BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am making this complaint against XXXX, Experian, and XXXX. 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I have just recently tried building my credit and have just seen my full report for the first time and there are accounts on my credit report that are inaccurate and in direct violation of 15 UL.S.C 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have unauthorized inquiries and fraudulent address and names that are incorrect or not associated with me and want removed from my credit report. 15 U.S.C. 1681 n civil liability for willful non compliance any actual damages sustained by consumer as a result of failure or damages ( {$1000.00} ) please remove an provide me with exact source where you received this information and an updated refit report after the investigation of these accounts are complete. I want investigation outcome to be sent to my home address. This has seriously hurt me and put me in a position where I will take any legal action necessary to get this resolved as soon as possible. I have been informed that by law you have 30 days to complete investigation. 15 U.S.C. Section 1681i ( 5 ) ( A ) states that if you cant provide proof these accounts must be removed.

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 2023-05-25
Company: EQUIFAX, INC.
State: TX
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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: 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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 2021-10-27
Company: EQUIFAX, 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:
On XX/XX/2021 and XX/XX/2021 I sent a dispute letter to Equifax to remove incorrect information that is in direct violation federal law. 
This is a collection account, that is reporting as " OPEN '' collection accounts should not report as an OPEN account. There is a past due account reporting which on a collection account it can not be past due, this should be at a XXXX balance, In XXXX of 2021 in the two-year history randomly a 120 day late was reported, which is impossible to do on a collection account. 
They have not investigated this, nor corrected it. its been over 4 months and by law this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to XXXX & Transunion about an account that was not valid on my credit report. It's been over 60 days and they have not replied with the results. I'm distressed and 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 2023-07-19
Company: Marlette Funding, LLC
State: MN
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:
I was offered a settlement agreement with Best Egg. And that is to pay them XXXX in 24 months 23 payments of XXXX a month and final payment of XXXX. That equals XXXX. Now best egg is saying I have a past due amount, and that is showing my last 15 payments to be late, and now my credit is junk. I have an email from Best Egg explaining are agreement. All my payments have been on time from date on agreement XX/XX/XXXX to my last payment date of XX/XX/XXXX. Also they have the wrong balance due amount and the length of agreement it is 24 months not 36 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been submitting multiple with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Credit Bureau ' send. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
Company: EQUIFAX, 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: Account information incorrect

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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You sent this information to the Credit Bureaus and they said everything was verified. I asked for proof from the credit bureaus but none was ever give. According to the FCRA the credit bureaus must give me the proof that i asked for to validate these accounts. I asked for the name of the person validating their position their mailing address and their phone number. I never received any information, but everything was verified as correct. I am also attaching a copy of the request and letter that i sent to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Credit Karma, LLC
State: MD
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:
Subject : Unjustified Credit Score Decrease by Credit Karma and XXXX I am writing to express my serious concerns regarding the consistent and unexplained decrease in my credit score as reported by Credit Karma and XXXX. Despite my impeccable record of 100 % on-time payments, my credit score has experienced an inexplicable drop of XXXX points as of XX/XX/2023. This alarming development has occurred despite Credit Karma 's own admission that there have been no changes to my XXXX credit report. 

It is particularly disconcerting that this significant drop in my credit score has transpired in the absence of any adverse changes in my credit profile. All my financial obligations have been met punctually, and there have been no delinquencies or negative entries on my credit report. In fact, Credit Karma is not refreshing the proper updates to my my most recently paid bills to reflect the right credit score. Credit Karma does not fairly and accurately change my credit score when I make all monthly payments on time. Credit Karma fails to set the checkmark for the correct most to recently paid bill. Doing so only allows my score to drop without reason and it never increase for paying on time. 

I have meticulously reviewed my credit report daily, and it is evident that there have been no alterations, neither positive nor negative, that could reasonably justify such a substantial reduction in my creditworthiness. As a conscientious consumer, I rely on the accuracy and fairness of credit reporting agencies to maintain the integrity of my credit profile. 

This unjustified credit score decrease not only affects my financial well-being but also raises concerns about the accuracy and transparency of credit reporting practices. I strongly believe that consumers should be provided with accurate and consistent information regarding their creditworthiness. 

In light of these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter. It is crucial that such issues are addressed promptly to safeguard the rights and financial interests of consumers like myself who have diligently upheld their financial responsibilities. 

I am prepared to provide any additional information or documentation required to assist in this investigation. Your prompt attention to this matter is greatly appreciated, as it will contribute to a fair and transparent credit reporting system for all consumers. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am confused. I believe Huntington bank has not filed a proper release of lien letter for XXXX XXXX XXXX in XXXX XXXX PA. I have tried to contact them but no response.This loan was fromXXXX I believe they filed it in Ohio, but I dont believe it was transferred to XXXX count?. Could this be why XXXX XXXX  did not pickup their release of Lien? I apparently don't have clear certificate of Title. Perhaps the title search show that the Lien filed in Ohio but does not show up in XXXX County PA? Please tell them to file the release of lien in XXXX County PA. Or provide a quit claim document to me from them and file in XXXX count PA. It shows they filed the Lien in XXXX County, they should be able to file the release in XXXX county as well? This is causing a cloud on the title and prohibiting me from getting a certificate of Title and refinancing. 

I request they provide an Abstract of title for XXXX XXXX ensuring their job is complete and I will not have any more issues. In addition I as they provide me a Warranty Deed to ensure this will never happen again. 

Thank you, Huntington Case # : XXXX CFPB Case # XXXX XXXX XXXX After recording return to : The Huntington National Bank XXXX XXXX XXXX, XXXX XXXX XXXX Oh XXXX Parcel # XXXX AND XXXX SATISFACTION PIECE Pennsylvania Loan Number XXXX I do hereby certify that this address is the property address and belongs to the mortgagor : XXXX XXXX XXXX XXXX PA XXXX XXXX Name of Mortgagor : XXXX XXXX XXXX AND XXXX XXXX XXXX , HUSBAND AND WIFE Name of Mortgagee : THE HUNTINGTON NATIONAL BANK Date of Mortgage : XX/XX/12 Original Mortgage Debit : {$280000.00} Mortgage Recorded on XX/XX/12 in the office of the recorder of deeds of XXXX County, Pennsylvania , Township of XXXX recorded in Mortgage Book/Volume XXXX Page XXXX Document Number XXXX said mortgage assigned to NA in book NA page NA further assigned to NA book NA page NA. No Legal Required The undersigned hereby certifies that the debt secured by the above mentioned mortgage has been fully paid and discharged and that upon the record in hereof said mortgage shall be and is hereby fully and forever satisfied and discharged. 

In witness whereof as The Huntington National Bank as caused this instrument to be executed in its corporate name by its XXXX XXXX XXXX, Assistant Vice President on XXXX XXXX. 
The Huntington National Bank XXXX XXXX XXXX, Assistant Vice President STATE OF Ohio COUNTY OF XXXX On XXXX. XXXX, XXXX before me, the undersigned notary public personally appeared XXXX XXXX XXXX who acknowledged XXXX to be the Assistant Vice President of The Huntington National Bank and that he'she as such being authorized so to do, executed the foregoing instrument for purposes therein contained, by signing the name of the corporation by himself'herself as such corporate officer. In testimony whereof, I have hereunto set my hand and official seal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a complaint with BBB regarding a account that is not legally mine. Included in the documents sent by Credence they state the account was under contract in a different legal name that I have never had nor used. My legal name is XXXX XXXX XXXX. They have this account legally belonging to XXXX XXXX. I have sent a verification letter certified to this Collection Agency, and they sent back verification with a bill. They can not provide adequate proof of this account legally belonging to me. This is against my rights as a consumer. I am attaching the documents as proof of this false account being reported on my consumer report with all the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am making this complaint against XXXX, XXXX, and Equifax. 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I have just recently tried building my credit and have just seen my full report for the first time and there are accounts on my credit report that are inaccurate and in direct violation of 15 UL.S.C 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have unauthorized inquiries and fraudulent address and names that are incorrect or not associated with me and want removed from my credit report. 15 U.S.C. 1681 n civil liability for willful non compliance any actual damages sustained by consumer as a result of failure or damages ( {$1000.00} ) please remove an provide me with exact source where you received this information and an updated refit report after the investigation of these accounts are complete. I want investigation outcome to be sent to my home address. This has seriously hurt me and put me in a position where I will take any legal action necessary to get this resolved as soon as possible. I have been informed that by law you have 30 days to complete investigation. 15 U.S.C. Section 1681i ( 5 ) ( A ) states that if you cant provide proof these accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over the last 6 months, Equifax sends online notification their investigation is complete and to view the results. Every time I try viewing the results using the confirmation given, an error page shows up. I may wait a few days same thing. Equifax does cooperate with assisting with an dispute they are not an unbiased organization created over 50 years ago. Equifax is the only credit bureau giving me a XXXX score ( poor ). Equifax the only credit bureau that plays games on the world wide wide. 

I received several notifications that account information was changed that need my attention updated by Equifax pertaining to XXXX and XXXX XXXX in conclusion of closed CFPB complaint regarding both creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
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:
Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number ( XXXX ) XXXX they are not removing this report from the record, every time i run my credit they showed up, this company charge me 1 years or more longer ego but still not removed from my file, i will file complain to court if they still dont remove it, they do not have right to leave this info on my profile which i paid long time ego.

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 2023-05-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a car lease and a car loan with XXXX XXXX. It was paid on time and in full. My credit score was lowered due to no record of an installment loan or mortgage. The credit agencys information is incorrect since Ive had a lease and loan This does not show on my credit report. I have a notarized letter from XXXX stating I paid in full and on time. The credit agency refuses to accept it from them stating that they did not originally report it to 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 2022-01-12
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a home in XX/XX/2021 using Loan Care LLC in Virginia. In XX/XX/2021 I asked the mortgage company if I could do split payments for my mortgage. They said they could do it and one of my payments were split up from one week to the next. The next month they called me and said that I was missing a payment, I told them that someone from their company told me I could do split payments or biweekly. They said that was not possible and they could not do it. I said OK and authorized to have full payment processed from my account in the amount of {$490.00} every month, the woman I spoke with on the phone from the mortgage company gave me a confirmation number. 

Today they called me this morning around XXXX XXXX  and stated I was behind two payments on my mortgage, I told him I did not understand and that in XXXX I was told I was already set up for automatic payments ( which you can do over the phone ) they told me they did not see in there system anything was authorized for that. The woman I spoke on the phone with first stated my last payment that was supposed to be processed in XXXX was canceled as soon as I got off the phone after I had already authorized it. I asked what was the reason for that and she said the woman who spoke with me Might have pressed the wrong button or something. I immediately asked to speak to a supervisor. I explain to the supervisor what was going on and she stated she would waive the late fee which is only {$16.00}. I now owe {$980.00} to Loan care. I also provided the supervisor with a confirmation number I was given by the person I last spoke to she stated that number did not exist in their system. 

I asked the supervisor why the woman I spoke with last time would give me that confirmation number if it didnt exist she stated she did not know and they would look into it. 

This would be the third time they have forgotten to process my payments correctly This is also taking a hit to my 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 explanation