BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a child support account with number XXXX on my credit report that should not be on there. I disputed with the credit bureaus and it was verified. Therefore, I contacted the court house that was reporting the information and they told me that they do not verify information to the credit bureaus. I attached a copy of the letter they sent me. This is a violation of the FCRA and this account should be deleted.

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 2020-08-06
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My issue is with my current mortgage owner/servicer : Vanderbilt Mortgage and Finance , Inc XXXX XXXX  XXXX XXXX, TN XXXX I refinanced my mortgage in XX/XX/2020, which required an appraisal. The refinanced loan came with PMI since my LTV ratio was greater than 80 %. The appraised value for the home at refinancing was {$620000.00}. I recently paid down a substantial portion of my loan so that the current balance is below {$500000.00}, meaning my LTV ratio is now just below 80 %. Because my LTV dropped below 80 %, I requested via phone to have PMI removed from the loan. 

My loan is a conventional loan and my loan documents state that I am eligible to request PMI cancellation when " the principal balance reaches 80 % of the original value of the property '', with the original value being interpreted as the appraised value relied upon by the refinancing lender. 

The first representative I spoke with at Vanderbilt Mortgage told me I am not eligible for PMI Cancellation because my LTV ratio is not below 80 %. When I asked how they were calculating LTV ratios the representative said they take the ratio of the current loan balance to the balance of the loan at origination. Understanding this is computation of an LTV ratio is incorrect, I requested to speak with another representative. 

The second representative also assured me that I was not eligible for PMI cancellation, yet provided different reasoning. This representative informed me that I have a " special loan '' which requires PMI throughout the duration of the loan, meaning PMI will never be removed. I am assuming the representative was misinformed about differences between FHA and Conventional Loans. 

I have since sent a formal letter to the mortgage servicer, but have yet to hear back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
At the beginning of XXXX we received news from our home builder that we would close on it on XXXX XXXX. On Friday, XXXX XXXX, we received from the builder 's ( XXXX XXXX ) lending company XXXX a tax form to authorize them to obtain copies of our XXXX tax statements. By Monday, XXXX XXXX, we had found out that the form was being sent in too late to get copies and still make an XXXX XXXX close date. We also found out that the documents we were requested to send in and that we promptly sent back at the beginning of XXXX were the last XXXX months of bank statements, a copy of our HUD1 form and the contact information for our insurance agent. I had asked the representative to send me an email confirming receipt of the documents and she did. On Monday, XXXX XXXX we found out that all of the documents we had turned over had not been turned over to the underwriters at XXXX and our loan sat for XXXX weeks with no attention to it and no communication to my husband and I as to the status. My insurance agent also called me on XXXX XXXX to relay to me that she received a request for insurance certificate on the new home. The fax that XXXX sent to my insurance agent was dated XXXX XXXX and the fax requested that the insurance company provide a certificate dated as of XXXX XXXX when our original close date on the new home was XXXX XXXX. I have a couple of issues with this fax 1 ) the person who faxed the request to my insurance agent was the same person that I had just spoke with for the first time on XXXX XXXX and had informed me that none of my documents ( e.g., bank statements, HUD1 form etc. ) were on file ; and 2 ) the fax mentioned an effective date of XXXX which does n't correspond with a fax date of XXXX nor a close date of XXXX. On more than one occassion we have been asked to submit documents ( e.g., bank statements, W-2 's etc. ) after we have already submitted them and I never seem to deal with the same person. It appears as if XXXX XXXX has multiple people working on the loan but no one knows what the other is doing. It is at the failure of XXXX that we are now having to move our close date back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues to report my current address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX. I have never lived at this address and I disputed this with Experian, but Experian did not correct this error. None of the other credit reporting agencies list this address at all.

