BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 6. The inquiry was not authorized XXXX XXXX CRED Date of inquiry : XX/XX/XXXX Please Delete Immediately 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 8. The inquiry was not authorized US SM BUS ADMIN XXXX  Date of inquiry : XX/XX/XXXX Please Delete 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: FL
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:
FOR ABOUT A YEAR NOW I HAVE BEEN UNABLE TO ACCESS MY EQUIFAX CREDIT REPORT & SCORE. WHEN I LOG INTO MY EQUIFAX PORTAL, IT SAYS CALL CUSTOMER SERVICE. WHEN I CALL THEM, THEY SAY NOTHING IS BLOCKING. 
I WAIT SEVERAL WEEKS TRY AGAIN AND SAME RESULT. THEY TELL ME TO SEND COPY OF DRIVERS LICENSE & SOCIAL SECURITY CARD. I DID THAT SEVERAL MONTHS AGO MY MAIL AND FAX AND I STILL CANT ACCESS MY REPORT OR SCORE. LENDERS HAVE COMPLAINED THAT THEY CAN NOT ACCESS MY FILE ALSO. IT IS CAUSING ME BIG PROBLEMS, NOT ABLE TO ACCESS CREDIT FOR MY REFINNANCING OF MORTGAGE LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, 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 2018-08-13
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car was stolen on XX/XX/2018 The car was reported to the police, insurance company and American Credit Acceptance the " lien '' holder. The car was found 5 days later and it was involved in a serious auto collision XXXX my insurance company declared the car totaled out. American Credit Acceptance the lien holder got paid from the insurance company on XX/XX/2018 in the sum total of {$14000.00} Also the ext warranty was cancel by XXXX the auto dealer and XXXX XXXX paid out to American Credit Acceptance they were paid out {$2500.00}. American Credit Acceptance when i called them on XX/XX/2018 they told me i had an overpayment of {$1000.00} and some change I don't remember the exact amount the first rep told me that it will be mailed out to my new address with in 1-2 weeks i said fine thanks I waited 1 week nothing came in the mail I call back talk to another rep they stated the account again has an over payment due to me and it still being in the process he advised it will take 3 more weeks and the payment should be mailed out on XX/XX/XXXX i said ok and waited and i called back again on XX/XX/XXXX no payment was received by me still I talk to a rude lady and she told me I don't know why I keep calling because there is no overpayment on the account and I will never receive my money. I told her i had the proof from XXXX and XXXX and she told me XXXX only gave them {$1500.00} and i asked her where did the other {$1000.00} went and she told me my account was {$0.00} balance but no overpayment I hung up on her out of frustration I have the proof and she the rep called me a liar and every rep i talked to a liar because there is no such payment owed to me very frustrating.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello : Back in the start of 2022, TD Bank sent me letter suggesting that my account was in arrears by at least {$15000.00}. When we looked into it it seemed that the company was not properly processing my payments. Despite some hassle, we agreed that I would make one extra payment to 'top off ' my escrow account to ensure that he escrow wouldn't trigger insufficient funds. On XX/XX/XXXX, I made that payment of {$1600.00}. TD Bank issued a letter to me indicating that my account was fully paid up. 

Since then it seems that TD Bank continues to have issues and has been mishandling the monthly payments that I have made and they now claim that my account was now {$22000.00} in arrears. I have spent dozens of hours trying to interact with the bank, making phone calls, speaking with agents. I have written at least two letters/emails to them- and I have yet to get a sufficient resolution to this problem. I am seriously fearing that the bank will attempt to take my house from me despite the fact that I made all payments on time. I will submit to you a proof of payments being issued by my account, and an accounting provided by TD Bank of all of my payments. 

To add insult to injury, my credit score has been adversely effected by these inappropriate actions by TD Bank- and it now indicates that I have missed multiple payments to my mortgages. All of this is completely erroneous and I am unable to get new credit issued to me due to these faulty reports of misconduct on my behalf. 

On my last calls with the bank on XX/XX/2022, I was informed that their analysis suggested that I was still behind on my payments - when it's clear to me that ( A ) i have issued all payments through my bank and ( B ) their math on the Payment Analysis that they performed was erroneous. 

I am turning to the CFPB as a last resort- please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Duvera Billing Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am simply doing this report because I just called the company around XXXX XXXX  today and I am already receiving an email talking about a settlement when I distinctly stated that the account was open fraudulently. On the letter emailed, it spoke of interest increasing from this day forward. I am not responsible for a fraudulent account. I was told to email XXXX to continue with my claim. I am doing that. The letter was not necessary. And I called in on my own inquiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY NAME PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021 we signed modification paper work. Then because the over night label was a year old I had to reach back out to my point of contact XXXX which I can still use the label. Then I fed ex on XX/XX/XXXX3 to shell point mortgage, that is why I'm complaining they didn't get the paper work until XX/XX/XXXX or XXXX to process. They back dated a letter asking for first payment on XX/XX/XXXX. And I have been on the phone atleast 20 times asking shell point to start the first modification payment on XX/XX/2021. 
*****Please see attached papers******

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Credit report score with data collected by Experian, XXXX and XXXX XXXX currently is not an accurate representation of my credit practice and behavior.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: NY
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.

The letters are stated with items and issues.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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 following companies have 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 an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXXXXXX 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 2023-06-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing credit report I noticed that have some unauthorized hard inquiries. Please remove all listed below from all XXXX credit bureau because it effecting me in negatively. 

XXXX XXXX XXXX XXXX XXXX XXXX duplicate XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-23
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 belongs to someone else

Complaint:
I have been a victim of identity theft, these items that is on my credit I did not authorize.

this is very stressful I cant understand how this happen to me. I work very hard not to even use my credit. I need to put a lock on my credit files

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-23
Company: EQUIFAX, 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:
I have been a victim of identity theft, these items that is on my credit I did not authorize.

this is very stressful I cant understand how this happen to me. I work very hard not to even use my credit. I need to put a lock on my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2023-06-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Elevate Recoveries, LLC
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:
I received my credit report and noticed Elevate Recoveries , LLC placed an open collection on my report in the amount {$2200.00}. 
First, I do not have a legal contract with this company. Secondly, Elevate Recoveries is in violation of consumer law code 15 USC 1681a Section 3. Per 15 USC 1681a Section 3 Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 
This company has also violated H.R.2537 - Consumer Protection for Medical Debt Collections Act per Congress.gov. that states This bill restricts the inclusion of medical debt on a consumer credit report. 
A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency ( 1 ) medical debt arising from a medically necessary procedure, or ( 2 ) other medical debt less than a year old. 
Lastly, the Elevate Recoveries violated the HIPPA law. The HIPAA law protects patient privacy, including third-party debt collectors accessing your information. I never provided a HIPAA release form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to National Mortgage LLC d/b/a Mr. Cooper in XXXX of this year. 
I originally refinance my loan on a 21 year term with a monthly payment of {$1800.00}. Their records show a 30 year loan with a monthly payment of {$1400.00}. I have been trying to get this corrected with no success. A person, XXXX XXXX, was assigned to get it corrected a month or so ago but it still hasn't been done. Also another problem just occurred on XX/XX/XXXX. Somehow an impound account for hazard insurance was set up without my permission. My original loan did not have any impound accounts. They made an unauthorized payment of {$1000.00} to my homeowners company.

Company response to consumer: Closed with explanation