BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
After numerous disputes regarding fraudelent items on my credit report, the items have still not been removed. The credit reporting agencies are stating the items in dispute are " verified '' even though the items are fraudulent. 

I am including my FTC report as well as other supporting documents in hopes that the CFPB will help me to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: WASHINGTON FEDERAL BANK
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I have been working with Washington Federal Bank to secure a new construction loan to build our retirement home. We began this process XXXX XXXX, XXXX. As of XXXX XXXX, with so many delays from the bank, the construction price has escalated, and the cost of the loan has increased to the point that put the project out of our budget. 
We are looking for the bank to cover the cost of what we have spent in trying to secure the loan during the past year. Those costs are on an attached document. 
We filed all requested documents and information in a timely manner. The banks delays during this year long process has let us both emotionally drained, full of anxiety and stress. Not a good situation for my wife who has XXXX and is suppose to avoid stress and stressful situations. 
We did n't know where to turn, so we thought consumer affairs would be a good starting point. 
I have attached a number of documents for your review. 
We are able to answer any question that you might have. 

Thank you XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MO
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 contacted Webster Bank a few times by phone and they wouldn't said I had to write in ( which I did ) and I never heard back in XXXX & XX/XX/XXXX. 

1. I paid this home equity loan account off 100 % and was not late as they are reporting in XXXX, XXXX XX/XX/XXXX and in XX/XX/XXXX & XX/XX/XXXX. They are even reporting me late when I had sold my home in XX/XX/XXXX. I told them this and they still report late pays when I paid on time and reporting late pays when I didn't own the home- the loan was 100 % paid offXXXX I also paid on time in XXXX & XXXX. 
An Example of all the reporting errors and things that are untrue 1. on XXXX XX/XX/XXXX Webster reports I am 90 days late paying- I had already sold the home & paid off the entire balance and owed them zero.. 
2. on XXXX XXXX XX/XX/XXXX XXXX reports XXXX am 60 days past due in XXXX XXXX even though again- I paid off the loan and didn't own home anymore. 
3. on XXXX XX/XX/XXXX they said I paid on time but I didn't own home. 

All 3 agencies are reporting a different number of late pays- Webster are also reporting as the wrong type of account.on my XXXX reports it as an overdraft checking account.. Its not a checking account.. 

I want this account removed and deleted from all 3 credit bureaus- XXXX, XXXX XXXX and XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
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 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  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 : its also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

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 2017-03-17
Company: Innovis
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I pulled my credit report and noticed that there were some unauthorized inquires on my report. Therefore, I contacted the creditor listed and their response was that they did not actually pull my report, but that another company used their software. They then referred me to another company I have never heard of and I was unable to resolve it with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, Back in XX/XX/2020 Bank of America marked a late payment on credit report for a credit card I hold with them. 

I was never notified of this, neither via mail, email or a phone call. Only when I went to apply for a mortgage did I know I had this mark against my file. 

I was not ever given a chance to rectify this situation, despite being a long time customer of the Bank, and despite never having any issues with paying my bills in full and on time. 

I would like the late payment to be taken off my file, it is hindering me in life, and was practically speaking never anything I was allowed to do anything about. 

I hope you're able to help me get my life back together.

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 2022-07-25
Company: WSFS FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wilmington Savings Funds Society owns my mortgage. They hired a mortgage servicer named XXXX XXXX XXXX XXXX ( XXXX ) to service my loan. Now XXXX have mismanaged my mortgage not applying payments correctly and now I have a delinquency notice even though I have made all payments, In addition my adjustable rate mortgage is adjusting upward approximately 1.5 % in XX/XX/2022. I have been informed Verbally of XXXX things. XXXX that I am not Delinquent and XXXX that my monthly mortgage payment will go down more than {$100.00} per month. I asked if my interest rate is increasing how can my monthly payment go down? They had no answer. I asked if the terms of the loan is being changed and was told no. Still the question is how my rate can increase and my monthly payment go down? My monthly payment can not go down if the terms of the loan don't change. Obviously Wilmington Savings Funds Society and XXXX are colluding to increase their interest profits by illegally changing the terms of the loan. My note terms can not change by contract. The only thing that is allowed to change is the interest rate. Illegal activity is taking place on my account by Wilmington Savings Funds Society by hiring such a corrupt and unethical company to service my 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 2016-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The below " also-known-as '' names were quoted in my XXXX, 2016 credit report, I have NEVER been known under these names, please DELETE them : 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 2022-04-20
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was " passed to '' or bought by Freedom Mortgage in XXXX of XXXX. I never had any problem until Freedom has been my mortgage company. My payment started out at $ XXXX and had potentially increased to $ XXXX in XXXX until I raised XXXX about whatever is going on with this company and my account. I have to call them 2 or 3 times monthly because of major discrepancies. Finally one of the representatives agreed that something was not right on my account and had the company do " research ''. My payment went from {$1300.00} ( the payment that was increasing from {$1300.00} in XX/XX/XXXX ), to {$1300.00} due to this research. Now I'm wondering about the balance. Is it correct? 
Ever since I've been with Freedom they have been literally hounding me to refinance by sending two big packets, calling and sending notices to me! 
In XXXX things really took a turn for the worst. All along, they kept constantly telling me that my Escrow was insufficient and my payment kept increasing. Finally, this year after they threatened to increase my payment once again from {$1300.00} to {$1300.00} for XXXX 's payment, I said, " If they're taking out almost {$700.00}. for my escrow each month how can I be so short so much? '' I feel like my payment is skyrocketing out of control! In XXXX I had decided that I needed to babysit Freedom and keeping very close track of my Escrow, but things are continuing to spiral. 
In XX/XX/XXXX they took two payments out of my account for $ XXXX and they had to refund a payment. 
In XX/XX/XXXX they took my payment of {$1300.00} ( my new payment after the research ) and then tried to take out {$1400.00}, charging XXXX non-sufficient fund fees to my account for {$30.00} for a total of {$60.00}. What can be done? Their are too many errors being made.

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 2017-05-01
Company: EQUIFAX, INC.
State: AL
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 disputed a fraudulent account with Equifax 3 times regarding the removal of a fraudulent account regarding  XXXX   XXXX . I received a letter dated   XXXX     from Equifax stating that   XXXX   XXXX   verified the account. I called   XXXX   XXXX   and was told there was no correspondence from Equifax. I called Equifax today  [   XXXX / XXXX /  XXXX    ]  back and they told me to tell  XXXX   XXXX  to contact their business line then they told me the account was still pending. If it is still pending then how did I receive a letter stating it came back verified?! Equifax is not fully investigating this account as they said they would. I 've sent in police reports and Equifax is still refusing to properly investigate AND delete this account! I 've also sent in proof regarding  XXXX   XXXX   XXXX  had me under an account with an address I 've never lived at and a name that is not mine and Equifax is still neglecting to delete this account with PROOF of inaccurate info. I need for someone to help me resolve this issue ASAP as I 've been fighting these two accounts for over a year! They are the ONLY ones that are giving me a hard time.  XXXX  and   XXXX   are properly investigating and deleting these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am XXXX years old. Eveytime I get my credit report, my mother 's name is listed as a XXXX name on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX XXXX XXXX  for years and no longer under contractual agreement. Over a year ago I decided to cancel my service ( XXXX # XXXX ) which was difficult to do because they are hard to get ahold of, but I did and paid my final bill which was due for the month after the cancellation. XXXX XXXX XXXX failed to remove one item from service, so I called them to get it fixed but they hung up on me twice! It was only {$13.00} because it was a cellular watch that they didnt remove even after I asked more then once, but now it's XXXX $ And they sent it to debt collection Sunrise collections now after several harassing Phone calls and me explaining to them the situation, it's on my credit report! for a bill I didn't owe!!

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 2022-10-16
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: Account status incorrect

Complaint:
The company XXXX XXXX is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX, I received an Annual Escrow Account Disclosure Statement from Selene Finance reflecting a surplus of {$18000.00}. I called Selene and spoke to a XXXX on XXXX XXXX, XXXXto verify this statement. I was told by an agent named XXXX that this was a coerrect statement and that I had overpaid my escrow account. I asked him about what happens to the money and was advised that it can be applied to my XXXX XXXX, XXXX XXXX payment of {$750.00} with the remaining balance of {$370.00} to be applied to the XXXX XXXX payment. I was to fax a letter stating that and did so XXXX XXXX, XXXX. In XXXX XXXX, I made a payment of {$360.00} and as of XXXX I continued the payments of {$740.00} by calling Selene directly with phone payments. Unknown to me, as od XXXX XXXX, my payments were reduced to {$720.00} but I was never informed on my numerous phone calls to them while trying to resolve other issues with my account. I was also informed that my account was 3 months behind when I made all of my payments, but was advised that it was due to a problem with the records they received from XXXX when they took over my mortgage XXXX. Finally in XXXX XXXX, the person that was assigned my account did research it out to find that I was miss-informed regarding the Escrow Statement and that I DID NOT have the credit of {$1800.00}. My current balance owed to them was in fact {$3300.00} and needed to be paid as soon as possible. I did issue a check in XXXX XXXX to bring the account current. By XXXX, Selene never adjusted my credit report to show that I DID NOT have an outstanding balance of XXXX and they show that I was late on my payments from XXXX XXXX. After filing disputes their rep adjusted the past-due balance to {$0.00}, however it still shows the past-due payments. My credit is reflecting POOR when a merchant pulled it. I do not feel that my credit reporting should show " late payments '' due to the fact htat THEY made the error of sending out the statement and that XXXX advised me that the statement was correct EVEN WHEN HE DOUBLE CHECKED IT WITH HIS SUPERVISOR! Also, keep in mind that each month last year I was actually over-paying {$21.00} a month due to the adjustment made by them lowering my payments. I feel that Selene should own up to the fact that they made a BIG mistake and should really reflect that I DID make every monthly paymeny AS AGRREED!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My X wife had an issue with her XXXX telephone bill. She tried to resolve it but XXXX was so stubborn about it that she simply gave up and did not pay the bill. Then an collection agency got involved and they offered to reduce the bill if she would pay it. I was the one who spoke to the collection agency on the phone when the deal was made. My wife paid and we taught that was the end of it. Well 2 months later the same collection agency called back and told my wife that she still oved them some money. I got on the phone my self and ask them what in the XXXX is going on when just 2 months ago we settled that problem. Stubborn as they are they kept insisting that it was a misunderstanding. I told them to go to XXXX and do not bother us any more. On XXXX XXXX XXXX I got divorced from my wife and we live separately. I got another call from XXXX about one month ago from the same collection agency number XXXX and she asked to talk to my wife. I told that my wife does not live here and I asked her not to call again. Yesterday at XXXX XXXX XXXX XXXX I got an anonymous call I assume from the same agency. On XXXX XXXX at XXXX I got a call and a recorded message to call XXXX. I need for somebody to tell these people to cut it out. TO STOP, THIS IS PURE HARASSMENT. THIS IS NOT FUNNY ANYMORE. ENOUGH IS ENOUGH. I DO NOT OWE THESE PEOPLE ANYTHING.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 U.S.C 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s- @ ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Equifax is showing 90 days late with XXXX XXXX. My car was totaled and had GAP coverage. The GAP insurance short paid XXXX, through no fault of my own. They are now chasing me for the money owed by XXXX, which I think is illegal. Now my credit is ruined because of there nefarious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Pacific Union Financial, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have supplied the Pacific Union Financial LLC for the loan Number # XXXX All the requested documents as per their Research Department Asked for over numerous calls faxes and letters. The documentation from Police department and the Bank which I was victim of Identity Fraud and Theft. Proof was sent by certified mail, fax and email. 
The Loan company first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX XXXX Police Department Lieutenant investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch.

Company response to consumer: Closed with explanation