BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 5 U.S.C. 1681 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: McCarthy, Burgess & Wolff, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I was XXXX 's customer from the last 5 years, I upgraded to a new device during the pandemic when all the retails shops were closed, so XXXX mailed me the device, i never got the device it was lost in transaction, told them and they send me the new device, which i returned within the return exchange period, paid the charges for it as well, however every thing was acknowledged by XXXX customer services 7 times, that i never got the first phone, and they got the returned device, they even acknowledged that my last bill will be XXXX dollars, i don't have any proof because they have record of all the conversations, and my access to the account was closed when i closed my account with them, after all that they suddenly send me a bill of XXXX US dollars, which was the cost of 2 devices, i disagreed and made complaint several times from the past 10 months and now they have come down to 1 device, and asking me to pay through collection agency the amount of XXXX US Dollars, which is in sane, i don't owe them any thing except my last bill which is XXXX  dollars, they are putting thing on me and i just cant bare this anymore, they have destroyed my credit history, i have disputed the debt 4 times but every 3 months a different collection agency gets involved, with their charges as well, i dont have any proof since they every thing was online and i don't have access to my account, kindly please help me from this corporate giant, i am very upset and very disturbed from this matter, as i don't owe them the amount they are claiming. 
Regards XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Greentree & Associates
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a single,  XXXX   XXXX -year-old woman. I have lived in my home for 32 years. In  XXXX , I took out a conventional mortgage loan with  XXXX . The loan was supposed to be 5.5 % APR. At closing, I was charged 7.75 % APR and an additional {$18000.00} in fees. In  XXXX  due to a medical condition, I was unable make these much higher payments.   XXXX   XXXX   XXXX   took over the mortgage without my consent or knowledge and began foreclosure. The foreclosure documents I received only included 1/2 of the house on the Deed of Trust and Title, but included a building parcel I own free and clear, instead of the parcel with the other 1/2 of the house. I brought this to   XXXX   XXXX   XXXX   XXXX   attention.   XXXX   XXXX   XXXX   agreed to modify and re-do the loan as a short sale for {$330000.00}. However, they never completed this process and sold the mortgage again without my consent or knowledge to GreenTree. GreenTree began foreclosure without correcting the Deed of Trust or Title. They simply ignored the problem and went to foreclose anyway on the wrong parcel and only half a house. I paid for and completed two loan modifications, first in   XXXX   and again in  XXXX  only to be ignored by GreenTree. Since then I have made payments to the chapter   XXXX   Trustees for several years with the assistance of my attorney   XXXX   XXXX   XXXX  . In  XXXX , I had to file Chapter   XXXX   bankruptcy to stop the foreclosure process, ruining my credit and preventing me from doing business. Can you please help me? The fees and interest accumulated due to this dragging on for years is beyond the reasonable market value of the home. However, we are at a stalemate on who will address and correct the legal problems on the loan.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
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 act convergent account # XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
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: Public record information inaccurate

Complaint:
I have sent Experian numerous certified letters of inaccuracy information they are reporting. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have been asking in the letters for Method of Verification, have sent Frivolous Letter Rejection, Validation of Accounts and all they send back is accounts have been certified as accurate by the companies. The bankruptcy court does not verify information due to it is illegal for them to verify any information with Credit Reporting Agencies. 

I have also stated to XXXX in letters, This is NOT a request for " verification '' Via e-oscar, PACER, third parties, or proof of my mailing address, but a request for VALIDATIOn made pursuant to the ABove-named Title and Section of the Fair Debt Collection Practices Act.

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 2019-12-04
Company: Experian Information Solutions 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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX DEPT OF EDUCATION / XXXX  Reported : XXXX XXXX, XXXX DEPT OF EDUCATION / XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - {$1800.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting  his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and  other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-05-18
Company: Lending Club Corp
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:
We were in the process of refinancing our home and current creditor ( XXXX XXXX  ) let us know their was a current loan affecting available refinance rates. Loan was from Lending  Club Bank in the amount of $ XXXX. I do not have any outstanding loans currently and thats how i found out i have an unauthorized loan under my name. I contacted Lending Club Bank and was able to obtain the following information regarding this unauthorized loan. Name for Loan : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Amount : {$36000.00} ( they have paid $ XXXX of the loan and the outstanding balance is $ XXXX ). 
Account # : XXXX. {$1100.00} Monthly payment i want to go about all the channels available to us to make sure we report this fraud and have it removed from my account. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yes, my name is   XXXX   XXXX  . I have written before about this issue with  USAA Federal Savings  Bank Mortgage  Services, Homeowners Insurance Services- in   particular   XXXX   XXXX   XXXX   XXXX    out of   XXXX  Alabama and   XXXX    , w hom  USAA uses to  service their mortgages. I am currently trying to sell my home as a direct result of very exceedingly shoddy service by all the above listed corporations. To the point. Yesterday I spoke with  XXXX   XXXX  of  USAA, who USAA assigned  to investigate these matters.   XXXX   XXXX   was unable to find any voice recordings of myself nor my realtor of   XXXX   XXXX   XXXX  , in  XXXX   Alabama- f or the last  30-days. This is odd as USAA reco rds every call!  Second,    XXXX   XXXX   claimed  USAA does no t provide any informal property appraisal 's. As I explained to   XXXX   XXXX  , why was this simply not originally told to my realator, instead of her being transferred  3-times, and  myself whne I was transferred everywhere but right department at  XXXX  - t his says nothing of  USAA agent I spo ke with simply not telling me this to begin with.   XXXX   XXXX   was also supposed to call my realator and explain this when we humg up and she did not.   XXXX   XXXX   also asked if, I wanted  USAA to re investig ate   XXXX   XXXX   XXXX   XXXX   out of  XXXX  Alabama, and I told her i f USAA was n ot smart enough to figure out on there own they needed to so then I was not going to tell them to do so! Furthermore, I have had issues, as I have told you before with the Probate Judge of  XXXX   County-     XXXX   XXXX   ,  who has ties to   XXXX   XXXX   XXXX   XXXX    out  of  XXXX  Alabama  . I al so told you I have had issue with City of  XXXX , and my  Property Owners Association-    XXXX   XXXX   XXXX   XXXX  . Additionally, I told you,  XXXX  numerous books these entities have various means of lowering residents property value. Therefore I am submitting attached file demonstrating this, as evidence. Sadly, I have been put though ringer by just about everybody since I bought this house last XX/XX/XXXX  - ergo why I  am selling, in large part.  XXXX , renowned authority severa l thousand people  a yer commit  XXXX  due to Homeowners Association/POA  XXXX . I will simply not be  one o f those unfortunate individuals. Any assistance you can provide in this matter would be appreciated.  <P/>  PS : As  I have told you repeatedly,  USAA is run by r etired senior military officers and there are well over  50,000 vete rans in my area- so odds that is some link here are in fact pretty great. But that is for others, such as your organization, to figure out not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient Student L oans created obstacles to my repayment by providing bad information and illegally cheated me out of their rights to lower payments, which caused them to overpay for their student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Upgrade, 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 never made this accounts i have 2 fraud opening accounts under this company name Upgrade Inc. I have called them and put a investigation to have this resolved. 

First account fraud made Account info Account name UPGRADE INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$3800.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Credit limit {$4000.00} Highest balance {$3800.00} Terms 1 Months Second Fraud account activity on my credit report Account info Account name UPGRADE INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$3800.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Credit limit {$4000.00} Highest balance {$3800.00} Terms 1 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX Your company responded to my complaint with the CFBP stating that the incorrect account from XXXX XXXX has been deleted. As of XXXX this incorrect account from XXXX XXXX is still reporting to my credit file as should be removed as soon as possible. I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I am distressed that you have included the below information to my credit file, your organization has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under the laws of the FDCPA, I have contacted the collection agencies myself and I have not been able to get them to respond or to verify that the debt is indeed mine. The FCRA Requires you to verify the validity of the information you have placed on my credit file. If the validity can not be verified, you are obligated BY LAW to remove this item. There is a clear case of unverified debt here and I urge you to remove this item before I am forced to take legal action. My lawyer has advised me to file an FTC report, which I have done so. Our next step will be to bring this information forth to a judge in my area, while I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. The following accounts are the result of the XXXX XXXX XXXX which my information was a part of, I have attached legal documentation to this letter. I look forward to a fast turnaround.

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 2021-05-18
Company: EQUIFAX, INC.
State: LA
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:
This is regarding XXXX, XXXX, XX/XX/2021. I have paid my mortgage payment every month in a timely manner. My monthly payment went up by {$60.00} due to increase in homeowners insurance. When I found out my homeowners insurance went up, I changed companies. I have a copy of all my payments made on time. They're actually paid automatically through a bi-weekly payment program that I have enrolled in to pay my mortgage off early. The mortgage company applied my payments to principal instead of my monthly note and reported me to the credit bureau for being 30 days late. If they had put my payment in unapplied funds like they've done previously, the next payment would have corrected the shortage within the 30 day grace period. My payments were made. If they had not applied the payment towards principal, I wouldn't be in this situation. All I'm asking the company to do is apply the payments made like I have requested, the problem of resolve itself. The supervisor that I spoke with confirmed herself that I have made my payments in a timely manner. The problem is they wanted me to make an additional payment, which I eventually did just until the problem could be fixed on their end. I reported this to Equifax and they closed the case within 24 hours without even looking into the problem. I am attaching a copy of the report from the company that makes my payments automatically for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon review of my credit report with Experian, I noticed ( for the very first time ) that a fraudulent and unauthorized collection account is reported by a collection agency by the name XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX or No Phone number available ). This entry list an entity name XXXX XXXX XXXX XXXX ). I Did NOT avail any product and/or services of either of these companies. I never ever received any bills and/or services from any of these companies. I have disputed this matter with Experian already but this fraudulent and unauthorized collection account still remains in my credit report. I sent ( multiple times ) debt validation letter to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) but never received any reply from them. THIS IS NOT MY ACCOUNT. This account must be immediately removed from my credit 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 non-monetary relief
Consumer complaint received 2017-06-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX    XXXX   is reporting late payments for  XXXX  and  XXXX   XXXX  on a credit card that was closed in  XXXX  and completely paid off  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 2022-09-14
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Servicer has continued to pay flood premium on a non existent home. Home completely demolished due to flood damage. PNC, the last servicer to have the loan, continued to pay the premium. XXXX XXXX got the policy cancelled, and advised XXXX would do an appraisal post XXXX to verify the structure is gone. There is an open claim settlement with XXXX to pay $ XXXX for a payoff and lien release. These are the funds received on the flood claim. While this was in process, PNC referred the file to XXXX and a sale date of XXXX has been set. 
We have repeatedly requested a valid payoff, less the illegally paid XXXX Premiums since XXXX. We have been unable to rebuild, sell or refinance due to the invalid payoffs. The escrow advances now exceed $ XXXX and we can not save the home from XXXX with the escrow, atty fees and costs and interest since this first began. The modification offered also included the false escrow and not accepted. 
We have been trapped in this property since XXXX and forced to live in a property that is not up to XXXX XXXX or occupancy requirements.

Company response to consumer: Closed with explanation