BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: MRS BPO, LLC
State: NY
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:
This started when I received a credit alert both from my bank / XXXX and XXXX XXXX stating that my XXXX XXXX had changed. After checking the score I found this had nose dived from near perfect to the low XXXX. Upon further checking with XXXX I noticed I had been put in for collection for an amount of {$1300.00} by a company called MRS Associates/ XXXX XXXX XXXX / XXXX XXXX NJ XXXX on behalf of their client " XXXX XXXX  ''. Not only do I not have any account with XXXX XXXX - and never have - but I have also never been contacted by MRS Associates directly, as I said the only reason I even knew about this was because of the credit alerts from XXXX and XXXX. I have spoked to XXXX and opened a fraud dispute which will take 30 days to resolve, and I will do the same with XXXX and XXXX. This is complete fraud and a review of MRS on the local Better Business Bureau reveals that they have had XXXX complaints about their business practices in 2022 alone, including an identical situation to mine involving XXXX XXXX  which leads me to question as to whether this MRS is in cahoots with their clients attempting to extort money from unsuspecting victims. I need this to be removed from all credit reports and an investigation should be launched into business practices of MRS. XXXX confirmed they will investigate under report # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: VA
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 ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # 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 an account without my written instructions.

I already tried to reach out with the Credit Bureaus regarding these collection issues with but is still not being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Per the FTC website XXXX in the section " Posting Payments '' the first line reads " The servicer must credit a payment to your loan account as of the day it is received. '' My mortgage loan servicer, Wells Fargo, is not applying the payments on the date received. I have set-up automatic weekly payments to be withdrawn from my bank account and applied to the mortgage which is to pay the principal, interest, taxes, and I opted for additional principal to be withdrawn and applied as well. I will be uploading a copy of my XX/XX/2017 Mortgage Statement with personal information blacked out as evidence ( you 'll see explicitly noted the weekly payments are " unapplied '' ). Wells Fargo is essentially receiving a short-term interest free loan by holding the weekly payments until the end of the month and then applying them. I believe this is incorrect. They should be applying the payments once received in order to reduce the principal balance which then reduces the amount of accrued interest.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2022 Transunion reported a loss of XXXX points. 

My score dropped from XXXX to XXXX. 

My credit report shows an XXXX XXXX loan as closed on XX/XX/2022. 

The report also shows XXXX XXXX account balance decreasing by {$300.00} from {$300.00} to {$0.00}. 
I have contacted XXXX XXXX to find out what they reported. Their reply was " account was satisfactory paid ''. 
I have contacted Transunion also no explanation. They just take points when they see closed and encourage consumers to leave credit cards open and continue to use them. 
They do not make any difference from when a loan is paid off.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: GA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-03-15
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have our mortgage loan through Cross Country Mortgage and made on-time payments until XX/XX/XXXX when we entered forbearance after my husband was laid off due to COVID. In XXXX of XXXX, we contacted the mortgage company to start resuming our payments and we were offered a COVID partial claim option for our past due balance and an updated mortgage payment amount going forward. We signed, notarized and returned the completed partial claim paperwork that was sent to us and returned it in the pre-paid envelope to the service provider. It was received on XX/XX/XXXX according to the tracking number. We followed up monthly with Cross Country Mortgage for status of the partial claim and when we would have access to our online account and applied payments. We were told that the partial claim had been approved in XXXX but that we needed to just allow more time for processing and for our account to be updated. The usual excuse was that they may be behind on processing due to the amount of requests. Starting in XX/XX/XXXX, we started to receive mail and collection calls from Cross Country Mortgage. We have since spoken to numerous individuals sometimes up to XXXX times a week starting in XXXX and have received no clear answers as to why the partial claim was not applied, even though they had clear documentation in their system that it was received and approved in XXXX according to several individuals that we spoke with since XXXX, XXXX. As of last week we have submitted more documentation for a loss mitigation solution which they claimed was required to complete our COVID partial claim request. Now we are being told that we no longer meet the time requirements for the COVID partial claim because they did not receive the paperwork that was sent out in XXXX, XXXX. As stated previously, the partial claim paperwork was signed by both my husband and myself, notarized and returned in the provided return envelope and tracking was provided with a received date of XX/XX/XXXX. We have also been making our adjusted mortgage payment since XX/XX/XXXX. We have been given misinformation since the start of this process and do not know how to proceed. We continue to make our adjusted mortgage payments and have submitted all extra documentation that they have requested even though it should not be required given our approval for the COVID partial claim. We are just looking for a resolution for something we thought was completed seven months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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
Consumer complaint received 2020-12-28
Company: PNC Bank N.A.
State: FL
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, PNC BANK add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: FL
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 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 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 explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
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:
This account is validated as mine However, this account incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX, XXXX, EQ. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately This account is incorrectly reporting that I still owe a balance. On my Equifax report from XX/XX/XXXX the balance due on this account is {$0.00}. XXXX REPORTED ACCOUNT MEETS FCRA REQUIREMENT EVENTHOUGH CHARGE OFF HAS A BALANCE, XXXX has lates on a charge off account. EQ HAS LATES ON A CHARGE OFF ACCOUNT PLEASE REMOVE THESE ACCOUNTS THIS ACCOUNT HAS BEEN ILLEGALLY REAGED AND THE BALANCE HAS CHANGED FROM XXXX TO XXXX WHEN THE BALANCE SHOULD BE XXXX IF ITS A CHAGRE OFF ACCOUNT. THE CREDITOR REPORTED XXXX BALANCE FOR XXXX AND EQ IN XX/XX/XXXX THEN UPDATED THE BALANCE TO XXXX AND IS damaging MY SCORE AFTER I ALREADY DISPUTED THIS ACCOUNT AND REQUEST THE BALANCE TO BE XXXX XXXX FAILED TO UPDATE THE STATUS OF THE investigation ON XX/XX/XXXX XXXX CONTINUED TO REPORT COLLECTIONS EVERY MONTH SINCE XX/XX/XXXX ON MY REPORT ADN REAGED, MY ACCOUNT ILLEGALLY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have mailed in letters several times to XXXX, XXXX and Equifax in regards to my account with XXXX Account # XXXX. Starting in XX/XX/2020 up until XX/XX/2020. I have gotten some responses which I will attach. Yet inconsistencies remain on my report for XXXX. For your convenience I am attaching the latest response from each bureau. I will also list the issues I see. 

1. Date of first delinquency is missing 2. Purge date is not listed 3. Full payment history is not listed, specifically scheduled and actual payment amount.

4. Closed date is not listed on Equifax or Experian According to your own industry standard which is the Metro2 the above information must be reported.

I do not see an actual proper re-investigation completed after addressing the issues set forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Issues with financial aid services

Complaint:
I enrolled into the university in XX/XX/2023 with an already approved private ( Sallie Mae ) grad loan based on my credit score and estimate of school costs. I had to notify XXXXXXXX XXXX  on several occasions as to when my loan would be certified and finally was certified and released to XXXX for payment refund on XXXX XX/XX/2023, but the school did not refund/release the funds to me so that I could pay the school tuition/books and fees and to date has not been released from ( XXXXXXXX XXXX  ). I contacted the school advisor ( XXXX XXXX ) and several different financial aid officers on several occasions and was told that since my loan was ready for refund payment but it would not be released until XXXX. I had no other choice than to drop the class and withdraw from the university. I waited on the phone line to drop the course before final payment was due but the line disconnected twice and when I finally was able to reach financial aid they said that I would be given until XXXX XX/XX/XXXX to pay. However, I could not reach any advisor and I had to write an email to XXXX XXXX to fully withdraw me since the school never gave me the Sallie Mae loan to pay and I was told that since I did not reach him until XXXX XX/XX/XXXX that I had to pay for the class. I was then contacted by XXXX  XX/XX/XXXX and asked did I plan on attending my class for the term and I told them that I withdrew from the XXXX  in XX/XX/XXXX. The person on the phone seemed shocked and had XXXX XXXX contact me since he never withdrew me from the XXXX or class. XXXX XXXX finally told me how to properly withdraw and did not backdate. I asked about the refunding of my loan and once again he said that they had to find out how to proceed since it was a private loan. I continue to contact the school and they released {$260.00} and have not paid for the class nor returned the loan. I am already making payments on the loan that XXXX XXXX will not release. I have continued to contact the school but they will not release a loan to me or Sallie Mae. I obtained the loan based on my XXXX XXXX XXXX with no assistance from the school. XXXX XXXX  needs someone to educate them on refunding private grad loans. I really need this resolved as it is not fair that I am paying a loan back that XXXXXXXX XXXX is holding. Please advise.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: Bread Financial 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: Information belongs to someone else

Complaint:
1.Commenity Bank Express is reporting I have an account with them and I have never had an account with them. 
2. XXXX XXXX XXXX has an account on my credit and I have never had an account with them. 
3. XXXX is reporting that I have an account with them and I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried to get my credit report from all three Consumer Reporting Agencies and these companies will not provide it. I have disputed items that are old, unverifiable, incorrect, and unauthorized. For example, my bankruptcy XXXX states they verified it but I sent XXXX a letter from the Court which states the Bankruptcy Court does not provide information to credit reporting agencies. There are inquiries from XX/XX/XXXX about nine of them and I only authorized one which was XXXX XXXX. I didn't give XXXX XXXX permission to run my credit like that. 

I sent letters out on XX/XX/XXXX, and again on XX/XX/XXXX, and I have not received a response from the big three as they are called. I have tried calling and all I get is being transferred throughout the companies or putting me on hold forever and hanging up on me. And now I can't get my reports even through XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This complaint to TRANSUNION was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$65000.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
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 am a victim of identity theft and did not make the charges.

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