BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Freedom Mortgage on XXXX XXXX in order to exit the covid 19 forbearance program. I was told that I would get a decision within 30 days. We were approved for the cap and extend motification. However they only offered to drop the interest rate and extend the loan only one month past the original loan date. Our mortgage would be more than what it was pre-pandemic. 

We have called aleast 7 times in the past month and each we get someone different and different information each time about our options for repayment and about what is needed in reference to our request to extend the loan out to 360 months and to get a lower interest rate. 

Each time we are told that our request was going back to the underwritter for correction and that we would receive the updated documents They keep assuring us that it will be fixed and we have nothing to worry about .Still over a month later we are dealing with the same issues and with no resolutions. Each person are telling us someting different and are promising to fix it only to call back again just to go through the same thing again after spending hours on the phone. We need help with resolving this.

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 2022-05-26
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX  2 times already regarding the collection of {$88.00}. They said i didnt have to pay the debt. Bc it was a mistake on their end. And they would talk to collection agency to take off. They than took it off my credit and a month later put it back on. I now called a third time to have the same response thats they will contact the agency and have it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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:
In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, 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 explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: CO
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 been filing complaints for 2 years and nothing has been resolved the only thing the XXXX and XXXX and Experian is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about XXXX inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XX/XX/XXXX until XX/XX/XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these  investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 non-monetary relief
Consumer complaint received 2022-12-19
Company: Paypal Holdings, Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This has to do with pay pal and started way back in 2014. While moving from place to place personal information was collected by individuals that were helping out until a place could be found to live. This put private information at mercy of the home owner by means of controlling the US mail and as well communication via the internet. After leaving said residence the homeowner or main occupant still has the mail and keeps for self or does right thing and hands over even after change of address, which can be stopped by homeowner by accessing mail of said victim. With that said the homeowner now has access to bank accounts and debit cards and financial institutions of said victim and all is exposed leaving victim helpless and now bullied harassed and helpless. Any complaints made to banks or credit card companies PayPal XXXX and on and on are pushed away and not addressed because said homeowner has taken over identity. Homeowner is said to be the perp of an XXXXXXXX XXXX XXXX by XXXXXXXX in a different state that has not been convicted due to the reason of running. So this homeowner has been using said victim for many years and taken everything from said victim XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. So many business here and many people involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: PA
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 submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX  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 an account without my written instructions. 

1. This is not my account 2. I just received my Social Security Card in XXXX of 2022, it's not possible. 

3. I have included proof of Social Security paperwork in attachment.

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 2022-05-26
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX and XXXX  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 an account without my written instructions. 

1. This is not my account 2. I just received my Social Security Card in XXXX of 2022, it's not possible. 

3. I have included proof of Social Security paperwork in attachment.

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 2018-05-16
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting items on my credit report that are result of identity theft. I am victim of a organized crime ring where crooks stole my identity to obtain loans, credit cards and other things. I supplied Experian with a police report ( that I completed in person with a police officer at the police station ) and my FTC ID Affidavit which was signed by the same officer at the police station ( in person ). 

Experian deleted one account that was mentioned in the above legal documents. There are other accounts they did not remove which is a violation of my consumer rights. According to the FTC and FCRA, if a ID theft victim submits a ID Theft Affidavit that is signed by a police officer, CRA 's by law are required to block the noted accounts withing 4 business days of receiving notice. 

I spoke to XXXX at Experian 's XXXX, TX office who's part of " XXXX XXXX '' yesterday. She informed me that my police reports and ID Theft Affidavit were being verified by Experian 's security department. She then went on to say once the documents are verified they will block the noted accounts. Experian verified my reports yesterday evening however only blocked one item that was mentioned in the legal documents and not the other accounts. 

Not to mention, the accounts that they did not remove are not complete ; they are all missing important data such as incomplete payment histories, no monthly payment, statuses listed as " unknown '', balances left blank and much more. These errors causes my credit score to suffer and does not paint a complete picture to creditors of my credit worthiness. This in turn will cause me to not be approved for credit and/or receive higher rates and costs than usual. 

At this point I am starting to believe Experian is purposely being non-compliant and negligent, which is all grounds for a civil lawsuit pursuant to FCRA section 616 and 617. I am at my wits end, if these accounts are not removed immediately I will be left with no choice but to file a civil lawsuit in my county naming Experian as a defendant. Please note that if it gets to this point I will be inluding and asking for compensation for every error Experian has made on my credit report within the last 5 years- which is A LOT! I will also submit a FTC complaint and contact the Attorney General in both our states to rectify this problem.

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 2023-01-17
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-02-14
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In a previous complaint : XXXX Gurstel Law Firm P.C., On XX/XX/XXXX, 2020. filed an erroneous " Company 's Response '' to the CFPB. 
Containing a misleading statement and supported that criminal act of perjury with a fraudulently altered document. 

1 - Statement : Verse 7 : Reads " The complainant is encouraged to send the executed stipulation and the first monthly payment of XXXX to the firm on or before Friday, XXXX XXXX, 2020 ''. ( See attached file : Response ) 2 - The Falsified Stipulation that was uploaded to support this claim States : Verse 4A : " Monthly payments of {$310.00} beginning on or before XXXX XXXX, 2020 " ( See attached files CFPB pg 1 and 2 ) 3 - Two days later. On XX/XX/ 2020. Gurstel Law Firm submitted to the Utah Court, a different version from that which it provided to the CFPB. Which states : Verse 4A : " Monthly payments of {$410.00} beginning on or before XX/XX/ 2020 " ( See attached files : Utah Court pg 1 and pg 2 ) 4 - XX/XX/XXXX vs XX/XX/XXXX 5 - These criminal acts were committed with the intent to hide the truthful Amended Stipulation, submitted to the Utah Court. Which is " Incapable of Performance ''. Intentionally created with an expired " Beginning Payment Due Date in an attempt to Defraud the Defendant of {$4100.00}. 

6 - The intended Scam is to prevent the Defendant from being in compliance with the stipulation. Then force the Utah State Court to change the amount from {$7500.00} to {$11000.00} due to noncompliance. The difference being {$4100.00} 7 - {$11000.00} is the payment amount listed in the original stipulation that the complaint was about. Gurstel Law excused it as a company error. Evidence of yet. Another lie. 

8 - In a statement from Gurstel Law Office. Lawyer XXXX XXXX XXXX, Utah State Bar ( XXXX  ). Too ridiculous to explain. Please read his statement and argument to the court as an excuse for the fraudulent statement and altered document.

( Court Doc pg 1, 2, 3 ) 9 -  In this statement. He lists Gurstel 's Compliance Attorney as the person who committed the actual crimes of perjury and falsifying the document. Her, ( no name given ) superior officer, The Compliance Officer, is XXXX XXXX. The CEO of Gurstel Law Firm. 

10 - Then in closing arguments. The Plaintiff, XXXX XXXX XXXX is implicated as being a co-conspirator in this Scam. 

11 - After the first complaint. I received a call on XX/XX/2020 from XXXX XXXX. A representative of XXXX XXXX XXXX The phone number on my caller ID is : # XXXX. She may be the co-conspirator link for XXXX XXXX XXXX. As referenced by Mr. XXXX XXXX XXXX. Attorney for the Gurstel Law Firm P.C.

Please Investigate the criminal acts. Committed towards your own Agency. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 U.S.C 1681 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

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