BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RightPath Servicing is threatening to place FPI ( Forced Placed Insurance ) on my home after I have provided them with a full copy of my current insurance policy. RightPath claims that two words As walls verbiage is needed SOMEWHERE within my policy and this claim is simply ridiculous and a non-acceptable reason to place insurance on my already insured property. Forced Placed Insurance is a scam used by companies like RightPath to increase revenue on an account and their claim to need As walls is fraud. I have had this same type of insurance on my property for 17 years and there has never been such a claim from a lender or servicer. 
RightPath DOES NOT state where in the policy this lack of verbiage is needed which further proves their attempt to impose unnecessary insurance on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I spoke with a representative and explained to them that I have 2 unauthorized inquiries I'm unaware of and I never applied for credit from this company. They told me to call the company and dispute it. I told them why would I call a company I'm unaware of and give them my information. So the representative told me to call the FTC and file a report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX ...., XXXX XXXXXXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am contacting you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon the most, including costumers and potential lenders or employers. 

I would appreciate if you could take care of any names listed incorrectly in your database. My actual name is XXXX XXXX ' XXXX. If you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX, Maryland XXXX. It will ensure the database has accurate information about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
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 information incorrect

Complaint:
My credit report was checked today, XX/XX/22, and it is showing an inaccurate history of 10 late payments on my report. There should not be any late payments shown on my account. Please assist in resolving this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Information belongs to someone else

Complaint:
so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. 
Inquiries from XXXX XXXX  ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my birthday is incorrect which should be XX/XX/1999 my only address is XXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX I do not work for XXXX My name is XXXX XXXX XXXX needs to be removed also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: CO
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-03
Company: SUMMIT FUNDING, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I received a VOM ( Verification of Mortgage ) Letter as I had requested from Summit Funding. When I received the VOM it reflected that my account had been paid 30 days late 6 times within the most recent 12 months. 

On XXXX XXXX I entered a final loan modification agreement with Summit Funding. Since this time and during my trial period before, I have not missed a single payment and my account has never gone over 30 days late. 

On XX/XX/XXXX I called Summit Funding and spoke with a representative who reviewed my account and agreed that my payments had never been over 30 days late since the completion of my loan modification. She also agreed to send me out a corrected VOM reflecting a payment history showing 0X30 late within the most recent 12 months. 

Yesterday morning I received an automated email from Summit Funding dated XX/XX/XXXX at XXXXXXXX XXXX showing 11 X30 late within the most recent 12 months, then I received a 2nd automated email from Summit Funding dated XX/XX/XXXX at XXXX showing 4 X30 late within the most recent 12 months. 

There is obviously a major issue happening with this company 's credit and mortgage payment reporting since my account has never been paid paid since the completion of my loan modification that happened XX/XX/XXXX. 

Attached is supporting documentation verifying my payment history within the most recent 12 months reflecting no payments were made >30 days late. 

XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX I am highly upset with Summit Funding as the representative also offered to forward the VOM directly to a 3rd party lender which would have had horrible consequences considering the information they have provided is incorrect and does reflect my true payment history. 

I feel this is a direct violation of the Fair Credit Reporting Act and should not be tolerated. Summit Funding needs to be held accountable for their actions as this would have resulted in a huge defamation of character and would have prevented me from obtaining the loan that I am seeking from the other lender.

To date, I still have not received a corrected VOM from Summit Funding reflecting my actual payment history of 0X30 late within the most recent 12 months. 

Please see attached and advise at your earliest convenience. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-24
Company: DISCOVER BANK
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:
Discover bank is reporting wrongful information regarding a debt that allegedly belongs to me. Ive sent my identity theft report and dispute letters via mail, to no avail. They continue sending me computer-generated answers and statements, instead of removing it. 

The FTC clearly states that If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) yet Discover continued violating my rights as a consumer to fair and accurate credit reporting. This discrimination and negligence has been going on for YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
not in compliance with metro 2

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 2022-10-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] 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 ) to be in error : Account Name : [ XXXX Account DATE : [ XXXX XXXX, XXXX Reason : [ NEED IT REMOVED HARD INQUIRY ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-08-24
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Square Inc
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
Since XX/XX/2021 I have trying to get my money back from unauthorized charges from XXXX and a canceled order from XXXX cashapp have lied several times and refuse to get my money back from merchants. I have selected these authorized charges at least 7 times and cashapp is prolonging this issue they continue to lie and say ah investigation was open and no updates and then tell me get to my money back from the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received letter XX/XX/XXXX sent letter and they received debt validation letter XX/XX/XXXX. They contacted me XX/XX/XXXX at XXXX requesting payment. They are supposed to stop collecting until they send the debt validation. They reached out to me and family members. I called at XXXX XXXX and they would not let me speak kept talking over me I told them I would verify my personal information and they kept asking me is this for the XXXX XXXX account. I gave him my name my birthdate and asked him what else he wanted and he kept asking me if this was the XXXX XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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:
so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. 
Inquiries from XXXX XXXXXXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my birthday is incorrect which should be XX/XX/1999 my only address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX do not work for XXXX My name is XXXX XXXX XXXX needs to be removed also

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 2022-09-30
Company: EQUIFAX, INC.
State: GA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the account which does not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 information incorrect

Complaint:
my name is XXXX XXXX I am reporting a fraudulent account opened from XXXX XXXX services under my business name " XXXX & XXXX  XXXX XXXX XXXX '' the account is now in collections totaling over XXXX and putting my business credit in a hardship this collection is reporting to XXXX XXXX XXXX, XXXX, XXXX, & Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The Servicer : Heartland ECSI I applied for Loan deferment with this organization as I did with my other two loan servicers. Both of the other two had simple online forms that could be filled online or e-mailed in and one could easily deal with the deferment. Their phone lines are open to deal with students their chat lines are handled with professionals, and e-mails are returned with proper information to deal with their customers as human beings. 

ESCI on the other hand has the worst customer service I have known. Their phone line requires hours of wait if you hold on. They give you the option of returning a call. Which doesn't happen. Their chat and e-mails are a waste of time, that send you back to the phone system, which as I explained earlier, takes hours to deal with.

All documents must be sent through the mail. Which I complied with. When I called them to see what happened to the documents I sent. According to ECSI, the documents did not reach them in time. Which inconsistent with other facts. I sent another package through the mail the same day. it was received and acknowledged before the deadline on the ECSI documents, even though it had to go farther than the ECSI document.

ECSI is not a good loan servicing organization. Their entire system is built upon the idea that people will give up trying to find solutions and pay the loan sharks. Or else their credit might be ruined. Either pay ECSI on time or have your financial knees broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX, XXXX and Experian are not allowing me to get my consumer report. I have requested to get a copy but these consumer reporting agencies have not given me full disclosure as to why they are not allowing me access.

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 2022-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In late XXXX I checked my credit scores using XXXX, finding my score reported from Equifax had dropped XXXX points from XXXX to XXXX on XX/XX/2022. The report showed about 10 accounts had been 'Removed ' from the report. The accounts removed were valid active accounts except for an auto loan that was paid off several months ago. I waited until today, XX/XX/XXXX, and checked again - the information ( and my credit score ) had not changed. Both XXXX and XXXX had correct information, all the accounts and my score in the low 800 's. I contacted the customer service number at Equifax to try to get this resolved. I was told I would need to contact each of companies I have accounts with to get them to report my info! I asked to talk to a manger, was put on hold for over an hour and finally disconnected! My husband and I checked his report with Equifax and all of the accounts that had been 'Removed ' on my report were still on his. These accounts are all joint accounts with my name first on some and my husband 's name first on others. We read the article in the XXXX XXXX XXXX regarding inaccurate credit scores having been reported by Equifax. Well it appears they have NOT corrected the problem ( as they lead you to believe in the article ). All I want is correct information so that if I need to use my credit, it reflects the actual quality of my efforts!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXX XXXX  when this account was paid off and closed XX/XX/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