BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: National Credit Systems,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 am writing to report a critical issue regarding my credit profile, which has been compromised due to identity theft. National Credit System ( NCS ) has reported damaging information regarding a {$1200.00} debt that I am wrongly associated with. Despite my efforts, NCS and XXXX XXXX XXXX XXXX XXXX have failed to provide any supporting documents or address the situation adequately. 

Attached to this letter, you will find a police report confirming that I, XXXX XXXX XXXX XXXX, have never resided in XXXX, Florida, where the alleged lease was established. This evidence, coupled with the lack of supporting documentation, undeniably proves that this incident is a case of identity theft, not a legitimate debt. 

I urge the Consumer Financial Protection Bureau to promptly rectify this matter by removing the inaccurate information from my credit report. This fraudulent debt is jeopardizing my ability to purchase an investment property in a timely manner, and its presence on my profile has severe financial implications. 

Furthermore, I request a thorough investigation into who these individuals are who have comitted this fraudulent charge. National Credit System and XXXX XXXX XXXX XXXX XXXX  have yet to provide any documents such as lease or ID. i provided a police report which also says that i have no ties to anywhere even remotely close to XXXX Florida. By holding these entities accountable, you will not only safeguard the integrity of your credit reporting process but also protect innocent individuals from the detrimental effects of identity theft. 

Thank you for your attention to this matter and for your swift action in resolving it. I have confidence in the Consumer Financial Protection Bureau 's commitment to fair and accurate credit reporting. 

Please contact me if any additional information or documentation is required to assist in resolving this issue. Your understanding and cooperation are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2023-05-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 


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 2022-06-04
Company: REGIONS FINANCIAL CORPORATION
State: AZ
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:
Ive disputed 4 late payments listed in my auto loan history with Regions bank because I made those 4 payments the day before the XXXX day.. It was their payment processing system that took extra days to process and in turn made the payment more than 30 days late.. Ive contacted them several times yet no help.. Ive had this account for going on 4 years now and have had no other issues with late payment

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 2018-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I ask that a manager simply review the notes in the file on just how many times underwriting has unnecessarily delayed the file by requesting documents already and file and even previously confirmed and documents completely irrelevant for example tax returns. I personally have explained the fact there are no tax returns because the borrower is retired and doesn't file a dozen times, there is even a letter of explanation on file. Something is requested, I explain via phone call, the person I speak to puts a note in the system to explain to underwriting, the request is squared away only to have something else come up the next week and the exact same process has to repeat again and again to the point of insanity. Just when it finally seems like the nightmare is over and I am told underwriting approved the file and the just need mortgage insurance to sign off ( even though there wasn't mortgage insurance on the last offer months ago when we got approval ... ) I find out today that they need a BPO because the one they have on file is expired. they state the bpo they have on file is from XX/XX/XXXX but I know for a fact a BPO was completed on the property on XX/XX/XXXX. The only way I can explain how this file has been reviewed and what ive had to deal with whilst negotiating the short sale is abuse. 

Read the notes, and one would see why this file is about to make me quit my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: UT
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 writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnisherXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report for the 2nd time this year, previously in XXXX. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report, unless you want to be held to {$1000.00} per violation. In addition, there has been a violation of my rights according to FCRA, with violations of 15 U.S.C 1681 section 602 A. Stating I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2. Stating a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2018-08-31
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Made a payment on XX/XX/XXXX and committed to making another payment on XX/XX/XXXX in efforts to pay the passed due balance as currently the vehicle is sitting over 60 days passed due. I have made the lender aware of the situation but they continue to call me several times a day ranging between 2 and 5 times. I have juat started a job and am currently undergoing XXXX XXXX screenings. I have assured the lender i am going to pay them. Im also dealing with a custody battle and a divorce. I am overwhelmed with life and everytime my phone goes off it gives me an anxiety attack. Them calling me so much is affecting my health and i am having to constantly having to look out my window just to make sure my car is still there so i can make the money to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FCRA ; The list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX  Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( 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.

15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2018-08-31
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage is claiming that the home loan to value ( LTV ) mus be 75 % in order to request a drop of private mortgage insurance ( PMI ). According to the consumer protection act of 1998, the PMI can be requested removed at 80 % LTV and must be automatically removed at 78 % LTV. I have never missed a payment, and recently ordered an appraisal which gave me an LTV of 78 %. PHH is refusing to drop the PMI after we followed the proper steps or requesting the drop in writing, having an appraisal, and being current on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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: Investigation took more than 30 days

Complaint:
XXXX complaint open on XX/XX/2022 40 days and is still open and in Violation of FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. 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

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 2018-08-31
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: Credit inquiries on your report that you don't recognize

Complaint:
I obtained a cop of my credit report and noticed unauthorized inquiries i immediately called the three reporting agencies they all gave me the run around even going as far as saying i was lying and implying it was me i wrote letters to all three bureaus ( XX/XX/2018 ) only to not get a response and i still call to no avail at this point im just tired of being on hold for some rude person having a bad day to question about calling in.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Back in XX/XX/2022 I was charged {$850.00} for a charge thru XXXX, I responded ASAP to Citi Cards and told them I did not make that charge. They investigated and only took half off on the dispute sometime in XX/XX/2022, saying I still owed {$420.00} so they said they would dispute that amount. and on the XX/XX/2022 statement the amount of {$420.00} was not even showing on the statement, but it was included in the bill and they were trying to get me to pay it by sneaking it into the statement. I called them and they said not to pay it, so I didn't and then on XX/XX/2022 I called them because they had put a {$6.00} Interest charge on my bill for not paying the {$420.00} bill.So the lady I talked to says she was removing the {$420.00} and the {$6.00} interest charge and told me to call Citi on Monday XX/XX/2022 and get a status update..I did and they didn't know anything about it and they told me they reopened it and it would be resolved by the end of this week. This issue has gone on for over 90 days, for which even your own site says they can't go that long on a dispute. My credit cards in previous months were fraudulently used like 2 or 3 times and each time Citi Cards would stop the card. They have issues at there business with people doing fraudulent claims wnhen it happens to me that many times, all my other cards I use have no probelms like that.

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 monetary relief
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
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:
Back on XX/XX/XXXX I opened an account with XXXX which was a loan. After a few months of paying it off, they stopped taking my payments from my account. I attempted to contact them multiple times through email and phone. Every time I contacted them I was either unable to get through to a person or they just refused to help me. 
The account in question is : XXXX XXXX Acct. # : XXXX XXXX This is a pattern with this company as according to the XXXX XXXX XXXX they have received multiple complaints regarding this exact same issue : XXXX  files indicate a Pattern of Complaints concerning fulfillment of transactions, billing errors, and customer relations for XXXX XXXX XXXX XXXX has noted a significant spike in consumer complaints filed since XX/XX/XXXX, and consumers are telling XXXX  about the issues they are experiencing with their accounts and the company 's customer service department XXXX A number of consumers say they have problems making loan payments, experience errors or holds in transactions they attempt when using one of XXXX 's financial products. Other customers claim the confusion and technical issues with their XXXX accounts have resulted in missed payments being reported to credit bureaus ; some of which consumers claim are erroneous and have to be disputed. Many consumers allegedly attempt to contact the company to resolve their problems but end up frustrated and without resolution by the lack of communication by the company. As of XX/XX/XXXX, XXXX  is still noting persistent issues in complaints about account issues ( frozen or closed accounts, credit report errors, missing or delayed application of payments ), as well as numerous claims about the lack of sufficient customer service to address the reported problems. 

I have filed multiple disputes and complaints regarding this company, all of which have been unsuccessful. I have been repeatedly trying to have this issue resolved over the past 3 years but due to XXXX 's deceitful and unlawful tactics, I have been unable to come to a fair resolution.

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