BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XX/XX/XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a doctor XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX Hospital of XXXX for a visit on XX/XX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XX/XX/XXXX ) discovered that the same charge appeared back on the XXXX and Equifax credit reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in XX/XX/XXXX. The only available option to me was for XXXX and Equifax to start another 30-day dispute process. This is unacceptable that the credit agency is unable to identify this charge as the same JUST BECAUSE IT HAS A NEW NUMBER. This should be suspicious and this should be removed immediately while they investigate and only added later if they determined this to be true. This is DIFFERENT from normal disputes because it has the characteristics that show it is the same charge. I was able to determine this by making a quick call to the collection agency. XXXX and Equifax should be able to do the same service for a consumer - they agreed with me on the phone that it looked fraudulent and said it was the new number that was the problem. By not addressing this quickly, they allow this scam to occur and this likely has a XXXX-XXXX point decrease on my credit score. I am attempting to close a mortgage in 45 days. XXXX and Equifax does not have proper fraud detection measures in place to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit systems are not compliant with my state laws which is the state of Florida. And because of this they can not collect in my state

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Recovery Management Solutions LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom concerns, My name is XXXX XXXX and I been recovering repeated phone call from the above phone number with in Minutes. Also the Debt Collector calling a family member asking her to return the call. Leaving a voicemail on a 3rd party cell phone. This is harassment and violation of the FDCPA. The 3rd Party call me worried about someone calling and trying to locate me when they have my phone number and address. The reason I didnt answer is because my phone identified the number as a spam risk. Plus I work. I have records of all the information by your request. I have only received 2 messages from the girls calling me. The 3rd part phone number she call was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: NY
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 tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : 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 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dea

r Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore  needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Nj 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 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : 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 2017-10-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been a customer of Wells Fargo since the XXXX. I purchased my 2nd home in XXXX, and then refinanced my property in XXXX. At the time of the re-finance, my property was appraised at {$130000.00}. I recognize that this amount may have been inflated due to all of the illicit activities that were occurring during that time. As a result of this refi my new lender ( investor ) was XXXX XXXX. Prior to this my loan was with FHA. In XXXX, I applied for a re-fi with Wells Fargo, where I paid for an appraisal. The appraisal valued my home at {$25000.00}. While this was shocking, I attributed this to decimation that my neighborhood had experienced as a result to the mortgage crisis. Because my home did not qualified for the Refi, it was suggested to try the Harp Program. When applying for the Harp, I was told that the Investor- XXXX XXXX did not participate in this program. 

XXXX XXXX benefited greatly from all of the TARP funds but provided their customers with no benefits. It seems unfair. It was reported that XXXX XXXX received {$10.00} XXXX in TARP funds. I was told that the mortgage arm of XXXX did not benefit from the TARP funds. 

It is now XXXX, and I continue to make on-time payments of my mortgage, however because my market value is only approximately {$43000.00} I still am unable to refinance the property. 

I would like someone to investigate whether Wells Fargo or its representatives benefited from my loan being with XXXX. Is or was there something that Wells could have done to assist. Was there something illegal that occurred

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 2017-10-10
Company: EQUIFAX, INC.
State: NY
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 tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: FL
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 have mailed in dispute letters 3 different times dated XXXX and all 3 major credit bureaus have not responded to my request. By law they should have mailed me my investigation reports within 30-45 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: JPMORGAN CHASE & CO.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage was fully paid and settled by XXXX XXXX XXXX as part of the Closing disclosure on the XX/XX/XXXX. Chase Bank continued to activate my auto pay instructions with XXXX XXXX and submitted monthly installment request on XX/XX/XXXX and XX/XX/XXXX. As I maintain this account exclusively for rental transactions, I did not have sufficient funds and the bank returned payment request unpaid on both occasions and charged me {$36.00} on each occasion. I called Chase Bank on the XX/XX/XXXX and informed them about this and stop sending payment request with immediate effect. Despite, they have sent the request for the second time on the XX/XX/XXXX. I have sent the attached letter to the Bank via fax number given to me. This will affect my credit and I wanted them to remedy this as well. I am sending this complaint to you with a request to let the public know that the bank will continue to send payment request despite closing the account. Thanks for your prompt action. Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our insurance company fax proof of insurance to Ocwen 7 times in the last 6 weeks they just placed Force insurance and took {$1400.00} out of our escrow account I do n't know what else to do to prove to these people we have insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commiss

ion ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer : XXXX XXXX Addresses : 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 XXXXXXXX Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : 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 XXXXXXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Names : XXXX XXXX Employers : XXXX XXXX Addresses : 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management, LLC is the servicer on my mortgage loan sinceXX/XX/XXXX. They have incorrectly placed my mortgage in default. I provided every month of proof of payment between XX/XX/XXXX through XX/XX/XXXX and they have not corrected this. Rushmore now says that it is due to a payment XX/XX/XXXX prior to them servicing the loan. I 've asked them why they are trying to collect on the loan prior to them servicing loan. They stated XXXX XXXX XXXX transferred loan stating I was one month in default and did n't receive XX/XX/XXXX. I have provided copies of proof of payment and the cleared & endorsed check by XXXX XXXX XXXX for the XX/XX/XXXX payment. Now, Rushmore states that it is due to an XX/XX/XXXX missed payment. I explainded that payment was n't required because I have a statement with XXXX Balance due because an adjustment that was made due to a Modification from XXXX  XXXX XXXX. I have provided that information and Rushmore Loan Management continues to keep my loan in default. Please see copy of the XX/XX/XXXX statement with zero balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My XXXX Mortgage is an interest only loan that has adjusted out to {$3000.00} a month this mortgage is with XXXX XXXX Mortgage, Bank of America is the XXXX Mortgage. I owe more on my property than the market valve I need to get my payment on a fixed rate. I do want to keep my home

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 2021-08-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed information with Equifax credit bureau numerous times. I have asked them on several listed accounts that provided me proof of verification on accounts that are reporting negative and inaccurate on my report. They have refused to provide me proof of how they are verifying the accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Medical Bills. I have no knowledge of these accounts and them negative accounts have prevented me from obtaining anytime of credit or car loan because of these inaccurate accounts they keep validating and will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Comenity Bank has called my cellphone at least 7-9 times between the hours of XXXX and XXXX. This debt was already paid this month, and the phone calls are too annoying. I am trying to work so that I can pay off my debt. They seem to want me to not work, and play phone tag with them all day.

Company response to consumer: Closed with non-monetary relief