BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-01-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Name is XXXX I am a XXXX XXXX for 15 years, employment income around XXXX /year My wife XXXX is a XXXX  her income is around XXXX /year I also have a small online business with gross yearly sale around XXXX plus I have 3 rental properties all paid off I do not owe any money on any of them and yearly net rental income is around XXXX the only obligations I have is my primary resident mortgage which is {$1700.00} / month my credit score almost 800 with out any negative issues same is my wife`s credit score. 
I applied for a home equity line of credit from TD Bank on property I own, The property is appraised for XXXX k and i requested XXXX to buy another investment property my application was initially approved and appraisal was sent to property then all the sudden the person was in charge of the case stop answering the phone and I had to contact her manager which she did not like and when she talk to me she was so rude and upset and start ask for non sense documents which I have had already submitted. One of the calls she said do you think I am stupid and she had remarks on my name and my age ( check recorded calls ) all the sudden she calls me so happy that my application is denied because I can not meet my obligations.I felt that was wrong and unfair to be denied with all income listed above i feel i been denied because of my age or origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my continued concern and disappointment concerning the persistent inaccuracies related to a late open account on my credit report, despite multiple attempts to have it corrected. The presence of this inaccurate information is significantly affecting my creditworthiness and financial standing, and I urge you to resolve this issue promptly. 

I have made multiple attempts to have this issue addressed, yet the inaccurate information remains on my credit report. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough review of this matter and take immediate action to correct my credit report by removing the inaccurate late open account. The Fair Credit Reporting Act ( FCRA ) mandates that credit reports must be accurate and up-to-date, and the persistence of this inaccuracy is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with the creditor, or any relevant documentation. 
I expect a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracy, and a revised copy of my credit report reflecting these necessary corrections. 

Furthermore, please ensure that you notify the creditor associated with this inaccurate account about the dispute and provide them with the necessary documentation, as required by federal law. 

The continued presence of this inaccuracy is causing significant harm to my financial well-being and creditworthiness. I trust that you will prioritize this matter and work diligently to resolve it promptly to restore the accuracy of my credit history. I am asking for your assistance to correct this late open account which is being reported in Equifax and XXXX Credit Bureaus : XXXX XXXX Balance : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: Prosper Marketplace, Inc.
State: RI
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:
It all started in XXXX when my personal information was used fraudulently to apply for unemployment benefits at the company I work for an have ownership in. This was reported to the RI XXXX XXXX, and FTC and to RI XXXX XXXX XXXXXXXX. None of which ever followed up with me. Not a single call, nor email response. Eventually through my persistence, RI XXXX XXXX XXXX acknowledged the issue. 

Since then, my XXXX XXXX account has shown numerous fraudulent inquiries in XXXX, starting in XX/XX/XXXX and now several in XX/XX/XXXX showing on XXXX and XXXX. I've been able to receive cooperation with all credit bureaus for removal of credit inquiries and also filing fraud complaints with exception of XXXX that does not want to help or extend any customer service to correct the problem. 

In essence, I have lost about 12 days or more of work over this issue calling the various companies, banks, financial companies, websites, etc. all because of the very companies that are always asking for my info, and breach my personal details. This is victimization in its purest form from the same companies that are rating consumers and judging consumers in the first place. The system is broken. 

At this time, I have maintained Excellent credit, however I still have several XXXX credit inquires which are damaging my credit score and on their fraudulently. It's nearly impossible to reach Propser Bank and also impossible to reach XXXX XXXXXXXX XXXX never mind get any cooperation from either bank, nor XXXX. 

I have also had to now Freeze all credit reporting agencies which will be a problem for me in the future when I need to apply for credit.

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 2019-03-08
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The World Omni Financial-Retail is reporting that my account was delinquent. The account was paid on time every payment. I even made one extra payment after they had the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: KY
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 U.S.C. 1681 XXXX XXXXl account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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-2 ( 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 2022-07-07
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an item on my credit report from Transunion, XXXX, & XXXX that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be 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 2022-12-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I opened file # XXXX with XXXX with XXXX XXXX ( representative ) on XXXX @ XXXX. XXXX told me there's nothing he can do but alert the creditors. I told him I already done that, which is why I was calling to see if there's anyway I can dispute the inquires and inaccurate information over the phone. Since, I also can't do it online. He said again, they do not investigate anything, they only request the consumers to wait for a response from the credits. Which I have been doing for 6 months and still haven't heard back. The inquiries are below which are fraudulent which XXXX is refusing to do anything about : XXXX XXXXXXXX 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 

I Also requested that he review the document, I mailed to him about XXXX which XXXX is reporting that I was late on XXXX ; XXXX ; XXXX. When I requested payment deferrals and extensions with XXXX, who stated in my contract they do not report those as late to the credit bureaus. XXXX also said they never received my disputes that I did with Experian, XXXX, and XXXX, which I've done multiple times. So XXXX, Experian, and XXXX in those disputes validated that XXXX provided information again and they validated that information, However XXXX is claiming in the letter they never received any dispute requests for validation from the credit bureaus. So, these credit bureaus are in violation of FCRA. Considering, they only validated based on old information and did not conduct an investigation as required by FCRA. The credit bureaus did not even respond to my requests that I wanted all info mailed to me. Because they never conducted a thermal investigation as required by law. 

I included all personal verification required to complete an investigation in this complaint. So, the credit bureaus can not say they don't have information to verify me.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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-2 ( 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 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 2022-02-04
Company: Experian Information Solutions 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:
Reporting of credit must be a neutral process, the fact that erroneous information that reflects FICO which financial institutions rely on. There are no delinquent accounts or late payments associated with me. My credit score dropped XXXX points overnight ( XXXX XXXX ) and XXXX XXXX lowered my score by XXXX points based on false data submitted by credit agencies. Based on my zip code I believe this is a form of systemic racism and inherent XXXX bias related to incorrect data. The good to excellent XXXXredit score is a gatekeeper to wealth, careers and housing. As a XXXX I have work very hard with integrity to ensure I maintain a minimum score of XXXX. To have it destroyed over false information is suppressive.

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 2023-01-01
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-01-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm requesting a mortgage modification to my existing XXXX mortgages. I just moved out to California for a job. A few months later the entire department was outsourced. As a result, my income is not what was anticipated. I have good credit. I have no wish to miss payments and a modification is appropriate. 

Moreover, after being XXXX military ( XXXX ) XX/XX/2011, I attempted several times to modify my loans for XXXX XXXX XXXX XXXX XXXX ( XXXX to OCWEN to XXXX ) and XXXX XXXX XXXX # XXXX XXXX, ( XXXX to XXXX ) but was repeatedly denied this opportunity. 

Finally, this loan companies in question ( all ) continuously misplaced information on the condo HOA and the HOA 's insurance, and demanded updates of the same information every year despite the fact that the information never changed. Worse, the only notice they provided for said demand invariably took the form of a fine or penalty as a result of not providing the same information - provided every year for the last several years already - yet again. 

Despite the fact that they did n't request it, the HOA has not changed, and it appears to all that they were merely acting ignorant ( as if they have n't repeatedly received the same information the pretend not to have every year ) as a pretext for imposing fines and redundant insurance policies. I think this is wrong and I again renew my requests. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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, this creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says, " 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 an account without my written instructions ''.

Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2019-02-05
Company: CCS Financial Services, 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:
XXXX XXXX XXXX has placed an inaccurate entry on my credit report. I recently retrieved a copy of my credit report and noticed that they had placed an account on there. Previously, I have disputed this account entry with them in XX/XX/2019 via certified letter with return receipt. The tracking number for this letter is XXXX. Tracking reflects that they received this letter on XX/XX/2019. To date, they have not responded with any documentation ( as requested in dispute letter ), that provides their authority to collect on this alleged debt in the state of Texas, an agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, complete accounting of the alleged debt, nor the name and address of the bonding agent for them in case legal action becomes necessary. 

This company is blatantly violating my consumer rights and this entry must be Deleted from my credit reports immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: TX
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 -ACCOUNT # : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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-2 ( 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 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