BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have made several attempts to get an unvalidated bankruptcy removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the bankruptcy was confirmed by. After doing an investigation myself, the United States bankruptcy court does not do any business let alone report to credit bureaus. There is a security freeze on my XXXX data minor file that has been there for quite some time so who received the validation for those two companies?

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 2022-04-06
Company: Torriere Holdings INC
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Spire Recover Solutions is a debt collection company. They contacted me via email which was filtered as spam. Never once did they send me a letter via mail or contact me via phone. On XX/XX/2022 they contacted me by phone foe the first time. Less than an hour later they began contacting former school classmates and people who had no current association with me claiming they were calling from the SRS Office in regards to me. This is completely unacceptable, illegal, and immoral behavior. Do you have any idea how mortifying it is to have someone you haven't spoken to in years contact you to ask if you gave his number to a debt collection agency? I never even had a chance to return their call before they were broadcasting to the world I had a debt. When I did attempt to return their call, they did not answer multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: LA
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: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX reported a late payment XX/XX/2020 during the coronavirus pandemic when I was told due to my list of employment due to coronavirus my account would be put on hold and not be makes late ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CITIBANK, N.A.
State: PA
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:
XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and DSNB American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.

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 2021-11-12
Company: EZ Mortgages, Inc
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the time in which we were pre-approved for a loan ( the contract was signed on XX/XX/2021 ), and before the end of the loan contingency ( XX/XX/2021 ) ; the mortgage broker was made aware ( by us ) that we had subsequently found that the property ( a two-flat ) could not legally be rented for approximately 1/2 of the year. 

We had completed an application with the broker showing the current ( illegal ) leases provided to us by the sellers as year-round income. We were conditionally approved based on this rental income, but subsequently checked City ordinances and found the leases were not valid. We informed the broker several times that we felt this was materially significant and disqualified us for the loan. The broker told us they could not submit this information to the underwriters/lender and that it could only be discovered through an appraisal, not by the city ordinances. We stated to the broker that the ordinance was determinant on reducing rental income, we asked him to notify the lender/underwriter. He did not. 

The broker never was able to get an appraisal and we could not close on our loan during the determined period and have yet to receive our earnest money ( even though we had a loan contingency ) because the sellers now claim we were not denied a loan. 

We have subsequently found out that we ( through our loan broker ) had an obligation to notify the lender of this change. And that if we failed to disclose material information that altered our status to legitimately obtain a loan, the loan could subsequently be " called. '' We were also informed by the lender that we could not have informed them directly of this material change as the broker was working on our behalf. We have also found out that if this information was given to the underwriters, they would have denied our loan as we would not longer qualify. This denial never came. 

The broker is XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX We have many emails regarding this issue and can submit them if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair Company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CITIBANK, N.A.
State: PA
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:
XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and XXXX American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: TX
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 am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted 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 non-monetary relief
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-06-11
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/XXXX, XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went the Bank of America ATM at the XXXX XXXX XXXX in XXXX, Ca on XX/XX/XXXX. 
I exited my vehicle around XXXX XXXX and proceeded to the ATM with {$2000.00} cash and {$9900.00} in checks. I looked around to make sure it was safe and proceeded to deposit {$2000.00} cash in the ATM. After depositing the money the machine just started to circle round and round then showed a error or failed messaged. I was concerned but then proceeded to now deposit the checks. I completed the check deposits but never saw the {$2000.00} cash credited to my business checking account. So I decided to take a picture of the ATM and phone number to call in about the faulty ATM. I spoke to a rep and told them what had happened and she told me that she had saw the {$2000.00} scanned in but not credited. She stated that it will credit after midnight which it never did. She said not to worry because when they see it scanned in, it will definitely credit to the account. The next day the money never showed in my account and I then called to make a claim. They credited my account {$2000.00} dollars and did a research. They then on XX/XX/XXXX debited the money back out of my account and said no such funds were ever deposited. So now this relationship with BofA is broken since they believe I'm not forth right and would lie after the all account I have with them. My business deposits around XXXX monthly and for me to fabricate this is absurd. On my life I put that money into that ATM and it was never credited to my account. I have explained this to BofA several times through calls and visiting the bank in person. I also filed a police report with the XXXX XXXX department XX/XX/XXXX. I am being put through a lot of mental emotional stress anguish over this theft by Bank of America. Them saying that I'm lying about it that it never happened. I work so hard to make money and I know what it takes to earn it. I'll be seeking legal council soon and I will testify under oath. I will not let a rich bank take hard earned money from my business and tell me to go away. The cameras will tell the whole story of what happened that night. I look forward to my day in court.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX  and XXXX XXXX XXXX. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2017-06-02
Company: Experian Information Solutions Inc.
State: CA
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:
hello, my name is  XXXX   XXXX  and it is regarding a  XXXX  account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agencies  ) .   thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Snow and Sauerteig LLP
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
n XXXX Snow and Sauerteig Collect have been on a mission to ruin my life for 3 years now. I was dragged in and out of pre court hearings for months were they repeatedly told me the only way forward was to sign their documents obligating me to pay over {$5000.00} for some wrongfully charged medical bills. 

At this point I was heavily pregnant, single, raising my XXXX XXXX XXXX working full time and getting through my final semester of college with 7 classes. At the time of my hospital visits ( XXXX ) I was on XXXX but not fully covered due to my immigration status. My coverage was for emergencies only of which I had visited the hospital while XXXX XXXX XXXX XXXX XXXX. Despite having the coverage, I still received thousands of dollars in bills for having a XXXX and visiting the hospital. I found out about a pro bono lawyer XXXX XXXX who was kind enough to fight for my rights and had the 2 cases dropped with no prejudice in no time About 3 months later in XXXX of XXXX another collection amount was added to my credit report without by Snow and Sauerteig without notice and I reached out to explain that I we had already gone through this and had similar charges dismissed with prejudice, I had been overcharged by hospital as a XXXX cardholder and referenced the other two cases asking them to stop doing this to me. At that point I had a moved out of the state XXXXXXXX to XXXX after having my the XXXX XXXX XXXX baby and simply didnt have the time or energy to go back and forth again but Snow and Sauerteig never responded or removed collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-06-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase closed my account and since they did so I can not make payments on the phone. I ca n only do it on the Internet. I could not get to the Internet in time for my payment due the month of  XXXX   2016  and again on the month of  XXXX   2016 . I was told both times when I called in not to worry, since I can not make payments on the phone just do it as soon as I had Internet access. Both times I was assured there would be no late fee. I took Chase at their word. As it turns out they lied. I noticed there was a late fee on my most recent statement and then I decided to verify the same issue I had back in  XXXX   2016 . Sure enough a late fee charge. I contact ed Chase and they said only one charge will be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been having problems with Shellpoint mortgage servicing for over a year. In the year XXXX we had a some financial setbacks and they put us a forbearance plan and then the covid 19 hit us hard and they again awarded us a covid forbearance plan around XXXX of XXXX. We felt comfortable starting our payments again and were told that we had to come up with XXXX dollars up front. We didn't have anything close to that. We hired a attorney firm to work with us and still haven't resolved this nightmare. It's been 9 months and they still seem to make some excuse why they haven't come to a decision. We asked for a modification and they said we had too much equity in the house to qualify. In XXXX of this year they said it was sent to the underwriters and we have not heard anything. They keep telling our attorney some excuse after another. 
Our attorney as asked numerous times to escalate this matter to no avail. It has physically and mentally effected both of us. They have not contacted us by letter, email or phone call in over a year and it is up to XXXX to make it current, which is impossible for us to come up with. We just want to start making payments or go to another loan company. 
thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation