BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: Experian Information Solutions Inc.
State: TN
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:
To whom it may concern,  XXXX   XXXX ,  2017  I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which was  Inquires are a factual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n ot investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consum er In b est regards,  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: WA
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:
This company was paid in full. I found out that they were not licesnsed to loan in XXXX State. I cancelled the loan after the state told me that the interest was illegal. Found out that they are reporting a charge off erroneously on my credit report. {$1900.00}. Original loan was {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-08-07
Company: EQUIFAX, INC.
State: NV
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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the account is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXXXXXX 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 {$190.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-08-24
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX XXXX and XXXX  - XXXX  XXXX  XXXX. Please remove these accounts ASAP.

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 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I checked my credit report today, XX/XX/2018 and noticed that the XXXX XXXX  account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX XXXX credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX XXXX for 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 2023-04-06
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Allied International Credit Corp., (US)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ALLIED INTERNATIONAL CREDIT CORP, ( us ) reference number XXXX {$5000.00} is trying to collect on a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX is reporting an account fraudulently obtained by another individual to 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 2023-05-27
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$2.00}, XXXX XXXX XXXX  Balance {$0.00}, XXXX XXXX XXXX Balance {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CATHAY BANK
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XXXX XXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Cathay Bank account to the fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attached a letter regarding PHH mortgage. They're very unethical and purposely dragged the modification they were trying to do with me since XXXX of XXXX. In the end, which is XXXX of XXXX, they told me, because the amount of XXXX that I got behind since XXXX of XXXX, I was over their XXXX percent rule. 

I will tell you that when the forebearance period ended in XXXX of XXXX. PHH mortgage was the only servicer that did not try to lower my payment. I have several homes, i was on the brink of losing, due to covid 19. 

All other mortgage companies, lowered my payment and helped me. Phh on the other hand at XX/XX/XXXX did not offer any help, and when I asked for help, they dragged this entire modification all the way from XXXX of XXXX til XXXX of XXXX to tell me, sorry, XXXX XXXX, you dont qualify, either sell your home, or give us your deed in lieu, they also refused to refinance my home, because I missed my payments, and even when i paid them to make the account current. PHH told me that I would have to wait one year. 

This mortgage company had the intent to foreclose on my, because my primary residence has a lot of equity, and PHH knows this. They are the most horrible mortgage company out there. 

They only hire employees from overseas that are not trained, and they just tell me XXXX XXXX XXXX XXXX send this and send that, they gave me wrong emails, wrong information, and every agent I talked to would tell me a different document was requested. I can not believe that this company is even allowed to operate, when they are not in the business there logo which is " Helping homeowners is what we do '' This statement is fraud. 

They need to change their motto to " Helping homeowners IS NOT WHAT WE DO '' Is the correct statement. 
I am frustrated beyond words. I have been them on time for 10 years, and when covid 19 hit, my Mom died, my dad foot is XXXX, I have a young son XXXX XXXX XXXX. I am single Mom tried to support my entire family with problems. 

PHH mortgage needs to be investigated for their unethical practices of trying to take homes way from vulnerable people. I am sure I am not the only one out there, that has endured 6 months of phones calls, and documentation to be told SORRY ABOUT THAT. In a very customer services reps that care more about their roosters and dogs in the background, as I am begging for help. 

I hope someone reads this, because this was the worse experience I have had, and it has just been trauma after trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to report a serious error in my Experian consumer report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under the United States Code, Title 15, Section 1681i. The error pertains to multiple accounts from XXXX incorrectly showing unpaid balances on my credit report. I am seeking your assistance in rectifying this issue promptly.

Details of the Discrepancy : 1 ) Credit Reporting Agency : XXXX XXXX ) Incorrect Information : There are eight XXXX accounts currently reported as unpaid on my consumer report. However, these accounts have been legally discharged, and the balance is {$0.00}. The inaccurate reporting is in direct violation of the FCRA.

Relevant US Code : Fair Credit Reporting Act, United States Code, Title 15, Section 1681i - Procedures for Correcting Mistakes on Credit Reports.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene and investigate this matter thoroughly. The inaccurate reporting by XXXX has severe implications on my creditworthiness, potentially affecting my ability to secure loans, housing, or employment. According to the FCRA, I am entitled to a free copy of my credit report, which I have already obtained and reviewed, confirming these discrepancies.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting this complaint to you today to inform you tha I am a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

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 2023-05-27
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:
I have XXXX accounts on my credit report that do not belong to me, I submitted the dispute with Experian and they system generated a response to the dispute and marked it as verified without actually verifying the account and providing the method of verification or documentation used to verify such accounts XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Freedom Mortgage Company
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have a mortgage refinanced with Freedom Mortgage in XX/XX/2021 for 2.5 % fixed loan over 15 years. The company preceded with multiple escrow shortages notices. The last notice was received in the mail only 12 days prior to escrow overage payment due or I would endure mortgage increase. This is less than the contract required 30 day notice for changes in mortgage payments. When I had enough, I requested to have escrow account removed and I will be making tax and insurance yearly payments on my own to not have to go through the sudden choice to come up with the escrow shortage amount or have house note increased. Even when paid, my mortgage payments were raised to a lesser degree with explanation to avoid expected shortages or to make sure I have at least the required XXXX dollar amount in the escrow. 
I have since been bombarded with emails and have submitted for texts to be stopped- all regarding offers to get money to refinance. I do not recall this level of harassment from Freedom Mortgage prior to my current refinancing at 2.5 %. 
May main complaints are 1 ) The mortgage company did not provide contractual 30 day notice, by contract ( and I believe by law ) in order to allow time for me to come up with escrow shortage.

2 ) I am receiving frequent offers to get money to refinance. The interest rate likely will be higher.

3 ) I also receive letter notice my home insurance was going up with advertising for options with insurance. When I called my insurance, I was told insurance estimates had not been completed for the next year yet

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 2022-03-28
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received collection invoice from Rocky Mountain Professional Solutions XX/XX/XXXX I sent a registered letter requesting verification of the debt ( see letter ) dated XX/XX/XXXX On XX/XX/XXXX I received a response to my letter with billing copies but no proof of the debt as requested. I sent another registered letter XX/XX/XXXX ( see letter ) requesting again the actual proof of this debt being mine. They sent me another letter dated XX/XX/XXXX ( see letter ) with the same billing pages, but no verification of the debt being mine, as requested. 

On XX/XX/XXXX I sent another registered letter to them about their requirement within the law to provide proof of a debt being mine ( see letter ). on XX/XX/XXXX I received a registered letter and had to sign for that letter with the XXXX, in that letter they stated they did provide me validation of the debts. They just keep sending me the same pages of billing statements with no actual verification of the debt. This collection agency is clearly not complying with their responsibility under the law after repeated attempts and should cease & desist trying to purse this collection.

Company response to consumer: Closed with explanation