BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: AMA Advisors, LLC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently originated a home mortgage for a primary residence with HomeBridge Financial Services of XXXX, GA. Only the XXXX payment only was due to HomeBridge, and XXXX took ownership of the loan and loan servicing with two weeks of closing. HomeBridge assured me the first and all subsequent payments could be made to XXXX, this is what we 've done, and no payments have been late. We have since been billed by both HomeBridge and XXXX, whereas the loan and subsequent documents clearly show XXXX as the correct loan servicer. HomeBridge continues to invoice us showing multiple months of late payments and late fees. We brought the issue to HomeBridge and XXXX upon the XXXX mistaken invoice ; HomeBridge would only give a verbal " we 've fixed it ''. Our concern was the HomeBridge mistake could lead to negative filing with the credit bureau. HomeBridge sent an email stating that no negative reporting would occur ; however, this was false. They had made a negative report to the credit bureau based on their inability to correct the mistake. To clarify, HomeBridge sold the loan but is attempting to continue collecting. In doing so, they are applying late fees on top of payments that are not due to them, and now confirmed that they made a negative filing with the Credit Bureau. This is negligent noncompliance with the Fair Credit Reporting Act. HomeBridge states that they are remedying their cascade of mistakes ; however, failing to act on previous verbal and written assurances leaves us in a position to defend our rights, our credit and our money from the clearly dysfunctional and untrustworthy HomeBridge Financial Services, Customer Service and Loan Administration departments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After my XX/XX/2021 complaint to the Credit Bureau several of my credit accounts on my credit file were completely removed. Years of credit history were completely removed off my credit file. And today XX/XX/2021 my credit score dropped 47 points as a direct result of this. I did not ask for my credit account to be completely removed off my credit file. Nor did i ask the creditor to notify the credit bureau to remove the credit account off my credit file. Also i find it very hard to believe that a proper investigation of my disputes were conducted because my employer was not accurate and up to date. How can the bureau conduct an accurate investigation if my employer wasn't correct. Due to these inaccurate information i believe that my request of the removal of delinquent payments. As well as an update of my name with the spelling of my full last name and middle 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 2017-02-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX XXXX Bank, I sent a letter along with a check to XXXX XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX XXXX Bank on XXXX XXXX, 2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX XXXX, I then spoke with XXXX XXXX on XXXX XXXX, 2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.

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 2017-03-16
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Loan was opened by mother who has similar name and signature as me.

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 2016-03-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. I have disputed XXXX XXXX fraudulent account with Experian several times providing police reports and affidavits. I have contacted XXXX XXXX and provided them with the same information. XXXX XXXX agreed to have the account deleted from my report.Other XXXX bureaus deleted the account from my report immediately. Experian keeps verifying fraudulent information and refusing to correct my report. Experian is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my 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 2015-06-20
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
experian is not providing my credit score and report and is affecting me as I can not refinance my home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: GUARANTEED RATE INC.
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received an adverse action notification. I did not " apply '' for a loan, only made an inquiry about rates. The agent said he would do some investigating on how he could get me a better rate. He made several attempts to contact me but I did not respond because we were not prepared to move forward with his company. A few days later I receive an email an adverse action notification???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian just updated my credit report stating that the account reported by NY state child support enforcement is still showing a balance of {$1500.00} as of XXXX. This is information is false and incorrect. That account has been paid in full and verified to me by NY child enforcement. Kindly remove this negative information from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
have made XXXX 8 month payment on time and refused to removed potentially negative on a active account. XXXX I did a them modified my loan my of last years and for XXXX, XXXX and XXXX 2015 i did trial period payment of around XXXX each. My payment after trail period is XXXX on my credit report its shows XXXX 30 days pass due. XXXX shows 60 days pass due, XXXX shows 60 days pass due.That 's were the credit reporting company are showing me pass due .please make them correct this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EXPERIAN fails to remove the XXXX XXXX XXXX account. EXPERIAN reports incorrectly that this account has a credit limit of {$67000.00}. EXPERIAN reports incorrectly that this account is revolving. EXPERIAN reports incorrectly that this account has a past due amount of {$64000.00}. XXXX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2015-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXX old have XXXX and I 've worked my XXXX off for everything I have.What should I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04
Company: Credit Management Control, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Management Control , INC. is reporting a debt that is older than 7 years and they are not reporting the proper amount owed to Equifax. 

I received a letter from your Credit Management Control, INC. on XXXX/XXXX/2016 about a debt. 

On page XXXX of the letter Credit Management Control sent me on XXXX/XXXX/2016, the top of the page lists the date when this account was established as XXXX/XXXX/XXXX. 

Credit Management Control 's letter states on page XXXX that {$11.00} is allegedly owed, the amount furnished on my Equifax credit report is {$12.00}. The original amount furnished to my credit report by Credit Management Control was {$200.00}, the total amount calculated by adding the self-balance on page XXXX of the letter is {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian is reporting incorrect personal information. 

Inaccurate names : XXXX XXXX XXXX XXXX ( there is no space in my name, please delete ) XXXX ( there is no space in my name, please delete ) XXXX ( name spelled wrong, please delete ) XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete and there is no space, please delete ) XXXX ( last name incomplete, please delete ) XXXX ( name incomplete, please delete ) XXXX ( there is no space in my name, please delete ) Inaccurate Addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY 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 2016-05-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I paid {$1.00} for an annual credit report and was automatically signed up for a {$22.00} a month credit reporting service which I did not want nor was it made clear that I would be signed up for.

