BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and I have been negatively impacted significantly by XXXX XXXX erroneous reports. They have reported three times that I was late on my payments, or missed payments with them. This is absolutely false. If anything, we 've made extra payments more than required to avoid any issues. I have never been late once by a day, nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I knew the debt was owed, and was making small incremental payments to the original company. They proceeded to send the debt to a collection angency, CBSA Collection, who had the wrong amount owed, told me that the management company said I was not paying or paying too slow. Since that time, I ageed to pay on the account by the 10th of each month, the amount of {$50.00}, which I pay every month and have not missed a month. BUT, every month, I have to contact the company, because the website is always down and unable to access it to make the payment like I should. This month, they have not fixed the website at all, and I am going to have to call and make a payment over the phone. They charge me {$4.00} to make the payment on the website and yet the website is always down. They also report to the credit agencies that the payment is always late. 
This has become a frustration, especially at this time with finances being tight due to the many shutdowns, and it is like they do not want me to make the payment so they can harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon Reviewed my credit file, it appears there is a XXXX Collection in the amount of {$210.00} that have already settled. It Reappear in my credit files after it was already settle with the creditor.

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 2015-07-01
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call daily starting early in the morning. They have called up to four times per day from multiple numbers. When I call back they will not say who they are. When I search the number online it comes back as Consumer Adjustment Incorporated. XXXX of the numbers used are XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX, I paid off the remaining balance on my four Federal XXXX  student loan accounts with XXXX ( XXXX XXXX XXXX ) totaling {$2200.00}. In XX/XX/XXXX, XXXX XXXX score was XXXX and XXXX in XX/XX/XXXX. By the second week of XX/XX/XXXX, XXXX XXXX credit score dropped 133 points from 686 to XXXX. In addition to the negative scores, my online credit information from XXXX and XXXX XXXX XXXX indicated the factors damaging my credit were : Serious delinquency Presence of serious delinquency on one or more accounts XXXX and Equifax to remove and correct all inaccurate information and any references to the negative reporting of Adverse or Negative and Maximum Delinquency of 60 days and NOT_MORE_THAN_THREE_ PAYMENTS_ PAST_DUE on all 4 XXXX student loan tradelines from my credit file. The negative reporting on all 4 XXXX student loan tradelines are incorrect for several reasons : a. Existing information on XXXX website ( Loan Details ) cites 0 Days Delinquent during term of student loan repayment. 
b. The OK/Current payments recorded in XXXX and Equifax Tradeline Payment History Charts affirms the 0 Days Delinquent information indicated in the Loan Details from XXXX website XXXX 
c. The Equifax Summary Details for Account Status , labels all 4 XXXX tradelines as being NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE, and XXXX of 60 Days Past Due Date XX/XX/XXXX, contradicts the OK/Current data recorded in the Tradeline Payment History chart sections for both credit reporting agencies. 
d. In the Equifax and XXXX Tradeline Payment History charts, the XX/XX/XXXX ratings section is omitted ( this is the month the loan was paid and closed ) and instead the Tradeline Payment history chart ends XXXX XXXXand is marked with OK payments for XX/XX/XXXX and ALL months prior. 
e. My account can not be 60 or 30 days ( both less than 3 payments ) past due in XX/XX/XXXX when the prior months of XX/XX/XXXX and XX/XX/XXXX are deemed OK/Current ( Due date on XXXX accounts were the XXXX of every month ( there are only 30 days between XX/XX/XXXX, and XX/XX/XXXX ). 
XXXX and Equifax should have immediately flagged the errors and inconsistencies by requesting XXXX to validate or provide the correct data before incorrect or false information is added to my credit file. My credit has been irrevocably damaged causing me great harm. With poor scores and negative information in my file, for the next 6 years or XXXX I will be unable to secure credit, a lower interest rate, any additional lines of credit, a mortgage for a home, or obtain an auto loan. On XX/XX/XXXX, I was already denied a loan from a company with whom I previously had a line of credit which I paid-off in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Flagstar Bank, N.A.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Where do I even begin with my hardship and request for help from my lender. My Hardship began last year when Covid hit. I was out of my job and furloughed because the company I worked for could not book any appointments. I got a covid extension plan and then now I know that I qualify for covid owner occupied loan modification my lender is not helping me. I have been denied twice now when I know that a covid owner occupied loan modification does not require any documentation as long as my hardship started when covid was announced. I am desperately trying to save my home and hope that this complaint will help me get the help I need.

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 2016-04-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit reporting company Experian is reporting my mortgage payment as late. My mortgage payments has not been late in over 5 years. This is also affecting my credit score. I have been trying to resolve this issue with Experian over the past 2 years to no avail. This information can also be verified with my mortgage company. Calls made to the company have been unsuccessful, due to the fact that it is a constance recording.

