BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX/XXXX/2016 with the results of a recent dispute. Basically the letter stated that the item that I 'm disputing is no longer on my credit report. Looked on Privacy guard report dated XXXX/XXXX/2016 and XXXX XXXX report dated XXXX/XXXX/2016 and XXXX XXXX XXXX ( XXXX XXXX is still appearing on my report. Called Equifax on XXXX/XXXX/2016 at XXXX cst and spoke with a XXXX a customer service rep that works with Equifax that states my letter do n't say what I 'm saying it says. I asked to speak to a supervisor she transferred me to a supervisor by the name of XXXX where I was told that the confirmation was for an address deletion. Lastly, I was transferred to the fraud department where I spoke to an XXXX and was told they ca n't remove anything even if I have the proof only the creditors can, now I sent them the response from XXXX creditor where they stated that they ca n't remove anything only the credit bureaus can. Please help me Equifax is a scam. Please find I included all evidence that I have. My dispute, their response, and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a adjustable rate mortagage orginated by XXXX financal purchased by XXXX XXXX XXXX and serviced by slect portfolio servicing my orginal mortagage payment was {$940.00} a month was raised to {$1100.00}. I had to go through a bankruptcy during the bankruptcy trustree made over {$27000.00} worth of payments on the mortage I have been unable to find out how and where they we applied. I have recived XXXX small settelment payments from the suit the goverment brought forth aginst XXXX XXXX XXXX. It was my understanding that as part of the settlement they hade to offer me a loan modification at market rate.XX/XX/XXXX I entered into a loan modification agreement. Made my XXXX payments totaling {$4100.00} I was sent a modification agreement of {$1300.00} per month at an 8.78 % interest rate when market rates were 2.75-3.25 % I told them this was unacceptable. I told them I would only accept an at market rate as there settlement provided for. I was promised by there repesentive they would work this out. I was asked by slect portfolio servicing to resubmit the modifaction paper work XXXX times which I did then they would switch my loan servicer which the did no less than 16 times from the time I filed the orginal modifaction agreement to the Present Date XX/XX/XXXX. All the while they would say they were missing paper work or it was expired or I would have to start over with a new servicer It got so bad I got my attorney involved and he submitted my paper work no less than XXXX times he always got the same answer as I did something was missing or we got a new servicer.Seeing how I would not go away they tried a new approch they failed to pay my property taxes for 3 years XX/XX/XXXX-XX/XX/XXXX even though they charged escrow for the amounts my home went threw a tax forclosure sale XX/XX/XXXX and I had until XX/XX/XXXX to pay the redemption amount. I notifed select portfolio servicing of this fact the said they were aware of it and would see what they would do. Fearing I would lose my home I paid The redemption amount to save the house on XXXX. They did not pay the taxes and my next communaction XX/XX/XXXX I got was from XXXX and XXXX that they would be foreclosing on my home. I disputed there claim. I have not heard from them seince. These people have done nothing but harass me and tried to use fraudlent means to take away my home. The Federal Goverment has punshed XXXX XXXX XXXX and Slect Portfolio Servicing for this very thing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX # XXXX account number XXXX XXXX  # XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. states i have privacy rights.

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 non-monetary relief
Consumer complaint received 2017-05-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, On    XXXX   XXXX   XXXX    I received a letter via  XXXX  from  XXXX  in reference to my  XXXX  Gold Card membership. The letter stated that an annual fee of {$990.00} would be assessed starting    XXXX   XXXX   XXXX        The reason why this is problematic and why I 'm filing a complaint are as follows : -I was approved for having the {$990.00} annual fee waived as well as 0 % APR on  XXXX     XXXX   XXXX      -At that point, I had conducted balance transfers from other financial institutions in an effort to consolidate my debt ( posted   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
Consumer complaint received 2015-05-22
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Commonwealth Financial keeps calling me on my cell phone over and over. Each time I speak to a rep there, they claim that they do not have the number they are calling in my system, yet I use my cell phone to tap the incoming number when I 'm calling them back. I have asked them numerous times to remove my number since I have no business with them and they have no business with me. Please help me make them stop calling my phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-09-07
Company: Uprova Credit, LLC
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a loan from this lender on XX/XX/2021 for {$1000.00} at an annual interest rate of 392.58 %. After I make all payments I will have paid {$2900.00}. I needed the loan at the time to pay urgent housing-related bills to maintain my family 's health and safety, and in my desperation agreed to an usurious interest rate that should be illegal. I have made six biweekly payments of {$160.00} for a total of {$980.00}. On XX/XX/2021 I will make another payment of {$160.00}, bringing my total paid toward this loan to {$1100.00}. After I make the payment on XX/XX/2021, this lender should close my account as paid in full. {$1100.00} would be the total principal paid back plus {$140.00} in interest, which would be a 50 % annual interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Quicken Loans lifted the finance contingency on a home purchase, later reniging on the financing stating that debt to income ratio was an issue because of the potential monthly payment for student loans. Quicken Loans stated that I would need a consigner or to pay off my car loan at {$12000.00}. All debt obligations were visable and known at the pre approval stage prior to underwriting the loan. Due to the finance contingency being lifted Quicken Loans states that I stated that my student loans were in deferment while they were in forbearance. This is absolutely untrue, again all debt obligations were visable in the credit report. I was a recent college graduate as of XX/XX/XXXX this loan process began XX/XX/XXXX, repayment for my student loans would not be requested until XX/XX/XXXX, in which at that time a deferment could be requested. The home being purchased was a to be built with construction complete XX/XX/XXXX. Quicken Loans has caused me embarrassment, emotional distress, and cost me {$540.00}, as I lost half of my {$1000.00} in earnest money and about XXXX % of the {$400.00} in good faith provided to Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This complaint to XXXX was the result of their non-compliance to my request and fortheir refusal of getting the account, listed below, to be removed from my credit reports. Theyneither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistanceto help me block the concerned account for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}

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 2022-07-26
Company: Experian Information Solutions Inc.
State: CA
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 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, 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 instruction

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 2015-05-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I owe for a past due utility bill from XXXX. I received a notice XXXX XXXX that I owe {$90.00}. I responded back XXXX XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XXXX I received proof of the outstanding balance. I called the utility company several times over a 2-3 week period, finally received confirmation that the balance exists. XXXX XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Hauge Associates, Inc.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted Hauge and Associates via mail sent XXXX XXXX 2015 requesting validation of debt. I askfor them to send me back the requested information within 30 days of receipt. They never sent me any information, and rufused to validate, however they update the credit bureaus on XXXX XXXX. 'Account information disputed by consumer, meets FCRA requirements '. It is my right to be givin proff the debt is mine, and it is unfair that they continue to be unresponsive to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2021 - I tried to withdrawal {$1000.00} out of the Bank of America ATM at XXXX XXXX XXXX, XXXX, CA XXXX. The ATM did not dispense the {$1000.00}. I immediately called Bank of America to report what happened. I was told I would get some papers I needed to sign in 15 business days. When the letter came it just stated : " We've completed our review of this claim and determined no error occurred. Based on this information, we're unable to credit your account and now consider this disputed transaction closed. ''

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 2016-05-13
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender, Seterus, Inc., sent a letter and coupon XX/XX/2016 stating that I had a projected escrow shortage of {$8.00}. I included the payment coupon and the additional {$8.00} with my regular monthly payment in XXXX 2016, for a total payment of {$550.00}. The company has received the payment and cashed the check, but have credited the entire amount to my escrow account and show that I have not made an XXXX 2016 payment. I have been in telephone contact with Seterus, Inc iand spoken to XXXX XXXX ; XXXX XXXX acknowledges receipt of the funds, but states that they can not move my payment from my escrow account without written communication from me, which is only accepted by U.S. Mail. There is no way to send this request electronically. The result is that I will have late fees, that should not be charged to me as my payment was in their hands long before it was due. I am sending the letter but find that Seterus, Inc. business practices are predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i contact equifax because there was some unknown inquires on my credit report and i ask them to remove them because i have proof from the creditors to have them to remove the inquires but they fail to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: CORELOGIC INC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been working very hard to raise my credit scores, so that I might try to buy a home instead of renting. I have had child support issues in the past, mainly due to financial hardships out of my control, layoffs, injuries, ect. I have i.d . theft protection thru my bank, which I pay for monthly. this gives me access to my credit report on a daily basis, from the XXXX major companies, XXXX. when I told my real estate agent that my score was above his requirement to get me financed, he went ahead with standard credit check, on XXXX the company he used was called corelogic-credco. they sent him what they call a CREDCO INSTANT MERGE CREDIT REPORT. it reflected the positive payment history on my credit card, but did not show the positive payment history on my XXXX child support cases. when I look up my own report thru any or all big XXXX credit bureaus, they show positive payment history dating back 24 months on XXXX child support cases. Credco 's report shows NO payment history, and have XXXX child support cases listed as in COLLECTION. this is not true, due to the fact that Missouri is garnishing my social security, and my pension for this child support and have been doing so for years. I called credco, and they told me that they forwarded the report to my real estate agent, just the way they received it XXXX. I tried to call XXXX to no avail. why can I get my report with positive payment history, but credco and my real estate agent can not? this flaw in the system cost my home loan approval, even with my V.A. home loan certificate. my agent tells me that if the credit report would reflect my good monthly payment record for these XXXX child support cases, that he could have pushed loan approval thru. I reached out to everyone I could contact, only to get the runaround. everyone points the blame to someone else. are there not laws to protect people against wrongful or half truthful, or incomplete reports? seems to me that this system is set up to report as much bad as possible, so that the financial institutions can make money buy jacking interest rates on people with less than perfect credit scores. thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2015-10-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A judgment was granted against me for summary ejectment in magistrate court in XXXX XXXX, 2011 in XXXX County Courthouse, XXXX, NC under file # XXXX. I filed an appeal to District Ct. under file # XXXX the judge ordered that I pay {$340.00} which I had paid partially in an appeal bond of {$320.00}, I paid the remaining balance of {$17.00} after the hearing on XXXX XXXX, 2011. After the magistrate hearing XXXX the owner of the leasing company reported to the credit bureau the judgment and even though it was paid in full 4 years ago he refusing to allow the bureaus to remove or correct the judgment on my report. I have asked him to correct the report and I have filed several requests for investigation to Equifax. I have filed a civil action against XXXX because he will not allow the bureau to correct the information and tell the bureau that money is still owed even though the clerk of clerk has marked the judgment paid in full. The caption on the judgment is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is owned by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NC XXXX phone # XXXX XXXX XXXX I am the former spouse of a XXXX XXXX ( XXXX ) trying to re-establish my credit after the divorce to be able to support my kids and buy a home for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I believe my credit report created and maintained by Equifax Information Services LLC and/or its affiliates continue to cite errors with respect to my personal information ; to wit : incorrect and invalid property ( situs ) address. XXXX are CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the account, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned account for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}

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