BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian, XXXX, and XXXX have reported incorrect and misleading information on my credit report. I am a victim of identity theft and these accounts do not belong to me from the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative 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. Payment is legal tender for public and private debts. 15 USC 1681 c2a

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred to a new mortgage lender known as Carrington Mortgage. Ever since this transfer Carrington Mortgage has been receiving my regular monthly mortgage payments and has refused to apply the additional funds sent with these mortgage payments to my escrow account. I have sent multiple requests made multiple phone calls and yet the company refuses to apply the funds accurately and correctly. Diring this month alone I currently have {$310.00} sitting in a suspended in a account in which I am unable to have moved over to my escrow account. My payment is due on the XXXX of each month but I have until the XXXX to complete the full payment for the current month. Upon making these requests I had to had to reach out several times to make numerous complaints about these additional funds I sent not being moved to my escrow account. I advised my current lender that I am not late on my mortgage payment and therefore have the right to have the funds in which were submitted to them, applied accurately and correctly. This is been an ongoing battle with our to my mortgage account. I was provided misleading and inaccurate information multiplte time and I believe this company is violating my rights underneath the Real Estate Practices Act.  In addition to the mismanaged of funds, when I asked for a comprehensive breakdown of my payments ; a detailed loan history as to where my funds were being applied and where they were being held, along with what my regular monthly mortgage payment was I kept getting misleading and inaccurate information Everytime. I've complained to Carrington Mortgage that my current mortgage statements are not matching the application of my payment throughout the online portal in which they provide as the payment history is showing unclear payments and different amounts than what's being submitted. I am extremely concerned as I believe Carrington Mortgage is inaccurately and illegally misapplying funds with an intent to manipulate these funds to embezzle money. This company should not be allowed to conduct business as a mortgage servicer until they can ensure consumers are provided accurate and complete payment records. Please investigate this issue further as I believe as a homeowner I shouldn't have to fight my mortgage provider for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2100.00}

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 non-monetary relief
Consumer complaint received 2022-05-14
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: Information belongs to someone else

Complaint:
Equifax has placed my brother 's XXXX XXXX XXXX XXXX loan account under MyEquifax account. I have never applied for a loan nor have I applied for any line of credit. My brother 's XXXX XXXX XXXX loan account is dated for XX/XX/2020. It is a paid and closed account. The amount was {$3500.00} His loan account details need to be separated from. 
Equifax also has our information crossed. My brother and I have tried to get Equifax to resolve these issues, and we are having a hard time getting them to understand that we are two different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have been speaking to different representatives for over a month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I even have duplicate inquires on my report from where a creditor ran my credit twice within one month and a creditor is only supposed to be able to run your credit only once within a single month. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed. Today on XX/XX/2018 was the last time i contacted them and spoke to a person named XXXX who is a XXXX handler.

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 2022-11-29
Company: ALLY FINANCIAL 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 was pre approved, approved, for XXXX  vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.

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 2023-06-01
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:
I have provided documentation to XXXX XXXX XXXX and to the three credit bureaus regarding the inaccurate information contained on my credit file. I have disputed the credit information numerous times as well as calling XXXX XXXX XXXX several times- all to no avail. Even with documentation showing the information listed on my credit report is incorrect, the information remains uncorrected. 

Again, Im disputing the following inaccurate information listed on my credit report. Below are the facts and documentation to support why my credit file should be corrected. 
XXXX XXXX XXXX I. Explanation. 
XX/XX/XXXX, I filed XXXX XXXXXXXX XXXX, case # XXXX. 
The plan was confirmed on XX/XX/XXXX. 
I completed the case on XX/XX/XXXX. 
All checks distributed by the trustee cleared the bank See Attached Documentation. 
XXXX XXXX XXXX was approved and was classified as a Secured creditor. They claimed {$22000.00}, which was allowed, and they also received XXXX in interest payments. The total amount paid to XXXX XXXX XXXX was {XXXX. See Attached Documentation. 
I completed all required payments to XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX separately mailed XXXX letters. The first letter stated that there were no liens or encumbrances on the vehicle, and I was able to obtain my car title from the XXXX  XXXX. See Attached Documentation. 
I obtained a clear title from the XXXX  XXXX on XX/XX/XXXX. Title Attached On my credit report, XXXX XXXX XXXX list that the original balance on the car was XXXX and as of XX/XX/XXXX, the company charged off {XXXX} and written off {XXXX past due. 
This information is not accurate based on the courts documentation. 
According to the XXXX XXXXXXXX Standing Trustees Final Report and Account, I paid {$22000.00} and XXXX in interest for a total of {XXXX}. See Attached Documentation As of XX/XX/XXXX, XXXX XXXXXXXX Financing now states I owe XXXX 

