BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: LA
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:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting negative information from XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

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 2023-10-26
Company: DHI Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
Th DHI Mortgage company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is working diligently to deny me a {$200000.00} home loan which doesnt make sense. They have been requesting me to provide them with original loan notes of a property that I am NOT a mortgage holder and my credit report reflects this information. The company seems to be working with the builder XXXX XXXX XXXX  ) who all seem to be part of the same scam ( they are the builders/ they have the escrow company/ they have the insurance company/ they are the mortgage brokers/ they are title company/they are smart home installation, etc. ) making money off the consumer and then try to not approve the mortgage so they consumer loses all their payments and purchases. I am a highly qualified individual with an impeccable financial records. They are discriminating against me as a woman, and as a honest individual. They have asked for so many documents and as i produce they want more. There is a sense of mistrust because they are scammers and feel everyone is like them. This company has gotten big and rich by scammers hard working class individuals like myself and feel if I am a woman then I am stupid. 

Please look into these peoples scam and shut them down. Thank you. 

See the attached conditional approval : XXXX note to be provided. I am NOT a mortgage holder on this property. I have provided them with loan statement showing that my name is not on it. I have signed an affidavit and yet they still are asking for the same thing. I dont have access to such document. The lender for this property will NOT even talk to me. Please help these people understand!! They are scammers get them out of the business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE XXXX  XXXX  XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2023-08-23
Company: Experian Information Solutions Inc.
State: PA
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 tried to contact creditors 6 months ago and no response. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-05-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have over 200 Inquiry on my credit report with Equifax, so I called them and spoke with a supervisor by the name XXXX, and he put in the dispute for the Inquiry 's I received a copy of my Credit report on today. I looked online to see if all of them was actually removed to find out they weren't. I called and 3 reps form Equifax stated that all the inquiry 's where still on my report and they don't have any records on the confirmation # nor will they remove them off. I don't understand why I would receive a report and they can't find any records of it or my dispute. These aren't my inquiries nor am I requesting for my credit be pulled. I would like them to be removed. I'm already apart of the Data Brench and this is an issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
I am writing to request the investigation and removal of a repossession that appears on my credit report. The account was opened in XXXX  by XXXX XXXX. I co-signed the vehicle for a relative and I was unaware that the relative I co-signed the vehicle for fell into financial hardship. I was not informed by neither the lessee or lender until the negative inquiry was placed on to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
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:
Experian : you are illegally reporting inaccurate information on my credit report under the FCRA and XXXX @ you are not following there guild lines .enclosed are the illegal documents you are reporting

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 2023-05-08
Company: GOLDMAN SACHS BANK USA
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:
There are several collections on my account, that I didnt give consent nor did I ever have an original account with. I havent had a credit card in 6 years yet my credit report says different

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have these accounts corrected : 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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Address : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Please update to : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX Sincerely, 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 2023-09-05
Company: EQUIFAX, INC.
State: NY
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 received a copy of my consumer report on XX/XX/2023 and I noticed multiple inaccurate information that violates my consumer rights. The CRA lied to me by notifying me in writing that these accounts did not appear on my consumer file when in fact they did! as a victim of identity theft and I request that you reinvestigate and permanently block the information below for FCRA violation section 15 U.S code 1681, 15 U.S code 1681c, 15 U.S code 1681s-2, U.S code 623 ( a ) 6 DISPUTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XX/XX/2021 I signed up for at-home water delivery from XXXX, a XXXX XXXX  XXXX XXXX XXXX I received my first delivery and water dispenser. For the next water delivery, the company was delayed. Then delayed again and again. Finally I contacted the company and cancelled my service. This was confirmed by email. When the driver next showed up, he tried to deliver water but I refused the water and asked him to return the dispenser as well. In XXXX and XXXX, XXXX continued to charge me for water that I never received. I contacted the company and was assured that there was no actual charge as my account was closed. Early this year, I XXXX tried to charge me again. This time I contacted the company by phone and was assured that it was just a computer error, I did not owe any money. This XXXX, I received TWO invoices from ASSOCIATED CREDIT SERVICES , INC. informing me that I owed XXXX in the amount of {$46.00} and {$150.00}. I don't know what these amounts represent as I paid for my original water, and never received any product from them again. Please help me to clear up these fraudulent claims with a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have lived in my home for XXXX  years. My loan was acquired by Carrington Mortgage Services , LLC from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Prior to that my loan was with XXXX XXXX XXXX. In XXXX, I became past due and applied for a loan modification but was denied. In order to save my home, I filed for XXXX  XXXX Bankruptcy. Over the last 6 years I have sent payments to the trustee for the arrearage balance and sent payments to the lenders for the current balance. The payments were not being applied properly and there are discrepancies in the amounts the lender says I owe on the current and arrearage balance. The lender filed a motion on XX/XX/XXXX to be removed from bankruptcy indicating I was in default {$540000.00}. On XX/XX/XXXX the lender was granted a lift stay to be removed from bankruptcy. I was still under bankruptcy and continued to send trustee payments. I have paid over {$21000.00} to the trustee since XX/XX/XXXX. The mortgage company accepted XXXX payment and per the trustee and has refused to accept {$19000.00}. The trustee filed a motion to disallow the mortgage company for refusing the funds. I have disputed the amount the lender says I'm in default and per their request, my attorney and I have provided proof of payments on multiple occasions, sending in copies of bank statements, ledgers and other supporting documents. I attempted to get help with XXXX to get a lower interest rate and affordable payment, but the Carrington denied indicating, I didn't qualify. I later learned from the Trustee that any modifications or changes to the loan had to be approved and signed off by the judge. I am currently working with the XXXX XXXX XXXX XXXX  to bring my mortgage current as they have a {$20000.00} XXXX XXXX XXXX and a {$40000.00} no interest rate loan. My entire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need an audit and history of the billing and payments received and applied to each of the mortgage lenders that have serviced the loan over the last 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX U-verse Account XXXX I've tried several times to remove this unfair information from my report as it directly relates to a disaster issue I have no control of, and it clearly states that on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief