BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX broke several of laws reporting a collection on my credit report did not notify me before reporting., violated my Hippo rights and there things they should not know about my medical records..I didnt give written permission to put anything on my credit report and demand removal I have a call log of all the calls I tried to reach out to this company to talk to a supervisor I ask 9 times I havent got a call back and they hung up on me I left several messages no return calls this is my credit report my life there has damage Finacial I just close on a house and this cause me to pay XXXX more because this collection that was done with improper protocol.. collection debt is {$3900.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Trans Union is reporting inaccurate information on my consumer report. 

FCRA Violation 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-09-27
Company: The Bureaus, 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: Reporting company used your report improperly

Complaint:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. The Bureaus , Inc. violated 15 USC 1692c ( b ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 usc 1681a ( 2 ) ( i ), and 15 usc 1681a ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have an account that I can't locate on my report being reported as late within the last year. I've checked my accounts over and over and none reflect this late payment that is hindering me from purchasing my home. When my lender pulls my report, Transunion is stating the date of my last late payment was XX/XX/XXXX ( no account reflects this ) .XXXX is reporting my last late payment was XX/XX/XXXX ( no account reflects this ) I haven't had any late payments so my payment history should be reported accurately or the account that was supposedly late should reflect that so I can dispute it.

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 2018-12-10
Company: V and H Portfolio
State: NC
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:
was called from a collection agency in Mississippi about a furniture purchase from XXXX told them iknew nothing about this they had absolutely no information about it tried to work with them and gave them all my inf o next thing I was reported to credit beauro I disputed this and was removed approx. 1-2 mons later was transferred to XXXX XXXX andthey reported me and it started all over again tried to dispute again and nothing happened 0n initial phone callthey didn't have any info other than a name no address no social said no initial payment no phone they didn't even know where so called bedroom suit was deliveredtold them we recently XXXX mattress and boxspring and don't put in on a XXXX XXXX XXXX XXXXXXXX isee all kinds of complaints about this outfit something needs to be done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
BMO Mortgage account Wanted to cancel my escrow account to lower my monthly payment from last 2 months.

I checked with my loan officer that it can be done. Loan officer verified it.

It has been 2+ months since i made this request but no action has been taken by BMO. I would like top request you to please ask BMO to cancel my escrow and refund my escrow deposit as soon as possible. As it has
been already ~3 months.

This is worst customer experience so far. As they are not giving my money back.

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 monetary relief
Consumer complaint received 2023-07-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, To whom this may concern I never had sprint service and I have {$1700.00} dollars owed to ( enhanced recovery company ) it was opened XX/XX/2021. 
Im lost please I need help to resolve this its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Time payment is reporting me late. I never was late I believe its the credit bureau I made time payment on time forever. please fix this This is illegal

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 2021-09-27
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have two mortgages on our house, both originated when we got our house. Both my husband and I had not great credit at the time, now have mid 600 's for a credit score. The larger mortgage is a 30-year mortgage, with an interest rate of 6.9 %, the other is an interest-only loan with an interest rate of 11.49 % that we didn't realize had a balloon/final payment after 15 years. Both mortgages originated with XXXX, then were transferred to Ocwen, and we now have PHH. We have tried a couple of times to refinance our house but because of the horrible interest rates, we can never get far enough ahead for anyone to consider us. 

We have consistently paid 15 years on the smaller mortgage, paying in {$63000.00} on a loan that was originally {$30000.00}. The most recent payoff total for this loan is {$30000.00}, which means we have fallen behind {$210.00} after making 15 year 's worth of payments. I sent a message twice to PHH asking what our options are if we can't make this balloon payment, and both times I didn't receive an answer.

On the larger loan which was originally {$130000.00}, we have paid in over {$250000.00} and the approximate balance is {$120000.00}. So between the two loans we have paid in over {$300000.00} in just 15 years for an original amount of {$160000.00} between the
two mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to ask for help with my lender but my lender said there is no available option for me to save my home. I even asked FHA Covid Partial Claim and even said I am not also eligible for it. Tried submitting an application for loss mitigation and they also denied me. It seems that my lender does not want to help me at all and want to push foreclosing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the XXXX of XXXX, I received a letter from the XXXX XXXX XXXX XXXX   claiming to represent a company called XXXX XXXX. My only connection with this company was XX/XX/2017 when I paid them a security deposit of {$170.00} as required by the " XXXX on XXXX '' apartment complex for the apartment XXXX on XXXX XXXX XXXX. I fullfilled my one year lease and terminated it my lease directly after the end of the year. I was already in living in Maryland and received a call from the XXXX on XXXX manager about submitting my proof of lease insurance. I verified with them that I was no longer a resident of the property and turned in keys and fobs to the management. They said they were going to correct their files and apologized for their error. 

