BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My name is XXXX XXXX, my Loan number # XXXX. Im writing concerning of how your company has handled my mortgage, and questionable business practices. Ive been deceived by your company, mortgage representatives, and legal counsel. I would like to speak to someone from a corporate representative concerning this situation. I was making payments up to XX/XX/XXXX, then was told by Loancare that they are now mortgage handler and to suspend payments until XX/XX/XXXX due to paperwork and processing. XX/XX/XXXX arrives and im informed Ive defaulted due to 3 months of nonpayment, and in forclosure?!? Now apparently my home was sold on XX/XX/XXXX. Ive had communications with Loss Mitigation, and the attorney involved, both implied that a solution could be made to the situation. Neither gave notice it was up for auction, or lose my home. Ive been told today by XXXX XXXX XXXX attorneys office they were in favor of restarting the loan and resume payments. Today XXXX XXXX emails me stating that it was sold in XXXX, and that Ive lost my home and to contact the attorney??. This is outrageous! I cant believe this is how Loancare operates, its inhumane and unethical. Im consulting an attorney on my legal options, and other avenues to keep my home. Im XXXX, retired and now will be homeless. I appreciate any assistance in this matter. 

XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-10-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
wells fargo open up account that i did not authorize violation of my rights with hippa and cra never knew what to do until my consultant told me to file here

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 2022-06-12
Company: Experian Information Solutions Inc.
State: OH
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 16 U.S.C 1681 section 6021. 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 non-monetary relief
Consumer complaint received 2017-10-17
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: Old information reappears or never goes away

Complaint:
For the past two months I have requested that all 3 credit reporting agencies address and correct multiple errors on my credit report. However, once their investigation is complete they do n't fix nor remove anything but instead stare they have updated my account information with each debt collector I inquired about. Sixteen negative remarks are from the XXXX XXXX XXXX and XXXX ( both student loan lenders ). These two debt collectors have multiple listings of the same account number and loan. I found that one account is reported four separate times. The credit reporting agencies are maliciously and intentionally allowing the lenders to falsify my credit report. I know this to be true because each debt shows up repeatedly. Moreover, the creditors have multiple accounts listed as : each debt collectors name, account number, initial balance owed, listing date, and have N/A reported for current amount owed, monthly payment applied, etc. Also, the credit reporting agencies have inaccurate addresses listed, phone numbers, valid prior addresses have been deleted or removed and they also have two negative remarks that are medical debt. The medical collections are also counting against my credit report and score. Please advise

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 2017-10-17
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Just got off the phone from talking to three different people in three different departments from American Express. They closed three of my personal accounts back in XXXX. They said because they saw a charge of around {$750.00} from my XXXX XXXX to a " business I 'm affiliated with ''. It was for my tithes to my church. I told them I 've been with XXXX for 16 years. I 've always given my tithes and offerings to my church with my cards. I am a XXXX but they said people could be funneling money to themselves. And because it was a system shutdown there is NO APPEAL for reinstatement. I tried to get in touch with them on their Online Chat but they could never answer my questions. I tried numerous times over the past couple months but finally today I got in touch with the right people. I said how could you guys close my account and not officially review it with natural eyes instead of some computer system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act. The list of account below has violated my federally protected consumer rights to " Accuracy and Fairness of Credit reporting '' under 15 U.S. Code 1681 ( a ), ( 1 ), ( 4 ), and Compliance and Procedures under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX Account # Has violated my rights XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Has violated my rights Accounts # XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX Has violated my rights XXXX. No Account # was posted

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 16 U.S.C 1681 section 6021. 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 non-monetary relief
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act. The list of account below has violated my federally protected consumer rights to " Accuracy and Fairness of Credit reporting '' under 15 U.S. Code 1681 ( a ), ( 1 ), ( 4 ), and Compliance and Procedures under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX Account # Has violated my rights XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Has violated my rights Accounts # XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX Has violated my rights 1. No Account # was posted

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 2021-04-14
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Had a total loss. The Gap insurance coverage required from me to obtain a copy of the ELO Connected and Protected agreement. Which I had to obtain directly from the office were I financed the vehicle. 
They were not able to assist me stating they do not house those agreement and it's been almost two years since I financed the car. 
They gave my a contact name of XXXX XXXX at XXXX. 
XXXX. 
I called her XX/XX/2021. She answered and said she would get me the agreement. 
I have followed up with her several times and even the finance office again and as of today XX/XX/2021 I have yet to receive a copy of the agreement. 

This is causing my total loss to be delayed and is damaging my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: MD
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  Account # XXXX, all have 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 consent, and or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I want to begin by saying ... .I DO NOT have any negative information on my credit reports. I pay a monthly fee to monitor all 3 credit bureaus. I have always paid my payments on time. Because I have excellent credit, in 2016 I took advantage of credit card banks offering me credit and promotional interest free balances for a period of time. Generally 12, 15, 18 months. Of course I am required to pay minimum payments every month. As long as minimum payments are made, there will be no interest charge. 
My complaint is with Bank of America. I have had credit cards with them for over 20 years. NEVER late with a payment. In XXXX of 2016 I was standing in line at a grocery store with a friend paying for groceries with a Bank of America credit card. The clerk said the card was declined. I thought there has to be a mistake. It was embarrassing. I used a different card. The next day I called Bank of America. I was told that all 3 credit cards were closed. I would be receiving a letter. I did receive 3 letters the next day, 1 for each credit card account. The letters stated, as a result of a recent review, we 've closed your accounts. I explained to the Bank of America Representative that I had 5 automatic monthly payments on 1 of the cards that totaled approximately {$120.00} per month. Would I be allowed to give {$500.00} to them to keep the card active to the limit of the remaining cash balance. Allowing the {$120.00} charges per month. In other words, a collateralized card. I was denied.

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 2017-06-27
Company: Statebridge Company
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, XXXX XXXX, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a cent. I had already surrendered the property to the previous servicer, State bridge LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Account information incorrect

Complaint:
I am a victim of hurricane XXXX and was offered to place my morgage payment on hold till XXXX XXXX with no penalty under the civil relief act. I made a agreement with carrington morgage to pay back by XXXX XXXX and they promised not to report on my credit report. So I place my morgage on a 3 months forbearance. All those promises is all over carrigton website but they are placing all missing payments on my credit report. I had called several times and ask them to remove that from my credit report but so far nothing happened. This is damaging my integrity and I need them to remove that negative information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, As a victim of the XXXX hack I am trying to set a freeze on my credit reports. I noticed that XXXX does not charge XXXX residents who have been hacked while Experian does charge XXXX  residents without giving them an opportunity to indicate whether they have been a victim of identity theft. 
I signed up for both of the freezes today on XX/17/2017 between XXXX and XXXX. 
I tried to resolve this unwarranted charge of {$10.00} through Experian 's website but was unable to do so. 
I 'll let them know I am placing this complaint with CFPB, but if there 's any other way I can help please let me know. 
Thanks

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 2019-07-28
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: Information belongs to someone else

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2021-07-07
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: Investigation took more than 30 days

Complaint:
For 6 months I have been disputing inaccurate information on my credit reports. From what I can tell my letters were never even opened because I did not receive results in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: P.S.C., Inc
State: GA
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:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am a victim of identity theft. See Attached FTC Report, Utility bill, and form of identification and remove the following accounts per 605B of the FCRA. 

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 2019-07-28
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied and was pre-approved for a Manufactured Home Loan on ( XX/XX/2019 ) later it was denied. The irony of it is that the first decision was supposedly based on credit history, but the questions that were asked to me by the officers/processors were related to age and somewhat about credit and work history. Another irony is that I proposed a 22 % down payment. The lady was very eager to ask for money to conduct the appraisal, processing, etc. Later she denied it. She even was reluctant to talk to me by phone and did not answer my calls and messages. 
I feel that Vanderbilt is violating the Fair Credit Practices in terms of Housing and Fair credit in terms of personal loans and/or credit cards. The reason is that the lady used other factor than the capacity to repay the loan. The factor that she used was two-fold : age, and national origin. I also believe that the decision was not fair and was solely based on age and national origin or race. It means that Vanderbilt is trying to make America XXXX  and Young Again. Please, consider this a formal complaint and be aware that I am seriously considering 1. File a Formal complaint with HUD Office of the Inspector General and the Consumer Protection Agency, 2. Develop a blog to let other people know about these practices.

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 2019-01-31
Company: Experian Information Solutions Inc.
State: GA
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:
My Experian credit report has an entry for a bankruptcy. I have contacted Experian by mail with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in reference to this erroneous listing. On each occasion they had responded to information verified as accurate. I have also requested the procedure they used to verify the information and I have not received it. Experian has clearly violated the FCRA and they continue to report the unverified 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 2022-06-12
Company: CITIBANK, N.A.
State: GA
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: Problem with personal statement of dispute

Complaint:
I had a CC with Citibank that I paid out completely XX/XX/2020, and it still showing I never made any payments and late payments accruing. I have all the documentation, but will not let me upload docs during dispute. Please advise.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: WA
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 am a victim of identity theft. See Attached FTC Report, Utility bill, and form of identification and remove the following accounts per 605B of the FCRA. 

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