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 2020-06-09
Company: AMERICAN INTERNET MORTGAGE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was being serviced by : AIM Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX I refinanced my loan on XX/XX/XXXX2020 with a different lender. The payoff with AIM was processed by them on XX/XX/XXXX, XXXX day after they received the payment disbursement from the title company on XX/XX/XXXX. That is problem 1. 
I called to inquire about when I could expect to have my escrow refund in the amount of {$2800.00} mailed to me. They stated that their policy is to hold the payment for 15 business days and then it would be mailed to me on XX/XX/XXXX. On XXXX/XXXX/2020, I called to verify that they indeed mailed my refund check. To my surprise, they had not mailed it. They claimed that because there was a hold for regular disbursements XXXX taxes and home owners ) that they for some reason did not recognize the loan was paid off and so did not issue my check after the 15 day hold period. They did state that they would now request that my check be issued, but in order to process that request it would take another 3 business days. So at that point, they will have held my escrow balance for an additional 7 business days beyond the original 15 business day holding period interest free. That is problem 2. This seems to me to be very questionable, and if these so called delays and hold times are typical, they could actually make a decent amount of money just on the interest from the escrow balances on customer 's accounts. This should be taken seriously as this is not their money. They hold it in good faith, and I feel that has been betrayed. Had I not inquired, who knows how long they would have held my money. I escalated to a manager, and he escalated to their escalations team, but said I would have to wait up to 24 hours just to talk to them. I am requesting that they issue my check immediately and overnight the check to me, but I have not been contacted yet by their escalation team. I want this investigated by you so that hopefully this will bring attention to unethical practices and prevent future customers from experiencing at best this poor administration and at worst corporate corruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Cornerstone Home Lending Inc.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgarge was sold from XXXX XXXX XXXX XXXX XXXX immediately to Cornerstone Lending. My first issues began when I paid my shortage amount in XXXX 2015. I paid in plenty of time for it to be applied to my account. My bank statement showed Cornerstone cashed my check on XXXX XXXX. I called to make sure the payment had been applied, I was told it had not been as of XX/XX/XXXX. I had to call back in a few days to make sure, which I did. I was told a few days later that the amount was applied and my new payment would be XXXX. They did not credit my account which resulted in the wrong amount being withdrawn in XXXX. My bank statement showed XXXX being deducted. I called again and was told they would apply the extra amount, over XXXX to my principal per my request and that my XXXX payment would be XXXX. I then, XXXX., received a letter stating they had not received my payment of XXXX and my XX/XX/XXXX payment was late. I called and spoke to XXXX who said, no, that was incorrect, my payment had been received ; I have autodraft, and to disregard the notice. I got another letter dated XXXX or XXXX that said " thank you for your XXXX payment ''. Last week, XXXX XXXX about, I began getting phone calls with no one on the other end, from New Jersey. I ignored them. I got another one today, it connected, asking me to call Cornerstone. I called and was told my XXXX payment had not been recieved. I had to call my bank so they could send a letter verifying the payment had been made. Again, I have autodraft. I asked to talk to a supervisor. I spoke to XXXX who said my XXXX payment had been applied to my principal, so no payment was made in XXXX. 
I am losing my patience with this company! I got another letter today stating they had assessed a late fee and my payment for XXXX is {$1500.00}! I can not take this anymore. 
Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have many issues that I 'm dealing with but I will list them below : # 1 Experian has a security freeze and fraud alert on my credit file and I never authorized or requested this to be placed on there. I have written to them and requested that this be removed 4 times now to no avail. With each letter I include my identification as required. 
# 2 I am receiving letters stating that they will no longer investigate ALL of my accounts which is a violation of section XXXX. Their words are literally that they will not investigate the SAME dispute, and I have never submitted the SAME dispute # 3 Experian took 40 days to send me results # 4 When I call, I am given no answer and told to write a letter. See # 1

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 2016-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Inaccurate information on credit report XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 

Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016

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 2022-05-13
Company: Experian Information Solutions Inc.
State: NY
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, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 2016-07-09
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy within 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 2016-03-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed with the credit reporting agency Experian with no help. While there are still a lot of errors on my Experian credit file I am not offered the opportunity to continue disputing the matters because they said the investigation were completed but the results remained the same so I do n't think that they invested throughly.

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 2016-02-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA.

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 2017-03-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX was contacted several months ago to notify the merchant that there are two accounts listed on my credit report ( when I only had one account with XXXX ) that has been paid off and closed. 
XXXX account ( XXXX ) - This collection is listed twice on my report- XXXX was requested to remove the duplicate collection item. 

C. Additionally, please change the comments about the account to note that the account was closed by the consumer ( not creditor ) due to termination of services.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 report act convergence numbers have violated my rights.

15 U S C 1681 602h, I have the right to privacy 15 U S C 1681 604a section 2, Consumer can not furnace a account with out my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2016-04-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint about Equifax because they failed to provide me with the documents that they have on file, with which they used to varify accounts that I disputed. 
After 30 days Equifax responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be varified. '' Please help with resolution to this problem. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The accounts XXXX and XXXX ( ANY AND ALL ACCOUNTS REPORTED UNDER XXXX XXXX XXXX ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over one of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the following accounts with Experian on numerous occasions : XXXX XXXX XXXX ( XXXX accounts ) and XXXX XXXX XXXX XXXX ( see attached documentation ). The XXXX does not belong to me yet this bureau continues to report this inaccuracy. This reporting is in violation of my consumer rights. I have furnished them evidence that proves the account belongs to someone else and not me. The XXXX has reported incorrectly since it was placed on my report. How does a collection account have terms. I never entered into a contract with this company. Additionally, how does a collection account have a past due amount. I never entered into a contract with this company nor have I ever did business with them. This account is reporting as though it is an original creditor and I have never did any transactions with them. I have brought this to the attention of Experian on numerous occasions, yet they still continue to violate my consumer rights and report this inaccurate information.

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 2020-06-09
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE PREVIOUSLY REPORTED THIS ACCOUNT AS FRAUD/ IDENTITY THEFT. THIS ACCOUNT DOES NOT BELONG TO ME AND XXXX  IS THE ONLY BUREAU THAT HAS NOT REMOVED THIS ACCOUNT FROM MY CREDIT PROFILE

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