Now in XXXX, I am receiving this notice out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Affirm Holdings, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased items with Affirm totaling {$940.00} and put a down payment of {$280.00} on the purchase. 

My first payment came due XX/XX/2023. 

I am experiencing some financial trouble right now and have been unable to pay. I have not answered any calls and the calls have become repetitive from several different numbers to the point where it is harassment.

Over the span of 7 days I have received 8 or more calls. Please be advised creditors who contact or attempt to contact an individual more than 7 times within a 7 day period are presumed to be in violation of the FCRPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX  and XXXX  of XXXX, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX  Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this companythis account as of today. 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 explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: AR
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:
This is my fourth 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items needs to be removed : XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX  : {$460.00} ; XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$3200.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX {$460.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$3200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$3200.00} ; XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
This is a part of an ongoing issue with this company. Today, I received a letter in the mail from XXXX XXXX, dated XX/XX/2023, that states as a part of the " Equal Credit Opportunity Act '' that an appraisal may be ordered to determine my property 's value as a part of the " loss mitigation '' process and I will be charged for this appraisal. ( See letter attached ) However, I never authorized this company to process a loss mitigation of anything, nor did I approve my credit to be ran, or an appraisal to be ordered. I have turned in several reports regarding the illegal practices of this company, yet, this company continues to ignore federal legislature, underwrite according to their own guidelines completely negating federal legislature along with XXXX XXXX and XXXX XXXX guidelines. 

I have another complaint currently open with regards to them not handling my loan according to federal guidelines pertaining to the CARES act for COVID forbearance ( see complaint # XXXX, submitted XX/XX/2023 ) and am under the assumption that this letter may be a continuance from this company refusing to defer ( tack on to the back of my loan ) my COVID forbearance amount. However, this letter indicates " recent document submission '' and I have submitted nothing to this company other than the filed complaint with them that I also lodged with CFBP ( referred to above ). 

There should be no credit being pulled, and no appraisal being ordered, as a loss mitigation request was never submitted nor authorized by me. I will not be ordered to pay for an appraisal as that is NOT required according to CFPB guidelines for the CARES act, nor should my credit have been pulled for any reason. I am NOT modifying this mortgage, refinancing this mortgage, or accepting any kind of loss mitigation practice to be applied to this mortgage, as that is NOT a requirement of the CARES legislature. 

Please provide confirmation that this letter was sent in error : credit was not pulled, appraisal was not ordered, etc. Any pulls should be removed from my credit report and any appraisal that may have been ordered will fall as an expense to this company, as I did not authorize any of these methods nor are they required per the CARES act. I am exhausted with the back and forth with this company regarding their refusal to follow federal legislature regarding the COVID CARES act. 

I can only imagine how many other borrowers are dealing with, have dealt with, or have just accepted their non-sense and tyranny regarding improper handling and underwriting of loans. If XXXX can not follow the guidelines set forth by feds, XXXX, and XXXX, their license to give loans, service loans, etc., should truly be revoked. No one should have to continuously deal with this kind of madness on a consistent basis like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am contacting you to request the deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that you promptly and immediately delete and remove these accounts and information from my consumer report, as their presence on the report violates multiple laws. Please take immediate action to remove these accounts and information without delay.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accounts showing charge off but I have received a1099c so that means it should not be reporting on my report as a charge off if one has to claim it as personal income on ones taxes Transunion is the worst agency ever placing things on my account that are not authorized like fraud alerts if it is not removed immediately the next step would be litigation the gaps in reporting on payment data just shows a dash their reporting practices and methods are very unprofessional nothing ever gets resolved contacting them so the complaint will not only go to cfpb also the attorney general in that state and tigta as well.

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