BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 2022-07-14
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The credit bureau is reporting a public record ( Bankruptcy ) that is inaccurate. After disputing this credit bureau reported that it is a valid item and will not be deleted. This company uses XXXX as a third-party provider, therefore they have not verified the information with the actual court. XXXX just like any other bureau is bound to report incorrect information. 

Furthermore, XXXX which is a third-party data provider for this credit bureau reports on public records , however when I asked XXXX how they verify protected public information on public records due to ss # redaction and certain sensitive personal information that is redacted they advised me that they sometimes try to match information by name or address which can be incorrect at times. So this information is not fully verifiable unless the credit bureau calls the bankruptcy court to verify, which again the court will redact information and is not allowed to share " personal information, such as socials by law ''. 

I attempted to fix this by calling the bankruptcy court listed on the public record " XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX '' and was advised that they do not report to any credit bureau and therefore they can't fix any error reported by XXXX, XXXX, Equifax, and or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Lee Petersen, Attorney
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX sued me for the debt justifiably. I entered into a Consent Journal Entry payment terms with XXXX Municipal Court. I paid the initial payment of XXXX on XX/XX/2019. The agreement stated that I would need to pay XXXX by XX/XX/2019. 

On XX/XX/2019 I received a fifteen day demand for payment of the debt, with a subsequent Garnishment of wages if i did not comply from Attorney Lee Petersen 's Office. 

Since i entered into a payment plan and complied with that, I feel that this is a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Information belongs to someone else

Complaint:
These are the several times that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are the several times that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/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 2022-07-13
Company: EQUIFAX, 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:
Someone has been making inquiries on my credit report and now there are 2 unauthorized hard inquiries on my credit report that I need removed. They are causing a lot of stress in my life and to my family as it if affecting my credit. One of the inquiries I was not even living in the country  at the time. 

Inquiry XXXX : XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Inquiry 2 : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NJ
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 erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-02
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a XXXX  Application to Mohela on XX/XX/2022, having reached XXXX qualifying payments for forgiveness under XXXX. The online status stated " Processing. '' On XX/XX/2022, I called Mohela for any updates and, after an over XXXX hour wait on hold, spoke to a representative named XXXX, who stated that my " employer has been approved, '' and that the payment counts are being verified by the Department of Education, a process that may take up to 90 days after the application was received. On XX/XX/XXXX, the " Processing '' status changed to " Duplicate Form. '' I called Mohela on XX/XX/XXXX for an explanation, and the line disconnected after 1.5 hr on hold. On the next business day XX/XX/XXXX, after 2 hr 45 min on hold, I spoke to Mohela representative, XXXX, who explained that the status " Duplicate Form '' meant a human clerical error was made : someone had mistaken the previous XXXX XXXXpplication that I submitted in XXXX to different servicer, XXXX, as the same form submitted in XXXX. Only because I waited on hold to speak with someone, the application was submitted to be reprocessed, resetting the processing time to an additional 90 days. I have had the same qualifying employer for 7 years. The next step would be to update payment counts, just since XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX and have worked hard to not have a Mortgage payment paid late in over 3 years.I plan on buying soon. XXXX XXXX XXXX and US Bank refuse to redeposit an ACH which was returned in error due to a stop payment placed months ago on another payment and they referenced it.

On XX/XX/XXXX I had to put a stop payment on a ACH payment with XXXX XXXX XXXX for a US Bank Home Mortgage Payment, as it was for the wrong amount. We submitted another payment right after that with US Bank Home Mortgage during the same month for a different amount for that XX/XX/XXXX payment. It went through fine.

On XX/XX/XXXX we put through another mortgage payment for the Mortgage with US Bank, it went through my personal account fine. This morning XX/XX/XXXX it was withdrawn from my account the mortgage wasn't paid. There was money to cover it in the account.This will result in a 30 day late on my good credit.

Bank of America puts a permanent hold when you stop payment to that company an it was for that amount -the same as the original stop payment -- so you are in trouble as its the same amount and as it will be returned into the future until you remove it.

I called both companies spoke to XXXX ( who took the hold off ) then to a supervisor XXXX with US Bank on the line with me. US Bank asked XXXX XXXX XXXX to put the ACH threw again so it would not hurt my credit. But they refused to do it. The hold times with XXXX XXXX XXXX for people who work are unbelievable.45 minutes to 1 hour where is someone needs to reach them they can not if they work or have their own business.

I have paid my Mortgage each month for over 3 years and this was out of my control as XXXX XXXX XXXX returned the Mortgage due to the last Stop payment on the ACH and US Bank will not put it through again nor will XXXX XXXX XXXX. The reason is they like the fees with customers who have damaged credit as every loan they supply is at a higher interest rate. I need this corrected and they refuse to discuss it I have called 3x to each entity.

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 2019-10-28
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have an XXXX loan where the payment was taken out of my account but the payment was no applied. 

I pay {$10.00} every month for a Moneylion Plus account which gives me the right to use the XXXX service but I have not been able use XXXX because my payment was never credited. It appears they have also paused the benefits of my Moneylion plus account as well. 

I filed a support ticket with the company, they basically said too bad you're going to have to wait for " Operations '' to address this. They then closed the ticket so I could not respond and did not fix the issue. This was weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
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.

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 2022-11-02
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: AVANTE
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AVANTE USA at XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$980.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-21
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the Bankruptcy account listed below is still reporting on my credit report which is a violation of FCRA. The XXXX XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, it failed to properly investigate the matter by using a third party as their verification provider and continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAU, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the bankruptcy account below in my file XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions 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:
Despite numerous disputes to the XXXX, Experian and XXXX   consumer reporting agencies, these companies continue to report a fraudulent XXXX XXXX account under account number XXXX. Not only have I forwarded copies of my driver license and FTC Affidavit, I have forwarded a verified police report. Each of these companies have refused to investigate and block reporting of said 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 non-monetary relief
Consumer complaint received 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachments labeled as Exhibit A that Capital One Auto Finance is in violation of 15 USC 1692c ( b ) Fact, affiant is aware and has proof in the attachments labeled as Exhibit A that Capital One Auto Finance is in violation of 18 USC 1028a ( 1 ) Fact, affiant is aware and has proof in the attachments labeled as Exhibit A that Capital One Auto Finance is in violation of 15 USC 1692b ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled a copy of my credit report and noticed fraudulent accounts. it is stopping me from obtaining 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
Consumer complaint received 2018-05-23
Company: K2 Lending, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When I refused to sign anti-steering form he reluctantly agreed to send me a comparison that I requested - with lender credits. But the interest rate ( not talking about the APR which I expected to be higher ) went up .25 %. The lender skirted the question when I put it to his attention that the rate with .41 points was lower on that day - and it feels to me like it is a penalty for me exercising my rights. 

Lender stated ( in writing ) that he charges no processing fees. The he sent me a CD with a {$520.00} processing fee. He explained - in writing - that is is going to their 3rd party processor. But that processor is in-house! How can that be considered a 3rd party? 

In determining my debt they are using second party sources and ignoring first party sources. There is incorrect student loan debt on their source and they refuse to use the original debt processor - XXXX, preferring to use incorrect secondary reporting. 

While paying off minimal credit debt ( around $ 2K total ) the won't take a CRA or printout as proof but want written letters from the banks after giving me under 10 days notice to make the payments - essentially creating an impossibility - as they want something not within my control. BTW, I paid the debts immediately. I carry no other debt besides the student loans and a mortgage and have a FICO over 800. They insist that I pay down substantial student loans that are overstated - which they are or should be aware of. 

Thanks for your help and guidance.

Company response to consumer: Closed with explanation