BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
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: Account information incorrect

Complaint:
Experian and XXXX they continue to report a balance on closed account They failed to provide verification of accounts which could not be verified also by the reporting company XXXX XXXX reopened and account status that was once reported closed, they continue to do so and reset the statue of limitations which is against the law. They continue to report account verified that could not be verified by the reporting company 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 2023-11-22
Company: EQUIFAX, INC.
State: NV
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:
information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Collections XXXX XXXX XXXX XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment history XXXXXXXX XXXX XXXX XXXX XXXX Contact information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: CUSTOMERS BANCORP, INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received notice from XXXX XXXX that a hard inquiry was done on my credit with XXXX. I checked right away because I had nothing to warrant an inquiry. I saw a loan on my credit, it is with XXXXXXXX XXXX XXXX  for {$16000.00}. I immediately called them and told them it was not my loan, I never applied for a loan. That was a XXXX ago, I've been calling and emailing. I've been transferred and put on hold constantly. I froze my credit, filed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completed the theft packet with all information, that has been faxed XXXX with confirmation. They say they've received nothing. The loan application, I found out just XXXX, after a XXXX of calling, does not have my phone number on it. The information on the application is not mine. The bank the loan/funds were routed to was investigated and determined to be fraudulent. That account did not have my SS # on it. So, the application itself had false information and the loan was routed to a bank that I don't bank at, an account that has since closed by the bank after being notified of the fraudulent loan. Each time I try to talk to anyone regarding the investigation, I get placed on hold, transferred and nothing happens. I gave them XXXX XXXX to provide me the applicant information, they have not done that. They've done nothing to resolve this.

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 2021-09-28
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
the dates on my credit report that where marked late are, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

the payment amount was {$880.00} the reason for the payment being late was from covid, and medical issues. after making my account current and paying all late fees, I sent a certified letter to ford motor credit to see if they can remove these in good faith because it really impacted my credit and they said sorry you had covid but we will not help you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: Credit Fresh Holdings Inc
State: DE
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 opened an account with Creditfresh in XXXX, XXXX. Had issues with repayment starting in XXXX. Spoke to several reps that gave incorrect information regarding credit reporting, status, etc and filed a complaint. 

I was told that I had until XXXX   to bring the account current to avoid default. On XXXX the account was placed in default, which resulted in credit reporting. 

Numerous times I have become aware of phone calls being recorded without being made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Was not notified of investigation status or results

Complaint:
On, XX/XX/, I sent a letter to TransUnion asking them to investigate my credit report for accuracy. The investigation letter is attached below. They did not investigate nor did they respond to me in writing within the 30 Days required by the The FCRA, The Fair Credit Reporting Act, " says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. '' On XX/XX/, TransUnion sent me a letter that made it very apparent that they were trying to stall the process of having to properly investigate my credit file. In this letter they claimed that it appeared that my initial request letter was coming from a Third Party and not from me. That this Third Party needed to identify themself. ( See Attached ). 

On XX/XX/, I sent a certified letter to TransUnion stating that they had violated FCRA by not investigating and responding within 30 days of my request to investigate and they must by law now remove All negative items reporting on 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 non-monetary relief
Consumer complaint received 2021-09-28
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 is missing that should be on the report

Complaint:
I have been in constant communication with Experian regarding the errors and inaccuracies on my consumer credit report. Experian needs to provide documentary evidence for all investigations completed on my investigative consumer report, consumer credit report and consumer credit file. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with a 'XXXX ' added to the spelling of my name. 

I received an email update from Experian dated XX/XX/21 indicating the dispute results were complete. The dispute results now lists my name and address incorrectly. These errors compromise my credit as mail will be sent to an incorrect address and I am exposed and could be subjected to identity theft. 

There are no new accounts that have been added to my consumer credit report within the last 90 days so there should not be reason for my current address to be removed completely and replaced with an incorrect address. I have never extended my credit to any company with the name variations listed on my consumer 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 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TransUnion is reporting mutiple XXXX accounts on my credit report it infringement upon a consumers rights to privacy pursuant 15 usc 1692

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 2022-05-03
Company: Link Revenue Resources, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never contacted for an debt to the total amount of {$550.00} that I allegedly incurred for service provided on XX/XX/2017. 

I have contacted the medical provider who claims to have submitted the debt to a collection agency but I have not received proof of claim, notification of debt collection, or notification of right to dispute.

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 2023-06-26
Company: EQUIFAX, 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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home at XXXX XXXX XXXX. 
XXXX XXXX Ca XXXX Was foreclosed in XX/XX/XXXX after being denied modification-Although, XXXX XX/XX/XXXXapproved my modification.

I believe I was wrongfully denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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 just disputed this account listed below that showed up on my credit report it caused me much anger and disbelief to see this inaccurate and unverifiable information your agency didn't ensure to be remove from my report but instead just update it. By law I own the right to obtain the steps that were taken to verify this account on my report by your agency. 

XXXX XXXX Date opened : XX/XX/XXXX Status : Closed. {$60.00} past due as of XXXX XXXX. 
Status updated : XXXX XXXX Balance : {$470.00}

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 explanation
Consumer complaint received 2021-09-28
Company: General Motors Financial Company, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We recently purchased a vehicle using GM Financial, and after a few weeks owning it, the van was totaled, and when we went to file the claim, we found that the insurance company never transferred the collision to the new van as they were supposed to. Once GM Financial found out about, they shutdown communicating with us. They told us many times that we are " XXXX '' and " XXXX '' and other awful names. Whenever we'd call, they played their phone games where they'd put us on hold for an hour+ each time, and then the call would get " accidently dropped '' or someone would come on, and then put us on hold again for an hour+. 

When we finally got someone to talk to us, they told us we needed to give them our totaled van back and they would auction it off and put it towards what we owed. They never told us that that would be considered a repossession on our credit. When we asked why no one told us, they denied it. We asked for the van back, but they refused to let us have it. 

And now, they won't accept payments from us, but they are continuing to charge us late fees and report it to the credit bureau. Still no one will answer why. We go back to the transferring and dropping calls games. 

So they are intentionally destroying our credit and racking up late fees when we want to pay. 

Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted XXXX XXXX XXXX but they were unable to identify my account and to give me an answer ( the correct amount of my debt and when the last payment was made ) .My ex husband used to make payments but then stopped. I asked XXXX XXXX to apply for a financial aide but I never got a reply. 
I sent 2 emails to Paragon Revenue Group, however they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed an exclusion policy with XXXX to seal my house from potential rodent infestation in XXXX, XXXX. The work was started, but never completed. The work that was done was minimal. I made numerous attempts to contact the branch to resolve the issue. The charge was for {$1200.00}. After receiving no response from the company, I disputed the charge with my credit card company. XXXX responded by saying I had not given them the opportunity to resolve the issue. I responded to my credit card company with a letter that layed out all of my grounds for disputing the charge and the lack of response from the branch. A copy of that letter is attached. A couple of weeks later, my credit card company informed me that the XXXX branch accepted my response and would no longer pursue the charge. But I began receiving bills from XXXX for that work that was never done. I tried to contact the branch, but never received a response. After several calls to the national XXXX customer service department, I finally received a call from XXXX XXXX, who identified himself as the branch sales manager. After explaining everything to him, he promised to cancel the bill. After receiving another bill for the work that was not done, I contacted XXXX XXXX via email on XX/XX/XXXX. He said he was working on the matter and would " let me know ''. Much to my surprise, I received a letter from Nationwide Credit , IncXXXX attempting to collect the debt. I have responded to them disputing the debt. But this is now on my credit report. I have and have always had Excellent credit history. I am retired and feel I am being treated very poorly. Can you do anything about this matter? I don't know where else to turn. The address of the XXXX branch is : XXXX XXXX XXXX, XXXX, CA XXXX. The address of the debt collection agency is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TRANSUNION AND XXXX ARE REPORTING A DEROGATORY ACCOUT ON MY CREDIT FILE FOR {$2100.00} DOLLARS, WITH NO INFORMATION ON HOW TO REACH THE COMPANY THAT PUT IT THERE. I HAVE A RIGHT TO KNOW, OR IT SHOULD BE REMOVED.

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 2019-10-14
Company: Mr. Cooper Group Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NATIONSTAR DBA MR CO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number XXXX then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX  XXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX

Company response to consumer: Closed with non-monetary relief