BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied to Sebonic Financial to refinance the house that I live in. They suggest I refinance my investment property as well. They said the reason for this suggestion was because it would allow me to get a cheaper interest rate rather than refinance with a jumbo mortgage. They immediately as me to pay for XXXX appraisals, which totaled approx. {$1300.00}. They asked me to send them a lot of paperwork and I did. Many times when I submitted the paperwork, they would tell me several weeks later that they never got it. Then they told me that too much time had passed and they would not be able to give me the promised lower interest rate. Finally, they told me to show that I had at least {$20000.00} available to me and it would need to show up in my bank statements in order to constitute the proof they needed. I immediately took {$20000.00} out of my home safe and deposited it into my checking account. Later, maybe three weeks later, they told me that the money would need to be seasoned or vested for three to six months. Finally, after 98 days had passed from the day that I started the loan process they told me that they could not make the loan because they could not trace the deposited funds to any acceptable source. I explained over and over again that XXXX of my commercial buildings that I own happens to be legally licensed as a rooming house and it is an all cash business. I fully explained that I chose not to go to the bank on a daily basis. I further explained that this money was accumulated over a long length of time. I made it very clear that all of this money had been clearly stated on my tax returns, of which they had copies. I suggested they do the math as shown on my personal tax return and see that the amount of income that I reported on my personal tax return was the exact amount show on my XXXX XXXX return. They said that was not the problem. They then declined the loan after 98 days had passed. I immediately asked for my appraisal money back, to no avail ... I COULD NOT FIND A COMPANY IN EXISTENCE CALLED SEBONIC FINANCIAL. If they exist, they do not have a license. I think they are owned by Cardinal Financial. They have completely rejected my request for the CEO 's name and or mailing address. One word perfectly describes them, ..ENCOMPETANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
equifax shows a car repo from 2008 on my report twice all other agencies do not show it at all after i filed bankruptcy which this was covered in the bankruptcy even if it should be there it should not be there twice this is greatly affecting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contacted this company on several occasions this is not my account i also asked them can they validate the debt they have not this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I financed my mortgage XX/XX/XXXX. Servicing of my XXXX Mae-backed mortgage is now in the hands of Seterus , Inc . It went from XXXX XXXX to XXXX and to Steterus, effective XXXX XXXX, XXXX. Due to errors caused by XXXX, I was forced to file bankruptcy XX/XX/XXXX. XXXX used this as an excuse to stop sending mortgage statements and return envelopes at that time. Although XXXX sent me statements for a few months, eventually they too denied me the standard mortgage service of providing a monthly statement with a self-addressed, return envelope. I simply mailed my check every month to a post office box. I have XXXX mailings from Seterus, XXXX with a different variation of my name. I have requested ( 3 times ) that they send a monthly statement with an appropriately addressed return envelope for my mortgage payments to me with MY name in the address. This seems to be a reasonable request to make to a servicing company. How else can I know that my payments are received and my escrow payments are distributed correctly? I have not received any accounting on this mortgage since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Porsche Financial Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft PORSCHE XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: CO
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:
Ive sent two dispute letters in the past 60 days for investigation to remove an incorrect account status - Equifax is reporting a derogatory account on a paid account both XXXX XXXX and XXXX XXXX. They have not provided me any proof from an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On my credit report. It says I owe XXXX to some said company. This was back a year ago. It says dispute was resolved ; customer disagrees. I closed my cable account and gave them equipment back and left for the military. This is till showing I owe it a year later. I want this off. It has no reason to be there. XXXX dollars for a whole year and I do n't get called on it anymore? It is not needed to be on my report and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This was a tax lien that was listed for XXXX XXXX XXXX. It was in error so I disputed the record. The XXXX investigated and reported that the lien was " Released '' but it was in-fact expunged as it was filed in error. I checked with the Court and they show it expunged filed in error. I spoke with XXXX and XXXX from XXXX who told me they use a third party vendor who they refused to identify that the vendor verified the information as being accurate. I asked XXXX what happens when the vendor is providing false information? I was transferred to XXXX ID # XXXX who stated that they disputed the information and the courthouse advised them the lien was released and satisfied. I checked with the court who advised anyone checking would be advised it was EXPUNGED and filed in error. XXXX stated they can not advise how the verified the information because it was " internal policy. '' Clearly they are not doing primary source verification which is a violation of all applicable rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had several hard inquiries placed on my Equifax credit report without my permission by XXXX XXXX car dealership on XXXX 2015. I contacted XXXX XXXX directly and they apologized for the error and sent me copies of the correction letter on company letterhead as well as to Equifax to have the items removed. This first began in XXXX 2015 and still continues today. I also sent Equifax the same letters and they are still refusing to remove the inquiries. I have tried on several attempts but with no success. I also spoke to a Equifax customer service manager and she stated they received all the letters but are still refusing to remove the inquiries. The letters clearly show XXXX XXXX at fault and they are requesting the inquiries be removed due to their error. I am having no success with Equifax at all. Please help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just received a credit report from Equifax. I immediately called them to dispute hard inquiries on my credit report that I had not initiated. I informed them that it must be fraud because I had not initiated the inquiries. They informed me that they were not able to take them off and they do not do investigations on inquires. They basically told me that they would have to stay on my credit report for 2 years. The following inquires are on my credit report and I did not initiate them : XXXX, XXXX, XXXX XXXX, US Department of Education, XXXX, XXXX : : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to get my EQUIFAX credit report. Either the " validation '' questions and multiple choice answers do n't apply ; OR I make it through and then get an online message that they ca n't deliver my report online and that - allegedly - I have to " call ''. I DO NOT WANT TO CALL. With this complaint, I have uploaded my valid driver 's license and a current utility bill for proof of identity. 
Of note, I am XXXX of the many XXXX who was affected by the XXXX data breach of personal info ( name, DOB, SSN, driver 's license number, etc ). I want to check my EQUIFAX report but am unable to receive it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently brought a new house in XXXX 2015. After buying the house throughXXXX XXXX XXXX XXXX they sold to mortgage to XXXX XXXX. 
However, XXXX is displaying on my credit report, so it shows that I 'm payingon over half millions dollars in debt. The house cost {$220000.00} and it showsXXXX on my report. XXXX has sent an control number ( XXXX ) the Equifax and XXXX XXXX andthey have yet to correct the error. Since I have gotten denied credit because itshows I have to much debt. I request to have XXXX removed or correctedASAP! Please assist me with this issues as the agencies have had over 3months to correct this error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Mastercard Ultamate Rewards card through Comenity Bank. I made a cashier 's check payment to payoff my balance through my credit union and they cashed it on XX/XX/2021 but did not apply the payment to my account. I opened a dispute with them and provided them with evidence of the cashed payment and they have not applied the payment. This is unacceptable. The cashier 's check number is XXXX in the amount {$2700.00}. I need this amount to be applied immediately to my balance. I also need any finance charges or fees assessed to my account to be reversed. Enclosed is evidence from my credit union that showed the payment has been reconciled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
1 year ago I disputed XXXX XXXX XXXX transaction that appeared on my credit report Equifax had finally removed it XX/XX/XXXX. As of XX/XX/XXXX they have added back to my credit report and that it was behind 150 days and dropped my rating XXXX points. I have no contract with this company and would like it to be removed. Further more I would like Equifax to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
TO : Equifax - I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be XXXX days or XXXX years. Please correct my years of credit to 10-years, 2-months. 

Also, I have attached my latest email to Equifax for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Account # XXXX - Unfortunately during the period that I have held this paid-for and settled account, I was unable to keep up the payments and fell behind. I was going through a rough patch in life. I am a XXXX  mother of XXXX children who was laid off twice and lost everything in a home fire in XXXX of XXXX. I reached out to the Executive Office in XX/XX/XXXX and I was given a call and told that I wouldn't be able to receive assistance. I emailed again in XX/XX/XXXX and there hasn't been a response. I fully respect my obligations with Capital One & I have worked diligently to amend my relationship with you by regaining your trust. This spring, I was laid off a third time from the pandemic as well. A brief look at my current accounts will reveal that I have successfully made on-time payments with my XXXX, Walmart, & Platinum Accounts since my unfortunate circumstances and I made timely payments while I was laid off during the pandemic as well. Ive recently began searching for a new home for my family & it has come to my attention that because of my previous late payments with Capital One that this could hurt my ability to qualify for home loans. As you know, FICO scores are extremely important in the selection of prospective job, home, and car purchasing applicants. In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by deleting the tradeline. This account is over five years old. If you are unable to delete this tradeline, please remove the late payments off the account. This second chance will allow me to pursue the home of my dreams for my family. In the meantime, I have attached the Police Report & XXXX XXXX Letter from the home fire in XXXX of XXXX and the letter of settlement from the collection agency regarding Account # XXXX ( this account has been notated as Paid at all three credit bureaus ). Thank you for your time & I look forward to receiving a favorable decision from your company soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax Information Services LLC, a credit reporting company, has not provided any proof or documentation that they conducted a real investigation on the items that I disputed with them on several occasions. Equifax has claimed that they have verified fraudulent with creditors that they have never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX. sent me a letter to my email inbox on XX/XX/2016, letting me know that they have deleted/closed the account. I no longer owe XXXX any debt. 
I just received my credit report from Equifax and XXXX showing on my report. 
I would like XXXX removed from my Equifax credit account/report, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a second round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all XXXX credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: IL
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:
On my credit report there are multiple errors reporting from the company XXXX XXXX  XXXX. XXXX being that the account has been charged off in XX/XX/XXXX with two different balances XXXX balance of {$4000.00} reported to XXXX  & XXXX  & {$4500.00} reported to equifax. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. XXXX  reports XX/XX/XXXX, XXXX  XX/XX/XXXX, equifax XX/XX/XXXX. Last payment also reflects XX/XX/XXXX for XXXX  & XXXX  where the last payment with Equifax is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax is reporting that XXXX XXXX XXXX said my prior mortgage was discharged in Bankruptcy. It was not. It was settled in a short sale a year prior to bankruptcy. XXXX, after direct contact, has said I am correct and refuses to acknowledge that they reported it as discharged in bankruptcy.. But Equifax , after XXXX disputes has failed to do a proper investigation and correct the misreporting. They were even provided all the proper documents showing this was not in bankruptcy. They continually tell me it verified electronically. I told them that there is an error somewhere, they do n't seem to care. They have also failed to provide the information of who at XXXX is wrongfully verifying that this was discharged in bankruptcy. XXXX denies that they are verifying this incorrect info. Equifax also provides only XXXX generic contact info not someone who deals with credit or this issue. After XXXX disputes over 1 year this remains uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I wrote a letter to Equifax disputing information on XX/XX/2016. I never received a response. I mailed a follow up letter on XX/XX/2016 and have not received a response. 
I 'm trying to dispute items on my report for specific reasons not addressed before and am being ignored. 
I have attached my letter written in XX/XX/XXXX, with identifying information. I 've also attached the postage receipt with tracking information as proof of mailing in XX/XX/XXXX. The tracking number ends in XXXX on the receipt. 
Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This following account is fraud. I did not open this account, nor did I authorize anyone to open this account for me. 

CONVERGENT OUTSOURCING is collecting on behalf of 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