BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
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 XXXX XXXX  Account XXXX has violated my rights. 

15 US Code 1681 Section 602 States I have the right to privacy.

15US Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Section US Code 623 ( s ) ( 5 ) : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Experian Information Solutions Inc.
State: NV
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:
I have submitted several disputes to Experian, XXXX and XXXX regarding incorrect information listed in my credit report and have not received any responses back from Experian or XXXX. I thought that there was a law that says they are supposed to respond within a certain amount of time like 30 days or something like that. Well it has been way longer than 30 days and I haven't heard anything. I've sent my letters regular mail and certified mail and still nothing from Experian and 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently checked my credit report and I noticed numerous inaccuracies on my report this is affecting my well being and my way of life and causing me stress and anxiety and I am the author of this complaint

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 2022-04-29
Company: EQUIFAX, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
EXPERIAN has consistently misreported my credit usage! After bringing my credit card balances down to below 30 %, EXPERIAN has not changed my credit usage in 3 MONTHS!!! This is wrong and a violation of the Fair Credit Reporting Act. EXPERIAN NEEDS TO CORRECT THIS IMMEDIATELY or I will file a complaint with the Attorney General 's Office in the state where their corporate office is located. They have 30 days to correct this then I will file an additional complaint.

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 2022-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a forbearance plan XXXX while continuing to make payments. XXXX was not crediting my account for my payments. XXXX then moved forward to place me in a modification that escalated from {$130000.00} to XXXX costing an additional {$10000.00} and increasing my monthly loan payment an additional {$1000.00}. I have reached out to XXXX for explanation for the increase without resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I demand a copy of the instrument of definitive documents of a second mortgage. From the Mortgage Servicing company PHH Mortgage which is formally Ocwen Mortgage Servicing company. 
I`ve had this mortgage for a number of years with the original lender XXXX XXXX XXXX Please provide documents for the discrepancy and the balance being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: NC
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:
I recently filed a dispute request with the credit reporting agency where I advised that a collection account listed as Fair in & out / Invitation Homes showing on my credit report was a result of Identity theft at that time I provided proof of the account, the police report and a letter stating the accounts was a result of ID theft as communicated to the collection company the credit bureau has refused to remove the account from my credit file dispute being notified I provided my ID, police report and proof of address in this letter please assist me in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: NV
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2023, I sent a certified letter to XXXX the letter was then received on XX/XX/XXXX by the bureau and action was taken on this I disputed this account multiple times. I checked my credit report the XXXX loan and XXXX account was added to my report without my consent and my account number is not fully stated on either account. I would like both of these accounts removed from my credit report as this information is not verifiable.

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 2022-08-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have received and reviewed my updated credit report today and Im stunned to see that the same disputed accounts to which I considered to be incorrect and suspicious, due to their inaccurate details, were still up and showing on my files. Ive been trying my best to reach out from the credit bureaus ' office to have it corrected and be effectively removed from my credit history, but all of my efforts were left unresolved. These errors youve kept on furnishing will definitely hamper my credit ratings and destroy my reputation as a consumer. 

I have asked for the reinvestigation of these accounts in my previous letter but I never even received a response coming their side to update me of the result. This time, I will continuously urge them to remove these misleading accounts from my credit report : 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 non-monetary relief
Consumer complaint received 2023-09-08
Company: ATG Credit, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've reported the original creditor which was time payment and it was taken off and then they have sold it to a multiple collections companies and I have to keep fighting them. Atg was the last collection company and I had it removed. Atg has proceeded to change the amount to add this identity theft collection back to my credit profile. I don't know what type of account this is and I've asked several times for proof of what type of account this is and the only thing they send me is a payment schedule they don't tell me what kind of collection is this. I don't know if it's a credit card a loan I'm not for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS # XXXX XXXX XXXX - LAST 4 SS # XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves

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 2022-07-31
Company: EQUIFAX, INC.
State: OH
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:
Filed disputes with credit company after very short time they claimed accounts were verified and remaining on credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They claim they verified and remain these companies have not proved ownership of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-29
Company: EQUIFAX, INC.
State: CA
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
US DEPT OF EDUCATION ACCT # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION # XXXX. 

In accordance with the Fair Reporting Credit Act, my rights been violated...

15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information.

15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report.

15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.

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 2015-09-23
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been called and send letters that I missed my XXXX XXXX XXXX house payment. Yet they cash the check on XXXX XXXX and on XXXX plus called I have been treated very rude and nothing is being done to resolve my issue. I have faxed them the cancelled check and they still demand another check. The entire staff I have talked to XXXX and they will not listen and hang up or put me on 30 or more minutes hold. They are not trying to resolve my issue and I have paid and they are threathen me with bad credit and late payments even while they have process my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2021-04-11
Company: TRANSWORLD SYSTEMS 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:
I originally wrote Transworld systems ( TSI ) about a {$140.00} collections they put on my credit report of XX/XX/XXXX for a XX/XX/XXXX XXXX XXXX utility bill. I wrote and called to both XXXX  and XXXX  in XXXX and XX/XX/XXXX and showed proof that I didn't owe it and they all refuse to take the Transworld collections off my report. TSI put a collections on all three credit bureaus for a Utility bill that originated from creditor XXXX XXXX. The house where the XXXX XXXX bill originated from was sold in XX/XX/XXXX and the XXXX XXXX utility bill originated in XX/XX/XXXX. I had already MOVED and SOLD the house IN XX/XX/XXXX. All outstanding bills were settled or transferred to the new owner. I was not made aware of this bill because I did not live at that house since XX/XX/XXXX and never received notification although I had a change of address with United States postal service and all mail was being forwarded by United States Post office to my new address. I sent Transworld Systems copies of the notarized documents showing the sale of the property in XX/XX/XXXX. I also enclosed United States Postal Service mail forward form from XX/XX/XXXX showing that I moved at that time. 
Based on the aforementioned, Trasnworld system should remove the collections from my report. I even I called Transworld systems numerous times and they keep giving me the runaround and told me to call the XXXX XXXX. Transworld systems is the collection agency for XXXX XXXX and there is nothing XXXX XXXX can do. Transworld is responsible for the collections that was put on my credit reports. I called XXXX XXXX, I disputed the collections with XXXX XXXX  and XXXX, but XXXX was the only one who removed the collections. XXXX and XXXX will not take it off because transworld will not budge and do what is right despite me writing, calling and showing them notarized documents that I sold the house in XX/XX/XXXX. 

I even paid the {$140.00} because I'm trying to refinance my home and although it is paid and wrote to every high authority at Transworld system they will not remove the collections. This is a form of oppression to keep my credit scores low so I will not be able to obtain a better standard of living. I SOLD THE HOUSE and THE THE BILL WAS GERNERATED AFTER the sale and I showed proof. The bill was generated and sent to collections years AFTER I MOVED! There is nothing I could have done to have known about this bill or paid since I moved out of the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

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