BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: Carolina Finance, LLC
State: AL
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 account has reappeared on my personal credit report and is reporting as late from XX/XX/XXXX to XX/XX/XXXX. This information is currently incorrect. This account for Carolina Finance was part of a Bankruptcy in XXXX, in which the Bankruptcy terms were agreed. Also, the Creditor, Carolina Finance took possession of the vehicle, before being included in the Bankruptcy and the vehicle was sold at auction resulting in full payment of the loan balance. 
I received a Deficiency Letter from Carolina Finance in XXXX stating the sell of the vehicle. This was all added in the bankruptcy. According to the FDCPA, Carolina Finance is in violation of the law, by reporting fraudulent and inaccurate information to the Bureaus. 
In XX/XX/XXXX, I contacted Carolina Finance at XXXX and spoke with XXXX, who advised me there is nothing they could do and I would have to contact the Bureau reporting the information. I asked if he could mail me out a copy of the original loan and the bankruptcy notice and he stated he is not the one to do so. On XX/XX/XXXX, I contacted Carolina Finance once again and asked how could we resolve this issue. I spoke with a XXXX or XXXX who would not give last name and he told me to fight with the Bureau. 
This account begins reporting as late in XX/XX/XXXX. I did not have possession of this vehicle or owed any amounts as of that day.

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 2019-11-21
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 was at XXXX XXXX apartments today XX/XX/19 because I need to rent an apartment by next month but when they ran my credit to see if I qualified to rent there, I was told that I didn't meet their credit requirements ; I was confused because I have always made sure to pay everything on time. I looked at the credit report they pulled and I saw that there were several accounts in negative standing that aren't even mine. I did not open any of those accounts and I have never allowed anyone to open them in my name. I have no idea who these accounts belong to or why they are on my credit. I did not gain anything at all from these accounts nor did I ever make any purchases or payments towards any of these accounts. I am not affiliated with any of those companies in any way and I have already filed a police 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 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a victim of identity theft. XXXX has an outstanding balance amounting to XXXX that does not belong to me. Contacted XXXX many times and filed a police report XX/XX/XXXX. I have also disputed with the three credit bureaus via certified mail on XX/XX/XXXX advising of my identity being stolen. XX/XX/XXXX I sent a follow up dispute and even with all proof I sent regarding my identity being stolen, still no resolution. I have called the credit bureaus and XXXX practically every month and still no one has been able to help

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 2019-09-27
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have had an account with OCWEN since XXXX of XXXX, and paid it off in XXXX of XXXX. I am currently filling out past tax returns and tried to log onto website as I normally do, I could not log on. 
I called and was told that since I had paid it off, the account was closed and there is no information. I gave customer service my loan number, name, social security number and they still could not find any information. I tried to submit a request on their website, but could not as it said my account does not exist. 
I tried to reason with the customer service rep, I told them I will need the information for my XXXX taxes, etc ... 
I have had mortgages in the past and am still able to log onto those companies and look up tax information. 
Not being able to access my tax information is not acceptable to me and I am pretty sure that the IRS will not take my explanation that my information somehow disappeared. 
OCWEN Loan Account # XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa XXXX Sold XX/XX/XXXX Any help or information would be greatly appreciated. 
V/r XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions 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 information incorrect

Complaint:
To Whom It May Concern, I am writing to dispute a charged off credit card account on my credit report that I believe is inaccurate. The charged off account was opened with XXXX XXXX XXXX and was charged off in XX/XX/2022. 

I believe that this charged off account is inaccurate because the creditor 's failure to provide a monthly statement, incorrect reporting of the balance due, to top it off they are also reporting this account 2 separate times 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 2022-06-09
Company: WELLS FARGO & COMPANY
State: CA
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:
RE : Refund of XXXX XXXX XXXX XXXX XXXX XXXX XXXXsXXXX x XXXX qty XXXX  SKU XXXX. 
Dear Sir/Madam : 1 ) I am just requesting a full refund of {$12.00} for the wrong item shipped by XXXX  and Wells Fargo Rewards Dept 2 ) On XX/XX/2022 I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. I order through Wells Fargo Rewards site. I paid a total of {$12.00} between my rewards and personal funds for Order ID XXXX. On the Wells Fargo Rewards site this THE ONLY item you are able to order for this item. 
3 ) On XX/XX/2022 I received the package USPS Tracking # XXXX, Serial Shipping Label XXXX that contained one package of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. This was shipped by XXXX Fulfillment Center at XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX per the USPS box return address 4 ) This was the incorrect item since I ordered XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. They send me a 100 % COMPLETELY DIFFERENT ITEMS in Size and quantity. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. 
5 ) On XX/XX/2022 I called XXXX at the XXXX Customer Service # XXXX and XXXX said I have to call Wells Fargo Bank. 
6 ) On XX/XX/2022 I called XXXX at the Wells Fargo Rewards Dept at XXXX and she said they will file a open case and contact XXXX  customer service. 
7 ) On XX/XX/2022 I received a call from XXXX with Wells Fargo Rewards Dept. XXXX said he contacted XXXX and they said they shipped the correct item. 
8 ) I confirmed with XXXX that on the Wells Fargo site they only show XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. He said they denied his request to replace the wrong item that was shipped. 
9 ) On XX/XX/2022 I called XXXX, XXXX and XXXX with Wells Fargo Rewards Dept at XXXX and explain that the wrong item was shipped and I now just want a refund. They all said another open case was opened today. 
10 ) I called XXXX and XXXX at the XXXX Customer Service # XXXX and they both said it is out of their hand and I have to call Wells Fargo Rewards Dept again. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX  XXXX Tel : XXXX Email : 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 monetary relief
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: ID
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX   XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Consumer Finance, I am writing to request a correction of the following information on my [ XXXX, TransUnion ] consumer report : An account ( number : XXXX ) with XXXX is currently being reported as delinquent. This account does not belong to me and has not been updated since 2018. I have reached out to the credit bureau to correct this, but this information is still reporting inaccurately for 2 out of the three bureaus.

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 : A consumer reporting agency can not furnish an 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. 

Thank you for your assistance.

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 2022-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Has been sending me collection notices in the amount of {$3000.00} The collection has been reported as a past due to balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. 
This company does not have any contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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 listed below have violated Federal protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 
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

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 2023-01-04
Company: Commerce Home Mortgage, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Problem XXXX : - I called escrow department of change mgmt on XXXX XX/XX/XXXX ( I have recordings ) mentioning my new refinancing company, XXXX XXXX XXXX XXXX ( XXXX ) want Change Management to clear current property taxes from escrow ac - Escrow dept TOLD ME to pay the taxes directly myself to enable refinance and that they will REFUND me balance in Escrow ac - She also made notation in the account that balance in Escrow ac need to be refunded to me- During property tax payments, your escrow officer FAILED to look notes in the account that property tax is already and also validate on county 's website that this years XXXX semi-monthly tax payment was already done -Also Failed to read and act on notes in ac to REFUND me balance in escrow ac as loan was refinanced and taxes were already paid - Change Management escrow team member XXXX XXXX TWICE property taxes - I have escalated multiple times with Change Management, their escalation dept, opened up case on XXXX XXXX for refund of double paid property taxes - i have personaly confirmed from XXXX XXXX XXXX XXXX XXXX XXXX ' that they have already issued and MAILED REFUND CHEQUE to 'corelogic ' on XXXX XXXX, XXXX for the refund of {$9100.00} ( double tax paid ) Problem XXXX : Change Management company during refinance process held the huge amount of refinance of XXXX XXXX and after 21 days refunded stating loan is sold to third party and i was 'forced ' to double interest to this third party for these 21 days to close refinance when i was already paying interest with my new lender XXXX XXXX XXXX XXXX for XXXX 21 days when Change Management was using the funds for these 21 days without returning or even contacting title company and intimating the issue. 

Sequence of Events : - XXXX XXXX XXXX XXXX has obtained payoff from change management in the month of XXXX with XXXX end payoff date - XXXX TITLE company was introduced as title company closing this refinance. 
- XXXX refinanced my loan and FULL PAYOFF was PAID IN FULL to change management on XXXX XXXX, XXXX - on XXXX XXXX, XXXX i.e., after 17 days, change management refunded money to title company for short of app XXXX dollars Change Management USED XXXX ( XXXX XXXX ) for 17 days without information to title company - As per title company, per law if funds were not accepted, they needed to be refunded to title company within XXXX hours - Title company then would have resolved the case within next XXXX hours. 
- Me or title company were NOT sent any email about new loan provider by change management

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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

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 2023-04-29
Company: Experian Information Solutions Inc.
State: MI
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 recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2019-11-21
Company: Trident Asset Management, L.L.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have submitted several disputes with them about this XXXX account to no avail. I have called directly ( XXXX ) and they have no record and told me to contact the data furnisher. I have included my identity theft report from the FTC and police dept. I did EVERTHING I WAS SUPPOSED TO DO. My police report is attached and if this is not rectified, I will resort to other legal action. This company has been horrible top deal with. They have not contacted me BECAUSE THEY HAVE THE WRONG ADDRESS DUE TO FRAUD! Thats the point of filing a report and doing what I'm suppose do. I have filed SEVERAL COMPLAINTS AND WANT THIS REMOVED! My next resorts will be legal action. My police report is included, thank goodness I have a paper trail of what I did. Deplorable customer service ACROSS THE BOARD. If someone uses your information that information is now on your credit report, so their initial response is ridiculous. I did what the consumer is supposed to do, file reports both police and FTC. As well as make complaints about their business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
**Attention : TransUnion Dispute Department** Dear TransUnion Team, I am XXXX XXXX XXXX Upon reviewing my credit report, I found unauthorized inquiries that I neither initiated nor approved. 

I have reached out to the associated creditors and it appears that they do not have any documentation or evidence to suggest that I initiated or authorized these specific inquiries. It is concerning, as these entries were made without my explicit written or verbal consent. 

In light of these findings and in accordance with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681b, I respectfully request the immediate removal of the following unauthorized inquiries from my credit report : - XXXX XXXX XXXX  Date : XX/XX/XXXX - XXXX XXXX ( Finance ), Date : XX/XX/XXXX To ensure a prompt resolution to this matter, I have enclosed proof of my identity and my current address. I anticipate a timely response and expect an updated copy of my credit report reflecting the necessary corrections. 

I trust TransUnion will handle this matter with the urgency and seriousness it demands. Thank you in advance for your cooperation and understanding. 

Warm regards, 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 2018-08-21
Company: Experian Information Solutions Inc.
State: CA
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:
I have 4 active accounts with XXXX, I make payments on all of them each month for the past 2 years. On XX/XX/XXXX XXXX XXXX  obtained a copy of my credit report without my permission or knowledge. I am currently disputing the 30-day late payment with XXXX XXXX that they reported to all 3 major credit burrows, during the complaint and being aware that I am purchasing a house and I am in an escrow, XXXX XXXX put a hard credit inquiry on my Experian credit report. XXXX actions completely destroyed any chances that I had of getting a mortgage loan. 

Plese, find attached a screenshot from my Experian account showing date of credit inquiry and creditors name. 

I want this to be taking care of as soon as possible.

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