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 2016-02-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My credit score is being artificially lowered by these companies ' policies of having multiple credit report or score requests adversely affect one 's credit score. How? 

( 1 ) Searching for a home and shopping for the best mortgage/financing has generated multiple reports which they claim indicate some sort of " problem. '' We placed offers on XXXX homes - both failed their home inspections, so we did not purchase either XXXX - which generated more reports and lowered our score even further. 

( 2 ) Our report said we had a " too high balance-to-limit ratio '' on our bank card. It averaged {$2500.00} on a {$5000.00} limit. So we raised the limit to {$7500.00} which generated yet another report. 

( 3 ) We are actually pre-approved by a lender, but because it 's been hard to find a home within our price range, enough time passes that they will pull another credit report if we make another offer on another home. And then our score will sink once again. 

( 4 ) We have pristine credit, yet our score has dropped XXXX points in the past six months, all due to this bizarre policy. 

( 5 ) I went online to dispute this but they say, in writing, their " policy '' does not allow this to be disputed. So according to them, there is, therefore, no means to resolve this. 

( 6 ) We are now afraid to look for a house or financing for fear of lowering our credit score even further. This is insane.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Experian Information Solutions Inc.
State: MN
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 am a victim of identity theft and theres fraudulent accounts and negative information currently listed on my Clarity Services Consumer Report. All the accounts and information currently listed on my Clarity Services Consumer Report is fraudulent, not my information and dont belong to me. I am a victim of identity theft. I was just released from prison and was incarcerated for the last 17 years. Review the attached document. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : 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 2015-09-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a wireless device through XXXX. I had an absorbent amount of data charges in the span of three months back in XX/XX/XXXX. The fraud department was called, and the IT department were called to investigate the high data charges in XX/XX/XXXX. I had been a customer since XX/XX/XXXX and had never gone over my data cap. A ticket was opened. A gentleman from the IT department called in XX/XX/XXXX and said that he could see a lot of streaming at odd hours. I told him that I did some streaming but it should not be {$700.00} worth of streaming. 

I immediately disconnected, removed the battery from the wireless device and put it in a drawer. I called again to find out what information the ticket produced. I spoke with an IT manager XXXX XXXX in XX/XX/XXXX. She told me I was still incurring charges. I told her that could not be because I took the device apart. I was prepared to pay what I owed but not if the device was malfunctioning and still continuing to incur charges when it should not. To ensure I would no longer incur more charges I asked XXXX to close my account. She said she would dispute the charges, but could not do it until the billing cycle completed. Both bills were disputed and I have been waiting to hear the results. 

I have called several times during the waiting period in XX/XX/XXXX. I spoke with another woman who told me a Diamond ticket had to be opened. She told me she initiated the Diamond Ticket. 

I received a call that my bill was going into collections. I called Customer Service again in XX/XX/XXXX to let them know I was waiting to hear back on the results of my ticket ( dispute ). The customer support person told me he would notify the collections department to wait until the ticket was resolved. 

I received notification a week ago that my credit report was updated in XX/XX/XXXX. I saw the XXXX bill listed. It should not have been listed because I never received a resolution to the investigation. There should be a credit due back to my account because I know there were issues with the device. 

It would appear that the collections department and the Customer Service Department are not communicating. In fact, the woman I spoke with last week at the Collections Department said she did not see that a Diamond ticket or any ticket had ever been opened. In addition, I asked to speak with a manager and one was not available. They told me I would receive a call in 24-48 hours. That was four days ago. I have not received a return phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
U.S. Collections west contacted me at the place where I rent out a space for employment. Once then identified themselve I asked them to not contact me at that number, I provided a contact number with my home address where I can be reached. This was on or about the XXXX of XXXX. I then receive a letter on the XXXX of XXXX for this debt to my place of employment. Now where I rent the space of for my employment is in jeopardy because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2020 after pulling my credit reports, I noticed a negative account being reported by the company LVNV Funding LLC in the amount of {$1300.00}. I was not aware of who this company was and have never received any information from them pertaining this account nor had I ever received any notification or documentation from this company informing me that I could dispute this debt or that they would place this information on my 3 credit reports. 
I reached out to the company LVNV Funding LLC in XX/XX/2020, requesting a validation of debt since I had no knowledge of who this company was and had never conducted any business with LVNV Funding LLC. ( See attachments ). 
As of today, I have not received the items listed in the letter and the items continue to report on all 3 of my credit reports. 

The Consumer Financial Protection Bureau ( CFPB or " Bureau '' ) issued a second debt collection final rule that : clarifies the validation information and disclosures that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model notice containing such information, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer 's debt to a consumer reporting agency ( CRA ). Debt collector communication disclosure ; ( I never received it ) Debt collector 's name and mailing address ; Consumer 's name and mailing address ; I ( the debt collector is collecting a debt related to a consumer financial product or service, the name of the creditor to which the debt was owed on the itemization date ; Account number or truncated account number, if any, associated with the debt on the itemization date ; Name of the creditor to which the debt is currently owed ; Current amount of the debt ; Amount of the debt on the itemization date ; Itemization-related information ; ( I never received it ) Information about consumer protections ; ( I never received it ) Consumer-response information ; and ( I never received it Consumer dispute prompts. ( I never received it )

Company response to consumer: Closed with explanation