BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: ID Analytics, Inc.
State: IL
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 requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
Hello There are so many hard enquiries on my consumer report that I do not recognize Such as Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: MD
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:
There was no correspondence no notification of any updates

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 2023-02-15
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report act, XXXX XXXX XXXX, has violated my rights. 
5 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: MS
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:
So recently checked my reports with all three bureruas and notice that these companies are not reporting accurate information. I have proof that they are reporting these accounts inaccurratly. This goes against the FCRA and is not accurate neither is it my account. I sent out a letter XXXX the XXXX and have not heard back from either company .From my understanding they have a month to respond. I would like this remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Affirm loan paid XXXX for an item I purchased, the item was returned. Affirm said they sent XXXX to Lobster sport. Lobster sports only received XXXX and returned the entire amount. XXXX was where ordered it, they did not receive the money. Affirm will not confirm the amount sent, I have confirmed that lobster only received XXXX and did not charge any other shipping or restocking fees. XXXX received XXXX. I am being charged XXXX for nothing, the interest charged is XXXX. Where did the remaining money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: ROC Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call from a man identifying himself as XXXX XXXX. In the voicemail message he said he was calling from API. However in the next message he said it was Regency One XXXX. I did return the call once he wanted me to verify some information. Then he says well have " they '' contacted you. I asked who is " they '' and he said well I 'll tell you that later. Then he asked again, have " they '' sent a letter. Since I refused to respond anymore without know who " they '' were he told me it was XXXX XXXX XXXX. Then he states that his company is looking to forcibly collect a debt and will do so be either wage garnishment or placing a lien on my current vehicle.When I asked how would you place a lien on a vehicle that has nothing to do with this company or this debt he said well I do n't know m'am but they are looking to forcibly collect this debt. I explained to him that I would then contact the company directly and discuss this debt with them at which point he states that 's not going to work and that I have to pay them. I politely got off the phone. I did attempt to email the company he spoke about but as of right now I have n't gotten a response. He also contacted my mothers home and asked to speak to her. He would not provide any further information about his company ( i.e. contact/mailing info etc. ) And I 've attempted to find information on my own and have come up with 2 possible addresses and 3 phone numbers

Company response to consumer: Untimely response
Consumer complaint received 2017-03-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have asked Experian to delete wrong personal information from my report, and they have fail to do what I have requested to do.

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 2017-07-04
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Based on the below facts, Simon 's Agency 's claim is fraudulent. This account needs to be completely removed from any credit bureaus. <P/>Simon 's Agency has failed to provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Verification that this debt was assigned or sold to collector. 5. Complete accounting of alleged debt. 6. Commission for debt collector if collection efforts are successful. 7. FAILED TO PROVIDE LEGAL RIGHT OF SUBROGATION OF DEBT Simons Agency has not provided the legal right of subrogation of debt. A subrogation will not be allowed to the third party as it is only entitled to the insurance company. <P/>The insurance company would have the right of subrogation. A debt collector here Simons Agency can not have the right of subrogation because they are " a mere volunteer '' to the situation. SIMON 'S AGENCY had no loss. This is a case of insurance fraud by the original creditor because they got paid by the insurance company and sold a paid debt to a 3rd party. <P/>If XXXX XXXX XXXX ( XXXX )., charged it off, it means they wrote it off on their tax returns and received a tax credit so they got paid twice and then sold the debt. This is a case of INSURANCE FRAUD and TAX FRAUD. N.J.S.A. 12A:3-305 Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( Federal Debt Collectors Protection Act ) which says " nothing in this title ( FDCPA ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). N.J.S.A. XXXX XXXX, XXXX XXXX without information or knowledge sufficient to form an opinion as to the truth or accuracy of SIMONS AGENCYS claim , and based on that denies generally and specifically SIMONS AGENCYS claim. <P/>ANY FURTHER MAILS OR THREATS OF THIS ALLEGED INVALID DEBT WILL BE SENT TO MY ATTORNEY FOR SUIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$6000.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$2800.00} XX/XX/XXXX XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX 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 2019-07-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX XXXX to Specialized Loan Servicing ( SLS ) in XX/XX/2019. My contract with XXXX XXXX had me paying mortgage on the XXXX of each month with a 15 day grace. My last payment was made to XXXX XXXX on XX/XX/XXXX and my loan was transferred to SLS on XX/XX/XXXX. SLS is trying to collect a XXXX payment from me of which I had already made to XXXX XXXX. Due to SLS trying to collect a XXXX payment from me which I have already made to XXXX XXXX, each month that goes by I'm recorded as making a late payment because they're applying my current payment to the original XXXX payment which makes me a month behind each month. In addition, i'm accruing late fees every month this issue is not resolved. 

Due to this error on SLS 's part which has failed to be corrected, I have received a foreclosure notice dated XX/XX/19. I have made multiple attempts to get the situation corrected including sending proof of payment with XXXX XXXX to SLS for the XX/XX/2019 payment 3 different times and spoke to numerous different customer service representatives from SLS. I have requested that this situation be escalated with SLS 's upper management, multiple tickets for " cash correction '' have been opened, but nothing has been resolved. The current ticket that is open is due to be " resolved '' XX/XX/19 which is 10 days before they will proceed with foreclosure on my property.

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 2019-07-26
Company: Lendmark Financial Services
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: Credit inquiries on your report that you don't recognize

Complaint:
Lendmark pulled my XXXX report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. XXXX was provided a copy of the letter after 30 days went by and the inquiry not being removed. XXXX stated Lendmark did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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 disputed credit inquires and provided supporting documentation that should be more than enough to investigate and ultimately remove the above mentioned credit inquires that were not authorized. I have received and unsatisfactory response from Equifax on XX/XX/2021. I have been severely impacted and my ability to procure credit has been affected due to this errorneous information that is being reported on my Equifax credit report. I have researched this issue thoroughly and am confident that i have submitted all necessary and required documentation to adequately deal with this situation. It is beyond frustrating that they are ignoring the fair credit reporting act. and refusing to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I have CLOSED accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED accounts as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my Experian, XXXX and XXXX credit reports fail to accurately reflect that my accounts as disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.

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 2023-08-06
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: Information belongs to someone else

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2017-04-09
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017, by certified mail in order to dispute information, in regards to 4 hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017, and they completed the request on XX/XX/2017. The request that I submitted included 4 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 5 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having these many hard inquiries on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the creditworthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2017-03-28
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Have an XXXX card from 1st Bank, Omaha, Advertising tells of many benefits including points for room cost reductions. Can not get full info on what points are worth. Many hoops to jump through to convert points so may use etc. Neither XXXX nor the bank is helpful on explanation. Bank is now ignoring requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Reverse Mortgage Solutions, Inc.
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/2012, my father ( now age XXXX ) applied for a reverse mortgage with XXXX ( XXXX ). The contact at XXXX, only known by his first name of XXXX, repeatedly told us ( I am his daughter, age XXXX ) that the house would remain in the family ( heirs ) until the last person died, which would be my sister who is now XXXX. My father recently contacted Reverse Mortgage Solutions ( XXXX ) who told him that the property CAN NOT be passed down to heirs - this information was a surprise to him and upset him greatly. After looking through the original documents, we found out that XXXX sold the mortgage to XXXX immediately after my father signed the documents ( on XX/XX/2012 ), something that was NOT pointed out to him. 

We would like XXXX to abide by the original agreement made by XXXX that the mortgage be passed down to first me and then my sister. ( I was XXXX when the contact was made in XX/XX/2012. ) Lenders case number : XXXX FHA case number : XXXX Respectfully, XXXX ( XXXX on documents ) XXXX XXXX, WA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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