BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 my third attempt to receive from the bureaus requested original documented proof of a disputed 8-year old account [ XXXX XXXX ]. It appears that the account was remove, updated from the information I provided and then placed back onto my report causing my FICO score to drop nearly 40 points. Therefore, it seems I was penalized for requesting a proper investigation ; and sending me tangible proof. 

As per section 609, I should be protected from all forms of false and manipulative reporting and asking for all documents that were filled out when this account was opened, including an application and/or contract with signatures is within my rights. I contacted all three bureaus after discovering that all three bureaus had different and conflicting information about a very old account. It is clear that I was penalized for challenging an account. The amount owed was the same, which should have been the only reason my score would have to change. 

In the pass I was a victim of identity theft, I simply want the original documents to determine ownership.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: AR
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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX days ). Please let me know if you require anything else. Please take a look at the following items and remove them as these items are fraudulent : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX Balance {$340.00} XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$280.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balace {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX Balance {$760.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$900.00} XXXX  XXXX Balance {$610.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX XXXX of XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A 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 2018-10-20
Company: STERLING JEWELERS, INC.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have a closed account showing on my credit report from XXXX XXXX that is NOT accurate. Says I opened the account in XX/XX/XXXX which I did not do. The only time I had a XXXXXXXX XXXX account was in XXXX when I was young and stupid and messed up my credit because of delinquent payment history so if I were to apply for another account, I'd be denied anyway. When I checked my credit report 2 years ago, it showed an exact duplicate account for XXXX XXXX in the amount of {$1000.00} owed. I have had contact with the company who bought that account and it was removed from my credit report. {$1000.00} was NEVER my credit limit. I do not understand what is going on or why this is happening but this information should NOT be on my credit report and I have tried to dispute this case many times and nothing is changing. If this error is not corrected and this account is not removed from my credit report within 30 days of this dispute, I will sue XXXX XXXX under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
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: Account status incorrect

Complaint:
In cfpb complaint XXXX I reported making timely payments on my XXXX mortgage. They answered the complaint by saying my timely payments were applied to principal, and they were going to leave derogatory reporting against my credit. Please review this illegal practice. My online account where these payments were made were set up and established in their branch by their own assistant manager. She even made the XXXX payment for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-11-17
Company: Experian Information Solutions Inc.
State: TX
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 house closed on XX/XX/XXXX. Funds were dispersed on XX/XX/XXXX and received on XX/XX/XXXX. XXXX XXXX Mortgage and all the liens have been updated on my credit report. XXXX XXXX XXXX account amount has never been updated. I get a different answer every time I call XXXX XXXX. XXXX person said they updated last Friday of the month. Another said it was the XXXX of every month. I called Experian. I filed a dispute. They said it would take 30 days. I called again. I keep getting XXXX with XXXX XXXX at Experian. First he told me it was too early to know and it hadn't even been investigated yet. I got an email the next day that said it had been resolved and they said that they contacted XXXX XXXX and were told the account was still open and due. I called XXXX XXXX again and they said that they had reported it as closed and paid. I told XXXX at Experian I had all the lien release documents to prove it had been paid. He told he I could upload it at Experian so I took pictures of the documents and tried to upload them but it kept timing me out and then told me it had to be in a pdf format. Someone is lying. XXXX XXXX XXXX is lying or Experian is lying. Why would he tell me XXXX thing on day and another thing another day. Something is very wrong.

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 2023-11-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S, C 1681 section 602 A. States I have 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Paxful Holdings, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX XXXX, Paxful.com frozed my account suddenly without made an advice, containing aprox. XXXX Bitcoins. They adduce a " Compliance Review '', so I'm shocked about their decision. Every time contacted to paxful support says : " Thanks for getting in touch about the status of your account. 

We understand how difficult this must be for you, not to be able to use your account. Please bear with us as the account review is still ongoing. We are unable to resolve or grant your request to access your account at the moment. 

Rest assured that we are doing our best to speed up the review. Once there is an update, we'll definitely let you know. For now, no need to do anything but wait until further advised. 

We hope for your kind understanding and we appreciate your patience regarding this matter. '' As you can see, they don't give me a date to withdraw my funds and apparently they want to scam me with the Compliance review story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage started XX/XX/XXXX with XXXX XXXX and was later sold to PHH Mortgage who holds our mortgage now. 

Somehow, the tax bill belonging to the two properties adjacent to ours has been paid out of our escrow account in both year XXXX and XXXX. 

XX/XX/XXXX- {$1900.00} and {$1900.00} was paid to the county tax office out of our escrow, along with our correct parcel tax bill of {$2800.00}. 

XX/XX/XXXX- {$1900.00} and {$2000.00} was paid again to our county tax office out of our escrow account, along with the correct parcel tax bill of {$2900.00}. 

I reached out to PHH Mortgage in XXXX to start the process of solving and rectifying the issue. First, with no help to PHH, we figured out that it was the adjacent properties tax bills we had been paying and made PHH aware of exactly the error they had made with our funds. After talking with our counties tax office we learned that PHH had to work with the homeowner who owns both adjacent properties and get the tax monies back from their mortgage company. This homeowner was made aware of the situation and was very willing to make right the tax monies that she had not paid because of PHH 's paying them first. The Tax Office is not allowed to pay out any monies it has correctly or incorrectly taken in- which is why PHH needed to go to the properties mortgage company to get their refund. 

As of XX/XX/XXXX, PHH was able to get funds back from the incorrect paying of said properties taxes for ONLY the year XXXX - and even so did not notify me or has yet to explain where that refund was credited to - as I have not seen any monies in either check or credit. I could be missing it somewhere, but have been reaching out to try and get an explanation and have not been able to talk to someone who knows anything whatsoever about exactly what is happening. 

I have reached out multiple times since XX/XX/XXXX trying to let them know that XXXX errors have not been rectified. I end up explaining thing, or trying my best to sort this out, and have yet to have anyone show any expertise or really care at all for the case. Communication has been terrible since the beginning of this problem. If I do get a call and they leave a voicemail, I am given a general call center number and can hardly ever get back to anyone in particular.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple phone calls received from   XXXX   XXXX   XXXX   stating that we owed {$150.00} some dollars to   XXXX   XXXX   and that they were going to be filing a lawsuit against us. Phone calls started   X/X/17 ,  continued   XX/XX/XXXX  &    XX/XX/XXXX  unt il I informed them that I knew what they were doing was a scam and that I would be reporting them to the FTC / CFPB. We have not received a call since then. We owe nothing to  XXXX , never have. I have no idea how they got our name / number.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 paid my car finance off with XXXX XXXX for the amount of XXXX on XXXX XXXX. XXXX XXXX sent me an official release of lein letter on XXXX XXXX which I can provide. On my credit report with TransUnion, XXXX, and XXXX its reporting that I still owe XXXX XXXX an amount of XXXX. Ive contacted XXXX XXXX they told me they will fix but they never did. I disputed this with the credit bureaus but nothing has changed. This is affecting my credit history stopping me from purchasing a home to build a foundation with my family. I also have my car title with no lein hold on it. I would like this account to be removed from my credit report with all three credit bureaus. Can youll please take care before I take legal actions. Thank you

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 2023-06-23
Company: EQUIFAX, INC.
State: VA
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 requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Account status incorrect

Complaint:
I have sent letters to XXXX, Experian, and XXXX informing them that charge offs are considered income and should be removed off of my consumer report immediately and permanently.

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 2023-01-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have sent letters to XXXX, XXXX, and Equifax informing them that charge offs are considered income and should be removed off of my consumer report immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: PA
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 Acct XXXX XXXX XX/XX/2018 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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:
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), Experian Information Solutions , Inc, provide I, XXXX XXXX, consumer, with such documentation where I gave you written instructions and permission to furnish my information? Thank you. Best regards.

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 2023-06-23
Company: EQUIFAX, INC.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a bill for ambulatory service ( {$3400.00} ) and disputed the bill, have not heard anything since the written dispute and just received an email from XXXX that I have a collection showing on my credit. They should be required to notify us the status of the dispute so that we have a chance to pay the debt before going to collections. The ambulance service on XX/XX/2021 was for a minor child that was not needed and when we declined we were told we did not have the option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
A XXXX XXXX account is showing updated on my credit profile constantly updating the information from 180 days late to 120 days late and I do not own this account I would like it removed immediately from my credit report

Company response to consumer: Closed with non-monetary relief