BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids chips my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XX/XX/XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XX/XX/XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my oldest daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XX/XX/XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert back in XX/XX/XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seterus purchased a portfolio of default, non-performing loans from XXXX. XXXX of those loans is on a property at XXXX, TX XXXX that is owned by XXXX XXXX and XXXX XXXX. Their appears to have been under false information as it was a " XXXX home '' loan with a requirement for only the owner to occupy. They have never lived in the home. The home has been abandoned and vacant for well over a year. Since XXXX originated a bunch of these bad loans, they sold the default loan for mere pennies on the dollar. Seterus has not taken any responsibilities for this property. It has been broken into and had illegal squatters creating crime for the neighborhood. Seterus is happy to just sit on these loans. However, these unmaintained, vacant and abandoned homes are tearing up and really great neighborhood. It is attracting crime. We just want Seterus to maintain and secure the home if they have any thoughts of foreclosing. If not, then release the lien so it can be sold. The current owner has default and can not make arrangement for resolving the default. So, we the neighbors are STUCK with a vacant, abandoned home that attracts crime. Why should we pay just because Seterus has rights for the loan but refuses to take any responsibility until it so deems it is their best interest. What about the neighborhood?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NC
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 Account # XXXX, Account # XXXX and XXXX Account XXXX XXXX have violated my rights. 15 U.S.C.1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: CMRE Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company from another state has made bearing of false witness stating I have a medical bill of {$230.00} that they have falsely put onto MY CREDIT REPORT. Collection agencies that are being SUED FOR False representation WILL SERVE PRISON TIME. I DO NOT HAVE TO PUT UP WITH NOT ONE FALSE CLAIM. The robo calls and phone cramming started XX/XX/XXXX. There were also XXXX text and XXXX photograph XXXX sent to my phone. I sent a REPORT TO THE CREDIT BUREAU 'S on came back and claimed they checked on that bogus white collar crime debt saying it was updated - WRONG. That illegal debt collection SCAM IS FRAUD. Then it was stated that the debt was from XX/XX/XXXX - NOW FROM An ILLEGAL debt collection agency, NO that was not a verification as it was not verified where it came from AND THAT ILLEGAL debt collection agency HAS ALREADY BEEN REPORTED AS FRAUD. AN ILLEGAL update only ILLEGALLY put an ILLEGAL longer time on MY CREDIT REPORT - THAT IS FRAUD NOT A VERIFICATION. Calls have come from a XXXX XXXX XXXX number that started out saying they were a reputable school and could assist ME with any kind of degree I wanted. After I said NO, they kept on calling. I noticed that after awhile, my phone stopped working as well. Calls were not going through or dropped during conversations, I was not getting the full time of 30 days for phone access. My data was not working or saying I used too much data, I DO NOT USE MY PHONE THAT WAY. Then the same phone numbers of ; 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 - Called WITH A FAKE robo voice AND would NOT respond. Then later started Harassing saying I owed a debt. THIS IS connected to FRAUD from companies that have already ILLEGALLY taken My car and have threatened FRAUD on a house debt - ALL TOTALLY ILLEGAL AND WHITE COLLAR, or BLUE COLLAR CRIME. I KNOW MY INALIENABLE RIGHTS!!!!!!!! THAT STATEMENT IS IN GOD WE TRUST not no man of his selfish ways bearing false witness. CMRE Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
on XXXX XXXX, 2016 i send a certified mail to validate the account XXXX XXXX merchant which they received on XXXX XXXX, XXXX and under the credit act law they have 30 days to provide me with a original contract with signature and report dispute comments with credit bureaus within 30 DAYS which is XXXX XXXX 2016 which i printed a copy of. they send me a signature but did n't report dispute comment to bureau in time so they broke they law. so i send them a second letter letting them know that they did. they send me a letter on XXXX XXXX, 2016 saying they updated the dispute comment and which showed on my report lasted update XXXX XXXX 2016 but was way passed the 30 day time frame. then i get a alert from equifax for that company stating that there last updated was XXXX XXXX, 2016 which is a lie equifax broke the law under FCRA Section 605 ( c ) tryin " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. and doing so it should be removed. off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed an account listed on my credit report with XXXX at minimum 4 times. I have filed a CFPB complaint at minimum XXXX times. So far XXXX as repeatedly failed to comply with the law. The most recent illegal reporting has adjusted the Date of Last Default on an account to reflect a date that is completely invalid. Specifically, on my credit report an XXXX account currently shows with a last reporting of a late payment/charge off on or about XX/XX/XXXX. That is in fact completely inaccurate and not even remotely accurate. Specifically, the account also shows as a bad debt. However, per a letter dated XX/XX/XXXX that I have provided to EquiFax no less than XXXX times, and which on page XXXX clearly states " We last reported the status of your account to the credit reporting agencies as a charge off account, closed by the credit grantor. However, with the update to your account and its balance, it will next be reported as a satisfactory account, closed by the consumer, with a {$0.00} balance. '' This letter is signed by XXXX XXXX of the Customer Advocate Team and was filed with the CFPB in response to complaint XXXX on or about XX/XX/XXXX. EquiFax has repeatedly ignored this documentation an d mis reported the debt. EquiFax is the ONLY reporting agency that has refused to acknowledge, review and respond to the information. I have attached a screen shot of the account as listed on my EquiFax report, a copy of the letter from XXXX XXXX. At this point failure to correct errors WILL result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: SC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
AXXXX 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 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 2022-10-18
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: Information belongs to someone else

Complaint:
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 identify theft and did not make the charge. I ask that the following items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identify Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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 TO THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TXXXX 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  FOR EACH AND EVERY COMPANY I FAXED I CALLED I SENT CERTIFIED MAIL ALONG WITH MY REFERENCE NUMBER FROM IDENTITY THEFT.GOV WHICH IS 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX, IL 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 2016-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion has reported misinformation concerning possibly auto loan and mortgage loan.

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 2015-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I would like to express my sense of disgust with these XXXX credit reporting bureaus which abuse the consumers by posting inaccurate and unfounded facts on the reports causing an adverse financial injuries to consumer. 
1- These XXXX bureaus have mixed up my social security number with probably my cousins, or other family members and have caused that I have not been able to receive loans with proper rates. 
2- The parasitic companies like XXXX, XXXX which thrive on ripping off people have filed that I had late payments or I owe them. I have letters from them that I owe nothing and the information should have not been there. XXXX erroneously had applied my payments to another account causing late recording on my account. They promised to fix it and notify these XXXX disgusting credit report agencies ( Trans/etc. ) to remove the errors. It is still there and with impunity they have kept it there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Checked my report in XXXX 2016 all my inquiries showed deleted. Never received a notice. Check my report now the inquiries are back.

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 2016-07-25
Company: Servis One, Inc., Titusville, PA Branch
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A Notice of Error was sent to BSI Financial on XXXX/XXXX/2016 requesting proof of foreclosure loss mitigation notices and the notice for the final date for loss mitigation. A request for a loss mitigation review for the Making Home Affordable Program was sent to on XX/XX/2016. They still have a scheduled sale date for XXXX/XXXX/2016 without responding to the request for information or the loss mitigation review.

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 2016-10-04
Company: Professional Finance Company, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Have no idea what this debt is and was never notified of any debt or collections..my credit was at XXXX XXXX weeks ago. Please help if possible

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: IL
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 contacted the three credit bureau about an account on my report. Its been over 30 days and I still havent heard anything back from the company nor the three credit bureaus

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 2022-10-12
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: Credit inquiries on your report that you don't recognize

Complaint:
my address on my report are wrong XXXX XXXX XXXX XXXX  Ca XXXX i never lived in california alos this address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the hard inquires are 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 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 2022-10-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am reaching out agin looking for answers and help in regards to my well Fargo XXXX I Previously sent out a complaint and in regards to this account Wells fargo did not give me the Opportunity to pay off my remaining balance. Now I see a decision that was made and we're XXXX regards to the 1st to the 1st complaint that XXXX did I sent out. Wells Fargo stated that day extended my time to XX/XX/2020, now at that time that did not help me I did not have XXXX XXXX  and I was unable to make the payments.and was done on There behalf was they put the payments on a freeze, Which still had an interest charge that was gon na be added At this time I'm reaching out again to ask for some help I would like to pay my remaining balance that I had before we went into the pandemic. The closing letter is the same letter that they sent to me years ago. If there's any type of help it is XXXX 's day that I'm being charged at interest charge that charge that was waved off by all companies when we was going through this pandemic. I understand the initial agreement agreement but I did not know that I was gon na be XXXX  XXXX  months into the year can somebody please help me with this situation.

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 2016-05-24
Company: Blackhawk Network Holdings Inc.
State: OH
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
Hello, I had an unauthurized charge on my prepaid gift card. HAve been going through the process with the company however they refuse to respond to my dispute or any phone calls anymore. They promised it would be reviewed within XXXX days and it has been XXXXmonths! 

The company is Intellispend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
BSI keeps responding skating around direct answers and still this to date not answering XXXX direct question. I am also now going to FTC.

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 2021-01-07
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage provider, XXXX XXXX XXXX, sold my mortgage to a new provider, mr cooper ( Nationstar Mortgage ), effective XX/XX/XXXX. The transfer process allowed the autopay process to transfer to the new servicing company. The new company, mr cooper, took out twice the amount they were allowed per loan agreement for XXXX. After contacting mr cooper about their error mr cooper they subsequently increased my principal & interest ( P & I ) portion of my payment to 10 times the amount shown on the loan agreement I had with XXXX. I again contacted mr cooper about their error, confirmed they had all supporting documentation including loan papers, payment history, and statements from XXXX. The Mr cooper representatives I spoke with all confirmed they had the information and agreed there is an error in their system. I received notice that my request to correct the error was being transferred to another department within mr cooper ( XX/XX/XXXX - date of verbal notification ; XX/XX/XXXX written notification ). I get daily emails and other notices that tell me I am overdue on my payment but no updates on when or if they will correct their error.

Company response to consumer: Closed with explanation