BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
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: Their investigation did not fix an error on your report

Complaint:
The company has not removed the fraudulent, unverified accounts from my credit report ; instead they " Certified '' the accounts are current and in good standing which is not the case. The company deleted only 1 of the disputed, unverified and fraudulent accounts despite the fact that I have provided a FTC Affidavit and a police report precisely naming all the accounts that are fraudulent on my credit file.. 

Also, how could the accounts come back as " verified '' and " certified '' with Experian when XXXX and XXXX were unable to validate or verify the same identical accounts, confirmed them as being fraudulent and followed the protocol for Identity theft victims and promptly deleted them all from my credit file? I find that highly suspicious so I am providing a copy of my credit file from both bureaus as proof along with the FTC report and Police Statement that clearly indicates which accounts are fraudulent. 

If the items are not removed, I fully intended to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the remaining unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand any and all of the following accounts be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint against CAINE AND WEINER located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, CAINE AND WEINER has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX Account number : XXXX Balance {$8000.00} XXXX XXXX has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site XXXX XXXX are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and TIGTA to do an investigation. 



THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, XXXX5 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2021, XXXX XXXX held our mortgage. Our last pay went was made to them well little did we know they sold our loan to FAY SERVICING LLC. Since XXXX of 2021 we have no been able to make a payment because they keep threatening foreclosure thru mail. I have called and called and called and I am at a loss at this point. My husband is the breadwinner, has had XXXX very serious surgeries which has made him unable to work. My daughter and her little boy who has XXXX  live with us and she tries to help as much as possible but only get his ssi. I need help with this company I just recently received a letter of my payoff and they added nearly XXXX in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There's information like wrong address and name that appear on my credit report. I sent all three credit bureaus a letter with my id and ss card of proof of in XXXX and XXXX letting them know this information on my credit report is wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX Account, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-02
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Me and my wife bought a house and get a XXXX loan. 
On XXXX first, we paid the first monthly payment, {$4100.00}. 
We sold our previous house and we want to Payoff our new property. 
I contact Selene Finance to get my payoff information. 
They took a long time to send me this information and we decided to start the payment process doing additional payments towards the principal. 
Between XX/XX/XXXX to XX/XX/XXXX, we paid XXXX almost daily, 15 times, to be exact, plus an additional payment of XXXX. Total XXXX. 
When we finally get the payoff information, it comes with {$78000.00}, a little weird because our balance was {$77000.00}, but it's ok we paid in full on XX/XX/XXXX by wire transfer. 
I've been calling them since XX/XX/XXXX trying to figure out why my balance is still {$77000.00}? I paid and sent the proof of payment by email 4 times, on 4 different days. On XX/XX/XXXX we open a " ticket '' on the phone with Selene to try to find where is my money, they give today, XX/XX/XXXX as a deadline to get a response. 
Today is XX/XX/XXXX, and my payment is still " not found '', Selene Finance didn't give me any answer. Every time that I call they ask me when I'll pay. 
They simply don't give me an answer about my money, it's a lot of money and they simply don't care and I don't know what I can do to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
Recently, I did an investigation on my credit report which is caused severed XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. 

Account info CREDIT ACCEPTANCE CORP Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan Payment summary 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 PAYMENT HISTORY LEGEND Status Open. {$5400.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$5400.00} Original balance {$11000.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms

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: Accurate Background
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accuratereach background check completed on XX/XX/22 listed XXXX XXXX identified with the last four numbers of my social security number. I have never used the name XXXX XXXX. This is identity theft. I notified multiple Consumer credit bureaus regarding XXXX XXXX using my social security number approximately 37 years ago. They placed an identity theft alert on my file. I request an update be added to my file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Wakpamni Lake Community Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This collection company called my sisters phone number and left a voicemail. When we called them back they were stating they are a lawyer office and were going to garnish my wages for a debt from XX/XX/XXXX. When I started asking questions she said she could not give me details on the loan. I asked who she worked for and she said an attorney in Delaware. She proceeded to call me ignorant and stupid because I kept asking questions about the original company as well as the company she worked for. She informed me they would be sending information to my employer tomorrow XX/XX/XXXX to start garnishing my wages. She called from XXXX ( XXXX XXXX XXXX and when I asked for her supervisor she refused saying she is the supervisor. I advised her I have not received any information regarding this debt and I would not be paying anything until I receive proof. She again proceeded to call me ignorant several more times.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-12
Company: Experian Information Solutions 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:
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, Account name XXXX XXXX XXXX  : # XXXX, Account name XXXX XXXX : # XXXX, Account name XXXX XXXX : # XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-01-20
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:
XXXX XXXX XXXX XXXX Account number : XXXX Balance {$8000.00} XXXX XXXX has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site XXXX XXXX are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and TIGTA to do an investigation. 



THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft

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 2020-03-12
Company: MoneyLion 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: Account status incorrect

Complaint:
In XXXX Money Lion Reported me 30 days late. Then they reported me late again in XXXX. I have never been late. I paid off a loan in XXXX. They said it was an error with there system never called me in email told me it was paid and on the phone. I had to resubmit the payment that was never late. I had no more payments after XX/XX/2019. I have successfully paid off 2 loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been paying our current mortgage after the refinance since XX/XX/XXXX with no late or default, however our original house appraisal was done in XXXX for the amount of XXXX ( during the purchase ), and the original loan for XXXX. Wells Fargo Mortgage is now saying to remove PMI from our loan we would have to pay off over 159,000 dollars ( current balance is XXXX dollars and an estimated value of over 370,000 dollars ). They have stated today that they have no appraisal on file. The Wells Fargo representative also stated that we would have to spend XXXX dollars to have a new appraisal done on the house by one of their representatives, and to dispute this we would have to have 2 other appraisals done by 3rd party licensed appraisers, which they may still not accept ( all in all over {$1500.00} ). We live on a 2 acre property in an area where land sales are going for over $ 40-50K/acre and I know for a fact that similar real estate in this area has sold for well over the $ 375K-400K mark. I do not trust Wells Fargo to do an honest and accurate appraisal, as it is to their best interest to keep the property value low, however I'm not in a position to pay over 1500 dollars to pay for all three appraisals only to have them turn over the appraisal and call what they have done accurate. 

Please help.

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 2022-08-17
Company: EQUIFAX, INC.
State: MN
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 went to XXXX XXXXXXXX XXXX XXXX  they told me they would pull me credit once but i had multiple hard inquires 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: First Credit Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 there was a company that continued to reach out to me to collect a debt. I continued to tell them that the debt was not mine and I wanted to dispute this. I am an XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize this. The company then charged it off and sent it to a collection company. Me and my wife have tried to get this dismissed or investigated before they sold it off to a collection agency. I have asked for documentation, contracts, and never received any of these items before they sent it to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-01-20
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX account Account number XXXX Balance of {$1500.00} I did not authorize this account and I did not authorize charges accumulated This account needs to be remove from my credit file immediately Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft

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