BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: Novad Management Consulting LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get my reverse mortgage settled with Novad for over 3 months and they do not answer phone calls or emails. I did receive an email from XXXX 7 weeks ago stating that if I had some questions he would help. Since then I have sent him 25 emails and he still hasn't responded. Two other people with Novad are on the email chain and their respond is no better.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax keeps telling me this is " verified ''. It is a judgment that never went into court and never happened. The judgment, as per Equifax is " pending '' and is dated XX/XX/2009. Case # XXXX. I have been in touch with the clerk of the court. IT DOES NOT EXIST!! This is reporting illegally and causing me financial harm!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
the XXXX derogatory reports were bills from hospitals due to a serious car accident XXXX. My lawyer had all the bills and was supposed to pay them. When these XXXX derogatory reports showed up on my credit report I paid them right away to preserve my good credit, as I pay all my bills on time 100 %, as my credit report shows. 
Yet XXXX derogatory reports are still on my credit report from XXXX and Equifax. XXXX eliminated them after I talked with them. It is very hard to get in touch with these XXXX reporting companies to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Equifax Credit Report contains another individual 's data. The other individual 's data has been recorded in my credit agency reports for over one year -- I am not certain how much longer than that. I started checking my credit reports monthly through XXXX, and the data below is from my XXXX 2016 XXXX report. ) The company reporting the other party 's data did not take care of the problem when it was brought to their attention. That company is XXXX XXXX. I have never owned a credit card from this organization or its affiliates. 
I called XXXX XXXX about a year ago, and spent an inordinate amount of time on the phone with them. Together, we figured out the problem, but instead of fixing the error, they told me to take the problem to Equifax. I knew that was just going to waste more of my time, and believe me -- I have no time to waste -- so I am writing you for help. 
The problem is that my social security number was mistakenly entered into the XXXX record and associated with an individual whose name is XXXX XXXX. 

My name : XXXX XXXX XXXX ( aka : XXXX XXXX ) Soc. Sec. # : provided later in this online complaint form Company Providing Incoreect Information to the CRA ( s ) : XXXX XXXX XXXX Specific Problem Identified by XXXX Employees in a telephone conversation -- Another individual 's credit card account has my Social Security Number associated with it. 
Incorrect Individual 's name that appears in my Equifax Credit Report : XXXX XXXX XXXX of her last payment : XXXX, 2016 Remarks : Account closed by credit Grantor. 

All ll I am asking is for data and name to be removed from my Equifax report, as well as any others in which it may be appearing ( Sorry but I do n't have time to check on that now. ) If you need to see a scan of the Equifax-generated information that comes from XXXX, I can do a screen shot and send you that. Please email me if you need that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Reach Financial LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
What Happened- I took advantage of an offer from XXXX for debt consolidation. I applied and was matched with Liberty Lending. On XX/XX/2022, I was sent an email that stated that my load had been approved and this was the final review. I have this email, both saved and printed out. On Tuesday XX/XX/2022, I received a voice mail from Liberty Lending asking me to call back in because they had an update on my loan. I called back in and was told that my loan was being denied, but Liberty Lending has this awesome partner agency, that could help me and if I would like Liberty Lending could put me in touch with them. I thanked the representative for their time. 

I called back and asked for an adverse action letter, and to make sure that I would not be charged the {$440.00} payment due to come out on XX/XX/2022 printed on the XXXX statement. I was unable to get a straight answer and I was refused an adverse action letter. It appears that Liberty Lendings original offer was not genuine and that my application was always meant for this partner agency which was not mentioned in the XXXX statement. I feel that I am the victim of bait and switch. 

I also reached out to Liberty Lending via email to state my displeasure. 

I just checked the website today XXXX and their dash board is set up like I am receiving this loan. This is after I was told that I was denied. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have a number of inquires on my credit report which I did not authorize, I keep calling and disputing Equifax and they are constantly giving me the run around. As of right now I have XXXX inquires on my credit report which I did not authorize and they keep coming back verified when I dispute which is not true. This has caused much harm in my credit score and I just want these inquires removed from my credit report. They are from, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX, XXXX Bank, XXXX XXXX Loans, XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX XXXX, there is also XXXX that does n't even have a name by it but a date of XXXX/XXXX/2016 and I have not applied for any type of credit on that day. Since I can not get any corporation from Equifax with removing these unauthorized inquires will you please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I need your help in getting these incorrect address information and unauthorized inquiries removed from my Equifax Credit File. Please remover addresses : XXXX XXXX I, and XXXX XXXX, XXXX, Al. This information is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016, I realized that my ATM card was used without my authorization. 
I contacted SunTrust Bank to report the problem. 
I received immediate credit, there after a week later the credit was reversed out of my account, where the SunTrust Representative stated that the charges were in fact valid. 
I sent rebuttal statement to continue to have the matter resolved with no success. 
I filed a police report to hold the responsible party who used my card without authorization accountable. 

The lead investigator for SunTrust Bank is stating that I was the primary user and that the claim has been denied and closed.

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 2017-04-27
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:
Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with  XXXX , Experian, and   XXXX   over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family . Below are some do cuments I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there. For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX   XXXX   Companies like are  XXXX  ne in the same, but neither one can h elp I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping  me BI tra vel to New York,  XXXX   XXXX , and  XXXX  at leas t five tim es per year, and rarely check my credit report. Essentially because of my business, I live o n the road. Recently  after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix th is. Hope thi s yields better success than just calling the collection agencies and 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 non-monetary relief
Consumer complaint received 2016-05-17
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Seterus to ensure its compliance with Regulation X and other pertinent servicing guides. This is the third CFPB complaint we have had to file in connection with this client. After a year of back and forth Notices of Error, Seterus finally initiated a proper evaluation of our client 's loss mitigation application for the HAMP modification program. Subsequently, our client was offered a Trial Period Plan that was to begin in XXXX 2016 and the last Trial payment would be made in XXXX 2016. 
Now that our client has completed the Trial Period Plan, Seterus 's counsel in the pending foreclosure has sent us a Home Affordable Modification Agreement to be executed, which states the first modified payment is due XXXX XXXX, 2016. According to investor ( XXXX ) guidelines, if the servicer elects to make the 1st modified payment due the 1st day of the second month following the end of the Trial Period Plan, the Borrower is not responsible for making a payment during the interim month, which in this case would be XXXX. When we contacted Seterus regarding the XXXX and XXXX payment, the representative did not disclose that information. Moreover, the representative instructed us to tell the Borrower to make the XXXX and XXXX payment as if XXXX was required. We believe that is an error and a false and deceptive statement. 
Additionally, the Home Affordable Modification Agreement contained a provision that was not authorized by XXXX. The provision at issue is XXXX. and states the following : " Any and all attorneys fees and legal costs incurred by Borrower or its representatives, with respect to this loan, will be the sole responsibility of the Borrower. '' Pursuant to the XXXX XXXX XXXX published on XXXX XXXX, 2016, the agreement was ONLY to be revised according to the terms provided by XXXX. The provision added by Seterus and/or its counsel was not authorized by XXXX and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: AmeriCollect
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor submitted bills to a wrong address in my name. Upon finally receiving the bills from the addressee in error ( a resident on my street ), I contacted Americollect through letter explaining that The billing address was incorrect and I 'd submitted payment to the creditor, XXXX XXXX XXXX. This collection still shows current on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My Discover Card was illegally billed unauthorized charges totalling over {$3000.00} by XXXX XXXX XXXX. I informed Discover timely ( within 2 weeks before it was too late to make a complaint ), and gave Discover all information from the insurance dept who caught this dishonest dentist overbilling and illegally charging my card. I also sent the court documents showing that I won my case in court against this dishonest orthodontist. Discover, refuses to credit back these unauthorized fraudulent charges and Discover has refused to give me the regulatory agency for the Discover bank and the legal New York State address for service of legal papers to their CEO XXXX XXXX, to serve papers to sue for the charges to my Discover card they are refusing to credit back. When I call the woman in the office told me " XXXX XXXX is too big to sue '' and hangs up on me, refusing all legal information I am requesting. I ask that your FDIC agency assist me in either getting my credits from the illegal unauthorized fraud charges to my Discover Card and the legal address for service for XXXX XXXX, CEO - Discover. Thank you. 

XXXX XXXX ( # XXXX ) XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX Cell ( XXXXXXXXXXXX ) XXXX XXXX, ny XXXXDiscover Card # ending in XXXXcard imageGood Afternoon, XXXXCard DetailsProfileCurrent Balance $ XXXXXXXXCredit Line Available $ XXXX of $ XXXX ActivityLast Statement Balance $ XXXXXXXXLast Statement DateXXXX XXXX, XXXXView StatementMinimum Payment Due $ XXXXXXXXPayment Due DateXXXX XXXX, XXXXDiscover More CardAccount number ending in XXXXOpen Date : XXXX XXXX, XXXX Close Date : XXXX XXXX, XXXXCardmember Since XXXXCustomer Service at XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than 20 occasions and they keep me on hold for long times and eventually the call is disconnected. When trying to file an online dispute they have a 200 word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. Due to this I was recently denied a student loan ; in the student loan form I was told specifically that the loan was denied due to the XXXX collection account reported on my equifax report. What they are doing is costing me time and money and may prohibit me from going to school to finish the last year of my XXXX XXXX XXXX. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Seterus, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus failed to pay real estate taxes from the escrow account. I have ceased paying into the escrow account, have made XXXX real estate tax payments on time, paid home owners insurance. I have paid all mortgage and interest on time. At this time, Seterus owes me {$5700.00} which far exceeds the amount they are reporting delinquent. Every transaction in the escrow account is wrong. I have presented them with documentation and have a complete file I can provide you with. 

They continue to threaten for closure and have reported me delinquent to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX I became ill, and by XXXX XXXX I was no longer able to make mortgage payments. Seterus became the new servicer effective XXXX XXXX. I requested a forbearance in XXXX XXXX and XXXX XXXX, I was never reviewed for the forbearance. Last week Seterus filed for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax reported false information on my credit. My XXXX mortgage account was never late. They received information on the behalf of the military. They neglected to remove this information from my report. I need this removed from my report. They need to remove XXXX lateness from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-16
Company: EQUIFAX, INC.
State: TX
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 recently reviewed my credit report with Equifax and XXXX XXXX and have found inaccuracies showing that are affecting my credit rating showing on my credit file. I have disputed directly with Equifax and XXXX XXXX over 30 days ago and they have failed to remove these in accuracies. XXXX XXXX Acct was paid and agreed to remove from bureaus and XXXX has complied, but Equifax n XXXX have not Equifax XXXX XXXX Acct # XXXX Showing as closed but has not been removed XXXX XXXX XXXX Acct # XXXX Showing as paid but has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have inquires on my credit report that do not belong to me. I have not applied for loans or cards from these companies but I still have hard inquired on my credit report Here are a list of inquires that are NOT mine see below. 
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 explanation
Consumer complaint received 2015-07-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Inaccurate and outdated medical collection accounts and city tax lien continue to the reported on my credit report despite theses accounts being paid in full and service providers requested to have these accounts removed.

Company response to consumer: Closed with explanation