BE DELETED. 

ALSO I HAVE ATTACHED PROOF THEY GOT MY DEMAND LETTER.

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 2020-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
It's that time again. Wells Fargo is trying to foreclose on my house even though I had adequate income for my last modification application. This is the second complaint that I have filed against this company because for whatever reason I didn't get the request for response email messages from my first complaint. I plan to change my email address to avoid this happening this time around. 

In my previous complaint XXXX Wells Fargo responded that I didn't provide proof of my income which is untrue. They didn't make any requests for proof of my income. They denied part of my income due to the fact that I wasn't able to procure tax documents because I hadn't worked long for my employer. I have copies of checks and bank statements for that income that I will happily provide.

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 2017-04-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent in a multiple inquiry letter more then once to Equifax trying to get these unauthorized inquiries off my credit report because they are unable to verify the inquiries and I have contacted the creditors to make them aware they are fraudulent and they referred me back to the credit bureau and I am tired of getting the run around and just would like them removed off my credit report. I am trying to buy my first home and all these inquiries do not look good with the lender XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Rocket Mortgage, LLC
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:
XXXX I began working with Quicken Loans to secure a mortgage for purchase in XXXX. The week prior to closing on XX/XX/XXXX I received an email that my credit score dropped and I needed to speak to another representative. I was presented with an updated loan estimate and informed that there would be a delay in closing. Weekly there were updates on the house and we were " waiting '' for my score to rebound as a new item was placed on my record which dropped my score. 

During this time my credit was pulled twice on XX/XX/XXXX and XXXX for no reason as it was already pulled on XX/XX/XXXX and the new rescore would not be available until later in XXXX. I was told that they could rescore the credit with additional information that I sent in-but that was not true. 

I called the company to see if they would remove these hard inquires only to hear that I " must have '' known this is what would happen for a rescore and when my case was transferred to another agent. This practice is unfair especially since I was approved with them and then they gave me nothing but the run around a week from closing.They were not transparent in their handling of this case-3 credit pulls in 30 days is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND PROGRESSING INTO THAT THE FUTURE THAT I HAVE PLANNED FOR MYSELF IS NOW AT A STANDSTILL. 
PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a letter at my residence in XXXX, XXXX via my employer ( XXXX XXXX ) that I would have my wages garnished for a debt. I reached out to my employer for more information however they were short with me. I made several attempts to the court however they were no help. I would have physically went to the courthouse however I live in XXXX and the court house was in XXXX XXXX, XXXX. I was never notified by the debt collector ( Asset Acceptance ) or court formally at my residence in XXXX. To make matters worse they took me to court in a state that I do not reside. The debt was paid in full however they refuse to remove it off my credit reports. I still to this day do not know what the debt was for. The case number at the court house is XXXX and the XXXX XXXX XXXX XXXX XXXX. The county is XXXX County, XXXX XXXX, XXXX. I have also included my XXXX XXXX license to prove I got it issued on XXXX/XXXX/2008 once year prior to the Judgement issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
us bank calls me multiple times a day for my husbands debt. says they wont talk to me but continue to call be 5 to 6 times EVERY DAY! they will not stop even after my husband has explained to them when they will get paid ( he lost his job 3 mo ago and just started a new one this week )

