BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of this property in XXXX of XXXX. Everything was good on our end and the lease was completed. I received a collection notice on my credit report for the amount of {$150.00}. I have no knowledge of any outstanding charges when we moved out and paid our final balance. We moved out XX/XX/2022 and this charge was from XX/XX/2022 on the proof of collection I received. A payment was made of {$150.00} in XX/XX/2022, but was returned XX/XX/2022. This was shown under the name of one of the roomates. I, have no knowledge of any of this going on. This should not be a collection on my credit report. I tried contacting the property to get some insight on what was going on, but it turns out they are not managed by the company that was in control when we lived there. That company was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: NE
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 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 fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have written to Transunion twice in regards to the correct spelling of my name. I also called in to Transunion for corrections. As well as correcting employer information. The information that I provided is not reflecting 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 2022-02-16
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:
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 EQUIFAX 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 EQUIFAX 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 OF 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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: TN
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:
My student loan XXXX was transferred to XXXX XXXX from XXXX XXXX in 2013. XXXX XXXX is reporting the account had late or past due payments but this is not true since I had " in school '' deferral and XXXX XXXX did not send that information to XXXX. I did settle the account in a lump sum with XXXX   - but I was never late as I had an in-school deferral.

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 2023-11-09
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
My loan got refinanced with U.S. Bank and U.S. Bank took over the loan but at the same Time that the refinance was happening, XXXX XXXX bought the loan out and my mortgage with XXXX XXXX never got paid off had a loan with U.S. Bank and was paying on it a year later. I got a foreclosure notice stating that my property was being sold off has affected my credit report drastically. as soon as got for closure notice got a hold of XXXX XXXX talk to multiple managers said the problem would be resolved but the problem was never resolved got a letter that my property was being sold had to pay {$10000.00} out-of-pocket to pull my property out of foreclosure, while I was paying a mortgage with U.S. Bank that shouldve done a refinance on my property. had to use my refinance money to pull my property out of foreclosure, so I could not pay off my credit card debt have been racking up credit card debt with high interest has been very difficult

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 2022-11-08
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During my covid forbearance Flagstar added an amount of XXXX of lender paid expenses to my mortgage payoff. So I have 3 leins on my house and can't refinance to get relief until the matter is resolved. My pay off is showing my balance principle of XXXX, XXXX my forbearance of XXXX. And a lender paid expenses of XXXX. When I contacted flagstar on XX/XX/22 they agreed the XXXX should not be there but now are telling me they don't see it to remove it. After 4 additinal calls to their escalations department i am not getting and resoltion. I am not sure how I am to proceed in this matter. Or who to contact.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have identity transaction that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as 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 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 2023-03-11
Company: CAINE & WEINER COMPANY, INC.
State: LA
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:
XX/XX/XXXX {$260.00} I have disputed the collection. 
This is negatively affecting my credit. 
Original creditor XXXX Account opened XX/XX/XXXX. 
Last reported XX/XX/XXXX. 
A collection agency is reporting incorrect information on my credit report. It shows an account that has a past due balance. Collection, there should be no balance, past due or otherwise on the account. I do not have a contract with the collection agency that is reporting incorrect information. Also, this collection agency brought the original contract and the debt. Commerce law 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
In accordance with the Fair Credit Reporting act 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

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 2021-05-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
FTC Report Number : XXXX I am writing to inform you that TRANSUNION has committed several violations under 15 U.S. Code 1681n and 15 U.S. Code 1681o, which are the civil liability and administrative enforcement provisions of the Fair Credit Reporting Act ( FCRA ), respectively. The FCRA imposes requirements on consumer reporting agencies ( CRAs ) to ensure the accuracy and fairness of credit reports. TRANSUNION has violated the following provisions of the FCRA : XXXX.Failing to follow reasonable procedures to ensure the accuracy of a consumer 's credit report - TRANSUNION failed to take reasonable steps to ensure the accuracy of my credit report. Specifically, reporting inaccurate fraudulent accounts with-out verifying the information from, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX 2.Failing to conduct a reasonable investigation of a consumer dispute regarding the accuracy of their consumer report - Disputed the inaccurate information with TRANSUNION, but TRANSUNION failed to conduct a reasonable investigation of the dispute. 
XXXXAdditionally, I ( REQUESTED PROOF ) please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

TRANSUNION FAILED TO COMPLY WITH THE LAW MY LEGAL RIGHTS HAVE BEEN VIOLATED. THEY HAVE BROKEN THE LAW AN THERE SHOULD BE FINANICAL PAYMENT CASHERS CHECK MAILED TO MY DELIVERABLE ADDRESS

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 2021-07-10
Company: Experian Information Solutions 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:
on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as XXXX, Experian, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL

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 2020-03-17
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report 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 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 2020-03-17
Company: Experian Information Solutions Inc.
State: GA
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 feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.

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 2022-03-25
Company: Caliber Home Loans, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, IA. XXXX. 
Caliber Home Loans is my mortgage holder -Account # XXXX. 
Apparently, Caliber 's home office is in Texas : XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX On XX/XX/XXXX, I received a notice from XXXX XXXX, IA of taxes due. I tried to call Caliber Home Loans to ascertain if the taxes had been paid out of my escrow account which is the norm. I was transferred around. Third party representatives could not find my account. 

Thus, to insure the integrity of my property, on XXXX XXXX I paid my taxes-see below. 

Today, I retrieved my mail from my XXXX XXXX XXXX, XXXX, IA XXXX. My monthly mortgage statement was in the mail. The monthly mortgage statement does not reflect that I made the tax payment out of my credit card. Instead it reflects that the taxes were paid out of my escrow account. 

XXXX XXXX Iowa confirms that I paid the taxes online, NOT CALIBER Home Loans. 
Therefore, there is {$320.00} missing from my escrow account. 

As of XXXX AM, XXXX, I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
XXXX stated that he was transferring me to a second tier to see if there was a way to end the escrow tax payments. Note that was not the primary reason for my call, I want to know where my {$320.00} is. XXXX stated that she would stay on the line and connect me with the tax department to find out where my money was. Instead she transferred me to XXXX, who sounded like she was offshore and then either hung up or disconnected me. 

I subsequently called back and spoke with XXXX who refused to transfer me to a supervisor and instead transferred me to XXXX, who had no idea why I have been transferred to her. 

I requested of XXXX that I be transferred to a supervisor, who then transferred to the tax department to XXXX. XXXX can not find my account. As I write this I am on hold for a supervisor. 

I am requesting that the Attorney General 's Office of the State of Iowa not only assist me in ascertaining where my escrow money is, but also require an audit of Caliber Home Loans with respect to their customers in the state of Iowa. 

Thank you for your time. I look forward to your response. 

Sincerely, XXXX XXXX XXXX, XXXX. ; XXXX XXXX Receipt # XXXX From : XXXX Sent : Fri, XX/XX/XXXX at XXXX am To : XXXX XXXX XXXX TREASURER XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DATE : XX/XX/XXXX XXXX AM OPER : WebPayments TKBY : WebPayments TERM : XXXX REC # : XXXX XXXX Tax Collections Parcel : XXXX Second Half Owner : XXXX XXXX XXXX XXXX XXXX Tax XXXX Paid By : XXXX XXXX XXXX XXXX REF : Import Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is trying to collect an invalid debt to begin wit, also when she called me, she gave a brief statement about attempt to collect the debt and followed with you have {$5000.00} medical bill, would you like to pay that tonight? She did not verify my identity or anything to ensure I was me. She definite failed proper authentication and verification procedures. I told her the debt was not valid as I have told this company before and I am in process of disputing their removal from my credit report. Also the 2 accounts I have for them on my credit bureau are for {$0.00} and {$130.00}, not over {$5000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: AZ
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 : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.

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