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 2020-08-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX The company above indicates that I have an account with them on my XXXX XXXX Report and I did not open this account .... I am from Michigan and would not or ever have been in Delaware to open this account.. It has harmed my credit score buy dropping several points. It has been reported to XXXX XXXX yet it is still on my credit score ... THIS IS NOT MY ACCOUNT and IDID NOT OPEN THIS ACCOUNT.. I have r=tried to contact Equifax to dispute this account and their web page will not allow me to complete the dispute form online ... ... Apparently Equifax is supplying the misinformation to XXXX XXXX that is affecting my credit score negatively ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Express Recovery Services, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my son XXXX XXXX XXXX. I took him to XXXX  XXXX XXXX located in XXXX Wyoming. He was seen there by doctors and received treatment. Some time in XXXX of XXXX, I received a bill from XXXX  XXXX XXXX. Since I was employed at work for XXXX  XXXX I took care of the bill. I provided XXXX  XXXX with both my sons insurance cards. My son had two insurance at time. He had XXXX and XXXX  XXXX. However in XXXX of XXXX, I then received a bill on a XXXX  XXXX XXXXletter head with its logo displayed and a contact number for Express recovery a debt collection agency. Very shocked and concerned, I called the number and spoke with a lady by the name of XXXX. I explain to her that I believe that someone made a mistake and that my son had insurances that covered the medical bills both XXXX and XXXX. I was put on hold while XXXX stated that she would look into things. After being placed on hold XXXX stated for me not to worry and that both insurance XXXX and XXXX was billed and that the problem was resolved. This month XX/XX/XXXX, I checked my credit report and came across two bills that were sent to my credit report back in XXXX. I then went to XXXX XXXXXXXX XXXX 's financial office and spoke with them regarding the matter. I was told that everything was paid off by both insurance companies and that I owed nothing. I then showed them that two bills were sent to collections and now on my credit report. I then learned that the physicians billed separately. They provided me with the physician office phone number and I called and was told that they have one bill for the date of service for XX/XX/XXXX. I was then told that they never billed XXXX. I told them I spoke with XXXX from express recovery and she told me that they did bill XXXX and XXXX. Again they confirmed that they only billed one insurance. I then contacted Express recovery and informed them of what I had learned and informed them that someone was not telling the truth and that the problem needed to be addressed. I then informed that if they could not fix the mistake and remove it from my credit report then I would be filing a complaint. 
In conclusion I am very upset over this and should not have had to suffer damages to my credit report because of incompetency and someone not doing their due diligence. I was deliberately lied to and false reported debts were placed on my credit report. This is not right at all. I strongly feel that whoever was responsible for sending the bills to be placed in collections should face stiff penalties for such misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: MD
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX Balance  : - ; XXXX XXXX Balance  : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$31000.00} XXXX XXXX XXXXXX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
This home ( mortgage ) was sold on XX/XX/2020 but still shows as an active loan on credit score..even after filing a dispute

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 2015-09-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
U.S Postal Certified Mail No : XXXX GA XXXXCc : ExperianXXXX XXXX. TX XXXX. GA XXXX. PA XXXXXXXX, 2015RE : XXXX- REQUEST FOR PROOF OF CLAIMAccount # - XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Georgia Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: SLM CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When will Salie mar offer contactless technology their cards are not the updated only chip when other banks have them tap and go contactless feature especially with covid but they dont

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion & XXXX have failed to accurately report the following information after disputing. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$1400.00} ( This account is reporting as closed, this account is NOT closed ) XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Credit limit : {$300.00} ( This account is reporting as closed, this account is NOT closed ) These accounts are active/open. 
Due to these errors I have been unable to obtain certain account. I requesting these accounts be updated immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Navient Solutions, LLC.
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: MORGAN STANLEY & CO. LLC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
CFPB Team : I have already submitted what I believe to be data security violations ( Case XXXX ). 

Here are pictures of what I believe to be data security violations at Morgan Stanleys XXXX XXXX. I have n't worked at Morgan Stanley, but these pictures are on XXXX and clicked ( pretty obviously ) inside restricted areas. You can see the work environment.

