BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: A-L FINANCIAL CORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXXXXXX AND PACFIC CREDIT EXCHANGE THEY BOTH REPORTING ON MY CREDIT SAME AMOUNT JUST DIFFERNT NAMES. PACFIC CREDIT EXCHANGE NEVER SENT ANY NOTICES SAYIND THEY TAKING OVER THIS DEBIT. BOTH REPORTING AND TRYING TO COLLECT THE SAME AMOUNT XXXX. THIS IS A DUPLICATE ACCT WITH DIFFERNT NAMES I WOULD LIKE FOR BOTH COLLECTION BE REMOVED ITS BEEN PAST THE TIME FRAME TO COLLECT. THEY SELL MY INFORMATION SO IT CAN START OVER.. THEY DID AGREE TO REMOVE IT BECAUSE I WASNT GIVEN PROPER NOTICE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 

XXXX XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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 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 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 2023-03-28
Company: EQUIFAX, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX has been reported to Experian in the amount of and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has failed to send a initial communication letter to the consumer ( XXXX ) which is a violation under the FDCPA 15USC sec.1692g ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ect. XXXX XXXX has failed to notified me of debt therefore requesting Experian to remove this Collection from 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 2022-10-17
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:
I have asked the credit bureau to do a verification on everything on my credit report and they did ; they stated that everything is accurate. I have done a thorough research myself and looked even further and found improper inaccuracies on my credit report even after the credit bureau did their research. 

In accordance with the Fair Credit Reporting Act Convergent ( Account # Below ), has violated my rights. 

15 U.S.C 1681 section 602A. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
Company: Experian Information Solutions 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:
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 explanation
Consumer complaint received 2022-05-31
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Dont remember everything, just know de person was very rude and nasty 2 me on my cell phone of me get properties taking away and needs be in court if not i will be sued lawsuit against me_ LVNV Funding LLCXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to keep come current on my mortage. 
Had conversations here and there where representives told me all along that as long as i was making payments and not over 240 days late i should be fine. 
Had been making my payments up until XX/XX/2019 when my mortage servicer advised all past due payment had to be made in full. I wad asked by represententive ro borrow the money and pay past due amount and get it over with. Something to which i beleive is so unprofessional. 
Later receiving a letter where mortage servicer is in bankruptcy. 
Making me wonder if this is a reason why my petittion for a loan modification is not being handled the proper way. 
And later receiving a letter with a new acct # from original acct. 
Asked for loan modification to my mortage servicer. Which i just kept getting letters requesting same missing information. Never received a denial, only application to submit or missing information letter. 

After they referred loan to forclosure. 

With no progress on loan modification requested. which lead me to hire a loan advisor to help with loan modification. 
On or about XX/XX/2019 an other loan modification paper work was sent through loan advisor. On or about XX/XX/2019 loan advisor called on a 3 way call to verify on documentation sent. And was advised that no modification paper work was received. To which loan servicer resent. 
On or about loan advisor called me to mention that we have a 3 month trial period before final modification. 
Yet We since have received same letter requesting missing information, which is sent every time requested. 

Im now here with a letter that has a sale date on my property. 

