BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called the bureaus after noticing some inquiries I didn't authorized and they are still being reported on my credit report. I also dispute account that doesn't belong to me that they said is verified but when I contact the company they said they never been contacted by bureaus. There is also accounts that where removed then put back on my report with same information just different date, which is invalid reporting and violation of my rights. There is address and names that doesn't belong to me, that's being reported on my credit report. There is a social security number that do not belong to me, that is listed on my most recent reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX, my mortgage lender, aimloan.com, has been requiring monthly contributions to my tax escrow account that are almost twice as large as necessary. When my mortgage payments started in XX/XX/XXXX, they were collecting $XXXX   per month, which was more than sufficient to pay my property taxes for the XX/XX/XXXX tax year. After paying the first installment in XX/XX/XXXX, there was a balance of $XXXX in the accout. After paying the XX/XX/XXXX installment, there was $XXXX left in the account.

In XX/XX/XXXX, aimloan.com more than doubled my required contribution to the tax escrow account even though annual tax increases on my property are limited to about 1% (due to California Proposition 13). I pointed this out to them at the time, but since I did not have the bill for new tax year, I was ignored.

Now I have received the new tax bill and aimloan.com has made the November tax payment leaving a balance of $XXXX in the escrow account, which is $XXXX more than is necessary to make the XX/XX/XXXX tax payment. This overage is more than 1/6 of my total tax bill ($XXXX) which I believe is the maximum amount allowed by RESPA. Yet aimloan.com has refused to return the excess or lower my required monthly escrow payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: LA
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:
Approximately  XXXX / XXXX /   17  I sent a certified letter as well as a photo copy of a returned mail I received and asked Experian to remove the creditor due to inaccurate information of wrong address being reported. They have failed to comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Debt collection agency called Financial Services has been contacting my boyfriend about my debt instead of calling my phone number.  They've given him information about me such as the doctor the bill is for and the amount I owe.

I also tried to contact them to resolve the debt by offering to make monthly payments via autodraft from my checking account and they refused the payment, saying it was not enough per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As a result of the financial crisis inXX/XX/XXXX, I was hit hard after just purchasing a home. I got married in XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two XXXX credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.
The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my credit score. I hired an attorney to help me with this. The attorney pointed out that the Statute of Limitations had expired on both accounts since my last payments on both accounts were in XX/XX/XXXX. I filed disputes with the three credit bureaus. One removed the two Chase accounts from my file. Two others, Experian and XXXX, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credence Resource Management representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 3 months. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Neighborhood Capital Funding, Inc.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am trying to pay my balance off with additional payments. When i make an extra payment, my money is transferred to a 2nd escrow account and not applied to my principal. 
For the last month i have been trying to pay the entire balance and my request for the final balance have been ignored. I cant get the final balance from my mortgage statements because they have my money in multiple accounts and every month the balance owed is incorrect. The Transaction activity is confusing and my funds still have not been applied to my balance. 
It has been a month and i still have no idea how to end this relationship and take ownership of my home.

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 2021-11-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took my information, and somehow they got my wrong mailing address on their system they had XXXX XXXX XXXX which is not an existing address at all. my real address is XXXX XXXX XXXX XXXX NY XXXX so i couldnt make payments because i didnt receive any bills or documents. when i realized the issue i contact the bank and they told me they will take care of the issue, and they agreed to take of the late from my reports since the issue was on their end. name of representative was : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Ditech Financial LLC
State: AL
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:
My wife and I sold our home in XXXX and closed onXX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that Ditech reported us 60 days past due for the months of XXXX and XX/XX/XXXX. How could this be we paid off our mortgage in XX/XX/XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested Ditech to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at Ditech with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! Ditech has yet to return any of our calls. Unprofessional to say the least!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for several times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

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 2021-11-15
Company: EQUIFAX, INC.
State: FL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At XXXX XXXX, number called me, I did not answer. Then immediately after, the same number called my family member on a cell phone. 
This debt is from over 10 years ago with my ex husband. Company continues to contact me for payment of a couple XXXX dollars that was written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15
Company: Experian Information Solutions Inc.
State: AL
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:
SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE. EQUIFAX HAS ALREADY CORRECTED AND DELETED.   XXXX   AND EXPERIAN HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   XXXX   XXXX   XXXX  NEVADA  )    XXXX     XXXX   (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM  XXXX  AND EXPERIAN. AND   XXXX   XXXX   FROM  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 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1 ) XXXX XXXX XXXX reported Delinquent, which incorrect, was dispute and was trying to correct 2 ) TransUnion Credit Reporting wrong information on Delinquent, and recent credit inquiries 3 ) XXXX Credit Credit Reporting wrong information on Delinquent, and recent credit inquiries 4 ) XXXX Credit Reporting wrong information on Delinquent, and recent credit inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PORTFOLIO RECOVERY representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I 'm having a few problems. I first need hard copies of all   XXXX   credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and   XXXX   has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not.   XXXX   has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I 'm having a few problems. I first need hard copies of all  XXXX  credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and   XXXX   has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not.   XXXX   has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.

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 2017-06-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
1. Shell credit Card / Citibank ( South Dakota ), N.A. Shell billing Statement XXXX XXXX, Card ... XXXX, added {$27.00} Fees Charged. Shell Representative, XXXX, XXXX, on XXXX, stated my payment was 30 days late. It was mailed XXXX XXXX, XXXX. She could not delete a late payment. I have been with Shell sense XXXX, with no previous problems. Request late payment be deleted and credit my account and no effect on my credit rating which is over XXXX. Shell Consumer Payment Dept., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KY. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX TX XXXX CiTi Card XXXX Shell Card XXXX Thank You, Senior Citizen, 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 monetary relief
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account # XXXX reported a late payment of 30 days on XX/XX/XXXX in the amount of XXXX dollars, and XXXX XXXX XXXX XXXX reference # XXXX on XX/XX/XXXX reported a Chapter XXXX and in doing so 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 information 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 2021-04-18
Company: WELLS FARGO & COMPANY
State: HI
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:
Wells Fargo is reporting unvalidated negative information on my credit profile to the three major credit bureaus 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 2019-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am ( 30 60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my account. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received any collection notice, whether written or electronically, from Waypoint Resource Group or any other debt collection agencies regarding XXXX debt. XXXX was paid directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation