BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: Experian Information Solutions 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 HAVE ASKED SEVERAL TIMES TO RECEIVE VALIDATION OF DEBT, THEY HAVE NOT BECAUSE HE DEBT IS NOT MINE, IT IS AGANIST THE LAW TO HAVE IN CORRECT ON MY FILE, PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY, 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 2018-06-09
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: Their investigation did not fix an error on your report

Complaint:
Experian XXXX XXXX wasted the effort by just accepting collection companies word I owe the debt. No one has ever documented and proven that I owe these collections that Experian has posted to my report. They have allowed XXXXXXXX XXXX  to post five amounts to the same creditor, same account in collection, as 5 collections. Thus, grossly over stating my indebtedness in collections. 
Just because a collection company says you owe money dos not make it so. 
What did they expect them to do, of course they " self verified '' I owe the money.

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: EQUIFAX, 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: Information belongs to someone else

Complaint:
i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent.

-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. 

the accounts i am talking about are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also attached my identity report from the ftc to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I have made sure to make my payments on time for CAPITAL ONE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payment being done in the month indicated in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: CCF Intermediate Holdings LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has called my Husband and my Son looking for me. When they called me I refused to " verify '' the last four of my social security number. They claim that I took out a payday loan in 2011 from a place called Check Smart Loans over the internet. I looked up their website and it's very suspicious to me. 
Their website address is XXXX The phone number they have listed on their site is XXXX and they called me from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Step 1 : What is this complaint about?

Went into contract to purchase a new construction home with XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX XXXX Gave a deposit of {$2500.00} and approximate expected closing date was XX/XX/2020. 
Applied for a loan with the builder 's preferred lender Caliber Home Loans for a USDA loan and submitted all paperwork requested in mid XXXX and was informed on XX/XX/2020 that the USDA loan had been denied due to income limit being above the requirement. They waited over 2 months to realize that I didn't qualify when they had all my information for the last 2 years where it shows my income to be very similar to today 's. Why was this not done promptly to confirm or deny sooner?

Step 2 : What type of problem are you having?

After sending me the USDA loan denial notification, Caliber Home Loans offered an FHA or Conventional loan options and sent Good Faith Estimates for both types of loans.

In conversations with the loan officer XXXX XXXX I mentioned that due to the Pandemic Covid-19 my current contract at XXXX XXXX XXXX may not be renewed and that I may lose my job, and possibly my last paycheck was XX/XX/XXXX. 

Step 3 : What happened?

Caliber Home Loans accused me of exaggerating so I could get my closing costs covered and that due to my disclosure of a possible unemployment situation he had no other choice but to deny the loan.

Step 4 : What company is this complaint about?

I explained the situation to the builder 's sales representative XXXX XXXX and he forwarded two other preferred lenders to start the pre-approval process again. I refused to authorize these two other companies to run my credit. In addition to the fact that I can be laid off and that the first preferred lender had already denied the loan, I asked the builder 's representative to cancel the purchase because I was denied the loan. 
The builder is now sending me a cancellation & release form stating that management spoke to Caliber Home Loans and they determined I do qualify for an FHA loan and that XXXX would expect me to close on time. 
I feel this is unfair and untrue because I have it in writing where the loan was denied, so it is not because I don't want to close but due to the reasons stated above. 
I understand if they don't want to give me my {$2500.00} deposit back plus the {$500.00} deposit for upgrades selected but for me the most important thing is to make sure that I am not liable for anything else. 

Step 5 : Who are the people involved? 
People involved : XXXX XXXX XXXX, Caliber Home Loans and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: PR
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  account XXXX has violated my right to privacy 15 U.S.C 1681 section 602 A. State i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 It also State a without my written instrutions

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 2023-04-21
Company: EQUIFAX, INC.
State: AL
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:
Tried getting my issue resolved with with no help! XXXX is reporting false and illegal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Tried getting my issue resolved with with no help! XXXX is reporting false and illegal information 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 2020-04-03
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
I made and electronic request on XXXXXXXX XXXX  site through XXXX and no one responded to my inquiry to investigate and remove XXXX XXXX XXXX, an inaccurate item, on my credit report in the amount of {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: AL
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:
Tried getting my issue resolved with with no help! XXXX is reporting false and illegal information 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 explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have no financial obligation to this company and because I never signed for this account, please take them off from my credit report.. Experian is not following the laws I have provided a police report and the items are still listed on my credit report XXXX  CARD   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 2020-04-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have no financial obligation to this company and because I never signed for this account, please take them off from my credit report.. Equifax not following the laws I have provided a police report and the items are still listed on my credit report XXXX/XXXX  XXXX, XXXX XXXX , XXXX - CARD SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attached, please find documentation for the following complaint against XXXX XXXX XXXX. Mr. XXXX XXXX has attempted to communicate with XXXX XXXX for almost 7 months over a mystery fee that they have added to his pay off demand. We have attached multiple payoff demands that he has received over the last 7 months. On some of the payoffs, a mystery fee of {$49000.00} is present while it is not on others. When questioned, XXXX has simply dismissed his requests for an explanation or to refer him to Appendix G of his loan documents ( I have attached appendix G here ). Appendix G is in regards to late payment, but in no way allows a mystery Maturity Fee to be added to the account. We believe this is simply an attempt of XXXX to commit fraud against Mr. XXXX. He has asked multiple times for an explanation and the response has been bogus at best. 

We would like XXXX XXXX to prove that they have the right to charge a 15 % on the gross unpaid principle balance in order for the borrower to pay the loan off or remove it from the payoff statement. 

CC : California Office of Attorney General

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX  XXXX XX/XX/XXXX and XXXX   XXXX XXXX XX/XX/XXXX ( 11 years )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XX/XX/2022 I have attempted to obtain a prequalification with Guild Mortgage in XXXX, Nevada through XXXX XXXX. I am looking to buy a property at Nevada XXXX in XXXX XXXX, NV. I have my own lenders, XXXX XXXX and XXXX XXXX  but the Builder at XXXX  XXXX requires I get pre-qualified with Guild Mortgage but can use my own lender. I talked to XXXX XXXX XXXX time only by phone. I provided the credit information needed and my COE from VA and income, etc and have repeatedly asked for a prequalification so that I can sign to hold the lot XXXX plan XXXX. She has not called back and will not say yes or no regarding the prequalification letter so I can hold the house I want. It will cost me the house. I have attempted to reach out to a branch manager at Guild Mortgage and no one will call me back. I feel discriminated against because of my XXXX service connected disabilty.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX XXXX XX/XX/XXXX and XXXX   XXXX XXXX XX/XX/XXXX ( 11 years )

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 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a bankruptcy on my account. I contacted Transunion XX/XX/2018, and ask for this item to be removed. Their response was " this account has been verified ''. I ask them for any and all information they received to " verify '' this bankruptcy. At the same time I contacted the bankruptcy office and the third party and was told they do NOT verify information to credit reporting agencies.

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 2023-04-21
Company: Grain Technology, Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On Monday, XX/XX/2023 I saw that my XXXX credit score went down XXXX points on XXXX This was due to Grain Technology Inc reporting my account as 30 days late. I have made all of the required minimum payments and I was confused on why it was reporting as late. I have tried connecting with them over the phone, but the number they have on file does not route to a representative to help you. 

I have disputed this claim with all XXXX bureaus. I noticed that Grain has updated my XXXX credit report from 30 days past due to 60 days past due even though the XXXX payment is due on XX/XX/2023. It hasn't even been a full month since the minimum payment for XXXX, so I am confused on how this payment is 30 days past due and I am unable to get in touch with anyone over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: SYNCHRONY FINANCIAL
State: OR
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 : Notice of unauthorized use of PayPal credit account. 

Dear Sir or Madam, I am the victim of identity theft. My Paypal account was used for multiple unauthorized transactions on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX. The first transaction of {$360.00} on XX/XX/XXXX was legitimate. I did not authorize the two subsequent transactions that day or any other PayPal transactions after XX/XX/XXXX. I did not authorize anyone else to use my PayPal account in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act. and implementing Regulation E, 15 U.S.C. 1693 et seq. 12 C.F.R. 205 of my unauthorized transactions.

See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving my PayPal account, including but not limited to the following : {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$410.00} on XX/XX/XXXX I am attaching a copy of each of the following documents to this letter : The FTC Notice to Furnishers of Information FTC Identity Theft Report Please restore any funds which have been withdrawn from my PayPal account and adjust the balance and interest back to XX/XX/XXXX. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that any funds have been restored.

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 2020-04-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
attached ftc violations The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

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