BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: UT
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:
We have a bankruptcy on our credit file. Equifax is showing two different discharge date. We have contacted the US BANKRUPTCY COURT. And received the information needed to show the error. We have spoken with XXXX XXXX the reporting agent for equifax. They now have the correct information. But each time we submit a dispute they say that they have verified the information. 6 disputes. All have the wrong information still. No prof of them contacting XXXX. The docket number on the report they give with the false information. Is not a US BANKRUPTCY docket number. They lie and say they are verified the information. Which is not true. Im trying to close on a mortgage loan and this error is stoping it from being funded. I have spoken with there representatives several times. They refuse to fix the error. We have provided mutable legal documents proving the error. Even contact information for the agent with the US BANKRUPTCY COURT! I need this fixed to get my mortgage loan! They are the only one of three reporting agencies reporting this error. I have my attorney working on this issue. But it takes 90 days to complete. I dont have time for that to happen. This has been in dispute 36 days now!! 6 disputes mutable documents proving the error!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, 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 have submitted several written requests to Equifax Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.

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 2020-04-06
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:
The credit bureaus are not processing my disputes on several accounts. I have submitted several letters requesting validation and method of verification yet I have gotten generic responses regarding these alleged accounts.I have notified the credit bureaus that XXXX 's has falsely reported a payment was made on this account as of XXXX 2019.This creditor is attempting to re-age this account and I have requested validation on 3 separate occasions and nothing has been changed. 
XXXX FORMERLY XXXX is reporting a balance owed on this account yet no notice of deficiency was ever sent out nor has this account been properly validated as requested. 
XXXX XXXX is reporting late payments that never occured due to the fact that this account has been on forbearance and deferment and is now being serviced by XXXX. In addition, there are several duplicate accounts being reported. 
I believe that the credit bureaus are not accurately reporting several accounts in which I have requested validation as well as method of verification. To this date I have not received any of the proof requested.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Without consent.

15 U.S. Code 1681q - Obtaining information under false pretenses An action to enforce any liability created under this subchapter may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, not later than the earlier of XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX 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 XXXXXX/XX/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 2020-10-06
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/2015 received a MasterCard from Net Spend Access associated with XXXX XXXX   which was received unsolicitated. 
Have tried, unsuccessful, to contact both Net Spend and XXXX XXXX with great difficulty in obtaining phone number and not being able to talk to anyone. Customer service number requires account number and personal social security number without which no contact. Have emailed via their site, that this card was unsolicitated and asked who authorized same. I have destroyed this card and will tell all I know to be wary of unsolicitated credit/debit/ cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I apllied for a XXXX Credit Card and Equifax, minused my Equifax score by XXXX points. My score went from XXXX to XXXX in 24 hours. This is not fair. I was only applying for a credit card to have revoling credit on my credit report in order to purchase a home thru FHA. They have ruined my chances of purchasing a home by minusing my score by XXXX points in XXXX hours. I called and wrote Equifax on many occasions due to they will not take old credit history from 15 years ago off of my credit. I called and they told me every time I do a credit dispute it stays on for 10 more years. I am sick of Equifax. They have ruined my credit for long enough. I need all of those old accounts off of my credit. And my points put back on my credit score. They should not be taking XXXX points for an inquiry on your credit for a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern, On XX/XX/2019 Citi identified a fraudulent charge on my Government  travel card for {$35.00} from XXXX. I subsequently filed a billing dispute but the issue went unresolved. In XXXX, I was contacted by Citi saying that my card was in collections for the same charge. I spoke to the fraud department and was told since the charge was outside of a 60 window there was little Citi could do. I paid the {$35.00} since I want to keep my credit in good standing. I find the actions of Citi to be deplorable making the customer pay for fraudulent charges. In addition, as an XXXX XXXX   XX/XX/XXXX  service member, my PII was compromised during a data breach at the XXXX XXXX XXXX XXXX ( XXXX ) from the XXXX to XX/XX/2019 timeframe. This just so happens to be before the fraud charge. The fact that a billion dollar industry was harassing and is charging a Veteran {$35.00} for a fraudulent charge is beyond disgusting!

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 2015-10-05
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I received a threatening letter in the mail stating that if I do n't pay {$1300.00} by XXXX / XXXX / 2015 they are going to take repossession of my vehicle. After I have made XXXX car payments and they know I 'm out of work from giving birth to my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I had disputed and tried to get some late payments that were reported by mistakes made on the banks behalf to no avail. I sent in the letters received from the creditors apologizing and wrote my letter to the bureaus requesting a dispute and to please review my documents. This company I feel has done right by me until now. Now I feel like because it was the holiday season that my stuff does n't matter. I did file a complaint and I hope this lack of responding is n't retaliation. I 've downloaded some more documentation showing missteps and violations of credit report on behalf of this company. let me know anything else thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i made by last mortgage payment on XX/XX/XXXX But back in XXXX I was in a foreclosure process and I apply to the Hardest Hit Program and they paid what I was behind to bring my mortgage current But because of the foreclosure there were lawyer fees and the Hardest Hit Program will not pay lawyer fees. In XXXX when I spoke with customer service with Bank of America they said I could make payments on the lawyer fees. So in XXXX i made a {$200.00} payment When I called in XXXX to Make a {$500.00} payment they refuse the payment Because they said my loan had mature on XX/XX/XXXX so I can no longer make payments on the lawyer fees. So now I needs to pay the lawyer fees in full by XX/XX/XXXX or if fail to satisfy the fees may result in a foreclosure. So any information or help you could give me would be greatly appreciated Thanks

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 2015-12-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a new issue with Wells Fargo Home Mortgage. In XXXX I had this loan discharged in bankruptcy. Because I am XXXX XXXX XXXX and protected by SCRA they could not come and foreclose on the home included in the bankruptcy. I am currently trying to get financed for a new home loan and when the underwriter pulled a Fraud Risk Score it showed XXXX separated dates in which Wells Fargo filed a Notice Of Default XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never received any NOD in the mail and I question the authenticity and legality of it. In XXXX we sold the home that was financed by Wells Fargo no one informed us that we could attempt to sell it after bankruptcy. When we filed bankruptcy we owed Wells XXXX the home sold for XXXX and we still had to close as a short sale because of all of the ridiculous fees Wells charged. It 's time that someone looked into this situation we have filed numerous disputes without action. How much destruction is XXXX company allowed to cause before action is taken. I will now not be allowed to get financed for a new home because of the Notices of default placed on my record ; this puts my family and future in even further distress. I called and asked Wells Fargo for letters stating that " the NOD was filed in error but we are continually put off. I am attaching the Fraud report and my bankruptcy paperwork as evidence. Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: GA
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 1. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX, IL XXXX ) 2. ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) 3. ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX ) 4. XXXX XXXX XXXX XXXX XXXX, Ga XXXX ) 5. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) 6. ( XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ) 7. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) 8. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN 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 non-monetary relief
Consumer complaint received 2020-04-06
Company: Fay Servicing, LLC
State: MA
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:
Fay Servicing , LLC ( listed on the credit reports as FAY FINANCIAL, XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ) continues to report incorrect information about my account to credit reporting agencies. 

I have reported these inaccuracies to the credit reporting services XXXX and XXXX, which have in turn reported them to Fay Servicing. But Fay Servicing continues to refuse to fix these problems. 

I have repeatedly asked Fay Servicing to correct their inaccuracies, both via voice-mail ( they never answer the phone ) and most recently in an email to my account XXXX, XXXX XXXX XXXX XXXX ) on XX/XX/2020. XXXX XXXX has never replied to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: AK
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 submitted a complaint about incorrect information being reported on my credit report. its been well over 30days and i have not received any information about the results or status of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. 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 {$5100.00} XXXX XXXX {$2300.00} XXXX XXXX {$320.00} XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Beginning back in XXXX of 2016, I start applying for personal loans offers from XXXX.Then around XXXX and XXXX 2016 I beginning getting flooded with emails and text offers for online personal loans. So by XXXX loan companies begin soliciting and trying to reach me by phone and this one company that sounded familiar to me, XXXX XXXX told me that they approved my online application for {$2600.00} and they would be sending me the documents via email and transfer the first loan installment of {$710.00} through mobile banking account this was XXXX XXXX, 2016. Well everything seemed okay until XX/XX/2016 because i always check my wells Fargo accounts everyday. I know that on XXXX/XXXX/16 my checking account was a+ {$24.00} and then on the XXXX/XXXX/16 {$310.00} was add that i did n't deposit into the account, so i called wells Fargo . So in between the XXXX/XXXX/16 and XXXX/XXXX/16 wells Fargo let money that they knew was stolen from another bank account sit in my account as if it was mine as i thought the loan was legit but they took me on a round & round fight with their bankers as they came too a conclusion that i was scam, but i dispute the chargers to my checking account which was a - {$510.00} or maybe more but they ruled in my favoer and yes they took {$140.00} off and told me that it would be my responsibility for the remaining - {$410.00} balances

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: LENDER LIVE
State: VA
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:
Lenderlive has reported the one payment covered by my bankruptcy as a late payment n umerous times on my credit report, lenderslive,   XXXX   XXXX    XXXX   XXXX ,  XXXX , Colorado  XXXX , telephone #  XXXX , the dates reported are from  XXXX  to  XXXX . They show on my credit report as LNDERLIVE  XXXX . My bankruptcy was in   XXXX   for that one payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 submitted a complaint about incorrect information on my credit report, it has been well over 30 days and I have yet to receive any information regarding an investigation or the status of my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband passed away in XXXX of 2013. We had a mortgage with XXXX XXXX XXXX ( servicer ) When I tried to have everything turned over into my name I was told that I had not signed the note therefore I would need to assume the loan. My loan was than transferred to Seterus INC . I have been working with them for the past year to assume my mortgage but they are behind in the assumption dept. so my documents are expiring and I have to re-submit. I spoke to someone today that said I need a Non Recourse Assumption ad she was going to try and get info for me and I should call her back in a week. Seterus is a servicer for XXXX who purchased my loan from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a loan modification application to Seterus, over two months ago and the company refuse to process the application and refuse to give me information concerning my loan. I received a letter from Seterus, requesting my attorney 's information but I do n't have XXXX. The company also incorrectly calculated payments from Florida XXXX XXXX, applying more interest than the contracted amount.

Company response to consumer: Closed with explanation