BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-20
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-22
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 am interested in processing disputes on my credit report to delete an remove an delete all inaccurate information on my credit report with transunion. checking my file ive noticed alot of errors that is causing alot of denials. please review the data submitted to delete an clear all information added asap.

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 2022-05-01
Company: EQUIFAX, INC.
State: NJ
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:
XXXXXXXX XXXX has my debt listed on equifax report, this amount of {$130.00} was paid with the intention of having this item removed from my report, but is still reporting to equifax. When thjs account was paid, the company had promised to remove but they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Standard Mortgage does not want to assist me with a loss mitigation or loss modification. They said because they wants to be listed as the first lien holder. I am current on my first lien holder at this time.

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 2021-06-18
Company: TD BANK US HOLDING COMPANY
State: SC
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:
Loan was paid off 6 years ago. I am trading the vehicle in for a new car and when I went to the DMV to get a duplicate title I was informed that there was still a lien on the title. We don't recall ever getting a title. I called TD Bank on Monday and explained that we needed the lien release and that this was a very urgent matter as I was not going to have a vehicle to drive until I was able to get the title. I was told that the request was expedited and should take 1-2 days to get the release. When I called to check the status I was told that the release was faxed to my # as well as the DMV 's fax #. I had not received in my box but went to the DMV to check with them ( we can not contact the local branches in SC ). They had not received the fax. I called TD Bank back and was then informed that my request had just been reviewed ( 3 days after I called to file the request ) and it was take an additional 1-2 business days and the release had not been faxed. I called back on Thursday trying to get somewhere with getting the release and was told again that the fax had been sent to both # s that afternoon. I still had not received in my box but on Friday morning I went to the DMV again and they still did not have the fax. Called TD Bank again and was told that it was sent. I explained to them they must have some problem on their end because out of two fax # s neither are receiving the document. I finally received the lien release Friday at XXXX and took to the DMV to only now be informed when they tried to release the lien that it was electronic and TD Bank had never released the title. TD Bank must electronically release the lien so that the title will be printed. Why was my account not researched at the time that I put in my original lien release request and the lien released? Why was this not done 6 years ago when the vehicle was paid off? This has caused me to miss time at work with having made 4 separate trips to the DMV and hardship that was unnecessary if the lien had been released when the loan was paid off. I will now have to wait for another unknown amount of time to be able to get a drivable car since I can not provide a clean title. Expediting any request does not work as it took just as long as a normal request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
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: Account status incorrect

Complaint:
Dept of Educatican /XXXX  , XXXX, XXXX XXXX XXXX , and XXXX  XXXX violated my 609 rights by reporting incorrect informatio to Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX reported to the Exerian that I applied for credit in which I never applied for. They have violated m rihts to have fair and accurate iformation on my credit report. 


My personal information o my credit report is inccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

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 2021-12-01
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX and XXXX, 2021 there were hard credit inquiries to my credit report. XXXX XXXX, XXXX XXXX XXXX, and CURACAO. I reported the fraudulent inquiries to each financial institution listed. XXXX XXXX and XXXX XXXX XXXX, have sent me letters acknowledging the fraud. CURACAO has not. On XX/XX/2021, CURACAO opened a charge account in my name. This account was fraudulently opened with a credit limit of {$3100.00}. The account was immediately charged the full amount of {$3100.00}. I subsequently placed fraud alerts on all three credit bureaus. I contacted CURACAO customer support ( XXXX ) on XX/XX/2021 and he documented the information. He stated the account was opened and approved online and two XXXX devices were purchased. He also provided me with the last four of my SS number and an old address that was used. ( Old address is from over 7 years ago ). XXXX provided me with a name and email in their fraud unitXXXX XXXX XXXX I attempted to reach her by email with no response. I called CURACAO back today, XX/XX/2021 to get an update but there is no update. So far, CURACAO has not removed the hard inquiry nor have they removed the credit account from my credit reports. Attached are letters from XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: CIT BANK, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan in full after closing on the sale of the home. The lender has confirmed receipt of the full payoff amount as of XX/XX/2021 and loan balance was confirmed as {$0.00}. The escrow balance has not been refunded to me as of XX/XX/2021. I have requested the refund 3 times but the lender is unable to trace status of payment or give a date of when payment will be issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted multiple disputes to XXXX, XXXX, and TransUnion about a car loan titled XXXX XXXX XXXX or XXXX XXXX XXXX on my credit report. I successfully removed these from my XXXX and XXXX credit reports, due to the account having information that does not belong to me such as it being purchased in a different state. I have tried to dispute the same information with TransUnion as well as the 30 inquiries on my TransUnion credit report to no avail. I provided them with documentation of my Identity theft report filed with the Federal Trade Commission, but TransUnion came back and said it was fake. They refuse to properly investigate and delete the inaccurate information. Instead, they lock me out of my online account for extended periods of time so I can't dispute or respond to their dispute results and make it to where I can only mail them in my disputes. This happens at least 3 times a month, I do not have these problems with the other credit bureau 's only TransUnion. In regards to the over 30 credit inquiries on my report most of them being 5 to 6 duplicates from the same company. TransUnion refused to investigate them and remove them for inaccuracies and simply sent a letter stating they were true immediately after I submitted a dispute for them. TransUnion is the only credit report that does not delete incorrect information, no matter how much proof you submit they always come back with an excuse. They are going out of their way to deliberately negatively impact my credit report. I have talked to a lawyer and if the information is not fixed I am afforded the right to seek litigation, which I fully intend to do.

