BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is 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 2020-02-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a follow up to CFPB Complaint : XXXX-XXXX  The company is falsely reporting and is violation for the Fair Debt Collection Practices Act. Please see article 809 ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

They have provided NO PROOF to me the account wasnt satisfied.

The account was paid directly to the provider from my health insurance and a via money order. The ARS company would not have this as it was paid directly to the provider in question.

This account and collection is not valid and the ARS company is acting fraudulently.

In addition and prior to my written Cease and Desist this company ARS made multiple daily calls to my home ( XXXX ) some of these calls were outside of normal hours XXXX XXXX and late in the evening. ARS would call 8-15 times per day. The clearly were in violation of the FDCPA in the area of collection calls as well.

It is not my responsibility to locate EOB 's from my insurance company nor is it my responsibility to locate a money order from years ago. This account was paid in full. Clearly there is fraud happening on both ends of this weather it is from the collection company and provider remains to be seen. 

ARS has a responsibility to validate the debt, they have not provided valid data to support this collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
State: CO
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:
Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX XXXX XXXX in which was XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX and the date of inquiry XX/XX/XXXX. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, INFORMATION XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX XXXX, the inquiry date was XXXX and CITIBANK NAXXXX, XXXX XXXXXXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and Citibank are unrecognized credit companies to access my credit report for this reason. A recent company that goes by CITIBANK NAXXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is 9704248812.THe dispute confirmation number provided by XXXX is XXXX For all the hard inquiries mentioned above, I didn't give the company authorization to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. The dispute confirmation number is 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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-09-19
Company: Crosspoint Financial Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Shortly after I bought my first house in XXXX, I began receiving letters from Crosspoint Financial offering to lower my mortgage interest rate or to refinance to get my home equity in cash. The offers were not better than my current mortgage rate but were aggressive in their persistence. I ignored them until I moved to another home in another state in XXXX of XXXX. Shortly after the first letter I received that was forwarded from my home in XXXX to my home in XXXX, my wife called Crosspoint and spoke with a representative who agreed to remove my name from their mailing list. We have received another letter.

Not only is mine and my wife 's information on the Do Not Call registry, but we also spoke directly with this company to ask them to stop  harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XX/XX/2023 53rd bank They closed my account at {$490000.00} when I deposited {$9300.00} on XX/XX/XXXX. And when ask why they told me it's because it's what they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and I have a mortgage loan with Mr Cooper I recently changed my insurance company and my insurance company forwarded the invoice with the premium amount of {$2000.00} to them in return my mortgage company sent a check for {$2800.00} to them which is higher than the premium they demanded. My insurance company returned the check back for {$2800.00} to them. My mortgage company for the second time sent another check for {$2800.00} still higher than the initial demand my insurance company requested for. The consequence of this is that my mortgage company increased my monthly mortgage payment from {$1500.00} to {$1500.00} after they did their escrow analysis based on the increased premium they paid to my insurance company on their own error they made twice. They say they would decrease my monthly payment after they receive the difference in refund from the insurance company. The question at this stage is why should I bear the brunt based on their error? Why did they not do the analysis based on the normal premium of {$2000.00} and {$2100.00} for their own error. I think this is unprofessional and unethical.I spoke to one XXXX a supervisor and she stood on their ground that I would pay that increased premium until they get the difference in refund. I think I am being taken advantage of because I have their money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In XXXX of 2018 a loan from DEPTEDNELNET was opened in my name. This loan was opened without my authorization. I have disputed this issue and I am still waiting for this to be resolved. This is now on all three of my bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

US DEPT ED XXXX BalanceOwed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$2000.00}.

