BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with XXXX XXXX XXXX in XXXX, never missed a payment, supplied requested documentation multiple times. They played games and avoided providing the government modification program I was eligible for that provided for $ XXXX {$100000.00} HAMP reduction in principal because I never missed a payment. I attended a XXXX event to push it through at which point B of A said their computers were down and they could not do it, then they immediately sold my loan to Green Tree to avoid modifying my loan. Green Tree did modify the loan, but they failed to provide the government incentive for not missing a payment. This was clearly a Bait and Switch. In at least three recorded phone conversations ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and one letter XX/XX/XXXX customer service representatives mentioned the incentive to me. Green Tree sold out to diTech. About the time my 5 years of no missed payments occurred and I should have received my incentive reduction from my principal, diTech filed for bankruptcy. I requested my principal reduction and have been denied it stating that I am not eligible. I believe this is fraud and that someone absconded with my government incentive funds. Please investigate and advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently obtained a copy of my credit bureau XXXX  credit report. It showed an inquiry by your company that I did not authorize. This inquiry was sent to you by XXXX XXXX XXXX on XX/XX/2017. I have obtained a copy of the Credit Application from the dealership signed by me ( attached below ) and this application does not authorize you by me for your financial institution to run my credit report at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: OH
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$920.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7200.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act, 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 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 THIS ACCOUNT IS LINKED TO AN ADDRESS I NEVER LIVED AT.

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 2022-07-27
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have called the phone number listed ( XXXX ) at various times to limit sharing of personal information, however, I am not able to input my choices and am told to call back at another time. There is no clear way to limit sharing of my personal information at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: DC
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:
there are late payments reporting for two accounts on my credit reporting profiles and they are inaccurate and have been disputing them with the cra 's but there has been no progress

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 2023-07-05
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt isnt mine and has been placed in collections on my credit report.The company refuses to remove the account placed on my credit report and i would like the collections removed .All debt is already paid so therefore no debt will be tendered.HJR 192 All Bills Are Prepaid sand obligated by the Government,15 U.S.Code 1605 - finance charge defined and what is all included.16 C.F.R. 433.1 ( d ) - purchase money loan. 
Company got a cash advance for using my social or credit card.15 U.S. Code 1662 ( b ) -mixing cash with consumer credit transaction.UCC 1-308 All Rights Reserved 15 USC 1681 Consumer Protection.15JUS1602G We are the Creditors,95 USC 1666B No such thing as a Late Payment. 
FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) a

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Servicing Issue : I have an insurance claim from Hail   Damage to my home. Mortgage provider required numerous documents in order to approve a contractor so they may make the needed repairs. The required paperwork was submitted and received in XX/XX/2019 as confirmed by the website they use to upload the documents. I get a phone call claiming the paperwork was approved and they will issue a check addressed to me and the contractor. Two months go by and I make attempts to get a status to no avail. I finally get a phone call from a representative the w/o XX/XX/XXXX that confirms all the required paperwork was received ( again ) but they want a termination letter from the prior contractor that I didn't move forward ( zero costs incurred, I fired the contractor due to their inability to follow through with documentation on the work they WOULD be doing ) with and I terminated the agreement in writing, of which, they confirmed, in writing. I then, sent this termination correspondence to the lender and to-date ; don't have a reply. 

Additionally, I have submitted written correspondence through the same website to document attempts to get a status. The delays have caused damage to the inside of the home because the roof  is damaged from the hail  and I can not get approval to begin repairs. 

The negligence is significant on behalf of the lender - I will no longer stand by and allow them to manipulate a process they create and then simply ignore and abuse 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 explanation
Consumer complaint received 2022-07-27
Company: World Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
World Finance Corporation has engage in unfair behavior and willfully noncompliance with the law, knowingly using deceptive tactics on undermine my credibility and give lenders the wrong impression. On XX/XX/2022 I sent a letter to World Finance Corporation and they did not provide me proof, bearing my signature instead they sent a letter from a different address, World Finance Corporation, asking me for information that they did not have or know. Also I sent the second letter to World Finance Corporation they sign and received it on XX/XX/2022 and ask for the second to third time that I request World Finance Corporation and XXXX on XX/XX/2022 and XX/XX/2022 to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have added copies to show how World Finance Corporation falsify information or do not have accurate information because this account was open as identity theft and reporting a serious error on my credit report under my social security number or took information from my disputes and refurbished as new. Also in my high lighted copies of proof you see were World Finance Corporation has try to say they have requested information but never respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: WI
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 endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: PA
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:
Im a victim of identity theft and Equifax is keeping reporting unauthorized fraudulent inquiries to my credit report, I did disputed several times but equifax never fixed the errors. I did contacted the financial institutions who reported these inquiries, they thankfully did sent me letters stating that theyre sorry and they will contact equifax to remove them from my report. I did sent copies of these letters to equifax many times asking them to remove them but their outcomes always saying the inquiries are accurate. I dont know what to do anymore. Equifax is giving me a hard time and insisted to report wrong inaccurate information to my credit report. 

Unauthorized fraudulent inquiries are : XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sent to the emergency room sometime last year and received treatment at XXXX XXXX and XXXX center. My health insurance XXXX  covered my medical treatment expenses while I was there, however I ended up seeing on my credit report that I supposedly owed a debt to XXXX XXXX XXXX XXXX XXXX XXXX  which was opened without my knowledge on XX/XX/2021. It appears that ACCOUNT RESOLUTION SERVICE is the company that is now alleging that I owe this debt to them which was already paid for by my health insurance company.

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 2023-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
WELLS FARGO CARD SER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.

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 2022-12-21
Company: EQUIFAX, INC.
State: FL
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. 
Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX. Account name : XXXX XXXX  # XXXX. Account name : XXXX  # XXXX, Account name 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 2022-03-31
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been reviewing my credit report over the past month, which I have hadn't looked over it in the past 8 months. I have noticed discrepancies, unauthorized pulls on my credit report. I have called each company that has pulled report, all 3 credit bureaus and I have tried to file a police report, per what the credit bureaus have told me to do and have not had any help in resolving this issue. I was told last week that I needed to file a complaint with the FTC, per Transunion and XXXX. I was told that this would be the only way I could get help with this issue, which is unfortunate. These companies are supposed to help relieve stress for the consumer, not drag them through hoops and stress. Below are the inquires I am disputing that were unauthorized nor an extension of any credit. I also have complaints about my correct spelling of my name and address on my credit report. On Transunion and XXXX I see many different variations of spellings of my name and many unfamiliar addresses. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All three credit bureaus show outdated information and inaccurate information. I filed serval disputes with all 3 agencies and they did not not remove information.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To start with, this is not my first attempt at resolving this particular issue. My credit score was updated on XX/XX/2023 to reflect a balance of {$390.00} from XXXX XXXX bank, which was false and illegal. Despite having a balance of {$0.00}, XXXX falsely generated this amount, resulting in a XXXX drop in my score. The creditor had not yet reported my account for the current statement period, and confirmed that my balance was {$0.00}. Despite this, XXXX claimed that the amount was reported. Although an investigation was opened, my score did not return to its original value, and the false remark was not removed from my credit report.

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 2022-12-21
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation