BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: Fidelity National Financial, Inc
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
1. In spite of numerous reminders of a down payment involved of the House in Escrow of XXXX, the Officer XXXX XXXX failed/refuse to implement the down payment of House bought prior to Marriage as a part of Escrow distribution of funds. 
2. The Escrow officer XXXX XXXX was reminded of such down payment again again up the the date of Escrow closure, yet today when she was asked of such reimbursement, she feigned ignorance. 
3. The Escrow officer XXXX XXXX violated the Law of Down Payment of House bought prior to Marriage, as deferred responsibilities to lawyers. 
4. The Escrow officer also failed to include expenses incurred to update the house sale, with clear presentations of Receipts of expenses that the Realtor XXXX XXXX is fully aware of such expenses as the realtor XXXX XXXX was the one who recommended the Handyman employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Ive explained in scrupulous detail to Speedy Cash via phone conversations ( which I have the audio file of ) as well as by mail the payday loan that they repeatedly harass me in attempt to collect on WAS DISCHARGED IN BANKRUPTCY at the end of 2015. 

Ive submitted my attorneys information XXXX XXXX, as well as my bankruptcy case number XXXX and this company still continues to call me sometimes 20+ times per day, as well as send me statements in the mail weekly which I have on hand. 

I have contacted an FDCPA attorney regarding this harassment and illegal attempt to collect on a debt that was included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
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 account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-07-09
Company: P&B Capital Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
in relation to complaint # XXXX I have been divorced for XXXX  years, there should have been no reason for my ex husband to be contacted. It takes XXXX seconds to take the company name and XXXX it to see that this is a debt collector. This to me violates my privacy to people who should not have had any right knowing what phone calls are regarding. The people who were contacted by this company were not listed as people i know in any scenario with the original creditor. I would like to know where the list of names came from before I get my lawyer involved.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-25
Company: CCS Financial Services, 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


XXXX XXXX, CREDIT COLLECTION SERVICE These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account listed on my Chex Systems Consumer Report ID : XXXX for Reported Information is fraudulent : XXXX XXXX. I never had a checking account with XXXX XXXX. The account is fraudulent and not my account. I am a victim of identity theft and has a police report on file with Chex Systems.

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 2020-08-12
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to complain about a company called NCA ( National Credit Adjusters ) that is on my credit report. The amount is XXXX $ The original creditor for this account was XXXX  XXXX.On my credit report, there isn't even an account number for this collection so I can not reference it here! 
I have filed disputes with XXXX  and XXXX  regarding this issue, back in XXXX of 2020 this account was with another agency called " XXXX XXXX XXXX XXXX  '' and it was removed! Then the account was sold to National Credit Adjusters and came back! If the account was removed the first time, then that proves it was not a verifiable debt! I have requested method of verification because this is NOT a valid account. National Credit Adjusters have not supplied any type of verification of this account, and I am requesting this right now because it is my right. 

I do not know the account number for this claim at all! 
I am attaching a photo of my XXXX  credit report! This account does not even have an account number and is not showing properly!! I DEMAND this to be removed or show actual PROOF that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to an account takeover attempt at another bank, my bank accounts were all closed and I was issued new bank account numbers. 

Changing the account number for TD to ach my monthly mortgage payment has been time consuming and full of mistakes. I repeatedly asked for a supervisor to email me and never got one. 

I need XXXXt to : XXXX. Waive their three ach payments returned and your kicked off ach rule. 
XXXX. Correct the amount of the ACH withdraw to match the required loan payment, adjusted accordingly for changes in escrow. 

TD either incorrectly setup the monthly payment via ach, or provided the wrong form when I requested to change the account. The required payment and an extra principal payment is being removed. 

Third, it should not require a paper form and a check in this day and age to change an account number. 

Fourth, I should not have to wait on hold for an hour each time to pay them. Their website was not able to take a one off payment. 

XXXX, it should not take weeks to process an account number change. This made it so that I had to sit on hold and extra hour because they had not updated my account in time. 

It took 4 hours of my time to change the account number and pay td bank in the interim while they changed the account number. That's just crazy when you multiply that times the number of customers. This should be processed online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: WA
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:
Requested forbearance/payment deferral with XXXX XXXX in XXXX, 2020 due to COVID-19 and was approved for a 2 month deferral to XXXX, 2020. In XXXX, 2020 XXXX XXXX showed a 30 day late on my credit report which lowered my FICO score XXXX points. ( I had requested the same with 8 other credit card companies and was approved with all ). I, immediately contacted XXXX XXXX, by phone and letter, and they refused to remove the 30 day late. ( I have never been 30 days late on ANY of my credit cards ). At this time I was in the process of refinancing my home. The FICO score lowering made me " NOT ELIGIBILE '' to complete the refinance loan. I have been with XXXX XXXX for 10 years and have never been late. Please Help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 2021-04-01
Company: Experian Information Solutions 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:
XXXX XXXX Experian and XXXX  are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these inquiries however, I have not been successful.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

" All Rights Reserved ''

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 2023-07-01
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: Public record information inaccurate

Complaint:
Date of XXXX I reached out to TransUnion and filed a report to dispute an unauthorized and unapproved information on my credit account. 

I have been informed by TransUnions customer relations team. 
That they have completed there investigation and found that this unauthorized bankruptcy does belong to me. 

After I provided them with proof that it does not. And after me disputing this item. 

I have been advised that I will have to dispute this unauthorized bankruptcy item again. 

I am currently trying to file my dispute through TransUnions website and I have been advised that I have to wait XXXX minutes prior to me being able to file my dispute through TransUnions website. 

Please see attachments please and thank you. 

Thank you Best and kind regards I XXXX XXXX XXXX certify that I served a copy of this complaint to the appropriate addressee by depositing the same in the United States with proper postage prepaid and properly addressed or by email in accordance with the Administrative Procedure Act, 5 ILCS 100/10-25, Section 10-75, on XXXX, XXXX Thank you Best and kind regards, 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 2023-11-11
Company: UNITED BANKSHARES, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge this account of fraud And this Is a fraud account I want account Removed and I want to seek for Monetary Relief due to this issue

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 2023-04-20
Company: Consumer Solutions Group
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by a representative from Consumer Solutions Group on XX/XX/23 about a personal loan debt that was placed with their company for collection. When I spoke with the representative, he said he was with XXXX XXXX XXXX, and he told me that a complaint was being filed against me for check fraud, and said that I was going to be served with a lawsuit by the original creditor if I didnt set up a payment with him. I asked him to send me proof of the debt, as I had never received any communication from the collection agency prior to this phone call. He emailed me a copy, and claims to be sending one in the mail. Upon reading the email, I see errors in my town name, so I contacted the original creditor. They directed me to XXXX XXXX XXXX, who purchased the debt from the original creditor, and were using Consumer Solutions Group to try to collect the debt. When I informed the representative of my concerns, she informed me that their company does not work with the court system at all, and that what I was telling her was not true and very concerning. She closed my account with Consumer Solutions Group and is reassigning me to a different agency. She is also going to report this and do a full investigation into the companys practices of debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have already written XXXX letters and haven't gotten a response I've disputed with the reporting agency numerous of times and still haven't gotten any results.My rights are being violated under Fair Credit Reporting Act law USC s1681 ( a ) ( 2 ) ( i ) ( iii ) USC s1681 ( a ) Section 609a ) 1 ) A ) Section 611 ( a ) 1 ( A ) Section 611 ( 5 ) ( A ) you are required to promptly delete all unverified information by law.

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 2023-06-25
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: MO
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:
The Loans XXXX, formerly known as XXXX XXXX XXXX XXXX CFPB sued them Case 3:17-cv-00101-RDM Filed XX/XX/XXXX, for the deceit practices. There are 3 loans associated with my credit file f these actions taken these loans were not afforded the relief provided. As a servicer of student loans, XXXX XXXX routinely furnishes information about its student loan accounts to consumer reporting agencies. 
They have begun to re-age these loans showing in inaccuracies of XX/XX/XXXX day delinquencies and irreparable harm to my credit file and score. These loans were open dates per credit report of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a of last payment XX/XX/XXXX with a worth pay status unknown but has charge/off and last reported to CRA XX/XX/XXXX XXXX 
The Fair Debt Collection Practices Act prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. 190. As described above, on information and belief, XXXX made false, deceptive, and misleading representations to borrowers that all of their collection fees related to the federal loan rehabilitation program would be forgiven by the U.S. Department of Education or that the exact amount of collection fees currently assessed to the account would be forgiven. XXXX. Therefore, XXXX, acting together with or on behalf of XXXX XXXX, violated the Fair Debt Collection Practices Act. 15 U.S.C. 1692e, 1692e ( 10 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Due to identity thefts fraudulent paperwork tampering with records XXXX XXXX XXXX XXXX XXXX was on my credit report they refuse to pay a debt settlement agreement which was result in terminated they still using illegally operation never gave them permission to run any credit if the business owner of XXXXXXXX XXXX XXXX XXXX XXXXXXXX an they using an illegally business address with place of employment they not in title to use or run anyone credit or have permission to denied with the stock holder approved make it unconstitutional illegally violation consumer rights protection act TransUnion have opinion to investigate these employees or freeze all assets due identity thefts fraudulent activity they was on my credit report over 2000 unknown mortgage was open with this bank y'all deleted everything so want be possible to recover I will sue TransUnion credit report agency of I dont receive my debt settlement agreement

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 2018-05-11
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report from XXXX in XX/XX/2018 and saw an unfamiliar collection account from ERC also known as XXXX XXXX XXXX for {$910.00}. I wrote and mailed them a certified letter dated XX/XX/2018 requesting validation of this debt ( signed contract for example ). USPS tracking confirms they received the letter on XX/XX/2018. However, as of today I am still waiting for a response from them. Instead, to add insult to injury, instead of responding to me with the requested documents, they have now added this same erroneous collection to my XXXX   credit report today, which immediately negatively impacted my score ( score dropped 17 points )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation