BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During covid I did a home loan modification with XXXX XXXX XXXXXXXX. They then sold the mortgage to Fay Servicing who increased my loan payments by over $ XXXX. Their explanation was there was no escrow funds given to them from XXXX XXXX  XXXX. It's been over a year which would have reimbursed them quarterly taxes and insurance and escrow more than enough to return my monthly payment to agreed upon amount. When I spoke with Fay Servicing, after a prolonged hold, they said they'll need XXXX hours to complete an " escrow analysis '' but said I currently have {$3400.00} in escrow AFTER taxes were paid XX/XX/23 in the amount of {$2900.00}. XXXX said the next tax payment of {$2500.00} is due in XXXX which leaves over {$900.00} for insurance ( which is less than $ XXXX ) not including what will be auto-paid from now until then. Pre-collecting taxes & insurance in escrow prior to disbursement is XXXX thing, over collecting & continuing to collect above and beyond is not only deceptive mortgage practices but an extreme financial hardship to a person on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 want you to investigate this inappropriate information on my credit report. 

Account Number : XXXX XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$6000.00} Account Number : XXXX XXXX XXXX Account number XXXX Date XXXX Balance {$360.00} Account Number : XXXX XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$8900.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance $ {$3100.00} Account Number : XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$16000.00} Account Number : XXXX  Account number XXXX Date Opened : XX/XX/XXXX Balance {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The consumer must contact the bureau regarding notification prior to an entry being re-entered on the credit report. If the consumer believes this is fraud, we ask the consumer to send us the Identity Theft reports ( police report, FTC report, etc. ). Once received by our office, we will send a request to the credit reporting agencies to have this account removed from the consumer 's credit report. As a 90-year old company, Caine & Weiner wants to help consumers in any way possible.

Im attaching documents to remove this item could not find an email or fax number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! XXXX never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

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 2023-12-11
Company: EQUIFAX, INC.
State: SC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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.

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 2023-12-11
Company: EQUIFAX, 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:
I noticed incorrect payment history listed on my credit reports for Equifax, XXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as 60 days late in XXXX XXXX  and 90 days late in both XXXX XXXX XXXX XXXX. I have no knowledge of this account. I requested information on account ownership from both the credit bureaus and XXXX XXXX directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, 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:
The following credit card account currently listed on my XXXX and Equifax credit report is lost/stolen : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX the following hard inquiries currently listed on my XXXX and Equifax credit report is fraudulent, unauthorized and not my hard inquiries : XXXX, XX/XX/ and XXXX XXXX XXXX XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-07-17
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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$9600.00} ; XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts on my credit profile is being reported and my credit was stolen and used I need these accounts deleted from my credit profile.

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 2022-06-16
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filled a dispute with XXXX asking for the debt to be verified. The collection company sunrise failed to verify the debt and updated account as accurate. I have no knowledge of the account or information. 
The name of the company sunrise credit service Address XXXX XXXX XXXX XXXX XXXX, NY XXXX The company is saying I owe {$510.00} They are reporting inaccurate information on my report.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
RE : File # XXXX CFBP Complaint ID XXXX The information requested in my previous complaint was not provided under 15 U.S.C. 1681a ( e ). TransUnion has shown negligent noncompliance by choosing to omit certain procedures required during the re-investigation process of my report. Provide a detailed list of all personal interviews with neighbors, friends, or associates of the consumer or delete all disputed items from the file of the consumer within fourteen ( 14 ) days of receipt of this notice. If TransUnion does not comply with my demands, further legal action will be taken. See list of disputed accounts below : 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 2023-12-11
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/XXXX Report of violations and identity theft by XXXX XXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I am using CFPB to report clearly the attack that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX has falsely put down a litany of false and misleading tactics onto me and on my credit report USING IDENTITY THEFT. 

They have used my social number, name, and information to report a new active live account on my credit report that I dont owe. This company has remained deceptive and unrelenting after numerous interactions and proofs. 

A POLICE REPORT HAS BEEN FILED AND THE NUMBER IS XXXX XXXXXXXX ON XX/XX/XXXX WITH THE XXXX XXXX POLICE DEPARTMENT . A FTC.GOV REPORT OF IDENTITY THEFT HAS BEEN FILED FTC.GOV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has opened a live active reporting tradeline on my credit report AFTER STATING ON XX/XX/XXXX IN A LETTER ; THAT IT WOULD NOT ACTIVELY BE PURSUED. XXXX XXXX ALSO HAS THE 1099B PAYMENT PROOF THAT THIS OLD DEBT WAS XXXX. 

DFINITION OF IDENTITY THEFT : What is the best definition of identity theft? Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
~As an astute business person I keep daily tabs on finances, credit monitoring, account balances of anywhere we use money. 


~We pay extra on our mortgage each month to see balances decrease, aggressively paying down any debt. Well, I didnt expect to see this though from Equifax. 


~On XX/XX/2020 I noticed all of our accounts paid to zero, {$0.00}, across the board at Equifax XXXX 
XXXX and XXXX were not affected. 


~My open accounts regarding Equifax credit report, alarming to say the least. 
XXXX XXXX XXXX XXXX showed {$0.00} owing ... in good standing XXXX showed {$0.00} owing ... in good standing XXXX   showed {$0.00} owing ... in good standing XXXX XXXX XXXX showed {$0.00} owing ... in good standing. 

~Note : XXXX receives an additional {$1000.00} each month to reduce the term from 30y to 10y Mortgage. 


~I first called check my phone applications to see what each institution were reporting back to me. Then verified by calling each lender. 
XXXX XXXX XXXX XXXX showed me about $ XXXX owing and on auto withdrawal XXXX showed about {$19.00}, XXXX and on time on auto withdrawal XXXX showed $ XXXX and on time on auto withdrawal XXXX XXXX XXXX  showed $ XXXX and on time on auto withdrawal. 


~I then spoke to an Equifax customer service employee who told me that is what the lender reported to them was XXXX. She suggested that I call the lenders and suggested if they could repost my balances. She said it might be worth a try to get the correct information reissued but all accounts were showing paid. My credit score with Equifax actually dropped. This concerned me as I like to understand why there is a 15-20 point swing. 

~It was suggested I open up inquiries for the four accounts with erroneous info. Investigations were conducted at each lender. Following the balances being sent to Equifax the score bounced back up. A change happened negatively when XXXX XXXX made a remark about the credit inquiry I made, both Equifax and XXXX  lowered my score 9 and 11 points respectively. This is frustrating as this was because of an error made by Equifax. My scores with stellar credit should be affected by their errors. I have enjoyed XXXX credit scores before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the fair credit report act XXXX  account # XXXX, has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

14 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-08-16
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
As you know that there is no way for the public to pay debts since gold was confiscated by us govt in 1933. We were left with no way to pay for anything other than promissory notes offered by the Federal reserve. These notes simply tender the debt to a later date. They do not pay off debt. The only way to do that is by gold or silver. I paid my debt in silver. The company refused to accept my payment for debt discharge and according to XXXX law any valid form of debt payment if it is refused the company must now discharge the debt. They stole my payment and are refusing to follow the law set forth by the ucc. I placed them on notice of a proper lien that I filed with XXXX  in my state and they did not dispute it. They have now stolen my property and the company they used to facilitate this theft is also denying me access to my property. You can not reposses property without a court order. Something they can not obtain bc the debt was paid in full. I am in desperate need of the return of my property. And local law enforcement will not do their job and recover said property. I don't know who else to turn to. But I do know that president Trump put out multiple executive orders to provide the people remedy through this bureau so I am requesting that this be done. I am in need of remedy immediately. Thank you. I can be reached at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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