BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
Company: EQUIFAX, 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:
Account # XXXX, XXXX, XXXX has violated my rights. I have an open credit card late payment, that should not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
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: Investigation took more than 30 days

Complaint:
unauthorized use, YOU VIOLATED UNITED STATES CODES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Possible Financial Inc
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is my email I sent to Possible Finance XXXX XXXX XXXX XX/XX/2023, XXXX PDT I received an late payment showing on my credit report. This is XXXX. Everytime I go into the app to make my payments I always have a XXXX problem with your app. I notified you a couple of times about your app. I want this taking off of my credit report. If not I going to my attorney. 

I know that the lender say it will take some time to fix it. I filed a dispute with the XXXX credit bureaus several times and I get the same exact that the lender sent back stating XXXX disputes this account information Charged off account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: AXOS FINANCIAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My account was assessed lender imposed homeowners ' insurance of {$2600.00} via escrow ( attachment 01 ) in XXXX due to a supposed lapse of coverage. I contacted customer service and was informed I needed to provide a declaration page for the period where the coverage was alleged to have lapsed. I provided information showing that while I did switch insurance providers, there was no lapse of coverage ( attachments 02 and 03 ). 

In XXXX I examined my statement and determined no action had been taken and contacted customer service. After speaking with the insurance group, it was indicated my new policy went into effect on XX/XX/2020 and there was an apparent lapse in coverage of approximately 26 days. My previous insurer provided the insurance agent a declaration page showing coverage during the dates in question, and the agent indicated that information was being sent to the escrow department for correction ( attachment 04l ). 

In reviewing my most recent statements, no adjustments have been made to my account ( see attachment 05 ). I contacted customer service again and was informed there was no record of escrow having received the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFPB Staff, My complaint is about Remex, Inc who submitted a derogatory posting to my credit report. I believe that, given the timing of their credit report posting, that they took this action with pernicious motives. 

Towards the end of XX/XX/2018 or beginning of XX/XX/2018, I started receiving telephone calls/messages during the daytime from Remex , Inc . They would call my personal cell phone and my work telephone number. My job requires a high degree of concentration with minimal interruption, so I could not answer these calls. However, they left messages indicating that it was a bill collection matter. 

Therefore, after finding out that this was related to a medical bill that I had overlooked, I initiated an FSA payment to XXXX XXXX XXXX  ( the service provider ) on XX/XX/2018. XXXX XXXX XXXX received the payment on XX/XX/2018. I also wrote a letter to Remex requesting that they stop their telephone calls and quoting the FAIR DEBT COLLECTION PRACTICES ACT ( the letter was mailed out on XX/XX/2018 ). In the letter, I requested that they submit any future bill-related communication in writing. 

To my surprise, on XX/XX/2018 I received a text message alert from XXXX that there was activity on my credit report. When I logged in, I found out that Remex had issued a derogatory on my XXXX credit report. This derogatory was posted by Remex on XX/XX/2018. This action by them was taken 17 days after XXXX XXXX XXXX received their payment. 

Given the more than three-week lag between the time of my payment and their derogatory posting together with my written notice to them, I believe that their credit report posting was a retaliatory action that was taken to cause harm. 

ATTACHMENTS : XXXX XXXX XXXX - Proof of Payment - XXXX XXXX XXXX - XXXX Remex - Cease and Desist - XXXX - with XXXX XXXX XXXX XXXX Remex Credit Report Derogatory XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

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 2023-03-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I can be contacted for my file. We have been undergoing mortgage modification for over a year. During this time, Wells Fargo has consistently lost documents, not had a working my loan tracker, made us fill out multiple applications, change interest rates, make us take PMI despite having over XXXX percent of our loan paid off, undergoing several payment trial despite paying on time, getting my name wrong on the loan documents 3 times ( so that the notary wouldnt notarize and Wells Fargo didnt want to change the name despite their original error ), telling us they needed our marriage license and requesting is 3 times, and on and on. 

Also, during one of the calls to Wells Fargo, I had a representative tell me, she didnt know why people in my country have such a problem with these things, when it came to the incorrect name. I explained that the name Wells Fargo erroneously used was that of my exs and it was bad enough that I was told wells Fargo would fix the deed on closing. Now shes telling me I have to live with a document that the notary wont notarize and to add salt to the wound my ex, SAd me. Yes, I love to have the home I worked for associated with my XXXX ex, and have a worker tell me its an issue with people from my country. 

My husband filed a complaint for that. The supervisor said he listened to the entire call and although she didnt do things by protocol, he didnt hear anything derogatory. He said shed get training as what she did wasnt to standard but it wasnt because of how she spoke to me. What?! 

Then, after all of that, when they finally get the signed paperwork, they say we need to start over.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$960.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}

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 explanation
Consumer complaint received 2023-03-31
Company: Self Financial Inc.
State: MN
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:
I joined a credit building company last year.CALLED SELF.I was paying {$35.00} dollars a month toward the loan they set up for me to pay in 24 months.In XXXX of last year.Someone working for them was stealing my payments going to them from an automatic payment straight from my bank account to them.Paying the monthly fees and the credit card payments. I filed complaints against them for the theft that was happening last May.It was found in my favor for the theft that was being committed against me.So they closed out my file as COMPLETED, BUT HASN'T RELEASED MY CREDIT FILE TO THE BUREAUS IN 10 months. Leaving me without a credit score for the last 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
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 ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-19
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an issue concerning 2 collections being reported to the credit bureaus in my name. The information is inaccurately reported and listed. The collection agency has never once provided me with any information regarding this debt, its origin or other history. I received nothing via mail, nothing from an attorney or any other mailed document in regard to this item. 

I am disputing under the grounds of inaccurately reported information as outlined in the Fair Debt Collection Practices Act with specificity to information illegally listed without documentation. I have disputed the information on those grounds and am asking this agency to place this complaint on the record and to assist in overseeing the collection agency in fulfilling its compliance with my request. 

I am prepared to seek legal redress for this activity and respectfully request that this complaint be placed on the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 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 2022-12-27
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Iam a customer of Santander bank. On the XXXX of each month the monthly HELOC payment is drawn from my checking account. This month the amount of {$620.00} was withdrawn a week early. I called the Help number and was informed that there was a general error that effected other customers and the payment will be reversed in 7-10 days.

I asked for the correction to be posted in 24 hours and was refused I asked for interest to be paid for the time the bank has use of my money and was refused I addition, on the XXXX of this month, in 3 days, the bank will again withdraw the monthly payment

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 2022-03-19
Company: Regional Management Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
REGIONAL FINANCE is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: ADVISORS MORTGAGE GROUP, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im filing a dispute for the date of XX/XX/2023 a company made a hard pull on my credit as they told me they would only do a soft pull! If they told me that it would be a hard pull I wouldve told them no!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Attempted to validate account in writing twice and have not received a response, the status has not been updated as disputed on my credit report. 

First Attempt occurred on XXXX No response 2nd Attempt occurred on XXXX No response

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 2022-11-08
Company: Experian Information Solutions 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 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 the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account below : 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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Delete this account for inaccuracy, because the date the account XXXX was opened for XXXXXXXX XXXX XXXX is reporting XXXX different inaccurate dates, XX/XX/2018 and XX/XX/2018. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, and 12 CFR 1016.7

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