BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: AZ
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 Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Bank Account number : XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( XXXX ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years.

15 USC 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Have been repeatedly requesting the payoff of this mortgage since XXXX XXXX. My Realtor and Closing attorney have also requested. We have attempted to escalate several times and still no payoff has been sent. This payoff must be given today or the transaction will not close. It was suppossed to close orignially on the XXXX of XXXX. All Selene Financial says when we reach out is the payoff will be sent today. Each day no payoff is sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: FISERV INC.
State: CT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On, XX/XX/2020, my Economic Impact Payment Card was stolen at the XXXX  parking lot in XXXX, CT. My wife 's purse was stolen approximately XXXX from the shopping cart. XXXX Police was called and a police report was issued. 

It looks like the thief used the card after XX/XX/2020 and made several unauthorized transactions ( 27 disputed ). 

I notified Money Network ( A First Data Company ) on XX/XX/2020 that the card was stolen on XX/XX/2020 and all future transactions ( 27 disputed ) was unauthorized. There was also a return made on XX/XX/2020 but I have no idea by who. 

Money Network 's responded on XX/XX/2020. I called them several times. I spoke with XXXX twice and she said don't worry we will review all disputed transactions despite the notices only listed 7 disputes. Later, Money Network responded on XX/XX/2020 that the dispute was considered closed since a return of {$47.00} was made on XX/XX/2020. I did not make this return on XX/XX/2020 since the card was stolen on XX/XX/2020 at XXXX. 

I don't understand Money Network 's position. The card was stolen and a police report was issued. Please assist me.

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 2017-04-18
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting letters from this company claiming i owe for services at  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 2020-12-31
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to extreme hardship and unjustifiable increase in my escrow payment, I defaulted in my mortgage payment. Subsequently, PHH Mortgage predecessor mortgagee commenced a foreclosure proceeding against my property. I interposed an answer and i filed a modification application in my efforts to keep my home. On or about XXXX/XXXX/20, PHH Mortgage approved the modification application after two years. In consideration thereof, I was required to pay a monthly payment of {$2100.00} from XX/XX/XXXX2020 through XXXX 2020. I made all the required payments for the trial period and payment were accepted by PHH Mortgage. 

Subsequently, PHH Mortgage alleged that a title search was conducted and a tax lien was recorded against my property by The XXXX of XXXX XXXX. I promptly made the payment on XXXX/XXXX/20. However, due to the pandemic and specifically because most city employees worked from homes the Notice of Warrant Satisfaction was not prepared and filed expeditiously despite my request that time was of the essence. On XXXX XXXX, 2020, the XXXX XXXX XXXX Department of Finance processed and filed a satisfaction of Judgment with XXXX County. However, on XXXX XXXX, 2020, PHH mortgage denied and cancelled the modification agreement signed and completely performed by me in that I had already paid the three months trial period payments. 

PHH Mortgage in total regard to the prevailing pandemic in the country wherein most offices are not working at their full capacity unconscionably denied my modification application predicated on the fact that the XXXX of XXXX XXXX delayed in processing the Satisfaction of the within tax lien. 

It is noteworthy that I am not in violation of the modification agreement in that satisfaction of the aforesaid tax lien was not a condition precedent to have a final modification agreement. Also, I promptly made payment to the XXXX to satisfy the lien and the delay in filing satisfaction of lien was not my fault since I don't have control over the internal operation of XXXX XXXX XXXX Department of Finance. 

It is submitted that the PHH mortgage decision to denied and cancelled the modification agreement which they prepared and signed by me is capricious, arbitrary, unconscionable and breach of the same agreement since satisfaction of tax lien was not a condition to a final modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Please review all the comments in the previous complaints fromTransUnion. Trans Union has been arbitrary in their research and assistance and just did not provide any fair form of adjustment in the wording of the account in dispute. Due to the length of time, I think Trans Union should not penalize me any further by reporting information that is wrong and of which they do not even understand what the court decisions assume has be completed by the attorney in the case. It appears that TransUnion did not investigate my complaint and faked having irrefutable information in support, refused to provide a copy of the irrefutable information which delayed my search, restricted communication to prevent proper investigation of my dispute from XXXX. I found the correct information that was the irrefutable proof I had a legitimate dispute. A copy of the certified letter I sent to Trans Union is attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX, 2016 I received a letter from XXXX XXXX XXXX in response to my letter sent on XXXX XXXX, 2016 in which they claim to have received the letter on XXXX XXXX, 2016, which happens to be 17 days from the date sent, claiming to have validated my alleged debt with them. The date on the letter they mailed me stated XXXX XXXX, 2016. This company has violated the law in regards to a response within 30 days total from the date received. The account has already been deleted from my XXXX credit report for failure to respond in a timely manner. It is not my responsibility nor problem that they cant pick up their mail or respond within the legal timeframe of 30 days.

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 2020-12-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these accounts as they are fraud, - to confirm that I am attaching Police Report in the files. These accounts are not mine and please take a look at my police report and remove them from my credit report as soon as possible.

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 2020-12-31
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute an account reporting on my credit reports. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.

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 2022-04-15
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that my credit scores dropped. When I viewed my credit, I discovered an account from Vance & Huffman LLC. I have lived at my current address for more than 10 years and i have never received a collection notice or a phone call from this company. They have placed an unknown debt on my credit and i am in the middle of financing. I have also sent them a letter via registered mail over 60 days ago and I have not heard back from them.

I am requesting the unverifiable/unknown entry be deleted from my credit report. I also have a police report on file with the bureaus for false impersonation- but I thought all of that has been cleared up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Aqua Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a water treatment equipment with XXXX XXXX XXXX NC, They came and installed a water treatment equipment that do not operate according to our needs and what they offer me from the beginning of our discussion. 
The seller tell me the I can try the equipment. He asked me to sign a document and I provided my social security number and bank account. A month later Aqua Finance Inc appears in my credit report with a loan for {$8400.00}. I never authorized XXXX XXXX or Aqua Finance to run my credit. 
I contacted Aqua Finance XXXX XXXX water several times and they are ignoring my request regarding my credit inquiry with out authorization. 
Aqua Finance XXXX I spoke with XXXX XXXX Account appears in my credit XXXX XXXX XXXX XXXX : XXXX XXXX email XXXX phone XXXX Mobile XXXX XXXX XXXX email XXXX I NEVER AUTHORIZED XXXX OR AQUA FINANCE to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion is reporting inaccurate information in my credit report. There are XXXX negative items ( XXXX, XXXX ) being reported for more than 7 years since the first delinquency day. One month ago I submit a dispute, but the results came back with different days and not corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX I sent in a complaint to the CFPB about Equifax fraudulent inquiries on my credit report. Equifax responded on XX/XX/XXXX stating they did n't receive any information from me and that I needed to contact the creditors. I responded on XX/XX/XXXX backing up my statement about the letters I 've sent to them. On XX/XX/XXXX all of the inquiries were deleted off of my credit report except one ( which is factual ). On XX/XX/XXXX all of the inquiries were reinserted back on my report with no warning or paperwork from Equifax which is against the FCRA law. I 've attached a copy of the paperwork below. 
Equifax also sent me a letter on XX/XX/XXXX Confirmation # XXXX with the results of an investigation that they conducted from the letter I sent to them about some unverified accounts. Equifax removed the negative accounts off of my credit report up until XX/XX/XXXX. I checked my credit report on XX/XX/XXXX and all of the negative accounts that were deleted has been reinserted which again is against the FCRA law. I 've attached all copies of the fraudulent occurrences below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
THIS ACCOUNT IS REPORTING DECEPTIVE, AND INACCURATE INFORMATION ON MY CONSUMER REPORT ALLEGING LATE PAYMENTS, AND DEROGATORY COMMENTS THAT CONTAINS INFORMATION REFLECTING TRANSACTIONS THAT ARE REQUIRED TO BE EXCLUDED FROM A CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS AGENCY DECEPTIVELY ALLEGED VERIFIED INFORMATION THAT WAS DISPUTED ON THE ALLEGED CONSUMERS CREDIT RECORD THRU AN ALLEGED INVESTIGATIVE CONSUMER REPORT THAT WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE ALLEGED CONSUMER. THIS IS A VIOALTION OF THE FAIR CREDIT REPORTING ACT PER 15 USC 1681a ( e ) AND CAN NOT BE VERIFIED FROM A CREDITOR OF A CONSUMER. THE ALLEGED VERIFICATION IS FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, My mortgage servicer is Truist Bank while the mortgage is held by XXXX XXXX. We were contacted via post with a letter stating that our loan was qualified for forbearance under the Cares Act. I did an online inquiry and was sent a letter telling us that we were good to stop paying our mortgage and giving three options of how to repay the loan. This is the area where I seek clarity. 

I called in using a script received from your website asking of repayment options and was repeatedly told this would be decided at the end of the forbearance period. I reiterated that I would not enter into an agreement without knowing the end game. I repeatedly asked for a letter clarifying that at the end of the forbearance, repayment would be added as the same number of missed payments to the end of the mortgage with no penalty. I was told this could not be done. 

This is scary. During this pandemic people are afraid and grasping at straws. Our representatives fight to create legislation that can help people, yet I see it as double dipping by banks. They are getting federal assistance and endeavoring to make any assistance obscure to seize homes at the end of this crisis?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a fraud claim was filed with XXXX back in 2011 ... .9 years ago! 
XXXX XXXX never reach out to me.Violating the Debt Act law. Plus its been 9 years.This is an violating of the Debt Collect 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 explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I applied for a mortgage preapproval letter from a bank last week to help with the home search. The application triggered a credit check which is standard practice. Ever since then, I have been inundated with scam calls, marketing calls, and mailers from lenders offering different types of loans I dont need. One of the sales reps told me they got my information from the credit bureau informing them that I was in the market. How can my application with the bank allow reporting agencies like XXXX to sell my information to lenders I dont want to deal with?

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 2020-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America has yet to issue me a credit balance check or put money back on my account. It's been one and half month already! {$30.00} is the money invloved.

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 monetary relief
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent 3 separate letters each to XXXX, XXXX and TransUnion on XX/XX/2020, XX/XX/2020 and today XX/XX/2020 about inaccurate and unverifiable collection accounts and student loans on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored, that they do not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been way over 30 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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