BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
Company: Self Financial Inc.
State: MI
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 will need proof these 2 SELF accounts are mines. I have no knowledge of any account with you and I have been trying to resolve this matter. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
On XXXX XXXX XXXX my mortgage was transferred from XXXX XXXX XXXX XXXX XXXX to rushmore servicing.up to that date my loan was up to date at 2 % monthly payments XXXX XXXXXXXXwhen my loan transferred a illegal increase to {$1500.00} in monthly payments from illegal escrow charges for tax and insurance when these are included in my monthly payments.the letter attached clearly states the transfer does not affect any term or condition. My loan was not modified in any way. On XXXX XXXX XXXX all my arrears were paid and my mortgage reinstated and paid up until XXXX XXXX when my mortgage was transferred to the same company with illegal fees and charges breaching mortgage that was in place

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: LendingUSA
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been contacted three XXXX 3 XXXX times between the hours of XXXX - XXXX XXXX today ( XXXX XX/XX/2021 XXXX about a payment that is on automatic withdrawal for the XXXX of the month. This payment date was clearly established by me with the company ( XXXX ) through the website XXXX. Despite the fact that I have had to repeatedly tell these agents that my payments are automatic, they are harassing me. I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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:
This letter that was submitted to the credit bureau shows it was a paid-for deletion account, and they are unwilling to delete the account from the credit report. XXXX has removed the account, but XXXX and Equifax failed to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: DISCOVER BANK
State: GA
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:
Id like to file another complaint against Discover again. It took them over 10 months to resolve a fraud case that occurred on my account. Initially, they wanted me to pay {$5600.00}, and I told them that Im refusing to pay that amount because Im protected under the fair credit bureau act, and the legal authorities all confirmed that I dont owe a dime to them because theyre the victims now. They would lie about my statements being over {$4000.00}, so I would draft that amount out of my XXXX XXXX account and pay them, that balance would never drop, and when I called them they said they never received a payment, but theyre using underhanded tactics to scam and try to get more money from me. They would send me fake emails saying thanks for paying {$84.00} when I never paid them that amount saying that it was probably auto draft payment, and thats a lie because I never enrolled in auto draft options. They would re-open a closed account and send me a replacement card after I filed for fraud, which made no logical sense saying that was the default option meaning that they would take my personal account and make changes without my permission or knowledge beforehand and make things up as we go. So, I would have to call back and close the account and reject the replacement card because I never consented to such illegal activities. It took them 10 months to resolve fraud activities on my account which had detrimental effects on my credit score. It went from good standing XXXX something down to XXXX because it took them that long to figure out the fraud activities on my account. Now theyre asking me to send a final payment of {$1600.00} which I would like to dispute because theyre disregarding the laws and rules here that protect consumers from any liabilities related to fraud. So, Im filing this complaint because ( 1 ) My credit score got messed up because it took them a long time to resolve a fraud claim ( 2 ) Theyre asking me to pay more money which Ive compensated them enough for in the past by forwarding over {$4000.00} that shouldve covered the balance that never dropped a few months ago, and theyre denying to recognize that Im protected under the law from fraud and any charges thatve accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I am receiving a collection request from Portfolio Recovery Associates. They claim I have a un paid balance of {$230.00}, from XXXX. I paid this balance of 6 years ago, I have not used this card since I unfortunately got rid of the paid bills just recently because I thought that you only had to keep these item for 5 years. 
I do not want to pay this again, and do not no what to do I am asking for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Southwest Credit Systems, L.P.
State: MA
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:
A certified letter was sent asking to validate my with Southwest Credit, they failed to do so. I do not owe Southwest Credit, nor do they have any contractual agreement for payment from me the debtor specifically. Therefore, they must remove such inaccurate and negative information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Self Financial Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion credit Bureaus have not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$1900.00}

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
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.

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 non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: CA
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 ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019, I received an email fromTransUnion regarding a dispute that I have on my credit report. 

The email stated that the results where ready for review and all I had to do was log in to their site to view the results. 

Prior to calling TransUnion, I attempted several time to login with the pass words that I created, also their web site would not allow me to up date my pass word. Please note that other than the web site in the email sent to me on XX/XX/XXXX, I tried other websites listed on the internet for TransUnion, with the same results. 

Today XX/XX/2019, I have spent over two hours attempting to log into my account and trying to speak to someone in their Tech. Support Dept. I was given several tel. number provided by TransUnion employees to call Tech. Support, each time, I received the run around. ( Telephone numbers I called : XXXX ; XXXX ; XXXX ; XXXX ). 

They said they checked my account against the personal information that I gave them and they could not understand why I could not sign in. 

This is not the first time I have encountered problems with TransUnion. All their agents have a foreign language making it difficult to understand them. 

TransUnion needs to education there on line employees much better than what they are doing now.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: PA
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 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: In progress
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All 3 credit bureaus continue to report bankruptcies that don't belong to me ... ... all 3 claim to have verified these bankruptcies with the courts ... but the courts clearly state that they don't provide any information to any 3rd party including Credit Bureaus. So these bankruptcies are being reported incorrectly ... inaccurately and unlawfully ... .per the FCRA.

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 2018-09-04
Company: CREDIT ACCEPTANCE CORPORATION
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: Information belongs to someone else

Complaint:
Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}

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 2023-04-19
Company: Experian Information Solutions Inc.
State: CA
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 was hit by a car as a pedestrian a month ago and have been unable to get any type of financial assistance ( e.g. loan, credit ) due to CRA not abiding by the law. 

I submitted my dispute to Experian on XX/XX/. Experian responded stating they were working on a response on XXXX. Experian did not finish investigation until XXXX CRA took 49 days to complete investigation. The law states that if a CRA doesnt complete its investigation within 30 days, CRA is legally required to delete the disputed items. CRA has not deleted the disputed items. CRA is not abiding by the law.

The law : 15 USC 1681i ( a ) ( 1 ) ( A ) : " Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' I demand that Experian comply with the law as it is written and immediately delete the following itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-12
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if I never applied for the XXXX XXXX account XXXX XX/XX/2018 and have sent them a letter from XXXX XXXX  stating the account was opened fraudulently? I have also filed a police report and a FTC REPORT. 

15 U.S.C 1681 section 602A. 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 written instructions.

15 U.S.C 1681 ( 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. 1681-2 ( 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
I filed a dispute with Experian on XX/XX/XXXX advising that I received a letter from XXXX XXXXXXXX XXXX, dated XX/XX/XXXX, denying a credit application that was filed under my social security number. I never submitted this request so this means someone used my social security number. I was advised that it will take up to 72 hours to process and up to 30 days to complete the investigation. I received a determination 2 hours after I filed my dispute that the hard inquiry will remain on my credit report. This is outrageous. I also filed a report with the FTC.

Company response to consumer: In progress
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Without waring or reason, my card was closed last year by Elan Financial Services. I now need copies of my 2020 statements for tax purposes, and can not access them online. I would like the statements to be electronically delivered to me. If not, they can be mailed to my current address.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: PA
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 went to try to apply for a loan and my credit was pulled i became aware of multiple inquiaries that do no belong to me and due to these incorrect reading on my report its making it impossible for me to move forward in my daily living

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: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation