BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion failed to investigate the alleged collection in my credit file from XXXX XXXX XXXX. I do not believe the information they have on file is listed correctly. The information in my credit file stating that my alleged account with XXXX XXXX XXXX was overdue and had been sent to a collection agency is incorrect. I believe the problem is the result of a clerical error and should have been corrected long ago.

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 2020-11-09
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took advantage of the Forbearance Covid19 program through Specialized Loan Servicing in XXXX. The Forbearance program began on XX/XX/20 and ended on XX/XX/20. I called on XX/XX/20 to setup payments as instructed By Specialized Loan Servicing. I setup the payments on XX/XX/20 to get everything caught up and made the first payment that day for {$480.00} per their instruction. In XXXX I applied for a loan through another company to purchase a house, Initially my credit report came back fine. The loan company ran my credit again just to verify and it had a 60 day late payment on there from SLS. I called and asked them what the issue was and through several calls I discovered that they had applied my first payment listed above incorrectly and then falsely reported on my credit that I had late payments. I requested a letter from them saying that they reported incorrectly on my credit and they refused.

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 2023-10-31
Company: Experian Information Solutions 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 these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX of my accounts with the student loan servicer, XXXX, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MI
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 other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX Reference 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 2021-04-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SS : XXXX DOB : XX/XX/1990 Account- Nissan Motor Acceptance Account # XXXX After Moving from XXXX , IL to XXXX , Arizona I recently reviewed my credit report in order to obtain a mortgage on a home and I noticed several inconsistencies and inaccuracies regarding the account NISSAN MOTOR ACCEPTANCE. These can not be accurate. The name on the account is not me. I am XXXX XXXX NOT XXXX XXXX. Also these accounts appear to be furnished by the same creditor so why is all the provided data different? Delete ALL information regarding this account from ALL credit reporting agencies WITHIN FIFTEEN 15 CALENDAR DAYS you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature on it- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This has been the worst experience ever! The car was delivered on XX/XX/2021, with bad breaks, missing floormats, a malfunctioning sunroof, and broken parts to the windshield. Carvana says they have a 7day guarantee or money back option. I've been attempting to get the windshield fixed since the first week of having the car and Carvana has constantly provided wrong information since I have addressed this concern. I have requested for a manager to call back and I'm still waiting on a return phone call. I'm sure that Carvana knows about the Lemon Law however they don't seem to abide by the Lemon Law regulations since they have failed to inspect the car prior to delivery. Carvana has also given me the runaround for about three weeks with going back and forth with XXXX XXXX ( auto warranty ) knowing that the issue was due to lack of inspecting. The car dealership is expecting a payment of $ XXXX for something that should have been inspected by Carvana . I would NEVER recommend anyone to purchase a vehicle from Carvana. Carvana only wants your money and they do not care about their customers. This seems to be a trend that they have. I know someone personally who has had the same exact challenges as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reached out to Experian 3 times regarding a medical debt with a balance below {$500.00} that they are reporting on my consumer report. This account was not validated and the company XXXX XXXX XXXX XXXX furnishing this information violates HIPAA. I disputed the account with Experian who has never provided me with any verification of this debt upon my request and they have refused to delete this account from my credit report which violates the CFPB regarding unpaid medical debt that has a bTwo-thirds of medical collections on credit reports will no longer be reported. 
Published by CFPBXX/XX/XXXX- Starting in XX/XX/XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. balance below {$500.00} should not be reported on consumer reports.

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 2021-04-21
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Mr. Cooper Group Inc.
State: CO
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:
My ex spouse XXXX XXXX XXXX fraudulently used my name ( XXXX XXXX ) against the divorce decree order as a joint account holder for NationStar Mortgage.. I have court docs to prove signed by a judge ... stating that I XXXX XXXX AM NOT LEGALLY RESPONSIBLE FOR PAYING THE MORTGAGE THAT INITIALLY STARTED WITH XXXX XXXX.. AND THEN REFINANCED SEVERAL TIMES.. NOW THE EXISTING MORTGAGE HOLDER IS NATION STAR MORTGAGE.. I HAVE THE COURT LEGAL DOCS TO STATE THAT IT'S HER FINANCIAL RESPONSIBILITY TO PAY THE MORTGAGE 100 %.. PLEASE IMMEDIATELY TAKE MY NAME OFF OF THIS MORTGAGE.. AND EXPUNGE THIS RECORD FROM CREDIT REPORT WITH XXXX AND XXXX CREDIT XXXX THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to access my Equifax account for the past XXXX months. Ive called the company at least once per month to speak with a representative about handling this issue. The representative attempted to reset my password on their side and that does not fix the problem. After about a 30 minute phone call the representative tells me that they will send my issue to the technical department and someone will get back to me. That has never happened. When I apply for funding, Im told that they can not see my credit score from Equifax. I have been told by an Equifax representative that I do not have a credit freeze or fraud alert on my account. Ive written several letters and sent the information to verify my identity to asked to reset my account and that has not worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to get TransUnion to remove the account and inquiries from my credit report because they don't belong to 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 2021-10-22
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I was approved by my XXXX church for assistance through them and was given a check by XXXX XXXX for my mortgage I went to US Bank XXXX XXXX XXXX XXXX XXXX, AZ XXXX at approximately XXXX XXXX. And was told I couldn't pay my mortgage due to being on forbearance and was advised to call and request to be taken off forbearance. 

XXXX XXXX I called US Bank XXXX XXXX mortgage department and spoke to a representative that was very rude and I got into a verbal confrontation with and I ended up cussing at him then regained my composer and had to ask for his Supervisor at least 20 times before he would put on the phone ( I have this recording as well ) his Supervisor got on the phone and told me u was not in forbearance I was in the stage right before that but assured me that he was taking care of it. 

So again I went into US Bank and attempted to pay my mortgage with the check I got from my church. Again I went to the teller and was told I couldn't make the payment due to being in forbearance and was instructed to call the home mortgage depot which I did and was instructed to give them the check routing number and account number to pay over the phone and was instructed that my forbearance was taken care of but it would be approximately 30 days before it would update in the system. 

XXXX XX/XX/XXXX. I was just checking all my accounts and when it came to the US Bank account I noticed that my mortgage account numbers were off so I clicked on the account and saw that the payment was reversed. So I went into the branch on XXXX and XXXX in XXXX AZ. And spoke to XXXX who made a call back to the mortgage deposit I talked to XXXX employee i.d. # XXXX who advised me that I needed to speak to a senior account representative before I could speak to a supervisor so I did and I immediately told him turn me over to a supervisor and that when I was put on the phone with Gaberial out of XXXX CA I.D . # XXXX who was very rude and told me I have to talk to a loss mitigation specialist so I asked to talk to his boss to which he said there is no one above him at that office and I would have to file a complaint. He got back on the phone with XXXX and about 30 minutes went by and I was put back on the phone with XXXX i.d. # SVN who was in loss mitigation the retention department and she advised me that who ever I talked to before didn't take me out of forbearance she had to just put in her code and I would be taken out but I would be 5 to 7 business days before I could make a payment

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 2021-10-22
Company: Franklin Collection Service, 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. I don't not have a contract with this company and 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 alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this agency on several occasions to try to resolve this debt. 

Even though I do not believe this debt to be legitmate ( it was made without my authorization by an ex husband ) The current collection agency, Southwest Credit Systems, has refused on multiple occasions to both provide me with a written copy of the actual debt ( bill etc ) AS WELL as refused to provide me with their settlement offer in writing ( {$740.00} was the last amount offered ) THEY ALSO have refused to accept payment in full in one transaction. 
They have insisted instead that my only option is to enter into a payment arrangement with them, for multiple payments. 

There are other complaints online against this company for asking someone to do the same, only to fail to process their final payment of the payment arrangement, then finding the consumer in default of the payment arrangement, thus violating their " settlement amount '' and reverting their account back to the original inflated account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/2021 XXXX Certified mailed my disputes to Transunion and they have no CORRECTED the unverified " Charge off '' this is preventing me from getting a new home. 

THEY HAVE NOT SUBMITTED PROOF IN WRITING. 

I DO NOT OWE THIS DEBT REMOVE IT immediately OR I WILL SEEK punitive DAMAGES GRANTED BY THE FCRA FOR FAILURE TO COMPLY I DEMAND that they remove these ITEMS FROM MY CREDIT REPORT AT ONCE. 

CHILDSUPPORT Account Number : XXXX it is inaccurate and this is also an invasion of my privacy They are in VIOLATION OF 15 usc 1692 ( a ) of the FCRA Also these inquires are unauthorized i called and tried to get them removed they are violating my rights by not complying. 

XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX  XXXX  Date of inquiry : XX/XX/2021

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