BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: Freedom Mortgage Company
State: TX
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 a 30-year VA mortgage that is owned and serviced by Freedom Mortgage since XXXX. I have consistently made all my payments on time from a specific bank account ( bank account # 1 ) by EFT initiated through the Freedom Mortgage website. In XX/XX/XXXX, I switched to using another primary bank account ( bank account # 2 ). I added this bank account to my online profile with Freedom Mortgage in order to make my XX/XX/XXXX mortgage payment. I made the payment for my XX/XX/XXXX mortgage payment through Freedom Mortgages website using bank account # 2. Rather than pull the funds from bank account # 2, Freedom Mortgage repeatedly tried to pull the funds from bank account # 1, which resulted in me receiving overdraft fees from Bank # 1. I logged into the website again and initiated another payment for the XX/XX/XXXX mortgage bill and requested to pay it from bank account # 2. I waited four days and Freedom Mortgage did not pull the funds from bank account # 2. I called them to inquire into the issue and they agreed to refund me the over draft fees charged by bank account # 1. A few days later, they finally debited the funds for the XX/XX/XXXX mortgage payment from bank account # 2even though I had repeatedly requested that they debit the funds from the account. A few days later, they reported me delinquent to the credit bureaus, even though I was not and had consistently been requesting to pay my mortgage payment from bank account # 2. I called them the same day and spoke to someone in the escalations department. She reviewed my good payment history and spoke to her supervisor. She agreed that the error appears to have been caused by Freedom Mortgage repeatedly attempting to withdraw the payment from bank account # 1even though I ( the customer ) had made repeated requests to pay from bank account # 2. She agreed that Freedom Mortgage would send corrected information to the credit bureaus that my account was not 30 days delinquent because the delinquency was due to their own processing errors. It has now been 8 days since Freedom Mortgage agreed to send the correction to the credit bureaus and that has not been completed. I called their customer service number earlier today, and after waiting on hold for 35 minutes, the agent explained that task was closed without being completed and she initiated a request to reopen it so that my credit information can be updated as agreed.

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 2021-09-28
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and needs to remove XXXX : XXXX XXXXDate of Inquiry : XX/XX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: DC
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 several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2021-09-28
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had originally taken a loan of {$500.00} from MoneyLion on XX/XX/XXXX. This loan is showing on my credit report as XXXX XXXX but this loan was paid off. The way MoneyLion works is that you have to pay your Loan off to get another one. There is another Loan on my account that was issued on XX/XX/XXXX for {$500.00} which shows XXXX XXXX XXXX XXXX  No one at MoneyLion has been able to provide me an explanation on how I was able to obtain this loan without paying the one in collections from XXXX, XXXX. They have not been able to provide any loan documents or statements regarding the loan from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: PA
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 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 explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed again my credit report, I discovered that some of the information was still erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. 
My only and correct social security number is XXXX. 
My only correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. 
My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. 
Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. 
Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MN
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:
The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ). They have not been reporting inaccurate information.

Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. 
If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information. 

To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus

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: EQUIFAX, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
This account that is with Capital One was a paid to delete account that has not been removed from my consumer reports. 
This account XXXX from capital one that has been paid for already and the company has also reported false late payments for the following account as well. 
The dates of XXXX XXXX are showing XXXX date late payments remarks which are illegal and inaccurate due to the fact that the account was closed on XXXX XXXX so how can I be responible for late payments being reported after the account was closed than paid off in full as contract of pay to delete stated. 
Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my XXXX credit profiles with XXXX, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my XXXX in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is 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 non-monetary relief
Consumer complaint received 2021-09-28
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was purchased from XXXX finance however, XXXX stated the amount owed was written off for {$9500.00}. Ncb is showing an amount owed of around XXXX XXXX  Please show documents showing validation of debt as well as the amount you purchased this debt for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
At the end of XXXX calendar year, I started to look for my first apartment since I just got hired for a new job I started to use Credit Karma to track my credit score and see the information on my credit report. In the next couple of months, the pandemic hit, and everything was shut down. I started receiving emails and notifications stated that I was pre-approved for credit cards and personal loans, but I didn't act on the offers because the pandemic shut everything down. When things started to open back up, I started to go out and apply for apartments but found out that I did not have enough money to cover the cost of payment for first and last month rent and security deposit. Also, I had to cover the cost of moving which included the cost of the rental truck, tolls, gas, and moving equipment. I went to Credit Karma to get a personal loan for XXXX and apply for credit card for XXXX since they said I was preapproved. After the application process I was turned down. This was very disappointing, and I could not get the apartment that I was trying to acquire. This also put hard inquires on my credit score and ended up bringing my score down which brought on more anxiety. After that I stopped using Credit Karma as I did not trust the notifications or the emails. I had to get a personal loan with high interest to get cover cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I call them XX/XX/2021 and they giving me a hard time. I requested a dispute and one of the supervisor ( XXXX XXXX ) giving me a false information and changing a subject. 
I tried to talk to his/her supervisor and didn't cooperate with me and hangs up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: NV
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:
XXXX AND EQUIFAX ARE REPORTING A DEROGATORY ACCOUT ON MY CREDIT FILE FOR {$2100.00} DOLLARS, WITH NO INFORMATION ON HOW TO REACH THE COMPANY THAT PUT IT THERE. I HAVE A RIGHT TO KNOW, OR IT SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: LoanCare, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My ex husband and I were divorced in XXXX of XXXX. In the divorce agreement I was awarded the house with the agreement that I would be solely responsible for all costs including mortgage payments. I have, on my own, paid the monthly mortgage ever since. My ex husband and his current wife filed for bankruptcy in XXXX. It did not impact the mortgage loan as I am legally responsible for that. I was able to continue to have access to the online portal so that I could pay the monthly mortgage payment faithfully. I have never been more than 30 days late. I have logged in on or around the XXXX of every month to pay the monthly dues. In XX/XX/XXXX however I was suddenly refused access with no notice. I reached out multiple times to the mortgage company starting in XXXX trying to find out what the problem was. I was told that I did not have access and that I would have to call in every month to pay. Since everything was set up electronically I no longer had access to e-statements or invoices. I called multiple times and tried to find ways to get this resolved to no avail. In XXXX of XXXX I was able to speak with a loan representative who told me that my online portal was not available and to create a new, which I did. I was able to log in online as normal again and pay my mortgage payment and see the dashboard for the loan I am responsible for. When I tried to log in today, XX/XX/XXXX I was again denied access. The three representatives I spoke with said that it was because of my ex husbands bankruptcy in XXXX. However, I received an email from Loancare XX/XX/XXXX stating that my online mortgage statement was available. Yet I am not able to access the documents as Loancare has decided to deny me access to all the legal information including my bank account information and tax documents. Please help me

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I HAVE ONLY BEEN ASSOCIATED WITH ONE ADDRESS AND THAT IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX WITH TELEPHONE NUMBER XXXX ANY OTHER ADDRESS OR PHONE NUMBER ON MY CREDIT REPORT IS INCORRECT AND WANT THEM TO BE DELETED WITH ANY ACCOUNTS ASSOCIATED WITH 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 non-monetary relief
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following credit item listed on my TRANSUNION, XXXX AND XXXX credit  file is not being removed after 7 years and is a violation of my consumer rights : 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