BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: TN
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 am writing this due to non- reportng with ( XXXX , Experian , XXXX ). They have failed to add information that was paid in full do to a real estate flip i did from XX/XX/2007 to XX/XX/2007. I strongly believe that they are in violation of the FCRA and are outright hurting the way i do business with my name.

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 2018-10-07
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently sent in a letter disputing various items on my Equifax Credit report in XX/XX/XXXX and did not receieve a response within the 30 days of XXXX recieving my disputes. Furthermore I recieved correspondence XX/XX/XXXX ignoring my previous disputes. I am requesting that my XXXX Credit Report Reflect Accurate Information and the disputed items listed per the attached document be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Emailed a dispute see below. 

Dear SPS, It was brought to my attention by your Customer Service rep that you have another account under my name. After further investigation your Customer Service rep advised me to submit a Dispute letter. It appears that either a mistake by your company or fraud, identity theft, into your system has occurred. 

I was told that account # XXXX property location is in Florida. I have never live or owned anything in the state of Florida. 

Account # XXXX is not my account and I'am requesting removal of said account immediately. I will also be submitting a complaint to theConsumer Financial Protection Bureau. Please notify me once the action has been completed. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection was paid. To Enhanced Recovery CO L. There was also communication indicating this would be removed from my credit report once paid in full. I paid the debt. However, ENHANCED Recovery CO L continues to report this derogatory information on my XXXX Credit report. This company agreed it would no longer be reported if paid off, which I did. But, they refuse to take information off my report. Please assist. 
Amount owed shows as XXXX dollars. XXXX XXXX XX/XX/2018. Lastly, I have reached out to this company repeatedly with no response after paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was supposed to be shut off from the well on XX/XX/XXXX because the well is in violation of the laws and regulations. I can't get public water yet either they can't even accept our applications. You guys made me pay for water whether it is the well or the public water I can't have either one. In addition to this, why did I have to pay for the survey and XXXX XXXX for it not to be included in the documents filed with the county? 

Why did you decide to go through another foreclosure on me after I submitted a complaint to the savings and mortgage lending department? Was it because the loan originator was cited in the wrong for the 1 to 4 contracts he should have had a part in? BTW my loan should have been around {$210000.00} but then you should also take off the cost of whatever they were since I don't have any improvements. You instead used the first prequalification letter & earnest money contracts to just add costs to my loan.

You gave me 3 closing discloses, and 1 loan estimate, made me sign two Form 4506-T forms for a credit pull, and how am I going to sign a settlement statement for a house that says it's in XXXX, and then you guys switched to XXXX? Why do the Additional dates per state requirement say : XXXX on the XXXX statement for XX/XX/XXXX but not on the XXXX statement that is on XX/XX/XXXX? Also, there's no way I could sign page XXXX of XXXX on XXXX and on the XXXX page XXXX of XXXX printed on XXXX, that's ridiculous especially when in my closing recording they clearly mention that there was no escrow XXXX even present so what the XXXX? But you guys are smart and since the title company is in XXXX, TX I can't get any information from the XXXX location. I have never even been to the XXXX location. 

And why did I sign a new construction statement on XXXX for a house that was an REO/SPEC home that wasn't a XXXX home? Isn't an XXXX like a foreclosure HUD or bank-owned home? Which by the way you did this to all XXXX of our houses and then some and the appraisals homes are all owned by XXXX & XXXX mortgage and sold decades ago? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech offered a " loan modification '' which I took advantage of and received a letter on XXXX XXXX, 2017, confirming my payment amount which did not change. On XXXX/XXXX/17 my bank, XXXX, sent a payment to Ditech in the amount of {$1300.00} which was the balance owed for the monthly payment since there was {$180.00} being held in suspense. The monthly payment is {$1500.00}. Ditech took it upon themselves to use this monthly payment toward " other fees '' which they NEVER said a word about to me! They MUST apply my mortgage payment to the XXXX payment and NOT charge me the late fee which they are now charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
: foreclosure mills co conspirator XXXX XXXX, XXXX a debt collector violating FDCPA rule are submitting notarized documents robo signed and self notary by XXXX XXXX XXXX she signs affidavit of ownership,, then notary he substitute trustee form see attached. She signs AS XXXX XXXX, AND TURN AROUND and signs the notary after she prints the name XXXX XXXX The substitution of trustee was not file in the court or available to the public when this case was file. 
XXXX XXXX SIGNS The afflictive of ownership XXXX XXXX SIGNS signs affidavit of default XXXX XXXX sign as XXXX XXXX, AND TURNS AROUND AND NOTARY THE SAME DOCUMENTS with this boiler plate forms and template form XXXX XXXX signs and notarized her documents ... request FOR DEPOSITION XXXX XXXX ( you have over XXXX attorney in this case non have sign document to certified the truth to fact of the false documents they are filling in court. 
will prove she was hired as a ten dollar an hour employee hired to sign documents and notary her document, robo signs who lack knowledge of what she was signing. 
The previous debt collector XXXX XXXX used XXXX XXXX, XXXX XXXX to sign affidavit when that was challenged the case was voluntary dismiss by the debt collector capital one, Na and debt collector XXXX XXXX, XXXX. 

Connect the dot back the note and security agreement. self appointment of of trustee, no proof of standing, lack interest assignment in lank record states a very different owner defective assignments case voluntary dismiss after being challenged .Connect the dot back the note and security agreement. 
self appointment of of trustee, no proof of standing, lack interest assignmnet in lack record states a very different owner defective case voluntary dismiss after being challenged ssignment FRAUD pattern in land record by XXXX XXXX XXXX XXXX XXXX lack interest no assignment in land record. assignment in land record states a very different owner Defective assignments voluntary dismiss after being challenged by previous substitute trustee see exhibits attached ASSIGNMENTS FRAUD FILLING FALSE DOCUMENTS REQUEST AFFIRMATION BY THESE ATTORNEY AS ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no evidence of XXXX on note attached no proof of standing, lack interest no ssignment in land record no evidence of XXXX on note attached. no document to show XXXX owing the note and mortgage SEE EXHIBITS XXXX CASE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I opened account 7 years ago paid balance for reposition even though they never sent letter of balance but reportedly wrong balance information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I opened account 7 years ago paid balance for reposition even though they never sent letter of balance but reportedly wrong balance information on 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 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information 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 TransUnion was XX/XX/XXXX, but no response 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 information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX Inquired on 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 explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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:
Account Name : XXXX, NA Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX accounts over 10 years both in XXXX balance should be removed from all my credit 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 2022-05-03
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was placed on covid forbearance since XX/XX/2021 which really helped during difficult times. When the forbearance ended, I contacted my mortgage company XXXX Idaho Housing and Finance Association ) to see what my options were. They informed me that I could do loan modification or just resume payments. If I was to resume payments that all the months that I did not make payment due to the covid forbearance will be reported as unpaid and will greatly impact my credit. I spoke with a couple of representatives that informed me of the same thing. I was very upset to find that the help I thought I was receiving during this trying time will very much hurt me financially. I assumed that this was a great program to help all Americans struggling but was dreadfully very much wrong. Feeling that I had no other choice but to do a loan modification. I thought that federal government enacted measures to help. Renters received billions in ad and did not have to pay anything, but homeowners ultimately did not receive any help. Homeowners must pay either by refinancing payments or putting at the end of loan. Moreover, having credit being negatively impacted. I spoke with other homeowners under different mortgage companies, and this was not the same case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: ONEMAIN FINANCE CORPORATION
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: Information belongs to someone else

Complaint:
The following accounts from ONEMAIN inquirydate XXXX, XXXX CARD inquiry date XX/XX/2019, XXXX XXXX inquiry date XX/XX/2019 does not belong to me and therefore I should not have an inquiry from it connected to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Experian Information Solutions 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 status incorrect

Complaint:
Contacted Experian and Explained that most of my account are listed as past due and negative although a Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and Converted to a Chapter XXXX in XX/XX/XXXX. The accounts were updated as negative and Charged off since XX/XX/XXXX. Resulting in my account noting 34 past dues and negative status These accounts should've been noted once and not noted for every month since XX/XX/XXXX. 

I need all of these errors and unverifiable information and error deleted from my files. XXXX accounts that were duplicated and fraudulently opened.

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 2019-12-28
Company: Experian Information Solutions Inc.
State: NC
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 disputing this account for a long time now and all I want is to have this account removed from my credit report. US DPT OF ED ACCT # XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo. I can't wait to blast you on every new channel possible. You are fore closing on my house.. I have sent in numerous papers numerous times because '' we didn't receive it : .. XXXX claims have been filed on this account because XXXX XXXX has had XXXX and has been on XXXX and oh wait we never received that paperwork... And then we asked to cancel the XXXX coverage. Oh wait you never received that paper work either. Now we file a complaint because once again we have been giving false information we were assi6a contact. That contact I have called SEVENTEEN times... Apparently when I call her phone doesn't work. She promised to call me on Thursday XX/XX/XXXX after XXXX... Here we are Sunday XX/XX/XXXX... No phone call... I am taking this every where... The news... Court. Absolutely everywhere. Shame on you wells Fargo... Refund our XXXX money from when XXXX had XXXX ... And that Will cover the mortgage. I will get this public. You will be shamed for this and our discrimination of treatment

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 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filed a dispute and a request for a Bankruptcy on my credit report that was inaccurate and was not aware of the source. The file was removed upon failure to verify and then placed back on my report with no notice.

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 2019-12-28
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reference is made to a letter dated XX/XX/2019 from LVNV Funding AKA ReSurgent Capital Services to you. According to the last paragraph of the letter upon receipt of full payment of the accounts the status of the accounts will be changed to Settled in Full and a request to update the account will be submitted all Credit Bureaus indicating this Account is Paid in Full for Less than the Full Balance. 

In addition, pursuant to your letter to the Consumer Financial Protection Bureau you agreed to remove these accounts from Collection Status upon satisfaction of the agreed settlement agreements. These accounts have been settled and you or your third-party agents have received payments in full. I can provide necessary documents if required. LVNV has yet to respond to my fax/letter attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: NC
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 disputing this account for a long time now and all I want is to have this account removed from my credit report. US DPT OF ED ACCT # XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS mortgage provider is servicing two of my loans. 
On one of the loans they 've lost a payment for the month of XXXX 2017. I  did send a payment and have a cached check image on file with my bank. 
SLS have received payments for both loan accounts for all other months - not a single missed payment. SLS also received payments for the month of XXXX - on both accounts. Yet they 've put my account into delinquent state - not giving me a courtesy call or a grace period to react to the XXXX statement and realize that XXXX payment on one of the accounts was not posted. 

I have provided SLS with an image of a cleared check, all the data necessary to prove that payment was received by them, yet I 'm still in delinquent state. I 've recently located the funds too and called their customer service to explain that they mistakenly posted the payment to the other loan account that I have with them. 
Their response is that the delinquency will be removed once funds are transferred to the correct account. Their original quote was 60 days to handle this issue. Now I 'm getting a quote of at least 10 business days to transfer money to the correct loan account. 

I 've asked SLS if this delinquency has been reported to my credit history and they confirmed that it has even though consumer should have 60 days to appeal any financial issues prior to being reported to the credit bureau. 

I would like the poor service provided by SLS to be reflected on their public rating and record. 

I would also like to make sure that their mistake does not get reflected on my credit history - neither now nor several months down the road.

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