BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-08-01
Company: EQUIFAX, INC.
State: TX
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, depo

sited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a alert on my credit report from my fico. Describing my information being available on the dark web, After the alert, I had several credit cards that were charged fraudulently without my approval. I would like these removed from my credit profile. And the accounts closed for good. This is affecting my credit report. Tremendously and has caused a economic and financial Burden.

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 2022-11-18
Company: EQUIFAX, INC.
State: NY
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Sequium Asset Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was diagnosed with XXXX XXXX right before the Governor of Oregon State shut us completely down in 2020. After the removal of a XXXX XXXX XXXXXXXX and a XXXX XXXX I phoned all Creditors that I felt I didnt need and canceled their services as I was out of work from the shut down and facing huge Medical bills. I asked on several occasions to XXXX where to ship my equipment ( it is still in a box in my trunk ), they refused to give me an address and told me I only put off the servicefor a couple of months. They started back up without me knowing and not once sent me a bill. So, they said I owed for several months. How is that possible when they never even sent me a bill? I pay my bills. I have 100 % paid ON TIME in my Credit History. I feel this I a total scam. I do not owe them ANYTHING. I will gladly return the equipment tomorrow if given an address. Thank you for listening. You are more than welcome to check my Credit. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of significant concern regarding the accuracy of my credit report. After a thorough review of my credit history, I have identified inaccuracies that are adversely affecting my credit score and limiting my financial opportunities. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
Upon reviewing my credit report from your bureau, I noticed several instances of reported late payments that I believe are inaccurate. These late payments are erroneously attributed to my account and have been persistently impacting my credit score. I have attached a copy of my credit report with the disputed items highlighted for your reference. 
I would like to request a thorough investigation into the accuracy of these late payment entries. I have always made timely payments, and these inaccuracies are unjustly affecting my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of these inaccurate late payments from my credit report. I kindly ask that you conduct a prompt and thorough investigation into the matter, verify the accuracy of the information, and make the necessary corrections to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortage with Mr. cooper my loan payment is due on the XXXX of every month I processed my payment on XX/XX/XXXX and received confirmation it was processed however it never came out of my checking account I am in the process of trying to refinance my loan and to my surprise I did not have my payment made I then reprocessed my payment on XX/XX/XXXX during this whole time I have been in contact with Mr. Cooper to find out they have changed something with their computer systems and my payment did not process. I was promised no fees will be charged I was promised I will not be penalized for this issue however I continue to get harassing e-mails telling me I am late and advise reporting me to for being late. Well, the other day my payment for the XXXX of XXXX was rejected as well now I owe 2 payments and I am in tears. I called yet again and again I have been calling every day I kept getting told have patience etc. So this person told me that they can not see my banking information online any longer and I provided my information over the phone. I am currently still waiting for this to post. It has not again I have confirmations I have e-mails etc. But I am being charged a late fee they are reporting me for being late and are sending me nasty e-mails. I am beside myself at this time as all I ever get from them is I am sorry!!!!! Sorry doesn't buy my groceries which I currently can not afford as I have no money as I still owe XXXX payment as I have to wait till payday XXXX to make that one. In the mean time XXXX XXXX can not go on with my refinance due to all this aggravation I am beside myself and well quite broke please help me! I really can not do anything but pay these XXXX payments I am a single person with a XXXX daughter I care for please. I am tired of hearing we are sorry and nothing more and nothing happens

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Verisk Analytics 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:
XXXX consumer inquiry center. XXXX XXXX has a loss claim for property and it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Information belongs to someone else

Complaint:
I have tried to dispute these items directly with the agency and companies and they refuse to remove items below. I did a third dispute XX/XX/2022 and the amounts vary between XXXX different accounts : {$800.00}, {$6000.00} etc

