BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent letter by XXXX on XX/XX/2020 and by certified mail on XX/XX/2020 to Commonwealth Financial Systems for two items that appeared on my credit report in XX/XX/2020. I requested verification that the debt was mine in the form of my signature. I received itemized statements for both. The statement for {$1400.00} not only does not contain my signature, it also does not contain my name. The statement for {$290.00} does not contain my signature. My name is typed on it and under it a XXXX XXXX XXXX XXXX  policy number that does not belong to me. Since mailing Commonwealth these letters I have begun to receive phone calls from a company called XXXX for the {$1400.00}. So, I am wonder if they " sold '' this since receiving my letter although they are still reporting it the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Also please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-03-14
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
See Prior CFPB Case # XXXX SETERUS - Fraudulent and bad faith lending practices. Fraudulent foreclosure. Misrepresentations in lending. 
In XXXX, my mother passed away and I inherited her condominium located at XXXX XXXX XXXX XXXX, XXXX, California XXXX. As the estate was finalizing, the Lender was transferred from XXXX to XXXX ( see prior complaint against XXXX ). After multiple 'lies '' by XXXX and bad faith, XXXX then transferred the Loan to Seterus in XXXX which required me to start the process over of assuming a loan. Seterus, throughout the process, has misled me, committed fraud, backdated letters sent to me, indicated they sent letters which were never sent and are attempting to 'steal ' a property and I am doing everything possible to assume. They have set a foreclosure date of XXXX XXXX, XXXX so that matter is urgent! I am providing extensive documentation of my communication with XXXX and Seterus and their bad faith and fraudulent lending practices. Where is process now? After being told by Seterus on multiple occasions that a Loan Assumption Packet was complete ( originally completed XXXX XXXX, XXXX ), Seterus is now requiring a new packet. I received XXXX letters from Seterus this past weekend XXXX XXXX XXXX, XXXX ) which indicated the loan was " in process ''. I had spoken with XXXX XXXX of Seterus on XXXX XXXX, XXXX who indicated my Assumption packet was complete with the exception of a utility bill and an address. I immediately faxed the requested information ( attached ). Thankfully, I phoned Seterus today ( XXXX XXXX, XXXX ). I spoke with XXXX XXXX who informed me that XXXX XXXX was incorrect and an entirely NEW Loan Assumption packet was needed. This was the first time I was informed as such. It is clear that Seterus and committing fraud and bad faith and attempting to steal my property. At all times, I 've tried to pay the mortgage and assume the loan, but Seterus continues to misrepresent the status of my assumption packet in an effort to sell my property. This is my home and I want to keep this property. Please read prior Case # XXXX. 
I have now initiated at least 8 phone calls with Seterus and am basically lied to or mislead in every call. As an attorney myself, I 've never encountered such fraud and bad faith. Please help. I 've done everything I can to assume this loan and the predatory lending practices by Seterus will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX my mother passed away from XXXX. I immediately experienced a financial hardship in covering my mother 's final expenses and estate debt. I notified Flagstar of my hardship and I was advised that I could defer my payments for 3 months and that at the end of this period my payments would be deferred to the end of the loan. In XXXX I called Flagstar to begin the process of deferring the payments. The request was initially denied since I had previously deferred 3 payments due to Covid. I was told that I was still eligible for the payment deferral and a new request was submitted and escalated. I have since called in every week to check on the status of this new request and each time I am told that there is no update from the underwriter and an email will be sent to follow up. It has now been 3 months of waiting for a response and in the meantime I am harassed with collection calls from Flagstar stating that I am delinquent and that on XX/XX/XXXX my Covid forbearance will end and immediately my loan will be reported delinquent to the credit bureaus and a loss mitigation process will be initiated. It is unacceptable that after 3 months and weekly follow up emails that Flagstar has not provided a response to the deferral request.

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 2021-12-13
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX XXXX XXXX Balance {$0.00} Inquiry : XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: CA
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 have contacted the collection agency XXXX XXXX directly, as well as, Experian, XXXX, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of {$3200.00} Account Number XXXX ... and the amount of {$310.00} for Account Number # XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have sent  XXXX , Experian and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Nam e, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated 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 2022-07-21
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: MS
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:
This is my 9th attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}

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 non-monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: MS
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:
Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no answer was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}

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 2016-11-17
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
MIDWEST RECOVERY SYSTEMS placed a collection account in my XXXX credit file. I do NOT owe them nor anyone they claim to represent any money!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Item XXXX ) First, The reason I am filing a Complaint against this XXXX XXXX XXXX is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than XXXX %. The interest rates on this loan is very high and some are well above XXXX % to XXXX % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any XXXX time. And, I have been paying on a total of ( XXXX ) XXXX loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over XXXX % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this dateXX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via XXXX Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.

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 2015-03-20
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is an account showing up in my credit file that has no clear explanation as to why it 's reporting, I would greatly appreciate if there were a thorough investigation of this matter. And expect a complete removal of this erroneous information on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2020-06-14
Company: STATE FARM BANK, FSB
State: FL
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 is a complaint against State Farm, for the abuse and disrespect of sending me letters to my house. Those accounts don't They belong, they are not mine, I made a complaint to close that account from your credit files, and what are you abusing and creating a climate of terror, which part does not understand? They are not mine, and I have nothing to discuss with you. I gave him all the necessary documentation, but I see that they are making fun of me, sending sarcastic letters to intimidate me. I ask that you please stop sending me letters with those accounts because they are not mine, and you are violating federal law, reporting open accounts under fraud and : I don't think what you're doing is funny. I request that you stop sending me, letters to my house, stop calling me. I ask that this be solved in the best way, if you continue to report those accounts under my name and send me collection letters, I will take legal action against State Farm for defamation, harassment, and reporting accounts under my name. I have a police report and an affidavit, I will file a complaint with the FTC and business bureau. And a lawsuit to collect accounts that were opened under fraud. If you want to talk something, you will have to do it with my lawyer. For the lawsuit that I am going to file against you. I wanted to take everything for the. Via dialogue, but abuse and disrespect can not tolerate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX XXXX NO MISSED payments/ NO BALANCE cancelled due to loss/ stolen XXXX reported XXXX XXXX XXXX 11 years ago. 
can not reach anyone regarding account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I admit that I looked into the offer of a loan from netcredit ; however, once I viewed the repayment terms and APR, I did not execute an e-docu sign. So, I never signed to receive the funds, but the funds were deposited into my account the next day. 

At the time I was in need, so I used the funds. To date ten months later, I have repaid over {$2500.00} on a {$3300.00} loan, but the current balanced owed as of today is {$3200.00}. So of the ten months of payments of $ XXXX  monthly only {$100.00} has gone toward the principal.

Additionally, I am requesting this lender provide verification or validation of the loan by producing an e-signature to show that I endorsed deposit of the proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX  XXXX, MD XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX XXXX , MD XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  I XX/XX/XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 non-monetary relief