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 2016-05-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I had a mortgage loan with XXXX and a XXXX mortgage with CCO Mortgage. We were in our home ten years and was never late on a payment, not once. I was laid off my job of 21 years and asked over an over again to refinance. I was told no by XXXX. During this time the payment went up over XXXX dollars because of the type of loan. That is one of the reasons we wanted to refinance the loan before this happened. We were also told you have never missed a payment so they are not going to help you refinance. We used all of our savings to keep things current. We tried next to do a modification and was told the same thing. Once they realized we were going ahead with the modification the loan was sold to XXXX, than the problems really began. I started back working at half the salary so it was hard catching up. While processing the modification XXXX continued to say they either did not receive documents or they needed them again. This happed every time we would send the documentation, they would say it was received to turn around and say they did not have it. This went on for over a year before they finally said no to the modification. We decided to do a short sell on the home. We have had XXXX offers. One was XXXX XXXX short of what they wanted so they said no. The second was a cash offer for more than what they asked. CCO would not agree to the short sale and kept things in limbo, meanwhile they stated they did not care if we foreclosed on the home or filed bankruptcy. The couple buying the home needed to close soon because she had XXXX. CCO would not agree with any option that was put out there so the couple found another home. The next day CCO called and said they would agree after we made a complaint but it was to late. A week later we received a third offer for over the amount asked. The persons buying the home ask if they can close as soon as possible ( within 45 days ) because they are closing on their home. Now XXXX continues to drag and now decided they want more money. How can you keep doing this. It is as if they do n't want to really sell the home. This has gone on now for a year and a half and is affecting my health. They have not returned my calls and know that the family wants to close soon. I am not sure what to do next. We had excellent credit and always say our bills. We would like to sell the home so that we can move on. We do not want it to go the house to go into foreclosure. I will be looking for a lawyer tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is Home Point Financial. They recently went through some restructuring and as a result of that they made changes to my account. In particular, they demand me to pay into escrow account. I didn't have escrow account with them and was very surprised at their sudden demands. Apparently, although I didn't have escrow account, they send money to my insurance company periodically without informing me and without my authorization. They split the money they paid to insurance into 12 parts and added them to my monthly mortgage payments. 
I complained to the company on XX/XX/2022. They were investigating my complaint for 3 months. Finally, I received response from them on XX/XX/2022 ( attached ). In the meantime, I assumed that while the issue is being investigated, I can pay my regular monthly mortgage payments. However, the Home Point did not accept my payment ( attached ) and reported me to credit reporting agency as delinquent account after 30 days. They refused to update my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a collections account on my credit report that does not belong to me : Caine Weiner Account # XXXX Amount : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is regards to Trans Union reporting inaccurate information on XXXX XXXX XXXX consumer credit report. As of XX/XX/XXXX, this account with XXXX XXXX XXXX XXXX shows an open account. I have disputed this account multiple times, and I ask Trans Union, and XXXX XXXX to validate this debt. As of XX/XX/XXXX, Trans Union or XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX and spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for XXXX XXXX. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for XXXX XXXX. Also, reach out to XXXX XXXX XXXX I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to XXXX XXXX XXXX and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.

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 2015-10-30
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
After first reviewing my credit report in XXXX of 2015, I noticed a " delinquent '' statement for TSI/XXXX. I was unsure of what it could be as I was never notified of any past due bills via mail, telephone, courier, etc. I had never known of any past due balances, let alone any past due balances to a company name TSI/XXXX. It was not until I investigated further with a credit report that it was in fact a medical provider " Shadow Emergency Physicians '' that claimed that I had a balance and they sent the balance to Transworld Systems Inc . Neither XXXX or Transworld Systems Inc. have EVER made contact with me or any attempts to collect debt ( to this day, XXXX XXXX, 2015 ). This claim has played an extremely negative effect on my credit score and, as a young adult, I require assistance in disputing and resolving this issue as promptly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been trying to remove this truncated falsely reported account from my credit report. The account number belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. This account is not reported accurately due to the fact that it does not express the full account number and MUST be removed immediately to avoid litigation  : 1   XXXX /  XXXX   XXXX   #  XXXX  I have attached the lawsuit to be filed as wells as  XXXX  vs.   XXXX     XXXX   XXXX  Case  .  No.  XXXX  to show precedence to the court on the same violation I am seeking. I am not seeking monetary relief. I am only seeking the removal of the above account from my credit report as well as the unauthorized release of my credit report to the following companies :  1 .  XXXX   XX/XX/XXXX  2.  XXXX   XXXX    XXXX     3.  XXXX   XXXX   XXXX   XX/XX/XXXX   4.    XXXX   XXXX   XXXX    XX/XX/XXXX  5.  XXXX   XXXX   XX/XX/XXXX  6.  XXXX   XXXX   XXXX   XX/XX/XXXX   7.    XXXX   XXXX   XXXX   XX/XX/XXXX  8.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  9.  XXXX   XXXX    XXXX  . If these accounts are not cleared immediately, I will be forced to file the lawsuit attached forthwith and seek punitive damages as well as violations of the FCRA  Section 623 i ncluding Defamation and willful injury at {$1000.00} per violation.  May  I also remind you of  XXXX ,  XXXX   TRANS UNION CORPORATION US   , Court of Appeals fo r the   XXXX  Circuit Court Ca  se   XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX  , Filed (  XXXX  No.  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