BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that VALLEY CREDIT would verify the debt. So I took it upon myself to ask VALLEY CREDIT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXXth. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   2016  our  XXXX    XXXX   loan was transferred to Lonecare.    XXXX   2016 we  noticed a double paym ent ( {$1300.00} ) of our mortgage to Lonecare.  I (  XXXX   XXXX   XXXX   XXXX   ) call Loancare to  inquire if indeed we were double billed. The agent I spoke with seemed to think so but told me i Needed to request a review and gave me an email to do so. We received an email ( attached ) that showed my original email along with assurance that  Loancare would look into our concerns. Approx a month later we received a check from Loancare f or the above amount. We assumed this was the answer to our inquiry and the case was closed.    XXXX   2016 we  received a delinquent notice for  XXXX . I contacte d Loancare an d they told me that I asked for the reimbursement and the obliged ; made no sense to me that a mortgage company just return a check knowing it needed to be applied to  XXXX  statement!   The supervisor i spoke with was unwilling to see our side and told me there 'd be late fees and credit notification if I did n't remit payment within 15 days.   I contacted an Attorney and he sent a letter . ( attach ed ) After a response letter from Loancare that they would look into the matter, they sent a letter saying we requested the funds and they did what we asked.    Another letter from attorney was sent and again the same procedure and same result ; Loancare will not work with us! I see Loancare wanting nothing better than for us to lose our home. We ca n't afford going after Loancare in c ourt but at the same time we ca n't come up with {$1300.00}. I 'm  XXXX  and on a fixed income.   You 'll find attached documents, emails, attorney letters and statements.

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

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

Company 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 2020-03-20
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank Of America is trying to charge interest on PURCHARES made while there is a balance from a 0 % promo on my account. EVEN if those purchases are paid in FULL at the end of the statement period. I paid a Transfer fee of 3 % when I got the Promo offer. 
Is this practice even legal? 

They charged me {$2.00} for having the {$530.00} on the account from XXXX XXXX to XXXX XXXX, 2016.. Since it was not a full Month, the 11.9 % interest was calculated on {$260.00} of the {$530.00} for a total of {$2.00}.

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 monetary relief
Consumer complaint received 2016-09-02
Company: The Law Offices of Burr & Reid, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Burr and Rheid have non stop harassed me with thratening letters without any real cause or even any amount owed and by whom which the debt is owed. Also when you try to contact them they eefuse to answer the phone.

Company response to consumer: Closed
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are mutiple mistakes on my credit file which I descibed in a letter attached

