BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Genesis FS Card Services, Inc.
State: MA
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 fair Credit Reporting act, XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Today is XXXX/XXXX/16. I am an officially notified XXXX recent former Federal Employee, that WAS compromised in the successful hack attack on XXXX databases. I subscribed to the XXXX recommended XXXX XXXX Monitoring program. In an email from XXXX, dated XXXX/XXXX/XXXX, I was given a XXXX XXXX. Today I 've accessed my account with them and see that on XXXX/XXXX/16 " an unwarranted '' inquiry was made to my credit report and was described as follows at XXXX : " XXXX obtained a copy of your EQUIFAX Credit Report. " I have not been engaged in seeking new credit that would warrant this inquiry. I am unable to determine whether it meets your before criteria of either " hard or soft. '' To me, it has been UNWARRANTED, and the company requesting LACKED LEGAL AUTHORIZATION from me to do!!! I 've check on line about the supposed name of the company " XXXX '' and see that it 's been linked to numerous complaints in the past. Since this is NOT authorized by me, through a new credit application, I would like to have this inquiry identified as " inappropriate '', and that I as the Consumer be PROTECTED FROM HARM by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX IS STILL REPORTING ON MY CREDIT AND THEY ARE IN VIOLATION. I WROTE THEM MANY TIMES TO VALIDATE THE DEBT AND NO RESPONSE. I SENT THEM A POLICE REPORT AND ITS STILL REPORTING ON MY CREDIT. I NEED IT TO BE REMOVED 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 2022-05-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX IS STILL REPORTING ON MY CREDIT AND THEY ARE IN VIOLATION. I WROTE THEM MANY TIMES TO VALIDATE THE DEBT AND NO RESPONSE. I SENT THEM A POLICE REPORT AND ITS STILL REPORTING ON MY CREDIT. I NEED IT TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home back in XXXX, 2019. Paid my mortgage fatefully on time up to now, all of sudden, I owed an extra & XXXX in escrow. either I pay the whole amount, or my mortgage will go up almost {$200.00} more of what I'll been paying. How can they just do something like that at will whenever they wants to and what can I do about it? ... ... By the way, it's Flagstar Bank.

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 2016-08-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX credit inquires on my credit in which I did not authorize : Equifax XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Hello, I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the credit Bureaus in an attempt to get this issue corrected. The sad true its that I never got an answer. I sent lettters for at least 4 times and never got an update or any kind of corresponde. 

At this point and very much frustrated to keep trying to receive an answer from the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Chase Bank has not honored the terms of its chase closing guarantee which guaranteed us {$2500.00} if the loan did not close on time, which it did not for us. We reviewed the terms of the guarantee, we are fully eligible and no ineligibility rules apply in this case. The entire loan process with them was tedious, frustrating and unpleasant, with the bank dragging its feet and making mistakes. My chase mortgage application was approved on XX/XX/21, Our purchase contract was submitted on XX/XX/21 with a 30 day closing. Because of Chase, the loan did not close on time. The closing did not happen until XX/XX/21. During the process All documents were promptly submitted by us when requested by the bank. Yet the bank was not diligent about responding to us or our real estate agent. There were many instances where we couldn't reach anybody at chase related to my loan and it seemed they were not even working on it. This complaint is specifically related to the closing guarantee but the issues we mentioned are to demonstrate that the late closing was their responsibility. Their response so far has been vague, unethical and evasive. They have not responded to our inquires at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2017-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently filed a complaint with the CFPB about Equifax Consumer Agency refusing to provided me with my consumer credit report. Now, Equifax is falsely stating that I have placed a Fraud Alert on my Credit Report, which is not true at all. Equifax has also notified all the other Credit Consumer Agencies of a false Fraud Alert that I have not submitted at all. Would someone please assist me with this issue please?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Law Office of Brett M. Borland, P.C.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Said company has violated my consumer rights Under 15. U.S 1692e- False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communicationis from an attorney. 