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 2016-02-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This complaint is similar to the one I filed on XXXX XXXX regarding XXXX. I have since been advised that I should have simultaneously submitted the same against Experian and XXXX. I have submitted my complaints to them by combination of telephone, mail and fax but have received no response of receipt. 
The Experian Report No. is XXXX My Complaint : My credit reports list XXXX with " {$20000.00} past due as of XXXX XXXX XXXX ". This is termed a " serious delinquency '' and implies the loan is open and with payments overdue. It is seriously hurting my credit rating and ability to refinance. ln fact, I have no obligation to XXXX since XXXX lnXXXX, XXXX accepted documentation of that and granted me a jumbo ARM loan. Now l would like to refinance with a Fixed Rate loan but the credit reports by Experian, XXXX, and XXXX are blocking this effort. The fact are as follows : In XXXX, I co-signed the XXXX loan for my sister, XXXX XXXX in XXXX XXXX XXXX, Minnesota. ln the recession, her pay was reduced. XXXX staff advised that we could restructure the loan slightly so she could make payments. I helped her with several payments as we waited for XXXX to work with us. Rather suddenly, XXXX announced that it was foreclosing. Our case was not isolated. XXXX was found to have wrongly written and made loans, wrongly managed them, and wrongly reported on them by several States Attorney Generals, and in a US District Court. My sister received compensation from XXXX following the state and federal litigation. The total compensation was the equivalent of a few loan payments and trivial compared to losing home by my sister and harm to credit for both of us. She seeks no further compensation and her credit has been largely restored in the past two years. 
However, my credit rating is seriously harmed and I can not qualify for the Fixed Rate Loan I would like to replace my ARM. My preferred potential lender states that even though all of my bills are regularly paid including past and present mortgages, they rely on the credit report ratings which will continue to be hurt by this erroneous report, apparently by XXXX as another example of its sloppy reporting finding of the Federal Court. I need my credit reports clear of this approximately 6 year old charge of a serious delinquency on an outstanding loan. Please help. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I lived outside the United States for XXXX years until XXXX 2014, for this reason I had no existing credit rating, even though I was born here and had a social security card. I now find that while I have a XXXX passport, drivers licence and registered to vote and for health insurance ... ..I can not get a mobile phone contract because Experian is giving the impression that someone else is using my social security number. I have uploaded documents to their site, mailed them documents. After waiting for two months and no response from Experian whatsoever, I was only able to finally contact them via XXXX and was then directed to a call center in Texas that took more than XXXX minutes of hold time to actually speak to a representative. He told me I would have to go to the Social Security Adminstration for 'verification ' of my number. I called them and they say the do not issue XXXX. I am between a rock and a hard place. I have no delinquencies. I have XXXX active credit cards but it seems they do not report to Experian. There seems to be no solution on offer ... .and I appear to have a false black mark on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I just want my credit report updated and accurate. i have bills that has been paid through Chapter XXXX bankruptcy XXXX XXXX XXXX Case XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and someone stole and used my personal information to open unauthorized and fraudulent accounts using my personal information. I have been receiving harassing and threatening telephone calls and death threats in regards to the unauthorized and fraudulent accounts. The following accounts are unauthorized and fraudulent : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The following inquiries are unauthorized and fraudulent inquiries : 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 explanation
Consumer complaint received 2017-01-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have never paid a bill late nor have i even not paid a bill. As you will see from the attached credit report. My credit has been pulled without my consent of knowledge XXXX times by XXXX on behalf of XXXX cornell and XXXX XXXX. There is no reason at all for them to pull this and I would like them to refrain from ever pulling again. I have never granted them access to my XXXX and they do not have permission to ever pull my credit. I am asking them to CEASE AND DESIST from ever accessing 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 explanation
Consumer complaint received 2016-11-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I used Experian to access my annual free credit report ( which came with a {$1.00} fee ). I was unaware that doing so had signed me up for a service. 

Last night I saw that a charge for {$21.00} had posted to my card, so I followed up by logging into Experian to investigate. I cancelled a service I did not know I had been signed up for. 

I called customer service, and they were unable to refund my money because more than 24 hours had passed since they charged me. This is an unreasonably short amount of time for someone to be expected to check their credit card statement for serviced they never knowingly subscribed to.

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 2017-02-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I received 2 letters from equifax that stated they " furnished a copy of your credit file for employment purposes '', 1 letter has a company listed and the other just has a blank space where the company should be listed. I have not applied for employment and have worked at the same company for over 6 years. I have attempted to contact Equifax with no luck. 
I contend that Equifax has provided my credit file without my knowledge or permission. The letters also only list the XXXX XXXX letters of my XXXX name and not my complete, legal, XXXX name, making their records incorrect also.

Company response to consumer: Closed with explanation