BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this email finds you in good health. I am writing to express my deep distress regarding an ongoing issue with inaccuracies on my credit report, despite assurances and supposed resolution. 

I initially filed a complaint with the CFPB on XX/XX/, raising concerns about inaccurate accounts on my credit report. Following my complaint, the company responded to the CFPB on XX/XX/, acknowledging the inaccuracies and assuring a thorough investigation. They claimed to have removed the inaccuracies promptly. 

However, to my dismay, when I checked my credit report on XXXX XXXX XXXX, the previously identified inaccurate accounts were still reporting. In response to this, I wrote a certified letter on the same day, enclosing copies of all relevant documentation, including the company 's response to the CFPB and my credit report highlighting the persistent inaccuracies. 

In my letter, I emphasized the provisions of 15 USC 1681A ( w ), wherein the company accepted responsibility for the inaccurate accounts, claimed to have conducted a thorough investigation, and assured the removal of said accounts. The continued reporting of these inaccuracies is a clear violation of my rights, and I find myself deeply troubled by the apparent lack of resolution despite the company 's assurances. 

As further evidence of the current state of my credit report, I have attached a copy of my credit report from XX/XX/, which shows that the inaccuracies persist despite the company 's supposed corrective actions. 

I am reaching out to you in the hope that you can intervene on my behalf and facilitate a swift resolution to this matter. The persistence of inaccurate reporting is not only a violation of the company 's commitment but also a continued infringement on my rights as a consumer. 

Your prompt attention to this matter is greatly appreciated, and I am hopeful that your involvement will lead to a conclusive resolution and the removal of these inaccuracies from my credit report. 

Thank you for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
Experian only calls the company a debit is with. I am entitled to a full investigation, not just with company, they just get ahold off company take their word and call this verified.

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 2022-07-26
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt collector is attempting to collect potentially fraudulent account despite several disputes and demands for documentation indicating proper ownership. Copies of disputes and proof of identity were sent to debt collector. They refuse to conduct a proper dispute and continue to report account to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2011 I mediated a credit card debt to XXXX and paid it in full. I am about to sell my house and was notified of a lien against my house as a result of " non payment. '' I have searched everywhere for a cancelled check, called XXXX XXXX XXXX to see if they could provide proof, to no avail. When I went on the Government website for XXXX XXXX in Georgia, I found the case number ( XXXX ) and it was listed as XXXX  XXXX Bank vs. XXXX XXXX. The case was closed. Clearly, I paid the debt, but XXXX XXXX XXXX, Cooling and Winter will not release the lien. My house closes on XX/XX/XXXX. What do I do? 
Thank you, 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 2020-10-14
Company: ALLY FINANCIAL 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:
Good afternoon, The company that I am having an issue with is Ally Finacial on. Ally financial stated that they have verified this account on XX/XX/2020, but they have never verified this account with me. Also, this account is showing as a charge off and closed but it is showing my payment frequency as monthly. I have sent a request to Ally Financial on XX/XX/2020 to send something to me to show that this is my debt. However, they have not sent me anything.

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 2023-07-20
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email stating that the phone number associated with my new Chime account had been changed. I do not have a Chime account, nor did I apply for one. The phone number is XXXX XXXX XXXX. This number belongs to HHS OIG. 

I have called Chime and they immediately closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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:
My complaint is against Experian XXXX XXXX XXXX Score for auto, do not show the four auto loans that I have paid off. Current I am seeking to purchase a vehicle and when the deals run the XXXX XXXX score, it doesn't show the vehicle have been paid off and cause me to have a low XXXX XXXX score and not able to purchase a vehicle. 

XXXX XXXX XXXX XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$9000.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$15000.00} Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$11000.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX CRED Balance details Balance on XX/XX/XXXX - Original balance {$2500.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan

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 2022-12-21
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2018-04-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX foreclosed on a mortgage that was paid ahead. XXXX agreed to restore and breached the agreement. 

An Underwriter by the name of XXXX XXXX obtained a modification approval on XX/XX/XXXX, using " reverse engineered '' income and property value information. 

XXXX XXXX claimed he verified an appraisal that indicated a FMV of {$160000.00} when he had no appraisal. Bayview loan servicing admitted they had no appraisal from XXXX to the Indiana Attorney General in XXXX. 

The records of payments made showed no payment to any vendor for an appraisal. 

At trial Bayview 's expert testified that the value of the property was immaterial. He claimed that XXXX XXXX loans more money on rental property than it is worth all the time. 

An FHA approved appraisal done in the relevant time frame shows a FMV of {$100000.00}. In addition Bayview admitted to the Indiana Attorney General in XXXX they received no HUD-1 from XXXX. 

At trial Bayview 's witness by the last name of XXXX testified the Defendants we not entitled to disclosure. ( HUD-1 ) He claimed that when 1 of the Defendants signed the original XXXX XXXX Mortgage in XXXX, he waived his rights to disclosure. 

Bayview was fully aware that the prior servicer paid the Defendants Law Firm without disclosure and provided no disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NC
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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2022-12-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$11.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX Account Number : XXXX 90 days late in XXXX XXXX, 120 days XX/XX/XXXX, XXXX XXXX 150 days late in XXXX XXXX, 90 days late in XXXX XXXX 120 days XXXX XXXX 150 days in XXXX XXXX 180 days in XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX  Account Number : XXXX days late in XXXX XXXX  120 days XX/XX/XXXX, XXXX XXXX 150 days late in XXXX XXXX 90 days late in XXXX XXXX  120 days XXXX XXXX  150 days in XXXX XXXX  180 days in XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2021-10-08
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a PMI cancellation with Flagstar bank from most likely having 80 % LTV ratio due to the large appreciation value in properties in CA. i followed all the rquirements by Flagstar bank including submitting the PMI waiver form. However, flagstar refuses to listen to my request or carry out an appraisal sighting a " seasonal requirement '' of 24 months before i can make that request. I have only had the home since XX/XX/2020 and they will not fulfill the request due to this 24 month seasonal requirement. However, as stated on your website, " XXXX XXXX and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides. But these guidelines can not restrict the rights that the Home Protection Act provides to borrowers ''

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 2023-11-15
Company: CORELOGIC INC
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I learn by reviewing XXXX XXXX credit report that a company called XXXX has checked my credit 3 times in 3 years, this is not a normal procedure, a company does not check your credit every year, this is fraud. I never ask them to check my credit but one time and that was in XXXX not XXXX and XXXX. 

They checked my credit on XXXX XXXX and again on XXXX XXXX, I did not ask for credit in these XXXX years. Yes I have and account with them but that was taken out in XXXX. Sense that time they have checked my credit XXXX additional times for no reason and without prior permission from me. I am a victim of identity theft and I don't appreciate them ruining my credit for me. They are ruining my credit. 

This is not a normal procedure for companies to keep checking your credit every year when you have not applied for any credit from them. I have a block/freeze plus additional blocks on all three credit reports, Someone is not doing their job to block these companies from checking my credit. I was told to add additional blocks on my credit just for that purpose. 

This extra security has not stopped XXXX from checking my credit, some way they hacked into the credit reporting system and stole my credit report, this is fraud and they have to be stopped before someone is hurt by their negligence. I do not appreciate this by no means. How many other consumers has they ruined? They are out to ruin me for life if they don't stop now. This is identity theft and fraud. Stop the fraud of my credit. This is simply fraud. There is a statement on all credit reports that companies need to contact me before they check my credit, they disobeyed the law by not contacting me first. When there is a statement on someone's credit report they need to abide by that rule. 

Stop checking my credit report. I did not give them my permission to do this. This is all fraud. I did not ask them to check my credit in those two years, they cracked open the credit system to check my credit, A stolen credit report. I did not ask for credit from them in the pass two years but they still checked my credit without prior permission. I do not want XXXX or any other company checking my credit without my permission. I didn't give it. They had no right, No company does this.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: MO
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:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!! 
Under. 15 U.S. Code 1681b-permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( XXXX ) In the accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2022-03-30
Company: EQUIFAX, 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:
Inquiries/ Date : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX In according to FCRA ( XXXX ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 
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 consent.

Company response to consumer: Closed with explanation