BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: IN
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'm on my third dispute resolution for the same problem with the Equifax company. Both XXXX and XXXX resolved my dispute in my favor on the first request. It seems that Equifax is unwilling to contact XXXX XXXX regarding the information and dates I have provided them, and rather checks only with the collection agency, XXXX XXXX XXXX. To no ones surprise, XXXX continues to say I owe a XXXX XXXX  monthly charge that was billed after I closed my XXXX account. 

The dates in question are as follows : On XX/XX/2021 I called XXXX XXXX and closed my account. I also turned off my autopay feature online on that same date. I was told and got a subsequent email to the same effect that my account closure would be immediate, as in that same day. My autopay billing cycle each month ended on the XXXX, and since XXXX bills a month in advance per their statements and website, I was paid up through XX/XX/2021. I was told on this same phone call to pay the {$10.00} termination fee which I did online. 

While traveling the following month I received a bill for {$52.00} for another month of service from XXXX XXXX, and by the time I returned I found out it had been turned over to XXXX XXXX XXXX for collection. I filed disputes with all three credit agencies and XXXX and XXXX deleted the inaccurate charge from my credit report upon my first request, but Equifax for whatever reason seems to have no interest in doing so as well. 

I would greatly appreciate your assistance in getting Equifax to carefully review my complaint and invalid charge with XXXX XXXX and ask them to remove this entry from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: GA
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 explanation
Consumer complaint received 2021-08-08
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has failed to pay my insurance company from Escrow. When I contacted Freedom Mortgage about this, they informed me that they did not receive an invoice from the insurance company. I contacted the insurance company, and they informed me that they re-forwarded and faxed the invoice and payment information to Freedom Mortgage at the appropriate address. My insurance policy is at risk of cancellation because of Freedom Mortgage 's failure to make payments from escrow in a timely fashion. There is an excess balance in the escrow account associated with my mortgage, and Freedom Mortgage has still failed to make the payments. I may lose insurance protection and be at risk of becoming homeless due to weather, fire or any number of other catastrophic events if the bill is not paid. Additionally, Freedom Mortgage is in direct violation of its obligations to the USDA as the servicer of the USDA-funded mortgage that I have. Freedom Mortgage has exhibited a concerning disregard for their legal obligations to borrowers and the public under 12 CFR part 1024.

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 2022-11-05
Company: EQUIFAX, INC.
State: NV
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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NY
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 have loan with XXXXXXXX XXXX XXXXXXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}

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 2023-02-05
Company: Hunt & Henriques
State: CA
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:
Just received a letter from court, the debt was closed by the company. It has been harassing since XXXX. 10 years this is Harassment to the fullest extent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Avant Holding Company, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 I was notified that my account had been blocked due to potential fraudulent activity. I logged into my account and seen XXXX fraudulent charges. I called customer service to start the dispute process. The charges were credited back to my account on XX/XX/2022. The fraud charges posted on XX/XX/2022. A new card was ordered. I called customer service on XX/XX/2022 at XXXX to have my new card unblocked. I spoke with several reps and they are all refusing to activate my account again, they are telling me it can take months for them to turn my account back on while they investigate all fraud that happened on other consumers cards in the same manner as it happened to me. This is absurd and uncalled for. They charge me an annual fee of {$60.00} to have the card. Why would I pay them {$60.00} annual fee when I cant even use the account and at that dont know when the card will be back on. This card issuer does very shady business practices. I want my annual fee waived permanently due to the inconvenience this bank has caused me. {$1000.00} limit and a {$60.00} annual fee when my XXXX XXXX XXXX is XXXX. Thats got to be a joke. I have credit cards with no annual fees and limits high as XXXX on some. Who gives a borrower a $ XXXX limit with a {$60.00} fee with a score of XXXX. I have a XXXX card else where with {$60.00} annual fee, that i see feasible due to a bigger credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: OH
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 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 XXXXXXXX 15 U.S.C 1681 section 602 A. State 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 reports 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 reporting agency if the person knows or has reasonable cause to believe that the information in 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 2020-07-29
Company: Experian Information Solutions Inc.
State: NY
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:
Two disputes about Derogatory information were submitted to Experian with filed supporting documents, after two weeks Experian stated that both account were updated without providing any valid explanation what soever regarding their action, on the other hand those same accounts with the same supported documents were disputed with XXXX and, they deleted those two accounts. I don't know why Experian is acting that way.

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 2022-07-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXAcc # XXXX XXXXAcc # XXXXXXXX XXXX XXXXAcc # XXXXXXXX XXXXAcc # XXXXXXXX XXXXAcc # XXXXXXXX XXXX XXXX-Acc # XXXXXXXX XXXX XXXX-Acc # XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 section 2 also state a consumer agency can not furnish an account without my 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The XXXX breach exposed my information, so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. These disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 


XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXXXXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. 


By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

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 2016-10-24
Company: CW Financial
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
US Bank, as Trustee, sued for foreclosure on my property. I have become informed about the particulars of the role of US Bank and their role as a corporate trustee because the bank disseminated to the public - statements which specify their duties and role as a Trustee for mortgage loans. To wit, US Bank states as follows, " US Bank, as trustee for thousands of securitization transactions involving many XXXX mortgages, is often mentioned in media reports about foreclosures. While trustees are listed on mortgages, and therefore in legal documents as well, as the owner of record, its interest is solely for the benefit of investors. The trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans which is reserved for the servicer. As noted the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. '' US Bank Corporate Trust Services also states that it " does not initiate, nor has any discretion or authority in the foreclosure process. '' I received a letter from US Bank Corporate Trust Office, Corporate Trust Services, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX from XXXX XXXX dated XX/XX/2016. The complaint # XXXX was in connection with Account/CUSIP # XXXX. The property is located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX 's letter referenced another address. This complaint is in connection with Account/CUSIP XXXX and XXXX also for the same property located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I am seeking clarification of US Bank 's role in those accounts as specified herein and for the specified property.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-13
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted GM FINANCIAL concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Be advised your credit reporting agencies; was informed they are furnishing inaccurate and incorrect information about this consumer. The reporting of such an accurate information has caused me severe damage to my character of my reputation by general mode of living in my ability to obtain credit personal and household purposes you in your in accuracies reporting have damage my livelihood. 15 US C code 1681s-2 responsibilities of the of information to consumer reporting agencies. ( B ) reporting information after notice and confirmation of errors approach and show the furniture information relating to a consumer to any consumer report the agency if ( I ) The person has been notified by the consumer at the address specified by the person for such notice the pacific information is in accurate and the information is in fact in accurate Prohibition a law or regulation forbidding something as defined by internal Revenue Clearly States a canceled or change off is considered income, Gross Income or ordinary income. The reporting of these accounts as debt is inaccurate.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Theses accounts needs to be immediately deleted they was file

Company response to consumer: Closed with explanation