BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
Corelogic/Credco is a third party reporting agency that I never heard of until I was denied credit. My prospective Mortgage lender called me and advised my loan was denied due to information received from Credco including a  XXXX   XXXX   XXXX   XXXX  that was deleted from my credit reports more than 90 days prior ( see attached ).     Between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017  Credco has  XXXX  inquiries on my credit report, and each report provided to their paid clients includes erroneous data that resulted in the denial of my mortgage loan. The inquiries will stay on my credit report for 2 year and deter creditors from providing me credit. Once the data is updated in Credco   and I have to reapply, I will be hit with a new inquiry. Credco has adversely affected my credit score, and delayed my housing search by providing inaccurate data. Their clients pay for their data and it should be held accountable for it.
I was not informed until my credit had already been pulled 6 times about the existence of Credco and it 's role in my credit denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: CA
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:
Equifax ; XXXX  and XXXX are reporting incorrectly lates on the USD/XXXX  ; XXXX ; XXXX/XXXX  and XXXX  student loan accounts. ( Please see attached spreadsheet as well as pages from my credit report for reference. ) These student loans are in forbearance and therefore no late payments should have accrued. This false reporting of lates is seriously harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to have these items removed however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: SUNRISE CREDIT SERVICES, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX continue to furnish information on the report. Continue to request documentation, however, the company failed to comply according to FCRA, IF company failed to verify request please remove tradeline off the 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 explanation
Consumer complaint received 2017-06-13
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loa n is   XXXX   XXXX   o wned. my home mortgage is serviced by Ditech. i have countless issues with Ditech and their practices. i applied for a streamline refinance with Ditech. was told over phone by loan processor i have eligibility that is to expire soon. but received letter on  XXXX / XXXX /   2017  Ditech denied application, refuses to return phone calls. i have left countless messages with my loan processor. no response, no explanations given. very un satisfied. Ditech is not practicing under the rules and guidelines set by   XXXX   XXXX  . my application for streamline refinance was unlawfully denied. Ditech does not adhere to laws, guidelines, nor regulations set forth by federal laws or state laws. Ditech Services is inadequate and of no benefit to its costumers. Ditech business practices is harmful to homeowners and destructive to the industry. Ditech has violated my homeowners rights and is not adhering to housing regulations laws. Ditech has not followed   XXXX   XXXX   guidelines. Ditech mortgage needs to be investigated and licences revoked for deceptive fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Since last year 2016 someone was using my best buy credit card, I called best buy and they fixed so i closed that credit card and they sent me a new one and the next month i received a bill from them that i owe them and i never activate my new card so i call again to best buy and told them about the situation so they fixed it and sent me a letter that was a fraud so i decided to close the last credit card and i never open a new credit card. and again i received a new bill from best buy so it was 3rd time that they were doing fraud and every time i called them they said do n't worry everything is taking care. so the last fraud { 4th time } i had couple days ago and i had to call XXXX to let them know that i 'm a victim of fraud because Best Buy ruined my credit score .I HATE BEST BUY. They did 4 times and every time i called them, they said everything is taking care and i hope this the last time that they are doing this to 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 2020-10-07
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:
I have tried to have Equifax remove XXXX off my report since last year, the account was fraud and it is still showing open with no info since last year. I got in touch with XXXX age they informed me to dispute the account on my credit report and I did as told. on there end and they are no longer reporting anything about the account due to it was fraudulently opened. I have disputed this account numerous times with Equifax and they keep coming back saying the account is being verified. At this point I feel like they are not doing there job due to how can an account come back verified when I have Informed them that it was fraud multiple times. the account was closed and nothing has been reported on the account since 2019. I need this account removed ASAP Account to be removed off my credit report. Due to the account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I started a conversation with Mr. XXXX XXXX ( Mr. Cooper rep ) discussing a refinance of my home, I asked Mr. XXXX the average of what rate I can get, he told me I can have XXXX through XXXX, I was very clear asking him without buying any point and he told me yes. 
After he pulled out my credit the story was different. He offered me 3.250 % with my wife on the application and then with myself 3.125 %. 
I asked him why he told me another rate, he said you can have XXXX but buying point. 

Here is the email I sent to him, never answer : Hi XXXX, Just to let you know I am disappointed with how things turned out, when we started our conversation at the beginning you told me I can get a rate between XXXX to XXXX, I was clearly telling you without buying any point and you told me yes. 
it is very clear that your intention was to run my credit, It was very simple to say you should not do it, wait for a better rate. 
I can't believe these absurd numbers you sent me, please don't try to reach me out. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Pendrick Capital Partners Holding, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from Affiliate Asset Solutions XX/XX/XXXX. I was told that I had an outstanding medical bill that was for my Son when he was a minor. I contacted Affiliate last month and made a payment of {$25.00} on XX/XX/XXXX. At that time I also setup a payment arrangement to be processed on the XXXX of each month for the next 6 months. Affiliate contacted me on XX/XX/XXXX and had no record of the payment plan and were harassing me for payment. The representative on the phone even went as far as to say " That's fine Mr. ..., don't pay your bills. '' The representative I spoke with indicated that it was not possible that I was on a payment plan and that the account had only been in their office since yesterday. When I tried to confirm the account number the agent hung up on me. I called back and requested to speak with a supervisor. I was put on hold and the line picked up and I heard a male yelling " Because I want to know '', the line was then muted and after about 30 seconds I was hung up on again. Attached is proof of payment from my HSA and a copy of the letter dated XX/XX/XXXX that confirms the payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In  XXXX     2017 my   Company b egan a student loan repayment program, designed to help employees pay off their student loans. These payments are approved through a third party vendor, and require approvals through submission of paperwork and eligibility. In  XXXX   2017 I w as approved and my Company began sending {$100.00} checks t o Discover Student Loans to aid in paying off my loans. I have an auto debit payment schedule with Discover. Prior to entrance into this program, I contacted Discover and explained to them the situation and that a third party vendor would be making payments on top of my current monthly payments. I requested to not have any additional money received to count towards my expected payment amount. Discover has refused to pr operly apply my additional payments, and instead consistently apply them to future due balances, effectively delaying how soon I can pay off my loans and lowering the amounts pulled automatically from my account. I contacted them when I noticed this error, asked to have it corrected, and that any future money received from a third party vendor to be applied directly to principal balance. Since then they have continued to apply my payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
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: Old information reappears or never goes away

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX # XXXX : Unverified account XXXX XXXX XXXX # XXXX : Unverified account XXXX # XXXX : I have never paid late XXXX XXXX XXXX # XXXX : I have never paid late XXXX/ XXXX XXXX XXXX : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX 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 2021-05-13
Company: EQUIFAX, 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-03
Company: Santander Consumer USA Holdings 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:
there Are items on my credit report that i have disputed and i haven't received any results about the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX  XXXX XXXX XXXX : XX/XX/XXXX Amount : {$270000.00} Paid 22 months/No Late Payments Covid Forebearance 17 months Past Due Amt. Total : {$42000.00} Escrow {$530000.00} Tot {$43000.00} The Breakdown per Midland of the XXXX  payment of XXXX, XXXX {$8200.00} Principal {$18000.00} Interest {$16000.00} Escrow/Prperty Taxes XXXX XXXX XXXX XXXX Total amt owed for home is XXXX, XXXX if I payed off by XX/XX/XXXX My Concern ; Now I with the two loans owe {$33000.00} more than when I bought the house. So I overall for 17 months cost me more debt to the amount of {$33000.00} by using the Cares Act Not sure if that is correct. 

My phone number 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 2020-04-22
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert on my credit report of a collection from IC System for {$440.00} on XX/XX/XXXX. I called them and they didn't have any of my information correct. The rep advised it was from a XXXX  account from XXXX from Florida. I did not live in Florida at the time she gave me the dates. They do not have the correct address or any information that is correct. 
This same account was with XXXX that I opened a complaint about XX/XX/XXXX case number XXXX with CFPB. XXXX must have sold this debt to IC systems. I do not own that account. This is something that I am extremely unfamiliar with and there has been absolutely no communication about this account to me as they have the wrong person. 
They are saying it's from XXXX, which was XXXX/XXXX  and I have had service with them in XXXX and don't owe them anything. This needs to be removed from my credit report or they need to provide proof of me signing up for services with a contract or something in writing because I do not owe them anything.

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 2017-10-16
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently went to use my debit card to pick up a prescription. ( Last Friday evening ) Although I had sufficient funds in the account, my debit card was being blocked. Luckily, my US Bank debit card was not my only source of funds so I was not left stranded without my prescription. When I called their 800 #, they proceeded to tell me that they had sent a new 'chip card ' back in XXXX, which I never received, and since I did not activate it they 'turned my debit card off '. I asked them to turn it back on since I never received this new card and they made no attempt at all to ascertain whether or not they even sent it to the correct address before they decided to deny me access to my funds. I have banked with US Bank for decades, they have my phone number and never attempted to call or text. They also have my home address and email, which they regularly send me emails so it would n't have been that big of a deal to at least make 'one ' attempt to contact me before denying access to my money. Now they offered to send a new one, but it will take about a week and they refused to overnight the new one. My only option was to go into a branch for a temp card. Now keep in mind it is Friday evening, they are closed and I had to work the next day. I went to the closest branch on Saturday during my lunch break, it was about XXXX, they close at noon! So, I now have been without access to my money for 3 days because of their procedures, and probably wo n't be able to get to a branch until Wednesday. I feel that this policy/practice of theirs is a clear violation of UDAAP. Can you imagine if I had been on a business trip, which I often have to drive from XXXX XXXX to AZ, and I did n't have anything but my debit card? I would be stranded at some gas station in the desert! What if I was an elderly customer on limited income and had to pay for some sort of transportation assistance only to find that the bank was closed? What if I had a serious medical condition and needed that medicine right then but was told no wait until next week. I could totally understand them turning off my card if they had made ANY ATTEMPT to contact me to verify if the card was missing or if I just forgot to activate it, but they did n't.

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: 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: Account information incorrect

Complaint:
Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent initial dispute through CFPB and I got a respond of validation shown me screenshots of a billing statement. Southwest Credit says that XXXX says the debt is valid. Okay so I am asking for you to provide me with the contract that bears my signature with XXXX If you are unable to provide that I am asking that you respectfully delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: MO
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 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