I am being honest explained at the time reason of hardship via letter attached on modification paper work and phone with repprisentives. I have also explaines hardship is now over since XXXX and was ready to come current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). I further attest that I am authorized to pursue this disagreement under both federal and state law. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. These false remarks are also illegal according to 18 USC 1621. There are items in my credit report that have nothing to do with transactions I've ever completed. I claim that someone or some organization utilized my personal identifying information without my consent to apply for goods, services, or money. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. These businesses are breaking the law by doing these aggressive inquiries and adding these unauthorized accounts to my credit report. This has brought about a great deal of unneeded stress and anguish. I did not authorize these accounts or hard inquiries, and they are not mine. Please look into it and promptly remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: IL
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:
UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Commercial Recovery Systems
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
two messages about a check written from previous bank from 2017. He then threatened to file bad check in XXXX XXXX court. Then called back 3 minutes later claiming he just talked to the XXXX County XXXX and was told that he legally had to contact my employer of my school district to report I commited a crime. He has now contacted my family telling them all I committed a crime and would be going to jail. Have never had any communication in regards to any debt or bad check from 2017.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-05
Company: Security National Financial Corp
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get access to a verification of mortgage document for the past XXXX weeks, since I am trying to refinance my home. Every time I call to inquire over at Security National Mortgage Company. I always get a different message. That it takes several days. Later on, that the request was never entered into the system properly. Later on, that I need authorization to be able to access these types of documents. Finally when I tried speaking with a supervisor, on several occasions I have been placed on long wait times, to later be hung up on. My second to last call lasted close to an hour and nothing was done. Moreover, prior to this, it took a whole month to get a payoff letter. It has been a nightmare trying to get any sort of assistance and or documentation related to my loan. Sadly, I missed my deadline for document submission to prove my loan was in good standing, and my refinance was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: IL
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 was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX & XXXX, we had applied for several loan modifications, and had been denied many times for different reasons. We fell behind on our mortgage, to no fault of our own ( have documentation of US Bank admitting fault ). As we waited for approximately XXXX year to resolve our or be accepted for modification, we kept in communication with US Bank and were told that we would be fine and they would not put us in foreclosure as long as we were complying with giving the information that they were asking for. 
On XX/XX/XXXX our home was put up for sale. We had continued to keep open communication with US Bank, only to find out they had put our home up for sale. 
At the time, we had XXXX of our XXXX children still living at home, and were scared of losing our home. 
We contacted the Minnesota Attorney General 's Office for help. We were given a mediator, XXXX XXXX XXXX XXXX. XXXX XXXX was able to communicate with US Bank on our behalf, and he stopped the sale of our home. 
In XXXX of XXXX, US Bank found us a modification. 
Our XXXX yr mortgage___ {$110000.00} New Principal______XXXX {$130000.00} New Money _________ {$12000.00} ( with no explanation or breakdown ) We were in duress .... scared of losing our home and having nowhere to go with our family... so we signed. We couldn't afford to pay the arears that were due, let alone, take this paperwork to an attorney to look it over, so we signed so we would have a home for our family.

Just recently, we had gone to refinance or sell our home, and discovered that not only did US Bank add 16 years onto our mortgag
e but also added a clause in the documentation, that we are unable to sell our home without US Bank 's prior written consent. 
I know that there are quite some years that have past, and we're sorry we didn't pay more attention to the new modification at the time, but as I said before... we had no home for our family if we didn't sign the paperwork. 
We also had no reason to look at it again because we have been able to keep up on our mortgage payments ... All of this was traumatic to us and our family and did not want to relive those years. 
We have reached out to Minnesota Attorney General 's Office again on XXXX XXXX, XXXX and was able to ask XXXX XXXX XXXX XXXX if there is anything we can do. 
We understand that time is not on our side... but we were pressured and under duress when we signed. 
Can you help us please? 
XXXX XXXX and 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 2021-12-09
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: Investigation took more than 30 days

Complaint:
I was XXXX due to XXXX  from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the XXXX day late deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint will prove yet again, Wells Fargo home mortgage company, is still breaking the law. Im able to show you that, XXXX title company and XXXX XXXX are affiliates of Wells Fargo home mortgage. As stated on the Good faith estimate Providers of service page. In fact it plainly states, Wells Fargo have repeatedly required borrowers to use these providers in the last year. Proving that Wells Fargo has and is continuing to lie manipulate and defraud us as consumers! The fact that its in black and white and a response from Wells Fargo, more lies, refusing to admit their guilt, which they have been fined and avoided prosecution from the SEC, for their actions during the subprime mortgage lending period, when Wells Fargo decided no laws applied to them. They have ruined millions of American consumers with their continued illegal actions preventing consumers from being able to be compensated. Wells Fargo continues to lie and defraud. The responses we have received alone proves their continued illegal activities and actions. 
When and what will finally be enough proof? Im attaching the original Wells Fargo loan documents for the proof of their continued lies and their fraudulent actions and activities.

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 2023-09-22
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief