BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
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 status incorrect

Complaint:
I have sent dispute and validation letters but I haven't gotten any response. This information is inaccurate and must be properly verified and if not must be promptly deleted.

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a dispute with XXXX for inaccurate items on my credit. The items have not been 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 explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.

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 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 checked my credit report and noticed that I have  XXXX  account in collections with  XXXX   XXXX   XXXX  . I have no knowledge of ever obtaining this debt.

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 2023-02-01
Company: CL Holdings LLC
State: TN
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 items on my credit report that does not belong to me, that has been on my credit for almost two in a half years. Jefferson Capital in the amount of {$3100.00} for XXXX XXXX. Ive never had any XXXX accounts. Ive also requested the original signatures, and documents from when I first signed these documents. Company never send me these documents showing that these items belong to me. I have requested these items to be removed, but after time and time nothing has happened. I have sent in disputes, 601 letters and nothing has been removed. Iv reached out to all credit bureaus and nothing has been done. I wont this item removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX : {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Credit Karma, LLC
State: WI
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 applied for a " pre-approved l Credit card on credit karma and was denied and my credit score got worse when I was trying to make it better because it used a hard inquirey check but if I'm " pre approved I didn't think that would have happened I noticed there's a ftc lawsuit and I would like to be a part of it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I send a debt validation letter to this company. They did not respond to my request for validation. I also ordered them to cease and desist all collection efforts if they fail to validate and they continue to collect on this account and report this alleged debt to my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Credit Council Corp
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/18, I received a letter in the mail stating that this firm had been notified that my credit score had dropped between 450-600. They stated they could fix this. They stated bad credit could prevent me from doing certain things like buying a home or my next job.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: DE
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:
Its a vehicle listed on all XXXX credit reports with inaccurate information. Please remove it. Thank you.

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 2022-10-10
Company: Experian Information Solutions 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 XXXX 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 explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: NV
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 I sent a letter for inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that late payment be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EGL US, LLC
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC XXXX Attorney General

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXXXXXX Account # XXXX is not up to date. The negative information on it needs to be deleted. I have spoken with 3 reps and the was told the ( 1 ) 30 day late payment was not supposed to be on there because the system was down and did not allow payment to process. The following day it was deducted from my account however it still reported late not due to my fault. This was paid and has been on time for a long time. Remove this late payment from XX/XX/2020 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage has been servicing our loan since XX/XX/XXXX. 
In XX/XX/XXXX we filed for XXXX XXXX bankruptcy. Immediately after filing PHH has been trying to force us into default and foreclosure. They ROUTINELY returned our checks claiming they could not read our checks thus we would have late payments attributed to our account! During bankruptcy they added charges to our payment and even though we made the payment plus the additional charges they NEVER credited our account for the charges. They claim we are two months late, however even with shown proof they we are not late, and our payments are current they keep dragging us into bankruptcy court so they could get a stay and assess late fees as well as any charges they see fit. 
Unfortunately, we fell out of bankruptcy prior to completing our payment cycle. Now we are getting harassing letters telling us when we are in default when we have a spreadsheet showing they have received all of their payments. In fact, they hold over {$2000.00} in a suspense account because up until recently we have always paid more than the minimum payment. 
They do not honor the statement they print on the monthly statement : *Partial Payments : Any partial payments listed here are not applied to your mortgage, but instead are held in one or more separate suspense accounts. Once we receive funds equal to a full monthly payment, we will apply those funds to your mortgage. 
During the COVID crisis we did miss one months payment. We applied for COVID relief from them! They NEVER responded to us or our bankruptcy attorney. 
We want them to do a forensic accounting of our account and get their house in order and quit harassing us and threatening default! 
We are considering consulting an attorney to assist in a lawsuit against them. We are also aware of numerous class action lawsuits against PHH Mortgage for excess fees and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Self Financial 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: Old information reappears or never goes away

Complaint:
t always have a loan {$720.00} including pass due, I try called many times ask. No response from that account information. And how I can get the help and update my credit scores? I need to do re-Financial for my home. Thx!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: FL
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:
Equifax Credit Bureau has took more than 30 days to complete my investigation. Here is my certified mail tracking # XXXX delivered to Equifax on XX/XX/2022. 

On XX/XX/2022 I called the Equifax customer service department and a agent told me they do not have my documents. When I advised him I have a tracking number that they received my documents via certified mail he than stated they have the documents but it was not in their system yet. I then advised him its been more than 30 days that I have not received a update and he advised that I will receive a update in a couple of days but did not confirm why they do not have my documents in the system yet for investigation nor did he attempt to get the tracking information from me to confirm if they really received my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of complaint XXXX which was closed too early by Fay Servicing LLC XXXX The initial complaint was against XXXX XXXX citing forgery of XXXX XXXX XXXX signature to obtain a payoff for the outstanding mortgage loan. 
Fay Servicing failed to verify the authenticity of the signature, which could have been done with a simple phone call to XXXX XXXX or XXXX XXXX to verify authorization was given, yet it wasn't. 
Because of this failure, XXXX and XXXX XXXX 's PII was provided to an unauthorized 3rd party. 
Pursuant to the Privacy Act : Personally Identifiable Information ( PII ) is Information about an individual that identifies, links, relates, or is unique to, or describes the individual, e.g., a social security number ; age ; military rank ; civilian grade ; marital status ; race ; salary ; home/office phone numbers ; other demographic, biometric, personnel, medical, and financial information, etc. 
Fay Servicing failed to protect our PII in the following ways ( these are only a few points taken from the Privacy Act ; the official lawsuit will list out more detailed violations ) Record Any item, collection, or grouping of information about an individual that is maintained by an agency. This includes but is not limited to, education, financial transactions, medical history, and criminal or employment history and that contains an individuals name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph Security. Any organization creating, maintaining, using, or disseminating records of identifiable personal data must assure the reliability of the data for their intended use and must take precautions to prevent misuse of the data. 
We are still in pursuit of the forgery claim initially submitted against XXXX XXXX. We filed a police report, see attached, and have retained an attorney to take legal action in a civil suit in accordance with the law against XXXX XXXX and Fay Servicing. 

We ask the following : 1. Continuation of the forgery investigation against XXXX XXXX. 
2. Provide us with your legal counsel 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have given credit bureaus everything they have requested and they have found every way to stall so I have complained here. I mailed them my ID, MY social, and They have my letters from them and a recent bill to verify its me. I have sent them the FTC police reports also. Can you please remove the items and stop stalling. They told me 48hrs once i submitted the police report now they send me a letter asking me to use there dispute process. I have tried that but they are not doing there job.

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 2018-08-10
Company: LDF Holdings, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Original loan is for {$900.00}. Payback amount is {$4100.00}. I feel that this is in violation of Usury laws in the state of Oregon. They are also not licensed to loan in Oregon.

Company response to consumer: Closed with explanation