BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2022-11-17
Company: Experian Information Solutions 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 my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: MI
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 XXXX 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 604 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 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 2023-01-13
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: Was not notified of investigation status or results

Complaint:
Why isn't XXXX following the law under the Fair Credit Reporting Act that I'm protected under as a consumer? When validating debts a letter that is stating it is valid from the credit bureaus is not a legally tangible instrument of validation of the debts. 

XXXX identifies itself as a consumer reporting agency UNDER 15 U.S.C. 1692g Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


I never received a letter of validation for the record at all and XXXX is responsible for the following damages : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1692g Validation of debts DELETE THE FOLLOWING ACCOUNTS WITH 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 a survivor of wholesale fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2022-12-15
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chime bank At approximately XXXX XXXX. XX/XX/2022 a transaction in the amount of {$50.00} was taken out of my account from XXXX restaurant. during that time I was at work in XXXX, Tx no where near the location of the transaction. I had my bank card on me and no one has access to my account nor card information. At that time my account balance was XXXX, and my overdraft was only {$25.00}. My balance was XXXX due to me transferring my check I just received that same day at XXXX XXXX XX/XX/2022 in the amount of {$630.00}. The only other transaction I made that day was from XXXX at the corner of XXXX XXXX and XXXX XXXX in the amount of {$2.00}. I then contacted Chime to file a dispute on XXXX XXXX. 2 days later on XX/XX/2022 with no emails stating why they denied my claim. How was my money able to be accessed for {$50.00} if my account balance was XXXX and my overdraft was {$25.00}? Thats not even enough to allow the transaction to go through. I called several times and was hung up on. When I finally got through for a call the person on the phone said that he wasnt able to transfer me to anyone and all communication will be done through email. I just want my money back. If I need to file a police report I will and contact a lawyer if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Square Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mom XXXX XXXX worked remotely for XXXX XXXX, a company in texas 2 years ago. She did not own or have any financial interest in that company. 

My brother and I, XXXX and XXXX XXXX are Florida XXXX XXXX XXXX and own 100 % of XXXX XXXX XXXX, XXXX. We processed a payment from a customer using Square for XXXX and Square withheld XXXX to pay a debt owed them by the company in Texas, XXXX. 

Weve explained and provided documents showing that myself and my brother, XXXX and XXXX, and XXXX XXXX have no relationship and never have with XXXX, and that our mother, XXXX does not have any financial interest in our XXXX XXXX, but they refuse to listen and are taking money as a debt collector for a company we have nothing to do with. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot ( LD ) alleges that I was 30 days late payment on a payment due on XX/XX/2022, and this prevents them from allowing me to assume responsibility for my taxes and insurance. The facts are as stated below : XXXX. I called LD twice on XX/XX/XXXX and XX/XX/XXXX and was told by LD ' automated voicemail program and the customer service personnel I spoke to that my payment was received and credited to my account and that my next payment was due on XX/XX/XXXX. 
XXXX. I also visited LD 's website during this period, and it showed my payment received on XX/XX/2022 this was as late as XX/XX/2022. 
XXXX. I have a statement from LD prepared by LD on XX/XX/2022 and mailed to me confirming that my account was up to date, and my next payment was due on XX/XX/XXXX. 
XXXX. Your records will show that the first time LD alerted me to an issue with my payment made on XX/XX/XXXX was by way of a statement prepared on XX/XX/2022, which is Friday. I saw this statement on XX/XX/XXXX. 
XXXX. I did receive a call on Saturday XX/XX/XXXX, informing me that there was a problem with my payment on XX/XX/2022, I expressed shock that it took 32 days for LD disclosing that there was a problem with an ACH which LD posted to my account online as a payment, not a pending payment on XX/XX/2022. This was despite my making numerous calls to LD and being told my account was up to date that is it was received on XX/XX/2022, and my next payment was due on XX/XX/XXXX. 
XXXX. Notwithstanding, I initiated a payment over the phone on XX/XX/2022, for both XXXX and XXXX mortgage, that is on immediate notification of the discrepancy and the credit was made to my account on XX/XX/2022. 
XXXX. Currently, I have over {$11000.00} in my escrow account that is after LD paid my insurance of {$5200.00}, my estimated property tax is less than {$4000.00} which I told LD I will pay on XX/XX/2022. However, they refuse to apply my monthly payments to principal and interest only. 
XXXX. The reality is that if LD deliberately waited 32 days to inform that they did not receive a payment which they posted to my account on XX/XX/2022 not as a pending payment but as a payment. This is a ploy they are using to prevent me from paying off my mortgage by taking control of amounts they are holding in escrow. 
XXXX. This practice is a violation of the terms of the mortgage which expressly states that I should not be prevented from reducing the principal. 
XXXX. I can produce all the documentation to confirm all statements made above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've emailed MOHELA, my loan servicer, twice and received no reply. The first was on XX/XX/2022. I don't remember the date for the second email. 

