BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CO
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I began to notice multiple accounts being opened up on my Credit report even though I was not applying for any credit and owned nothing. I assumed this was due to Identity Theft and began reporting the accounts one by one to the credit bureaus. Wrong information included names, past addresses, phone numbers, and of course a multitude of credit cards. Fast forward to XXXX - I had removed most of these false accounts and learned how to properly lock my accounts setting up security 's for all bureaus. Two accounts still managed to stay on my report including a XXXX credit card ( Owing {$800.00} ), and a XXXX XXXX XXXX XXXX XXXX card ( {$6000.00} ). Both have now been sent to Collections. I've spoken to XXXX XXXX since this account opened in XXXX and reported this issue to them. The representative confirmed they had no open accounts matching my social security number - So why was it on there? Information I was able to provide to the representative pulled up no active or closed accounts. At this time I would not have been approved anyways as my credit was in the 500 's. I did not even qualify for an entertainment center. Recently I've found it this account has now been sold to Midland Credit Management XXXX XXXX  debt collector. Not only did XXXX XXXX not remove this account after confirming I did not own it, but they sold the debt so I now have to deal with communication through a debt collector who was unprofessional and interruptive claiming I was lying. Both XXXX XXXX and this MCM have been spoken to and I am again waiting to hear what they determine. After reporting this to Social Security, All credit bureaus, XXXX XXXX  XXXX, and both debt collectors, I genuinely feel like none are serious about assisting me in these matters. I was again directed to a third party, this website, by the social security office even though I explained my information is being mixed up with someone else. At this point I am just going through all the steps given and continuing to be honest and report these 2 accounts that are not mine. That is all I can do. Hopefully by the time I am in my 40 's this will have some resolve since the work I've done over the last XXXX has not meant anything. Currently XXXX still unable to purchase anything on my own and being given the run around by all places claiming to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: TRANSWORLD SYSTEMS INC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Transworld Systems - XXXX XX/XX/2019 - XXXX XXXX  Called cell phone XX/XX/2019 - XXXX XXXX   Called cell phone Do not own a debt with anyone but continue to call. 

Need to stop calling ( Harassment )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
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:
All three credit bureaus XXXX, Experian and XXXX override my disputes on fraudulent and inaccurate accounts on my credit report, I have submitted numerous disputes but with no explanation they continue to rule against me. This has destroyed my credit and business and living Oppurtunites. I am in the process of filing a class action lawsuit and will be filing a complaint with the Federal Trade Commission. 
I am a government employee and I had to freeze my credit just to try and protect myself, one case I paid off my home and they decreased my credit score they penalize me for not having a large amount of debt, need 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 2021-06-16
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently applied for a mortgage and attempted at getting a pre-approval. When the lender sent me back some items that I would need correct I noticed a debt for NCA for {$420.00}. I contacted NCA today ( XX/XX/XXXX ) verified myself on the phone with a female representative who asked if I ever lived at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I stated to her I have not lived in the state of XXXX  since XXXX. My last known address in XXXX  was XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which is my parents old address. When I moveXXXX XXXX XXXX in XXXX my address was XXXX XXXX XXXX XXXX XXXX XXXX  till XXXX when I moved to XXXX, XXXX. The representative stated that this account was a credit card opened on XXXX using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a apartment lease proving I was not living in XXXX  at no point in XXXX. My credit has never been great so I can definitely recall how many credit cards I have a had in my lifetime. The representative stated that there was a dispute on this account that said this debt DID in fact belong to someone else. When I asked how I could get this taken care of so it could stop affecting my credit in a negative way she said to contact FTC.gov and start a dispute and email them @ XXXX for it to be reviewed and possibly removed. She stated this was not a guarantee for them to remove this debt and if it could not be proved that this debt is mine then I would have to pay it. I have no recognition of this account for a XXXX XXXX Credit card with a balance of {$420.00}. I was not and have not loved in XXXX  since XXXX and In XXXX when this credit card was opened I was living in XXXX XXXX. She also stated that she could not see the opening credit limit but there were No payments made at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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 2016-10-12
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage Loss Drafts Department which refuses to release insurance claim proceeds. 
All checks received from XXXX insurance have been endorsed and sent to Nationstar Mortgage. As requested, all documentation required and listed in the Nationstar Loss Drafts Department package has been provided on timely manner and required inspection took place twice at our property. The second inspection was on XXXX XXXX, 2016 and repair has been approved for release all funds. The website says the funds have been released in 6 days. However Nationstar mortgage makes all possible way do not pay the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with United Wholesale Mortgage. currently my taxes and insurance are impounded and paid by United Wholesale Mortgage. The disbursed a total of {$8800.00} from my escrow account to pay my XXXX XXXX County Tax bill. This money has not been received by XXXX XXXX County and I've been charged penalties of hundreds of dollars because of this. Not only have I received penalties for the non payment of my property tax I've also lost my interest rate while trying to refinance my loan. I've been calling United Wholesale Mortgage for over a month and they have no resolve. I also sent them a copy of my delinquent tax bill. These taxes were due months ago and I really need a resolution. I don't pay my bills late and this has caused me a great deal of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I would like to file a claim against TransUnion to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's does not correct on XXXX. XXXX responded stating that all information was removed and requested TransUnion to remove the same information as well. However, all of the incorrect information still remains. Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of Identity Theft. Someone has my personal information, and has been putting in for credit application. I was just became aware of this the morning of XX/XX/XXXX. These are the following creditors that have pulled my report, and the dates. Some of them have pulled multiple times from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have applied for the XXXX multiple times, even prior to my current loan servicer, which is MOHELA. Every time my request was denied. Recently, I received a notice that the signature of my employer is not sufficient ; however, upon denial of my XXXX request, Mohela recognized my military service prior to 2006 but does not recognize the service as identified by my unit administrator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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.The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 usc 1681A states I have the Right to privacy.

15 usc 1681 section 604A 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 than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXXXXXX XXXX  acct # XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX & XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXXXXXX XXXX XXXXXXXX acct # XXXX & XXXX XXXXXXXX XXXX XXXX  acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX acct # XXXX & XXXX XXXX. XXXX acct 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 2021-06-16
Company: Bread Financial 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: Account status incorrect

Complaint:
XX/XX/XXXX Comenity Bank Victorias Secret Credit Card company reported my account status as " discharged through ch. XXXX bankruptcy '' with a status date of XX/XX/XXXX and will continue on record until XXXX. Creditor also closed account. 

Sent certified letters to Comenity Bank VS Credit Card, XXXX Credit Bureau, XXXX XXXX Credit Bureau and XXXX Credit Bureau on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with proof that this account was NEVER included in Ch. XXXX BK in XX/XX/XXXX. I sent in my Discharge papers with my schedule F showing Comenity Bank was NEVER listed. 

Comenity Bank credit line was increased between XXXX, never late, never missed a payment, very seldom had an owing balance. Creditor closed credit line due to this inaccurate credit reporting. This is negatively affecting my score and me obtaining credit. 

Comenity Bank along with all 3 Credit Bureaus refuse to correct the reporting information. They are reporting that I discharged this credit card in XX/XX/XXXX and report that it will remain on my credit report until XXXX. This is completely false and inaccurate. 

I did file Ch. XXXX Bankruptcy in XX/XX/XXXX, discharged in XX/XX/XXXX. Never included Comenity Bank Victorias Secret Credit Card, I have NOT refiled BK and couldn't if I tried as I am only going on 6 years discharged. 

I have taken great strides in rebuilding my credit, never getting in over my head and never missing a payment. I would never even consider filing BK again. This inaccurate reporting is severely affecting my credit and I am being declined credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XXXX  Balance : {$3100.00}

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 2020-06-10
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:
See attatched XXXX Confirmation Settlement Letter dated XX/XX/XXXX XXXX : XXXX credit card ending XXXX SETTLED XX/XX/XXXX, XXXX see attactched XXXX XX/XX/XXXX MC XXXX {$100.00} DUE. My private secure data from the XXXX OPENED THIS ACCOUNT XX/XX/XXXX. EXPERIAN & XXXX  RELY ON INACCURATE CREDIT REPORTING FROM THE CREDITOR XXXX. *** I DID NOT OPEN ACCOUNT. **** CRAs REFUSE TO VERIFY THE DRS LICENSE & SIGNATURE. USED TO OPEN ACCOUNT.

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion owns XXXX XXXX, XXXX reported that my score was XXXX for XXXX XXXX and XXXX, until XX/XX/XXXX when it was reduced to XXXX. 
I applied for a loan with XXXX XXXX On XX/XX/XXXX. I was denied the loan and told they based this on information from TU. TRANSUNION had told XXXX XXXX That my credit score was only XXXX, nit XXXX that Transunion was showing me. 

Why is Transunion reporting to me one score but then reporting a lower score to lenders?? 

Please see attached image showing no change during the time of thw request XX/XX/XXXX. Then reference the PDF email which shows TU telling XXXX XXXX a much lower score. 

Its been my experience that if you catch someone doing fraudulent and deceptive dealings, that is most likely NOT the first time, nor the last. That's just the time I caught them.

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 2022-11-05
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 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 1681A states I have the Right to privacy.

15 usc 1681 section 604A 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 than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX XXXX acct # XXXX & XXXX XXXX XXXX acct # XXXX XXXX. XXXXXXXX XXXX XXXX  acct # XXXX XXXX. XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX & XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXXXXXX XXXX XXXXXXXX acct # XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX  acct # XXXXXXXX XXXX  XXXX XXXX. XXXX acct XXXX XXXX

Company response to consumer: Closed with explanation