BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I closed on a 30 year fixed rate conventional mortgage on a second home on XX/XX/2022. The mortgage company the provided the loan was Primary Residentional Mortgage Inc. This part went off without a hitch. 
We received a letter from XXXX dated XX/XX/2022 that servicing of our mortgage was being transferred to XXXX  and that payments beginning XX/XX/2022, which was the due date of our first payment, would be with XXXX. We expected to receive a welcome letter from XXXX with information about making payments on our mortgage to them. We have not received any communication from XXXX as of XX/XX/2022. 
In late XXXX, not having received communication from XXXX, we attempted to contact XXXX to get instructions on making our first mortgage payment. The XXXX customer service number provided in the XX/XX/XXXX communication from XXXX was no longer in service. So we contacted XXXX customer service to ask what to do. XXXX stated that they could not accept mortgage payments because XXXX was now responsible for the loan. But XXXX did provide an updated customer service number for XXXX. We used the updated number to contact XXXX. XXXX  customer service tried looking up loan information by both my social security number and my wife 's social security number, but found no loans associated with us and told us they could not help us. 
Not wanting to become delinquent on our mortgage, we mailed a check for our payment amount to the XXXX  Payment Processing address provided in the XX/XX/XXXX letter from XXXX along with the XX/XX/XXXX payment coupon to XXXX that we received at closing. We assumed that XXXX would be able to correlate the property address on the coupon and our names to the correct account. However, as of XX/XX/XXXX, the check has not been cashed. 
We again contacted XXXX customer service on XX/XX/XXXX to discuss the check not being cashed and any updates on our loan transfer. XXXX  customer service again indicated they did not have any information on our loan and could not help us. 
I sent an email on XX/XX/XXXX to our XXXX loan officer that we worked with originally to request inputs from him on how to proceed. No response yet from our loan officer. 
We are very concerned that something has gone wrong in the loan transfer process and that when it gets sorted out we will be accused of being late on our mortgage payments, be put into default status and our credit rating affected. We are looking for any possible assistance to get this problem cleared up and to document that we have been diligent on attempting to make the payments that we owe on this mortgage. 
Thank you in advance for any assistance that can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to ALL XXXX credit bureaus- XXXX XXXX Experian XXXX XXXX several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.

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 2022-09-29
Company: EQUIFAX, 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:
As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. Please investigate and consider the following accounts : XXXX XXXX Balance Owed : {$0.00} This account has been paid and the balance is XXXX and yet you are still reporting this account as late which is a clear violation of the Fair Credit Reporting Act. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. I need you to please remove the late payments from this accounts payment history or completely remove the disputed account as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$1500.00} I have been trying to dispute this account have the payment history corrected and yet you have done nothing. I was never late in paying for this account and the presented late payments in the accounts payment history is erroneous. Please correct the payment history by removing the reported late payments as soon as possible. 
XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} This account was not and never late to begin with. You are reporting an incorrect and misleading information on my Credit File and I have been trying to request to you to correct the payment history. I am requesting that you remove the reported late payments on this account and report accurate information only. Under the FCRA Credit Reporting must be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX : {$8800.00} XXXX XXXX XXXX : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$8700.00} XXXX XXXX XXXX : {$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 2022-09-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX : {$8800.00} XXXX XXXX XXXX : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$8700.00} XXXX  XXXX XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: NY
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:
I have a loan with XXXX XXXX XXXX XXXX, this loan was set on AUTO pay, when i realized there was a late pay reported on my credit I called them and they told me they attempted payment and it didnt go thru, no one called me no phone call, no emails, no mail letting me know my auto pay was removed. I spoke with a representative and she was able to withdrawl late payments from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have repeated disputes on my credit reports since first discovering the debt in 2019. The collection company keeps resubmitting this debt like a new collection. This continues to drop my credit scores. This collection company should not have the right to repeat a debt as new repeatedly damaging a persons credit scores. I told them when disputed that I didnt know anything about this debt and I had an active current account with XXXX the name on the original collection. XXXX is no longer a cable company. This collection company continues to report as a new collection item. How can a company continue to damage a persons credit score by changing dates like its a new account not paid repeatedly. That should be illegal.

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 2022-09-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account is not mine but is reflecting on my credit reports. 

XXXX Acct # : XXXX Opened : XX/XX/2020 Amount : {$5900.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
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:
This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/2019 Amount : {$32000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX  any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2022-09-29
Company: EQUIFAX, 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:
This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/2019 Amount : {$32000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX  any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Millco Management
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I was reviewing my credit report and I found a bill from XXXX XXXX that was sent to collections on the dates that it was acquired I had full medicaid and shouldn't have the collection more than. One dispute has been entered and they refused to remove and submit a claim for my insurance it is therefore not a valid debt

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my first complaint against Capital One Auto Finance. I have been disputing this account for over a year now. Capital One has ignored my request to provide me with all documentation in their possession pertaining to this account. I have sent two request to them via certified mail and have never received a response. I need these documents because I strongly believe that Capital One Auto Finance is in violation of multiple laws and I honestly feel that's why they haven't provided the information. So at this point I don't know why they are still reporting this account to my credit reports when its clear they don't have the proof. Oh, here is my tracking number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion has dropped my credit score by over 40 points. No negative information added, no collection, all accounts paid and balanced reduced. Claimed dispute filed, no dispute filed.called XXXX XXXX, no record of any dispute all accounts in good standing. No reason why account credit dropped. 
Account was up to date and accurate and suddenly dropped XXXX points right before buying a home, for absolutely no reason. Called all account holders, no issues or concerns, called Transunion told computer did it and they cant do anything to fix or resolve it. 
No reason for decline of credit and its now harming myself and family before home purchase. They refuse and declined to repair or fix this. No other reporting agency shows any negative information or impact. Tried to order and acces own credit report and wont allow me access to my own report. Logs off and wont allow access. Claims I must call to access report. When I call says already accessed report. No negative on report I can view online through XXXX and XXXX XXXX. Credit increased with other agencies. Please investigate this erroneous harmful error.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: PA
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:
Received a response from XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX around XX/XX/2022 from a complaint made with the CFPB. The complaint was about the inconsistencies of bill pay and reporting with the company throughout my time having this lease out. 

He admitted to these mistakes and assured that no negative reporting would be made. 

I checked my report and saw that it was a negative mark that has effected me by a 70 point swing. I submitted the dispute with experian and the company disputed and didnt hold up their end of the bargain. 

I have also reached out by phone to XXXX XXXXXXXX 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 2022-09-29
Company: ACIMA CREDIT, LLC
State: AZ
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT After reviewing my consumer report your corporation is acting on the behalf of a debt collector attempting to collect an alleged debt. I am demanding that these late payments be removed from my consumer report as they have been furnished without my consent. 

In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation I demand deletion of these accounts from my consumer report and if I am not taken serious I will invoice and take this too a federal matter Sincerely, XXXX : XXXX, Beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize the credit inquiries below. 

XXXX XXXX XXXX  Location XXXX XXXX  XXXX  XXXX XXXX XXXX, CA XXXX Inquiry Type Individual Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX/XXXX  Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with XXXX  Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/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 2022-12-12
Company: EdFinancial Services
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When asked about loan forgiveness for nurses was told that only teachers qualify for forgiveness. When asked about XXXX was disconnected and when I called back I couldnt get through. Request a refund of payments I made since XX/XX/2020. Its been 2 months and it reflects on my loan amount but I dont have the refund yet. Its very difficult to know whats available when they arent forthcoming with information or answers. So frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize

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