BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Colony Brands, Inc.
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have tried numerous of times for the last XXXX years contacting these companies to no avail. I now has opened up another claim with the ( FTC ) Federal trade commission my report number is... XXXX I put it in on XX/XX/2023. I have a representative helping me at XXXX. His name is XXXX ... .his information will be listed down below. I also contacted each of the companies that are in question to no avail. EVERYTIME I call their company they either hang up on me or say... .JUST PAY THE BILL. THESE STORE CARDS WERE OPENED FRAUDULENTLY WITHOUT MY KNOWLEDGE. I HAVE BEEN CALLING THESE COMPANIES FOR OVER 2 YEARS NOW, THAT IS WHY I AM OPENING A NEW CLAIM SINCE I HAVE SOMEONE HELPING ME NOW. I CAN'T GET ANY HOUSING OR NOTHING, AND I AM HOMELESS RIGHT NOW. HERE ARE THE COMPANIES THAT ARE INVOLVED. 
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 explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
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 3 credit bureaus to delete these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-11
Company: MOUNTAIN WEST FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get my escrow account corrected for the last 3 months. I am beyond frustrated with Mountain West Financial. They are saying my escrow account is negative {$10000.00} and that is impossible. When I called them I was able to see that they paid my supplemental taxes and they were supposed to refund me the error in payment so I can correct it and this is still ongoing and now my payment has gone up from XXXX, down to XXXX and is not at XXXX No one can tell me why this is happening and today was the last straw as their servicing department hung up on me. I don't feel that it is fair that their poor accounting has rendered my escrow account to be negative and is now increasing my payment by over {$1000.00}. I can not afford an additional {$1000.00} a month and this could possible affect my ability to make my payments and could result in me losing my home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection letter by USPS from Sunrise Credit Services for {$220.00} referencing XXXX XXXX XXXX XXXX, claiming a balance past due. I have not contacted Sunrise Credit Services. I closed the referenced account 1 year ago.

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 2023-07-06
Company: EGL US, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2023, I signed a consumer credit contract with BMG LOANS AT WORK. The signing of the contract means that it was endorsed. This contract is subject to the Truth IN Lending Act. This contract has false and misleading statements that violate the CFPB RULES and U.S Codes. 

BMG required that I set up preauthorized electronic funds transfers as a condition for an extension of credit. This requirement violated 15 USC 1693, compulsory use of electronic fund transfers. This requirement was false and misleading and has caused me great harm. 

On XX/XX/2023, I mailed off a billing error according to 15 USC 1666. BMG has failed to respond to the billing error as required by law but continues to attempt to collect alleged debt violating 15 USC 1666a. 

BMG threatens to send late payment to credit reporting agencies, although they have not sent the required disclosures under 15 USC 1666b, timing of payments. Section 1637b of title 15 has over 11 requirements to be disclosed in connection to a payment and I have not received one. Without such disclosures no payment should be treated as late, and to communicate such misleading information is a violation of 15 USC 1692e. 

BMG LOANS AT WORK is stating that there is a positive balance on the account. 15 USC 1666d explains how treatment of credit balances should be handled in a consumer credit transaction. BMG LOANS AT WORK is requiring that I pay the balance although the law states otherwise. Demanding I pay the positive credit balances is false and misleading practice BMG LOANS AT WORK has given false and inaccurate information and failed to provide information which creditor is required to disclose and is criminally liable under 15 U.S, C 1611 and failing to meet the requirements hold the creditor civilly liable under 15 U.S.C 1640

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A family member sent me a copy of a debt from a deceased parent. 
Was told over a year ago we were not responsible for the debt. 
Stop us from being bothered by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit 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:
Payment Dispute : XXXX ( Wells Fargo ) card claimed we did not make a payment for XXXX statement. Enclosed is a letter from XXXX XXXX XXXX XXXX stating that the payment was made. 
I am enclosing a copy of our Bank statement for XXXX showing the withdrawal on XX/XX/2023 ( highlighted ) in the amount of {$3800.00}. 

CASE # : XXXX XXXX XXXX is the XXXX account holder. XXXX XXXX is also on the account and our Card number ends in 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 2023-11-24
Company: LEXISNEXIS
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My identity was stolen and I can't get any help to fix this ... all my credit is jacked up I can't open anythng because so much was done. Plus the data breach on XXXX and my stuff is not good. It should be open and shut case. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX XXXX any and. All accounts opened nduring that time were fraud and there was alot of that and inquires. How no one would notice and freeze my credit based on how the credit was being used. Anyway I come to this and I canf even open a account for XXXX. And if I try to open anything it goes bad to worse because all the Bs from the fraud me adding a inquiry just doesnt help. Anyway the police report on file is by la XXXX XXXX. XXXX XXXX case # XXXX. I've told the credit bureaus all this and nothing. They " investigate and come to the conclusion that I did open. The accounts ....!!! Shaking my head. How??. Please help. It's hard as it is XXXX XXXX XXXX XXXX XX/XX/1986. XXXX XXXX XXXX XXXX. # XXXX XXXX CA XXXX. XXXX XXXX XXXX. XXXX ) XXXX. Current info. Please update please indemnification is needed in store and so I can live. 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 non-monetary relief
Consumer complaint received 2023-11-10
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your time to correct some of the erroneous items in my credit file ; however, there are still many items that need to be corrected and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-25
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was on a forbearance plan due to Hurricane Irma from XX/XX/XXXX to XX/XX/XXXX, I had {$30000.00} worth of damage to my home. I was placed on the plan by XXXX and was told that they would not report me to the credit bureaus. XXXX   sold my account to Specialized Loan Services XX/XX/XXXX, at the end of my forbearance plan, XX/XX/XXXX, SLS reported me 6 mths delinquent. SLS put me on a 3 month payment plan, loan modification for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently ran my credit and they have reported that I have been delinquent for those 3 months even though they set up automatic payments to remove them directly from my bank accounts, which the payments were removed before the XXXX of each of those months per my bank statements. When I contacted SLS to ask if they received those payments during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they stated yes, but those were applied to the previous months that I was on the forbearance plan. I asked how that is possible when they told me those 6 mths I was on the plan were put on to the end of my account, they could not answer me and told me that is just how it works. I closed on this house on XX/XX/XXXX, which SLS said that they are aware of, but am unable to get approved by any other lender due to how SLS is reporting my information to the Credit Bureaus. Any assistance that you can provide would be greatly appreciated.

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 2023-11-22
Company: ALLIANT CREDIT UNION
State: IL
Product: Credit 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:
I initiated the following disputes that have not been processed within the required 90-day period. It also appears that Alliant has been collecting payment for items in dispute, against FTC rules. 

XX/XX/XXXX  {$230.00} XX/XX/XXXX  {$140.00} XX/XX/XXXX  {$4.00} XX/XX/XXXX  {$30.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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 explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2021-01-07
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Im reporting this to CFPB because this bill from RMP SRVC LLC for the amount of {$2500.00} was paid by XXXX XXXX XXXX XXXX. This account was opened around XX/XX/2020. Ive disputed this 2 times already and it looks like both times I havent gotten the point across. I called my health insurance company multiple times and Ive been told multiple times to not pay them and to not give them the XXXX because it has already been paid and if I pay them then theyll get it twice. If the insurance already paid this medical fee then why would they tell me if its not paid it will go to a collection agency. This makes no sense to me and why it would hit my credit report if its already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: MN
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my creditreport in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but Inever received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legalaction against them. Please follow the law so that this matter can be resolved as soon as possible.XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Owed : {$3000.00} ; XXXX XXXX Owed XXXX {$7200.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation