BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-XXXX-Balance {$0.00} XXXX-Balance {$0.00} USDOE/XXXX-XXXX-Balance {$0.00} XXXX XXXX XXXX-XXXX-Balance {$520.00} XXXX-XXXX-Balance {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX CFPB : XXXXXXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need XXXX to supply me plats of my Homesteads. 

XXXX XXXX XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
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: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-04-20
Company: Experian Information Solutions Inc.
State: MD
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:
EXPERIAN, XXXX, AND XXXX  ARE ALLOWING TWO COLLECTION ACCOUNTS TO BE REPORTED OPEN ONE MONTH THEN CLOSED THEN NEXT MONTH. MARYLAND STATE LAW REQUIRES THE ORIGINAL CREDITOR AND COLLECTION ACCOUNTS MUST BE DESIGNATED AS CLOSED AFTER 3 YEARS AFTER DATE OF FIRST DELINQUENCY. THERE IS NO LEGAL OR LAWFUL WAY OF DEBT COLLECTION AFTER THIS DATE. I HAVE SENT VIA REGISTERED MAIL TO SAID COLLECTION AND ORIGINAL CREDITOR ACCOUNTS CEASE AND DECIST LETTERS VIA US POSTAL CERTIFIED MAIL. I WILL CONTINUE TO REPORT THIS AND CONTACT THE MARYLAND ATTORNEY GENERALS OFFICE THEN PURSUE A LEGAL REMEDY AGAINST EXPERIAN, TRANSUNION, AND EQUIFAX. THEY ARE CURRENTLY VIOLATING FEDERAL AND STATE LAW REGARDING CREDIT REPORTING PRACTICES. I HAVE MADE COMPLAINTS TO THEM AND ALL EVIDENCE IS IN THEIR POSSESSION. MY CREDIT SCORE JUMPS 70 POINTS EVERY OTHER MONTH DUE TO THEIR NEGLIGENCE. THIS MUST STOP THIS IS ILLEGAL AND I WILL SEEK DAMAGE.

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 2015-06-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On each of the mortgage statements from Bayview Loan Servicing for XXXX, XXXX, and XXXX 2015 is an added {$75.00} charge. The line in Account Information says " XXXX XXXX XXXX. '' The XXXX statement has a line in Transaction Activity for XXXX/XXXX/15 that says, " Miscellaneous foreclosure, Bankruptcy and XXXX Expense Disbursement. '' The other XXXX statements show no payout activity related to the charges. 
We are not in foreclosure or bankruptcy and our house is not a XXXX property. Therefore the charges are inappropriate. 
In addition, as of XXXX XXXX, 2015 Bayview is no longer including our outstanding balance on their statements, thereby denying us the ability to identify or evaluate any charges or balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to XXXX XXXX, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of my credit.

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 2017-12-11
Company: Experian Information Solutions Inc.
State: OH
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 personal information was breached in both the FASFA breach and now the XXXX breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.

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 2020-04-07
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to put freezes on my credit. With Equifax I first tried their website, then several phone numbers. In every case they say then need to verify who I am. One of the questions they ask is my mobile phone number. I do not have a mobile number. After that question they say they can't verify who I am and hang up. I never actually get to talk to a person. I sent an email to them saying I did not have a mobile phone. They sent me an email from XXXX XXXX XXXX - Customer Service Support <cust.serv@equifax.com>. on XX/XX/20 listing 3 customer service phone numbers. Every one of these numbers asks for my mobile phone number as a verification question. I can't be the only one in this country without a mobile phone. Please tell me how I can get Equifax to put a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: AL
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:
Appendix B to Part 222 - Model Notices of Furnishing Negative Information a. Although the use of the model notices is not required, a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix ( as applicable ).

The following companies did not notify me in regards to the alleged debt. Also, I am a victim of identity theft. 

Following Companies : 1XXXX XXXX XXXX 2. 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 2020-04-07
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: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2021-10-03
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was to receive a XXXX bonus from Key bank for opening a new checking acct and making a direct deposit of XXXX which I did on XX/XX/21. No XXXX bonus. Its impossible to call them.. On hold forever and when I did get someone she kept telling me I had to keep holding. They are EXPERTS in terrible customer service. Hard to talk to a person. Bank manager could not help! I opened the acct online with the code # for the bonus auto. filled in on application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
i have a credit card with Santander Bank. on XX/XX/2020 they changed the limit on my card from {$5000.00} to {$600.00}. when i contacted them to inquire why the sudden and tremendous drop, they said an automatic drop had happened because of my credit score.  however, my credit score on that date was artificially low because of 2 factors : the account had a balance of {$5000.00} that had been paid in full on XX/XX/2020, a payment which has still not been reported to the various bureaus despite the last update being sent on XX/XX/2020. my understanding is that the usual process is for the lenders to send out updates with the latest statements ; there was a statement issued on XX/XX/2020 which showed i had a {$530.00} balance out of a {$5000.00} limit. additionally, the company they used for my score ( XXXX ) has an erroneous account which i started a dispute about on XX/XX/2020. i learned about it on XX/XX/2020, and disputed it to XXXX, and they removed it on XX/XX/2020, and for some reason i didn't immediately realize i had to dispute the account with all three credit score bureaus. 

when i contacted them about it, they said that although they could see that i had paid the account in full, they were using the credit info from XXXX in their decision to lower my limit, despite them being 90 % of my credit score. in other words they could tell my balance was less than 10 % of my limit, but decided to lower my limit because the credit bureau said i was using 100 % of my balance, because they had failed to report to said bureau that my balance had significantly changed. 

when i asked if they could reverse the decision, they said that i would have to reapply for a larger credit limit, and that they would have to do a hard credit pull to find out what my credit score is, which would probably result in no change as they have still not reported that i paid off the card. 

i use this card for most day to day purchases and for paying off bills. yes i understand the balance was high, but i had paid it off, and now it seems to me that i have been punished for doing so, as if i had just left the debt on the card they probably wouldn't have lowered the limit so much, and i would still have the {$5000.00} that i had used to pay off the debt. essentially i was paying it off with the idea that i could use it as a backup for the next few months, whereas i could have paid off around XXXX a month for the next few months and still felt comfortable about the amount of purchasing power i have.

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 2017-06-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX   XXXX  is reporting on my Experian credit report that in  XXXX , the payment was 30 days late. Account has never been paid late.   XXXX    &   XXXX  have it reported accurately that there were no late payments.

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 2016-10-15
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo foreclosed my duplex and the {$140000.00} + cash payments I mailed to somebody from 1987 - until Wells Fargo returned XXXX checks in a row When I had really missed only XXXX payment trying to figure out what was going on they set a sale date. I was able to cancel the first XXXX. 
They repeatedly called a 'postponement ' The modification offered was for more money and higher payments We attempted to extend the term to reduce the payment but we mailed payments anyway -all were returned Filed bankruptcy they were granted relief Attorney valued property at XXXX. 
{$130000.00} paid - {$53000.00} balance is {$78000.00} I was able to reduce the insurance by {$260.00} ( {$110.00} refunded to them ) Wells Fargo returned my last payment after they received the insurance refund Reported {$62000.00} market value and {$53000.00} 'balance to the IRS I provided my XXXX lease agreements of over {$1000.00} They sold it a year later with a {$91000.00} mortgage. 
( I believe the remaining balance is included in the modification on my house my taxes and insurance have increased to about the amount due on the duplex -? 
My house mortgage continues to increase. 
I also believe adjustments have been made to the balance with money going to a different lender ( XXXX XXXX XXXX mortgage ) on another property I already paid off The way I see it Wells Fargo owes me {$91000.00} I paid to escrow as MY proceeds {$78000.00} -the amount I paid over the mortgage balance - the value And {$62000.00} the value reported to the IRS. - ( and my rental loss since foreclosure )

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: CMRE Financial Services, Inc.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX ), reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX Incorrect dates!!!!!

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 2016-08-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I reviewed my credit report with Experian and learned of an account with XXXX XXXX that I am not familiar with. I attempted to dispute this account with XXXX XXXX via certified letter with the contact information provided on my credit report by Experian as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This letter was returned to me on XXXX/XXXX/16, not deliverable. I then sent a certified letter of dispute to Experian requesting this account be deleted from my personal file due to inaccurate reporting information with copies of my returned certified letter and proper identification. The above case number was assigned as a result of my letter of dispute of inaccurate information. On XXXX/XXXX/16, I received the results of Experian 's investigation, via letter, stating the account was " updated ''. I reviewed the updated information, and the contact address for XXXX XXXX is still showing as the original address I attempted to send my letter of dispute. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) I am unable to dispute the account with XXXX XXXX to the validity of it being mine, and I have no alternative as how to settle. I am enclosing copies of my returned certified letter to XXXX XXXX, the results from Experian on the investigation of XXXX XXXX as to my dispute of inaccurate information, a letter of Request of Investigation Validation by Experian, and my XXXX request of the deletion of XXXX Funding from my personal file. 
Any assistance in this matter will be so greatly appreciated. I look forward to hearing from 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 2022-09-13
Company: Early Warning Services, LLC
State: TX
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: Other problem getting your report or credit score

Complaint:
Hello, Ive contacted Early Warning LLC to get my data report as Ive been denied several account openings because of their report. I submitted the request for report on XX/XX/22 and have not received any communication from Early Warning. The means to go about requesting the report online is clearly designed to deter submissions, and theres nothing in place to communicate if your submission was ever received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Over the course almost two years I have tried to have the incorrect and misreported information listed on my credit report as confirmed from XXXX removed from my credit reports with XXXX, XXXX & XXXX I have sent over 10 disputes to each reporting agency along with the CFPB and XXXX XXXX XXXX to have these items removed. 

1. The XXXX accounts listed # XXXX on my reports from XXXX XXXX have been reporting a dated of first delinquency of XX/XX/XXXX which is wrong the date of first delinquency. they should be reported as XX/XX/XXXX or XX/XX/XXXX which has aged my removal date by 3 to 4 years which is in violation of FCRA Section 605 2. The accounts also show a pay status of Account 120 past due which is not correct as the accounts should only show a pay status of transferred. 


3. There are remarks reporting on my report account closed due to transfer if the accounts were transferred to the XXXX XXXX XXXX on XX/XX/XXXX or before. How is are accounts that were not being serviced by XXXX XXXX XXXX reporting late payment dates from XX/XX/XXXX to XX/XX/XXXX this information is being reported on seven accounts. And should be removed ASAP 4.  XXXX, XXXX and XXXX all have reported that the information has been confirmed by XXXX XXXX XXXX on more than occasion. 

5. Also XXXX XXXX has also stated that the correct information has been provided to XXXX, XXXX, & XXXX. 

6. Presently I have no idea if the credit reporting agencies have been in contact with XXXX XXXX or XXXX XXXX been in contact with the reporting agencies.

Company response to consumer: Closed with explanation