Attached letter was sent on behalf of XXXX XXXX XXXX, which is a violation under law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Colony Brands, Inc.
State: WA
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:
Hello, I contacted Through the XX/XX/XXXX, XXXX XXXX, XXXX ( All 3 same company 3 different accounts numbers ) about verifying my signatures and ownership on all 3 accounts. They have been reporting to my credit bureaus negative information. I have tried to dispute with credit reporting agency 's and they keep saying verified. Yet, I see no proof these accounts were mine. Therefore, I directly contacted the companies 45 days ago asking for signatures and proof. I have not received anything back from the company. The date was XX/XX/2020 on the letter and they received it on XXXX XXXX. I will attach a tracking number and delivery conformation. Below is the letter I sent. 
Thank you- XXXX XXXX Through the XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX, XX/XX/XXXX XXXX XX/XX/2020 To Whom It May Concern, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Through theXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. XXXX Thank you for your prompt assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2021-09-30
Company: Experian Information Solutions Inc.
State: VA
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 opened a Dispute with Experian on XX/XX/2021 for Chapter XXXX bankruptcy it came back valid on XX/XX/XXXX I asked XXXX for validation letter they sent me a paperwork back saying it was validated by XXXX I had disputed it with XXXX on XX/XX/XXXX they had already ready sent me a letter saying the chapter XXXX was invalid removed on XX/XX/XXXX Experian keeps saying its comeing back validated though XXXX and its not I called them I have a copy of my hole XXXX 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 2015-05-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I opened an account with BBVA Compass to get the promotional offer and since I 'm an employee. Into about the third week of having the card it was continuously declined. I called customer service to see what was going on and when my bill was due. I was told the bill had been mailed on XX/XX/XXXX and that day was XX/XX/XXXX. Around XX/XX/XXXX I realized I never received the statement. Come to find out I was told by someone in the fraud department my social was being used by a man in California. I went straight to ordering my credit report but after some thought about what they advised this could not have been correct since I had opened another account with another company since then with no problem. I requested for my account to be closed around XX/XX/XXXX and was advised the amount I owed. They said the statement should be arriving soon. The following week when I tried to set up an online account to just pay the bill online I kept receiving an error that my zip code was incorrect. After some thought I realized BBVA Compass must have either combined my account with someone else or went in and changed my information to an address in California and this is why I was previously told my social had been used by another person. I spoke again to the fraud department and they stated they reopened my account. I advised them I only wanted to make sure the bill was paid in time before I incurred any late fees or penalties. I was informed of the amount owed and was told I could sent the payment thru inter office if I wanted my payment expedited. Before I make a payment I would also like to be aware of what I am paying and not just send money to a company who changing my account information without my permission. I was also told my account would be updated with my correct address. This was the Monday before XXXX and I just checked again on XX/XX/XXXX and I still can not create an account. It is near impossible to get a hold of the correct person on the phone or even just speak to someone in a timely manner. My husband and I plan to start looking for a house within the year and have been monitoring my credit. I would like to receive a statement prior to making a payment and then close my account. I would also like to file a complaint as well for the actions that have been taken on my account. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
IM RECEIVING LETTERS OF INTENT OF FORECLOSURE FROM MY MORTGAGE COMPANY AND IVE MADE MY PAYMENTS I HAVE MADE THE LAST 2 MONTHS OF PAYMENTS AS PARTIAL PAYMENTS BUT THE WHOLE AMOUNT FOR EACH MONTH HAS BEEN SENT TO THE MORTGAGE COMPANY. EVERYTIME I CALL THEY TELL ME THAT THEY DONT SEE WHERE IVE MADE A PAYMENT BUT I KNOW THEY RECEIVED IT BECAUSE IT HAS BEEN TAKEN FROM MY CHECKING ACCOUNT JUST LIKE IT ALWAYS HAS SINCE MY LOAN WAS SOLD TO THEM. THE MORTGAGE COMPANY HAS SENT SEVERAL CERTIFIED LETTERS OF INTENT OF FORCLOSURE AND HAVE HAD A CONTRACTED PERSON COME TO MY HOUSE AND SERVE PAPERS AND WANTING TO TAKE PICTURES OF MY PROPERTY. IM NOT EVEN A MONTH BEHIND ON MY PAYMENT SO I DONT UNDERSTAND WHY ME AND MY FAMILY ARE BEING HARRASSED LIKE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Sunset Management, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$190.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing will not cancel my PMI off my mortgage payment. I should have been eligible to stop paying PMI in XX/XX/XXXX, because I have a good payment history, I am current on the loan, I have no liens on the property, the value of my property has not declined, and I have well over 20 % equity from the original loan value. I sent a written request XXXX, and was denied via a letter I received XXXX. I was denied due to a late payment XX/XX/XXXX and would be eligible to cancel PMI two years after that date. Called in XX/XX/XXXX to ask if PMI could now be removed, was denied again via mail XXXX. Sent written request XXXX and received an e-mail XXXX saying thank you for contacting us, we will send paperwork for you to fill out. Received a letter XXXX saying they were " working to gather info '' I have not been contacted again as of XXXX and my XXXX payment coupon still has PMI in escrow. Also received an escrow analysis dated XXXX that shows me having to pay PMI for another year. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$190.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to resolve this matter with Enhance Recovery since XX/XX/2019, ERC has only provided a XXXX XXXX, I have disputed this account and asked for validation and this has not been provided. ERC has received serval attempts via certified mail about this matter, I have requested to provide me with the following : What the money ERC say I owe is for Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Contract signed by me to ERC about this debt Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service I want ERC to remove this collection account from my credit reports, do not sell or transfer to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
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:
XXXX XXXX XXXX XXXX A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO S0.

Company response to consumer: Closed with explanation