On XX/XX/2022 I called MOHELA at XXXX XXXX. The automated system told me my wait time was 114 minutes. I stayed on hold for nearly eight hours before I was hung up on.

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: LAGO Funding Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I financed a vehicle from a buy here pay here lot. I voluntarily reposted the vehicle 2 years later after making monthly on time payments. However the loan was sold to another company who has now placed a judgement on my credit for more than the value of the vehicle after the vehicle was sold. Which they are now attempting to garnish my wages from my employer and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
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:
COMPANY XXXX XXXX XXXX XXXX  IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION.

-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF 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 2023-01-25
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: Investigation took more than 30 days

Complaint:
I have been trying to fix the issue with Experian since XX/XX/XXXX ( today is XX/XX/XXXX, so it has been XXXX months already with no resolution ). I last spoke with XXXX at Experians dispute department on XX/XX/XXXX and explained the issue to her again in full details ( Im hoping that she left some notes summarizing our XX/XX/XXXX conversation ). XXXX suggested that I should also send a letter to Experian ( along with supporting docs ) and quote case # XXXX for reference ( I already did that ). But since Experian is taking so long to fix this issue, I've decided to file a complaint with Consumer Financial Protection Bureau in order to induce Experian to take this matter seriously. 

In a nutshell, Experian destroyed my credit history! My legal name changed recently, and so I requested Experian ( back in XX/XX/XXXX ) to update my credit file accordingly. However, when the name was changed at their end, Experian basically wiped out XXXX years of my credit history and brought my very good credit score from XXXX to XXXX something ( poor ). I have brought this matter to XXXX attention multiple times since XX/XX/XXXX and the agents at their end basically kept giving me the run around. Ive been told repeatedly by Experian that the issue was caused by my creditors and that they are not reporting to Experian using my correct legal name. Ive double checked with all my creditors and confirmed that my name has indeed been successfully updated in all their records. 

Prior to the legal name change, my Experian credit report had XXXX total accounts ( XXXX credit card accounts, XXXX auto loan account and XXXX real estate loan account ). All of these accounts have been wiped clean from my Experian credit history and Im now only left with XXXX credit card account after Experian updated my legal name. 

Also, the issue was definitely caused by Experians blunder and not by my creditors! So they need to stop blaming my creditors and take responsibility for their blunder and fix it immediately. How can we confirm that this is definitely an Experian blunder? I pulled recent credit reports from XXXX and XXXX and noted that they successfully updated my legal name and still managed to retain my XXXX years of wonderful credit history! 

As I said above, Experian needs to take responsibility for this blunder and fix this immediately. Their performance to date have been quite deplorable!

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 2023-01-27
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had two credit cards with XXXX. In XX/XX/2020, I mistakenly paid on my balance on both cards when I intended to pay a different bill. I contacted the creditor and requested the payment be reversed. My due date was still several weeks away. They agreed and reversed the payment. Then they immediately locked me out of my account. I contacted them and they stated that my account has been closed and they cant access any details about my case. I requested that they send me documentation. They did not. Instead, they sold my accounts to a debt collector called MHC Receivables in XX/XX/2020. They made abusive calls and then sold my account to Sherman Originator 2 weeks later. They then sold my accounts to PYOD. PYOD initially made aggressive and threatening calls and then went silent all the way until now by serving me with a court date to sue me. In my credit reports, it verifies that ALL of my accounts have been 100 % on time. I havent had one past due payment. I believe that not only was XXXX predatory in their practice, but that they may have a relationship with debt collectors to prey on consumers. The very few times I ever spoke to a collector, I stated that I would not be willing to agree to anything or confirm anything until I received written statements from them detailing what I owed and why I owed it. Considering I hadnt ever had a past due payment with XXXX and was unclear of my status with them, I wanted to be sure that what was happening wasnt a scam and was legal and accurate. No one ever complied. I only received threats and abuse. And they have even falsified their filing stating I have paid money towards this collection when I havent. I am attaching screenshots that show I have a 100 % payment history. If something was past due to the point where XXXX would charge-off my accounts, it would still show in my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent in multiple letters and ftc reports they keep telling me to resend in making up things on why it didn't go through but I sent it in through fax and mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information 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

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 2023-01-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX & amp ; XX/XX/XXXX last updated on XX/XX/XXXX. This company reports a 30 day late without my consent. 

XXXX XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]

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 2022-10-21
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper has done nothing but lie and deliberately hold paper work that I was supposed to be sent and turned me down for hardship over 2 years ago they've raised my payments and over charged me talked to people not in the account I've got nothing from them in over 2 years XX/XX/XXXX and it said they had made a mistake I've asked numerous times why I'm not getting my statements from them then sat I got for closure papers ther crooks

Company response to consumer: Closed with explanation