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
Consumer complaint received 2022-12-30
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
It was in XX/XX/XXXX I took a personal loan with the following XXXX XXXX XXXX XXXX XXXX Plan Loan & Saving = {$4000.00} Amount granted to my account = {$1500.00} Total Payments I made = {$2200.00} [ Earlier than expected - in 10 months I paid this amount ] Then They sent me a statement applying the total payment as follows : 1 - Loan of {$1500.00} settled with interest, which means total payments applied {$1900.00} fully covered the loan amount they credited to my account [ {$1500.00} ] and interest [ {$450.00} ] 2 - Amount Applied to Savings [ {$2300.00} out of {$2500.00} ] Then At the beginning of XX/XX/XXXX, an unknown company [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me an email for which my Seedfi account had been transferred to them with out my prior knowledge. Something Phishing! started over. 
Then I tried to check my account and statement at Seedfi account login - their system shown no Seedfi info available. They deleted the whole information and vanished. 
Then I responded to the emails of XXXX  and expressed my disappointment and the balance they requested me. They said still I owe them the above savings grow plan. I informed them clearly with all my payments and the initial amount of loan credited to me as follows : Finally, I requested cancellation of my savings plan and refund of my hard earned savings balance i.e. {$280.00}. 

NO RESPONSE REACHED ME TO THIS DATE. 
Then An email from SeedFi resurfaced and requested further payment {$200.00}. For what???? 
Then SeedFi grabbed all my savings {$280.00} and asked me further charges of {$37.00} in effect they took {$320.00}. 
Now I suspected totally a phishing and scam activity committed by these companies : - SeedFi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions 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:
My credit score dropped almost 100 points because of a late payment. I contacted XXXX XXXX and made the payment right away. I made two disputes with Experian and nothing has been resolved. According to them Im still late in the payment and the payment hasnt been made

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 2023-05-04
Company: EQUIFAX, INC.
State: LA
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:
Unrecognizable inquiry appears on Equifax credit report for XXXX XXXX and EQUIFAX MORTGAGE SER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
[ Your Name ] [ Your Address ] [ City, State, ZIP ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX XXXX, Iowa XXXX Subject : Complaint regarding identity theft and fraudulent auto loan account with XXXX XXXX XXXX ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the identity theft account opened in my name, which has resulted in an unauthorized auto loan account with XXXX XXXX XXXX ( XXXX ). This fraudulent account was reported by XXXX, XXXX, and TransUnion on XX/XX/2022. Despite my numerous attempts to resolve this matter directly with XXXX, they have failed to provide any assistance or support, aggravating my distress and posing potential harm to my financial well-being. 

The evidence I have gathered reveals that XXXX has produced a copy of a contract allegedly associated with the fraudulent transaction. However, this contract is not signed by me and contains fabricated information. The existence of this fraudulent account has caused significant stress and concern, with the potential to severely impact my creditworthiness. Therefore, I urgently request the removal of the auto loan account with XXXX from my credit report due to clear evidence of fraud and identity theft. Additionally, I request the removal of any associated inquiries or negative information stemming from this fraudulent transaction. It is crucial that my name and credit history are cleared of any detrimental effects caused by this fraudulent activity. 

Specifically, I implore XXXX, XXXX, and TransUnion to expunge this account from my credit report, along with any inquiries or negative information linked to this fraudulent transaction. XXXX has repeatedly failed to verify my identity, provide a valid contract of the purchase, furnish identification details used during the contract process, supply duly signed documents, or possess accurate information about me. Furthermore, they have improperly reported debt amounts, stating a balance of approximately {$12000.00}, while the actual amount owed is approximately {$9000.00}. Additionally, I request documentation of the sale, such as a XXXX form issued to the consumer. It is imperative that accurate and up-to-date credit reporting remarks are provided, addressing false addresses and identity theft concerns, and ceasing their active participation in fraudulent activities.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

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 2023-07-27
Company: Experian Information Solutions Inc.
State: TN
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX  XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, TN XXXX ; FST XXXX Balance Owed : {$580.00} ; XXXX XXXX XXXX Balance Owed : {$64.00} ; XXXX 'S XXXX XXXX XXXX Owed : {$1100.00} ; XXXX Balance Owed : {$0.00} ; XXXX  XXXX BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXXB XX/XX/XXXX ; XXXX 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 explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company response to consumer: Closed with explanation