BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
unverified items listed below remain on my credit report in violation of Federal Law. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

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 2022-12-03
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: Information belongs to someone else

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-12-30
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: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : XXXX. for XXXX. XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : [ XXXX, XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They reported a debt I never owed on my credit report I never owed. 
The company never gave a validation of the actual accounting of the debt, proving that the company will sustain an actual loss if the debt goesunpaid. 
The company never provided the identity of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX is reporting a charge off form XXXX XXXX that is past the statute of limitations in my state and in violation of the USC 1681 2 ( a ) ( 1 ) and USC 1681 s2 and USC 1681 a. They have no right furnishing my personal experieence with outside CRA without my prior autorization. this is a vilation of my Consumer rights. Also XXXX XXXX is repeatedly harassing me with settlement offers, emails, and phone call even after the statute of limitations has passed in my state which is a grave violation of the FCRA and the FDCPA.

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 2023-12-12
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
FOR XXXX YEARS AFTER FILING XXXX PROR COMPLAINTS WITH CFPB COUNTRY WIDE MORTGAGE HAS CONTINUED TO MISAPPLY MY PAYMENTS AND MOST RECENTLY APPLIED MY LARGE PAYMENT TO SOMEONE ELSES ACCOUNT. THEY HAVE CONTINUED TO FALSLEY REPORT LATE PAYMENTS TO THE CREDIT BUREUS AND I CONTUE TO SPEND HOURS WRITING LETTERS, SENDING COPIES OF CACELLED CKS, AND FINALLY CONTINUE TO NOT GET ANY RESULT THAT WOULD INDICATE THAT THESE MIS APPLIED PAYMENTS WOULD NOT LONGER CONTINUE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: LA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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:
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 for 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 2022-12-04
Company: EQUIFAX, INC.
State: MI
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 recently sent a dispute stating that they are reporting inaccurate and unknown information on my credit report. To this day they still have not removed it and I am attaching proof that it is totally inaccurate reporting. I am furious this is still on my credit report. I also have been seeing big lawsuits against these guys which is a big concern and I am ready to file for litigation if they do not remove after this. They are violating multiple laws and I never heard of half of these accounts they are reporting nor gave them permission to put it on my report. 

I have pretty familiar with Fair Credit Reporting Act and consumer law and will list the violations. 

These are the accounts that still must be removed. 

1. XXXX  XXXX Acct # : XXXX This account is not mine and it has different information across the bureaus and I am attaching proof. 

2. XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached 3. XXXX Acct # : XXXX Never even heard of this company and they are all reporting different information and it must be removed. Proof attached 4. XXXX XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached THESE ARE THE LAWS THEY ARE VIOLATING 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.

I understand they are in a lot of heat right now and all I am asking is that they finally remove these unlawful accounts reporting so I can acquire credit as this is hindering me. I am filing with CFPB to document all of this if I have to file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX I applied for a home equity loan with XXXX XXXX XXXX to do some much needed dire home repairs to my homestead located on XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX 
I was approved for the loan ( {$65000.00} ) with no problem since I have a good credit score, however as the process moved along with the title company ( XXXX XXXX XXXX XXXX  ), they informed me that there was a judgment lien on my property since XXXX of which I was not informed. 

The company who placed the lien in is called Midland Credit Management XXXX XXXX XXXX XXXX, MI XXXX. Legal collections Account number : XXXX. They are claiming that I used a credit card back in XXXX and that the debt was never paid. This is not my debt and it is now preventing me in moving forward with dire structural repairs needed in my home, hence the reason I am applying for a home equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XXXX a person called me, pretending to be USAA spoof from a phone number that looked identical to my bank. He told me he was from the fraud department collected. My had already collected all of my information on my account login to commit a scam telling me he was from my bank fraud department while we were on the phone. He transferred money around and threw XXXXXXXX XXXX to an account he had established. I told USAA immediately to stop the payments on this when I figured out that it was a scammer, and they clarified they had not called me, however they would not stop the payment and now they will not refund me for fraud or do anything about the scam that happened to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been on SAVE repayment plab for over XXXX month, which I was told would have interest waived, unfortunately this has not happened, instead have been accruing nearly XXXXXXXX XXXX interest per month Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX To whom it may concern : I need assistance from your agency. 

On my Equifax credit report, a collection agency by the name of XXXX XXXX XXXX XXXX, has placed a fraudulent {$64.00} medical collection onto my credit file. 

This collector did not verify this debt prior to ruining my name, and credit rating with this debt that is not mine and has never been mine. 

I do not owe this fraudulent debt, and I want it immediately removed from all of my credit files, from all of the credit bureaus. 

About 8 years ago this collector did this same thing through Equifax, they placed medical debts onto my credit files of a deceased person that I do not know, nor have I ever known. 

This collector has placed medical collections onto my credit files, for a deceased person by the name of XXXX XXXX, along with addresses that I do not know, nor have I ever lived at. 

They have had Equifax, along with the other credit bureaus to add a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to my credit file. 

I have never lived at this address, nor do I know anyone there. 
I want this fraudulent address information removed from all of my credit files, as well as the medical collection that I do not owe, and is not mine. 
. 
On top of damaging my credit rating with a debt that isnt mine, this collection agency is breaking Texas statute of limitations law. 

The collector claims that this debt from whomever, became delinquent in XXXX, then they report it onto my credit files in XXXX of XXXX, a 6-year-old medical debt, violating Texas law. 

As previously stated, I want this fraudulent medical collection, as well as the fraudulent address information removed from ALL of my credit files with all of the credit bureaus, and I want hard copy written proof that that has been done. 

Equifax has to do better ; they have allowed this collector to wrongfully ruin my credit in the past. 


cc : Attorney Generals Office cc : The Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello again. 

Every response from Mr Cooper is carefully crafted to read as if Mr Cooper has been on top of their mistake. I assure you, after months of my time, efforts, and financial sacrifices, they have not been. Thus, my complaints. I am fling yet again. 

( re : Mr Cooper failed to pay my monthly insurance policy, resulting in a sudden raise of my monthly mortgage payment and an escrow shortage. ) Prior to the CFPBs involvement, I'd paid 3-4 months of additional monies to Mr Cooper as a result of Mr Coopers mistake and asked that those over-payments be reimbursed to me, as well as the extra {$1000.00} I sent into escrow to cover this " shortage '' ( caused by Mr Cooper for non-payment of my insurance ). Since CFPB 's last inquiry, my escrow has been further compromised and I am suspicious of fraud. 

I am currently receiving three billing statements per month from Mr Cooper. They still notate a {$13.00} shortage ( impossible ) that has been applied monthly to my bill, which I must pay. But when I call, both the system and a representative tell me my escrow is POSITIVE {$2400.00} ( reflecting all of my over-payments ). Mr Cooper is still trying to take monies from me. 

I have been incredibly patient and inconvenienced of time, money and sacrifices in handling Mr Coopers mistake. Enough is enough. Who is responsible for holding them accountable? I want this matter resolved. I am a responsible homeowner and always on time with my obligations/ payments. Mr Coopers inability or unwillingness to amend their error and correct my account remains a large disservice to me. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
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:
There are several inquiries on my credit file that I did not give consent or approval for. This is a violation of the Fair Credit Reporting Act. I want the inquires removed immediately if not I will file a cas on Transunion and each creditor that requested credit without my consent, Transunion would you please provide the IP address and drivers license info used to apply with the creditors. Transunion youre violating my rights just know that. The creditors that requested a credit pull without my consent is listed bellow XXXX XXXXXX/XX/2022 I did not give creditor permission XXXX  XXXX XXXX  I did not give this creditor permission XXXX XXXX  XXXX XXXX I did not give this creditor permission XXXX XXXXE- XX/XX/2022 I did not give this creditor permission XXXX XXXX  I did not give this creditor XXXX I just purchased a product which allows me to keep my credit report locked and only unlock them when I need to apply for credit. Please do not put any alerts on my credit file. Thanks 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 2023-06-27
Company: Opportunity Financial, LLC
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I just went through a bunch of statements that were sent to me and man, there are so many mistakes! I need some proof to clear things up. Can you provide me with some documents that break down the finance charge? I want to know exactly how you calculated it, including stuff like the average daily balance and periodic rate for each period. Oh, and if you used the Federal Reserve prime rate, make sure to factor in any changes that affected the interest. Did you use the average daily balance method? And did it include or exclude new purchases? Also, if the finance charge includes insurance to protect the creditor, tell me what type of insurance it is ( like legal or debt suspension ) and how much it cost in each period. How did you miss all these errors?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently reviewed my credit report and found that there were numerous pieces of inaccurate information which is very upsetting to me. These errors are affecting my ability to get a car which in turn is affecting my ability to get to work. I am on the brink of being fired and I need these errors corrected immediately. This is a flagrant violation of my rights and insist you remove these inaccuracies from my report at once.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: TX
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-01-13
Company: EQUIFAX, 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 information incorrect

Complaint:
Hi, I am a natural living person. ( Please see attach court document ) The credit bureaus have been reporting false, inaccurate credit reporting dollar amount on my account. The two XXXX XXXX accounts listed below are court agreed amount. The credit bureaus amounts are in accurate and false reporting monthly on my credit report account I have reach out to them to get this changed and it still not changed. Account name : XXXX XXXX XXXX XXXX # Account Number XXXX XXXX this has violated my rights false dollar amount of {$2800.00} this is different from the court agreed judgement.. Account name : XXXX  XXXX Credit Card # Account Number XXXX XXXX this has violated my rights false inaccurate dollar of {$3800.00} this is different from the court agreed judgement. Account name : XXXX XXXX XXXX # Account XXXX XXXX XXXX has violated my rights false dollar amount of {$5700.00} sitting on my credit with no proof its mine, I have called, send mail and its still no proof this account it mine and they wont remove from my account. They work with these companies to put false inaccurate information on credit report even if there is no proof.

Company response to consumer: Closed with explanation