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 2023-08-17
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Advised this agency they are collecting on a debt that is not mine. They refuse to provide valid statements, any signed paperwork, and threatened my credit by advising me they wont sue me but will damage my credit. They also do not have a valid California debt collectors license and would not provide me a number.

I sent a written request that was excepted by a lady but the last name is XXXX. They sent me back a letter just saying that I owe them money and that they dont have a license and its pending and threatened my credit bureau XXXX Theyre in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called Sunrise Credit Services, I explained that they did not have my updated address or email address. They did not provide debt validation, I was not aware I owed this debt and they reported negative on my credit report. I kindly asked they delete this from my report and they declied to removed. This is for sunrise credit account # 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 2021-06-18
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged deb which is a violation of the FDCPA. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. 
i am the original creditor so only i can validate this debt pursuant to 15USC 1692g and i do not validate this alleged debt. Sending things like contracts and bill statements is not a validation of debt under the FCRA AND FDCPA. As of this moment i am not seeking monetary relief i just need the alleged debt removed from my consumer reports but if its not i will be suing and seeking monetary relief of each individual violation that you have violated and also the emotional distress you have caused me hopefully it wont have to come to that, The ball is in your court you determine what happens next i know the law is on my side

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 2022-05-01
Company: Kriya Capital, LLC
State: VA
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 FRAUD Account # XXXX Credence Resourse Management I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction. 

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX 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 2021-06-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Hello CFPB, Experian is taking extremely long to update the XXXX XXXX account. I called XXXX XXXX the third week in XXXX and I was told that they gave Experian my updated account information at the end of XXXX and it was up to Experian to update it. I called Experian and they told me that they would process it and its now XX/XX/XXXX and it is still not update from when I first asked for the update. 
Also can you please ask Experian to remove the inaccurate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. I have sent Experian proof of my address many times and have told them that of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX is not my address and it does belong to me. But they refuse to remove it. I asked them sense they are reporting this address where is the lease with my name on it or audio from the leasing office verifying this address as belonging to me. 

Lastly Experian has 2 hard inquiries for XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX. They are adding an extra month to the removal date. The FCRA clearly states that after 24 months XXXX not 25 months ) that the hard inquiry must be removed from a consumers credit report. 

Why is Experian being allowed to violate my consumer rights. Can you please investigate their bad faith business practices. 
Please see all the screenshots and highlighted items as my proof as to what I am complaining about. Please investigate Experian and advise them of the law and make them obey it. Because I should have a right to sue them for violating my consumer rights.

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 2021-06-18
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are again being given misleading information and they are intentionally. Who is the investor on our loan, we were told XXXX XXXX is the investor and they denied our request for fixed mortgage term. We received Trial Modification plan XXXX we made our trial payment and the 1st mortgage payment. Received final modification agreement which included a balloon payment term. We called the mortgage company spoke to XXXX ID # XXXX he stated Quality Control Team will be looking at other options. He said the Investors are XXXX XXXX also known as XXXX XXXX XXXX, made the decision to deny the modification. We did not have a balloon payment with our previous mortgage before they modified the mortgage to a balloon term. We were told to resubmit all mortgage assistance documents again so XXXX XXXX could give us a fixed term mortgage. We have resubmitted the required documents and now they have denied our mortgage assistance request and said we have excessive inquires, credit limits on credit utilization is high. We have read in mortgage assistance articles XXXX  XXXX  XXXX XXXX credit is not to be used as the criteria to provide mortgage assistance. Also we call to asked our mortgage assistance request. Documents in our possession reflect XXXX XXXX XXXX XXXX is the investor on ouying to make us lose our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We have a string of fraudulent transactions totaling approximately {$470.00} that the bank refuses to refund. We are able to provide documentation proving we were not present at the time the charges were made, but the bank refuses to accept our evidence or make any corrections.

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 2021-06-09
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RESURGENT/LVNV FUNDING Account number XXXX I am a victim of identity Theft and this account is reporting on my credit file and negatively impacting my scores. This account does not belong to me. I have tried to fix this but have not gotten a response or proof of this account.

Company response to consumer: Closed with explanation