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 2015-09-10
Company: ClosingMark Financial Services, LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
They locked me out of my house without notice. I am not in foreclosure. I am late on my house payment, but not in foreclosure. I moved out of my house XX/XX/XXXX and notified my bank that I was moving XXXX due to a job change ( a permitted reason to move and not occupy the home under FHA loan regulations ). XX/XX/XXXX, I received a letter stating that they just learned that my home was vacant and that I needed to call them within 10 days or they would take steps to ensure security of the home. I called immediately and reminded them that I previously informed them that the home was vacant and worked it out with a representative to XXXX XXXX 's satisfaction at that time. I traveled to the house XX/XX/XXXX and stayed in the home XX/XX/XXXX. I have a friend who regularly checks on the house and who is considering purchasing the house who went to check on it today and the locks had been changed on my house and a realtor box placed on the door. I did not receive any kind of notice that the house was going to be locked up, or I would have told them that I was using the house when I traveled to XXXX visit my mother. I called today to let them know that I can not get into my own home and they said too bad. They informed me that I could not remove the lock to get into MY HOUSE. I am not in foreclosure. I have not received any notice that the house would be locked and I would be locked out and not provided any access. This is a violation of the law and of my rights. XXXX. I understand the law and my contract and this chain of events is a breach on the part of south pacific financial. They have an obligation to inform me and can not lock me out of my own home without proper judicial authority. They also stated this was partially because the utilities were turned off. The utilities are off because I am having the house completely rewired and new electrical installed. I am ready to sue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: M&T BANK CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Questioning possible fraudulent mortgage by XXXX. I was not working at the time. This mortgage should have never been written, according to several employees at XXXX, because of suspicious appraisal. I have attached a list of at least XXXX reasons why this should have never been done. I was told that I should sign the loan documents and the problems would be resolved after the signing. A manager told me this. The issues were not resolved. Although they did refund the appraisal fee because of major inaccuracies. ( The appraisal said there are no bedrooms in the house because there needs to be a closet for the room to be considered a bedroom- There is only one room, on XXXX floor that has a closet and the appraisal does n't mention that at all ) This loan was later sold to XXXX XXXX XXXX , then before it was sold to M & T Bank , I called and warned them that this was a fraudulent loan and they should not accept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Servicer and investor of mortgage loan # XXXX being serviced presently by Mr. Cooper has added fees beyond which borrower has any ability to pay or recollection of any reason meriting such fees. Total fees to date dating back to XX/XX/XXXX rise up to about {$3500.00} when borrower. According to Mr. Cooper default date goes to XX/XX/XXXX which means these charges were paid but are still being utilized as the total still owed under their reinstatment quote. To prevent foreclosure and attempt to remedy the issues, borrower did made a formal written request for information on XX/XX/XXXX, another on XX/XX/XXXX and a more recent one again on XX/XX/XXXX by phone requesting a complete payment history, amortization, and history of any additional fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: 1ST PREFERENCE MORTGAGE CORP
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We sold our home in XXXX 2016. Painting on the outside was required. On XXXX XXXX, 2016 the painter completed the work. The lender was advised and they were to send an appraiser out to check the work. Several emails and phone calls later, an appraiser has still not checked the work. The painter has n't been paid and the remainder of our escrow funds have not been released.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Verisk Analytics Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS COMPANY IS STILL REPORTING A FRAUDULENT BANKRUPTCY AFTER INFORMING THEM SEVERAL TIMES THAT IT IS FRAUDULENT. THEY WONT EVEN INVESTIGATE THE MATTER. XXXX REPORTS THIS FRAUDULENT BANKRUPTCY CASE NUMBER XXXX BECAUSE ITS REPORTING ON A FILE FROM THIS COMPANY. I HAVE INFORMED THEM SEVERAL TIMES THAT THE BANKRUPTCY IS FRAUDULENT AND THEY DON'T CARE TO EVEN INVESTIGATE THE ISSUE. I FILED A IDENTITY THEFT REPORT TO REPORT THE CRIME AND INCLUDED THAT REPORT WITH MY DISPUTE TO THE COMPANY. THEY INFORMED ME THAT THEY ARE NOT A CREDIT REPORTING AGENCY AND THEY ARE NOT SUBJECT TO THE FAIR CREDIT REPORTING ACT. THIS COMPANY HAS BEEN SUED BY HUNDRED OF PEOPLE REGARDING THE SAME ISSUE. I AM WORKING WITH A LAW FIRM TO START A CLASS ACTION LAWSUIT AGAINST THIS COMPANY. SO FAR WE HAVE A PETITION WITH 998 PEOPLE. THE UNITED STATES COURTS HAVE DEEMED THAT THIS COMPANY IS IN FACT SUBJECT TO THE FCRA AND THEY CHOOSE TO IGNORE IT. THIS IS NOT GOING TO BE ACCEPTABLE. I HAVE LOST OUT ON HUNDREDS OF THOUSANDS OF DOLLARS DUE TO THIS FRAUDULENT BANKRUPTCY REPORTING AND IT ALL STEMS FROM THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought a car in XXXX XXXX. I got a loan through XXXX and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX ) I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a 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 2016-02-04
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Other

Complaint:
I looked on my credit report and I saw that there are ( XXXX ) accounts from Synchrony financial. XXXX account from Ashley furniture and XXXX account from XXXX. I only opened XXXX account and that was with Ashley furniture. I called Synchrony bank and asked them to remove the account and they said that they would but it is still showing up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: AFNI INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Between XX/XX/XXXX and XX/XX/2020. AFNI, INC reported a new credit account to XXXX. The original debtor was XXXX XXXX in the amount of {$500.00}. This was an account that I believe someone else had in my name that was first reported over six years ago. It has now been illegally re-aged and is showing on my credit report as a brand new delinquency. As a result, my credit score has dropped by 19 points. I disputed the action with XXXX, but they often take many months to respond, if at all.

Company response to consumer: Closed with explanation