BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We will be experiencing financial loss due to the negligent actions of UWM ( our current mortgage lender ) due to their failure in servicing our current mortgage loan properly. For the last month, we have been requesting UWM provide us documented proof of our payment history as well as an active mortgage to show as proof to a new mortgage lender we are in good standing. They have failed to provide these documents despite nearly half a dozen requests to do so over the course of the previous 45 days.

We have deposited earnest money with a seller for a new property purchase, and paid for property inspections and appraisals, but due to UWM 's failure to provide us with any documented proof of payment history or account status, this has affected our ability to seek new credit. 

This issue arose as a result of my wife and I electing to use SCRA protections for military members. This offers a 6 month mortgage forbearance without accruing interest. in the process of leaving SCRA protections our mortgage lender apparantly messed up our account very bad, increasing out monthly obligations by {$500.00} and blocking us from making payments. Currently, these two errors have been resolved but they are failing to provide us with proof of our payment history and account status despite nearly a dozen requests over the previous month.

We have contacted a military attorney who submitted a formal demand letter to UWM around XX/XX/XXXX notifying them that discriminating against service members who have filed for SCRA protections is illegal and they continued to fail to provide the documents we have been requesting. 

One of our payment history documents provided was an empty document. There was a page that explained how the payment document was structured, and then the next page said " contact customer service if you have questions '' ... no payment history anywhere in the document. 

Our documents we have been uploading to their portal have regularly been getting deleted. I can not access a single document I've uploaded to their document portal over the entire course of our loan. 

Additionally, their " chat with us '' service reps have a very frequent habit of ending chat as soon as they actually look at our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: NJ
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:
Once again I notice Erroneous and Wrong information on my credit reports regarding the account of XXXX XXXX Bank .... See attachment!!! 

On XXXX they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On Equifax they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On Experian they report : " Times 30/60/90 days late '' XXXX ( 8 ) late payments, but see experian pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact XXXX XXXX is reporting inaccurate and inconsistent information on 3 different credit reports.

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 2021-09-25
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Okay! What XXXX not understanding is why Ive had to contact and write XXXX several times regarding this account. 

XXXX XXXX XXXX {$170.00} CLOSED/CHARGED OFF Opened XX/XX/XXXX Account # XXXX For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. XXXX has since sent a letter that theyve been sending for the past year. 
2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation.

3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against XXXX This account has been removed from XXXX as well. 
4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to XXXX several times to advise them on unauthorized account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Paramount Recovery Systems, L.P.
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: Old information reappears or never goes away

Complaint:
Collections have just recently been added on XXXX  from 5 years ago that have not been on my report. I had gotten myself collection free and now these 4 from paramount recovery that have been opened for 5 years are added once the complaint about my vehicle information was reported through here. I now have lost 97 points so quickly yet they can not report accurate information and properly fix and adjust my report. MEDICAL collections should not affect credit scores or history if you do not have to apply for a medical loan. Should not be held against you or your credit. I am also a VETERAN the VA should be held accountable if they wan na hold past issues. Medical should not be used to hold someone back against fixing their own credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: JPMORGAN CHASE & CO.
State: NJ
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 received a letter dated  XXXX   XXXX ,  2017 st ating that my chase amazon credit card account was being closed " on  XXXX   XXXX ,    2017 beca use continuing the relationship creates possible reputational risk to our company. '' The letter did n't elaborate in any detail on the reason. I called the number on the back of the credit card (  XXXX  ) and they would not elaborate, only repeating the phrase " at this time we chose to end our relationship with you. '' I asked specifically whether this wa s for racial or re latiatory reasons ( I 'm currently suing a former lawyer and was threatened by him when I refused to take down an online review of him ) and they would not confirm that these were not the reasons. I asked them several times to rule out those specific reasons while I was trying to figure out why I was being dropped, but they refused to elaborate or inquire with their supervisors for more details. I am in good credit standing as far as I know, and I have paid all my bills on time in full. Please inquire as to why they are discontinuing my account with only a months notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: FMA Alliance, Ltd.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never had a problem with this company until the last month they were collecting on my debt. They were collecting on a   XXXX   XXXX   credit card. We had a payment plan set up with them since    2014. D uring my mortgage application process, the company asked for documentation of the payment. When I ca lled FMA Alliance to g et written documentation they informed me they were no longer collecting on the account. This was never verified in writing. I explained to them the situation and asked for payment history to be sent. I c alled three different days in  early  XXXX . Each time the person told me that they will mail me the payment history and to wai t 10 business days. After 10 business days, I still did not receive anything. I called again and was transferred to a manager,   XXXX   XXXX . She told me that because they were not still collecting on the account they did not know if they could even give me verification of the payment history. She told me she would call me back. I never received any verification or a call back. I wrote a letter to ask for written documentation of my payment history and to verify they are no longer collecting on the debt. I still have received nothing. Then today I received a call from the company trying to collect a debt for a completely different person. This is completely unorganized. There is no reason I should be able to get a letter stating I was making automatic payments for years in order to obtain a mortgage. I have never heard of a company with holding this information from a client before. I made automatic payment for years, I would just like verification of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: WELLS FARGO & COMPANY
State: NC
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:
I have been making payments to wellsfargo dealer services on behalf of my fiance. They contacted us on   XXXX   XXXX   ,2017 to i nform her that she was {$1900.00} behind and that she had four days to pay it off or it would be a charge off on her credit. However they sent us a statement that says the next payment isnt due until  XXXX   XXXX ,    2017. Sin ce that time I have made three more payments. So its not behind. We also pulled her credit to check and it shows her payments are current.

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 2017-06-06
Company: WELLS FARGO & COMPANY
State: VA
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:
In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted Wells Fargo AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.

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 2019-12-07
Company: Experian Information Solutions 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 disputing these accounts because it is fraudulent. I have no knowing knowledge of this account. Nor have i received any monetary or goods services associated with this account. 


There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when  such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

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 2017-06-06
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: CA
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:
When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as XXXX, Equifax, and XXXX in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Eastern Account System Inc. is reporting a collection account in my credit report that was paid on-time to XXXX XXXX XXXX the original owner. The account was paid with a XXXX  XXXX XXXX check # XXXX. This check was sent to XXXX  XXXX XXXX on XX/XX/2019. They cashed the check with a XXXX XXXX  account XXXX. I have made several dispute with XXXX  and the account was get updated as paid, however this account doesn't belong to me since it was paid on-time to the original owner. I have sent letters to Eastern Account System Inc. demanding that they remove the inaccurate from XXXX credit report but nothing has been done. They have remove the inaccurate reporting on XXXX  and XXXX, but not on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have twelve different loans with  Sallie Mae . I had called two days ago,   XXXX    , to try to consolidate my loans and they told me they were unable to consolidate any of them. They then tried to convince me to be a part of their  Graduate Repayment Program  which allows me to make interest-only payments for the first year. While this seemed like a reasonable alternative, I was then told that the interest-only payments would increase the second year and add up to {$500.00} on each of my existing loans. I have over {$100000.00} in loans which they are expecting me to pay back within 10 years. Some of my loans are up to 10 % interest. My monthly payment would be about {$2000.00}. I do n't know of a single person that can afford to pay that much money per month. This amount is more than my house payment. At this point I feel my only other option is to default on my loans because  Sallie Mae  is unwilling to work with me to come up with a reasonable repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
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 disputing these accounts because it is fraudulent. I have no knowing knowledge of this account. Nor have i received any monetary or goods services associated with this account. 


There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

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 2022-04-06
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:
THE CREDIT REPORTING AGENCIES HAVE BROKEN THE LAW AND I AM TIRED OF BEING VIOLATED! 

I NEVER gave Experian, XXXX, or XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agencies has caused severe stress and anxiety due to the abusive and unfair practices by the creditors listed on my credit report, not to mention I have been denied employment due to the inaccurate information on my reports.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE CREDIT REPORTING AGENCIES HAVE BROKEN THE LAW AND I AM TIRED OF BEING VIOLATED! 

I NEVER gave XXXX, XXXX, or Transunion any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agencies has caused severe stress and anxiety due to the abusive and unfair practices by the creditors listed on my credit report, not to mention I have been denied employment due to the inaccurate information on my reports.

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 2017-04-19
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Victim of frau d - Criminal ha s been charged and is serving a prison sentence for this crime. Even after documentation to support this was submitted credit reporting agency refuses to delete the incorrect information according to the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Someone on  XXXX  purchased my   XXXX   XXXX   XXXX   for {$1000.00} they sent me the payment on my PayPal prepaid card, I immediately emailed them the  XXXX  to Indonesia, it appears someone hacked into another persons paypal account to purchase my phone, since someone hacked into their system they do n't want to take the responsibility, so they are making me pay the {$1000.00} because I do n't have the tracking receipt, they are looking for an excuse, they also will not allow me to disconnect the link they have to my savings account and every couple days they try to take money out of my account for a refund to   XXXX   XXXX   for {$50.00} that they refuse to allow me to cancel transfer, they have caused me $   XXXX   days in overdraft fees to my savings account

Company response to consumer: Closed with explanation