II. Update/correct/remove Information.

I request that the current information contained on my credit file be updated/removed/corrected based on the documentation that I have included. 
My credit record should reflect that I paid a total of {XXXX} through the XXXX XXXX XXXX  XXXX plan. 
XXXX. Copy of the Portion of my Credit Report in Question Copy of the XXXX XXXXXXXX XXXX  page from my credit report. 
The XXXX  XXXX Standing Trustees Final Report and Account ; what XXXX  XXXXXXXX XXXX claimed and was paid.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In researching XXXX 's notifications of late payments, I have made numerous complaints regarding XXXX XXXX XXXXXXXX charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have no knowledge of this account, XXXX XXXX XXXX XXXX., ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 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 2022-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was called by Capital One for a fraud alert, asking if I tried to open up a credit card. I currently use Capital One for Checking And Savings Accounts. I informed them that I was not and to cancel the account and I proceeded to freeze my credit with all 3 credit bureaus.I noticed there was a hard inquiry on my credit report. I was instructed by Capital One to dispute the Hard Inquiry. After I disputed it, I was informed that Capital One stated that it was factual. I want the Hard Inquiry removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
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 disputed these accounts on [ XX/XX/2022 ], Experian recieved the complaint on XXXXthe date of last activity shows 3 different dates even after your investigation. delete this account for FCRA non-compliance of inaccurate data being furnished on the consumer report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed it 36 days ago and the required notice of dispute is missing. That indicates that there was not a proper investigation. Delete these account for failure to perform investigation per fcra regulations. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ive attached my XX/XX/2022 credit report and appropriate documents to back up my complaint.

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 2023-06-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had four accounts with Union Bank, which as of a week or so ago was absorbed by US Bank. US Bank appears to have successfully transitioned my two personal checking accounts. But something went wrong with my business checking and business savings accounts. While I can deposit money into and write checks on at least the business checking account, US Bank is telling me that I can not access the business checking account via US Bank 's website because of some problem during the transition. ( There may be a similar problem with my business savings account. ) Then they said I'd need to go to a US Bank branch to resolve the issue. Except the US Bank branch nearest me ( which used to be a Union Bank branch ) has no availability in XXXX or XXXX, according to US Bank 's website. When I asked for a supervisor, I was routed to a voicemail.

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 2021-09-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never been to this place! I have insurance and when contacting the company was told my middle initial was a XXXX! It is not! Also contacted XXXX  and told I couldnt remove said name because it was tied to a collection! I do not have a D in my name! This is affecting my credit! Also violating HIPAA rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Following the XXXX breach, I permanently froze my credit at each credit reporting agency and stored the PINs in my password manager for safe keeping. Each time I need a credit check performed, I go through the unfreeze process by providing my PIN and any verification information requested and set a temporary lift on my credit. This process was working perfectly up until about 2 months ago when I attempted to lift my freeze at Experian and they rejected my PIN and requested I mail them my verification documents. I requested my credit report from the 3 bureaus to see if there was any incorrect information that would cause my request to be denied and again all other bureaus honored my request, except Experian. I went ahead and mailed them the requested documents, first on XXXX XXXX, 2019 and when I didn't get a response I sent them again on XXXX XXXX, 2019. I still have not received a response from Experian and I am still locked out of my credit report with them which is preventing me from being able to open a new bank account as the credit union I would like to join only uses Experian for their credit checks. I am not having this issue with XXXX or XXXX at this time, Experian is the only one who claims my information is incorrect and refuses to provide me with the information I need to get this fixed.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: CT
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this XXXX credit card. My company is a non profit and My business office closed due to the XXXX! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from XXXX by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a XXXX regarding the XXXX XXXX late payment. The account closure email is what alerted me. XXXX never emailed regarding late or missed payments.

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 2023-06-22
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:
This is my attempt to get this matter resolved. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. 3 credit bureaus have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed accounts that are reporting to my credit file held with the 3 credit bureaus. These accounts were opened negatively. I informed them of the issue & provide them with the required documents to correct the accounts via FCRA Section 605b. They have failed to correct the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts to be corrected from my report ASAP. I want you to correct the following accounts immediately : XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00}.

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