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 2023-01-02
Company: Resurgent Capital Services L.P.
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 NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged debt agency, LVNV Funding and customer service was horrible. They sent me a letter claiming another alleged debt agency have file. ( EVIDENCE ATTACHED ) They are robbing, badgering my credit with no explanation on an erroneous alleged debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX 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 2022-01-28
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with SLS Specialized Loan Servicing # XXXX that was under an 18 month Covid forbearance and once that time period ended I requested a deferral and was under the impression from day one that it was a viable option for me. XXXX basically waited to tell me three weeks into month 19 that it did not qualify for a deferral and that I either had to pay back 18 months in full to keep my perfect credit score rating or request a loan modification and let my mortgage report late for 18 months. I ended up just paying it all back and had to use my retirement savings to do so. Had I know from day one that a deferral option was not available then I would never have agreed to enter into a forbearance. Now I am having to sell the property to get the equity back out of it to replenish my retirement accounts. The way that XXXX handled my case was complete and utter discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX ... Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT DISPUTE Claimed Debt of {$800.00} ; for lease with XXXX XXXX XXXX ; ( incurred date undefined ) The debt claim that was issued is not my debt. 

On XX/XX/2022 - XXXX mailed a XXXX certified termination of lease letter to XXXX XXXX XXXX ( receipt confirmed by email by XXXX XXXX XXXX XXXX On XX/XX/2022 The apartment was fully evacuated in non damaged condition ( as confirmed by XXXX XXXXXXXX XXXX  by letter. ) On XX/XX/2022 documents were hand delivered/legally served to the property XXXX XXXX XXXX XXXX by Great Lakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) A Copy of the Termination of Lease Expert Laboratory Results of the presence of Mold in the living space A final invoice defining the balance XXXX XXXX XXXX owed to me To date, XXXX XXXX XXXX still owes me a balance of {$220.00} reimbursement from my security deposit. 

Please note the following deceptive practices of the XXXX XXXX XXXX staff : On multiple dates XXXX XXXX XXXX stated varying amounts that they claimed were due. They, however, never disputed nor responded to the Final Invoice served to them, issued on XX/XX/2022. On which they owe me the above stated reimbursement balance of {$220.00}. 

On XX/XX/2022 I received from XXXX XXXX XXXX an invalid, unfiled, partial court form from the State of Michigan ( Demand for Possession Non Payment of Rent Form XXXX ) after receiving the property manager a receipt for the full balance of XXXX Rent on XX/XX/2022 in person and with witnesses ). This was presumed to be a scare tactic after I had a professional mold inspector come into the apartment to prove the presence of XXXX mold, that they refused to remediate, to terminate the lease. 

PLEASE NOTE : In that document XXXX XXXX XXXX claimed a DIFFERENT fictitious balance that they stated I owed even though they were still in possession of my XXXX payment check, that they received, accepted and issued receipt for in person. 

I have full records of lies and false practices for XXXX XXXX XXXX going back years ( repeated email communications with them about repairs needed that were input into their online service system, with reference numbers and photos - that were never completed. As well as damage done to my personal property that I was never reimbursed for. )

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 2022-11-18
Company: EQUIFAX, INC.
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: MN
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:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: MONEY SOURCE, INC., THE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Good day, I have called all parties several times concerning this issue with no resolution, and excuses to date. The money source my " old servicer '' did not provide me with a notice of servicing transfer not less than 15 days before the effective date of the transfer. ( 12 C.F.R. 1024.33 ). As a result of this late notice of loan transfer on XX/XX/XXXX by electronic means and XX/XX/XXXX via a written correspondence that my new servicer would be XXXX on XX/XX/XXXX my refinance payment went to TMS as I had closed.

TMS initially notes they could not find the funds, and I had to reach out to title company to find. I was able to obtain a receipt of better sending money to title company and title company sending out full payment with wire transaction # to previous servicer TMS on XXXX. TMS notes that had to due a review and finally said they found funds on XX/XX/XXXX and that full payment was sent to XXXX on XX/XX/XXXX. I reached out to XXXX on several occasion and they note they have not received funds and requested a wire #. 
I contacted TMS for over 12 times and have been unable or unwilling to provide wire # and states that it is under review. In the mean Time I have Debt collectors calling me from XXXX saying that I have not paid my mortgage when I shouldn't even have an account with them. TMS has said they would call me back several times to rectify this issue, and has not reached back out to me. Any assistance that you can provide with tis matter as somehow over {$360000.00} is missing and I have two mortgage payment on 1 property. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MN
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:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation