BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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:
I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX FIN XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-02-03
Company: World Omni Financial Corp.
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: Account status incorrect

Complaint:
Hi I'm attaching a document for incorrect information reported on my credit report. Attached are XXXX supporting documents stating that a payment was scheduled to be made XX/XX/14 out of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: BAM Financial, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Ticket # XXXX. On XXXX XXXX I made a {$1600.00} purchase on XXXXXXXX for a crypto currency know as ETH. I have verified every single part of the transaction to include the purchase amount actually showing the purchase of said crypto directly on the XXXXXXXX exchange. However, the amount of purchase for said crypto was never credited to my XXXXXXXX  account and still to this day does not reflect the actual purchase made even though there own exchange reflects the purchase of the crypto. I have tried on several attempts to reach out to the business but have not received any response back aside from the standard generic computer generated email stating they have received my submitted ticket requesting assistance in the matter.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-17
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:
My name is XXXX XXXX, and I am submitting this CFPB complaint to contest the fraudulent items that are listed on my credit report. Upon receiving a recent copy of my credit report, I was alarmed to discover the existence of several accounts that I neither opened nor have any knowledge of. The accounts in question are as follows : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to emphasize that I did not initiate the opening of these accounts nor did I authorize anyone else to do so on my behalf. I firmly believe that this is a case of identity theft, and I am currently taking the necessary steps to report this matter to the appropriate authorities. I kindly request that you provide a written response regarding this dispute and inform me of the outcome of your investigation. Additionally, I would appreciate it if you could furnish me with an updated copy of my credit report once the fraudulent items have been successfully removed.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : 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 2021-05-23
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Information belongs to someone else

Complaint:
I recently went to apply for a mortgage and I noticed some inaccurate items on my credit reports. Not only were they inaccurate but they were also unauthorized. My data has been involved in various data breaches, XXXX to name one, and someone was successful at opening up accounts in my name but were unauthorized. I also tried settling this with the credit bureaus 30 days ago and I haven't heard anything back from them yet and I know they have to respond in 30 days. my reputation with the banking system because of the inaccurate items being furnished on my reports. I need this fixed immediately

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 2021-05-22
Company: EQUIFAX, 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:
I am raising the issue of 11 U.S.C. Section 362 ( k ) ( 1 ) provides that an individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys ' fees, and, in appropriate circumstances, may recover punitive damages. 
I will sue this credit reporting company for violating my automatic stay under federal law. I filed bankruptcy and included this company. The company knows I included them in my bankruptcy and are still trying to make a collection. You have violated my right and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have tried to resolve this situation with XXXX, and ask them for verification of this debt and also i disputed it with all 3 credit bureaus and it came back verified and unchanged, someone open this account in my name without my authorization, this account is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I first reached out to rocket mortgage on XX/XX/22 for a loan. They checked my credit XX/XX/22. I gave them all information concerning employment, debts, income etc. I was told everything was good and to pay a 100 % refundable XXXX $ deposit. I specifically asked on the recorded line if it was refundable and the mortgage lender said YES. Over a month goes by and Ive been talked in circles and lied too to find out my application has been denied with no reason why. I did some research and spoke with another lender and was told within 30 seconds we wouldnt qualify for a fha loan with the recent job change since the length at current job wasnt long enough. XXXX XXXX at Rocket mortgage bait and switched to get my deposit knowing this would never be approved in the first place. Now they will not give me a refund. I just want someone to look into this and hopefully get my regains or do anything they can so this doesnt happen to someone else. I was blatantly lied too and essentially stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: ProCollect, Inc.
State: AR
Product: Credit reporting 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:
Pro collect phone representative stated they wouldn't remove the closed account information on the credit reporting agencies as it was a debt that I had incurred at one point in time.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent letters to the TransUnion 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 has been heard from them. That means TransUnion 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 XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/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 2023-03-28
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX  took my truck but closed the loan in my credit report I put {$15000.00} down for that pickup truck

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 2021-05-22
Company: CL Holdings 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: Old information reappears or never goes away

Complaint:
They are reported negatively twice to Each credit reporting agency for the past 3 years causing a double Jeopardy and double the damage to My name as if is 2 seperate incidents causing my score to suffer double the points as it should. Yet both companys refuse to remove any negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CL Holdings LLC
State: IL
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 called numerous times and they keep staling and don't want to talk to me. They sent me to collletion for a amount of XXXX and I have never bought anything from them and the put on my credit report that it was opened in XX/XX/2023 and that it was a joint account and they won't tell me who the other person is. I don't owe this money it was not me I think someone stole my identity and they won't talk to me. I called the Collection agency and the guy said he was going to charge me money to fix it. But I don't owe the money. So why should I have to pay to fix it? I think I'm being scammed they took my identity. This is not me, I need help fixing it. Somebody's got ta know something. XXXX XXXX XXXX in XXXX, Alabama. Is the people that sent me to the collection agency? 
The collection agency 's name is Jefferson capital systems.XXXX XXXX XXXX XXXX  is the guy I talked to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: MS
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX & Equifax bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: WI
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:
i have given experian my personal infomation and proof of adress and they still have not updated my address to the correct XXXX XXXX XXXX XXXX XXXX wi 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 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: AZ
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 sent Experian a dispute XX/XX/23 for some late payments that i made them aware were not valid and needed to be removed.

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 2022-09-30
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:
XXXX XXXX XXXX Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose

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 2023-12-06
Company: Mr. Cooper Group Inc.
State: LA
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:
XX/XX/2021 home received damages from XXXX XXXX. XXXX XXXX XXXX XXXX folded and XXXX for the State of Louisiana took over the guarantee of my mortgage. XXXX paid us on XXXX two checks for a total of {$48000.00}. ( approximately ). My attorney XXXX XXXX XXXX, XXXX at the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA sent the signed checks to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The new company name now is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account number is XXXX in the name of XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX.

Company response to consumer: Closed with explanation