BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2022-08-19
Company: Exeter Finance Corp.
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: Account information incorrect

Complaint:
I have always made on time payments until my step dad died from XXXX  related illness and I ended up catching XXXX  as well. Previously I would make multiple payments a month- even to principle before the pandemic hit hard I am very strategic about my credit. I also always call if I am having any hardship and keep open communication with my creditors. I ended up getting very sick and having to miss time from work. At this time I called around XXXX  payment and inquired on an extension. I was told they would send my request to a supervisor. I got so sick I absolutely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To this day I have not fully recovered. I called back in, around XXXX  as I never received any confirmation online of my new due date. A rep told me I could not get an extension I remember telling them I spoke to someone who said I basically had gotten one. They said something about no recording being on file. I was upset and felt very confused but didn't feel well enough to escalate it. I made a XXXX payment more then my normal payment of XXXX which- I always pay more then my payment due. How unfairly I was treated because of a agents mistake or miscommunication caused me to call again about the extension later on. I mentioned how I was supposed to have an extension and requested another extension to catch up as i was under the impression in XXXX  that for XXXX I was given a month extension, as I remember being asked about my ability to back back and them sending the request. Difference is This time We did the recording right then and there and I made sure I was no longer considered behind. I recently looked at my credit with all 3 reporting agencies To my surprise I was reported for 3 missed payments which is not correct and during all these different pandemics the last thing i need is my credit to be impacted especially due to agent error and miscommunication. I have called and asked to speak to someone about removing the late payments as i never had one before this error and asked if in good will they would remove it I was told to dispute i disputed and it was updated from 3 missed payments to 4!!!! I could not get any humanity or fair treatment about this matter, I was misinformed from the beginning and this has been added stress  to my mental heath. Please remove the late payments as I made every payment before my due date or not exceeding 24 hrs of the due date, every month within the time period in question of XXXX XXXX  of XXXX  excluding XXXX XXXX XXXX as I believed I had a one month extension/deferment. It is not fair for me to be held responsible for a agent error all the late payment remarks including XXXX  should be removed. Here is only one of the many screen shots I have Im hoping we can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: PA
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 complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the following inquiries which are opened without my knowledge. I highly request that you take the time to check and verify these inquiries since I never remember that I have authorized anyone about these inquiries. Kindly remove these inquiries if no proof can be provided. Please delete the following 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a child support account reporting on my XXXX and Experian reports for over a year and the credit bureaus keep reporting inaccurate information on my reports like payment history, amounts owed that has gotten me denied for credit applications numerous times.

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 2020-07-08
Company: PLS GROUP, INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/2016 we had purchased a money order in the amount of {$1200.00} from PLS Check cashing service for our rent.On XX/XX/2016 we found out our landlord never received our money order and went to PLS only to find out the money order had been stolen from the mailbox. We made a police report and were advised to wait for the investigation that we would get our money back soon. Till this day I have yet to receive my money, I have made several phone calls to both PLS and XXXX XXXX  which is bank the checks are drawn from but everyone just gives me the run around and transfer me to manager after manager with no resolution. This is absolutely absurd! PLS tells us they have to wait for XXXX XXXX  to respond and give us the money, when we call XXXX XXXX  they tell us they are waiting to hear back from PLS. At this point I believe this was probably an inside job and the thief is being protected.

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 2023-08-03
Company: EQUIFAX, INC.
State: MD
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:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EQUIFAX. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity and also unauthorized inquiries .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so may credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( Transunion, XXXX & XXXX  ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. XXXX said they never got the fax although I had a confirmation page of the fax being successfully submitted. XXXX  made the update 7 days later so they in fact did get the fax. XXXX took the full 30 days to make the update although they said they would expedite the request. During phone conversations with XXXX  the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

TransUnion had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with TransUnion and XXXX it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.

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 2020-07-08
Company: GUARANTEED RATE INC.
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I refinanced our loan with XXXX XXXX XXXX ( they're not the problem in XX/XX/XXXX. Our loan officer advised us not to make our XX/XX/XXXXmortgage payment because the refinance would fund in XX/XX/XXXX. It did, on XX/XX/XXXX. 

There are a few issues here ... 
Our previous lien holder was Guaranteed Rate and we got a notification saying that the servicer was being transferred to XXXX XXXX XXXX. This new servicing would take place in XX/XX/XXXX, and I think it went into effect on XX/XX/XXXX. Our new lien holder was/ is XXXX , as of XX/XX/XXXX. 

I am filing a complaint against Guaranteed Rate, XXXX, and XXXX XXXX XXXX. 

We have received notices from XXXX stating that the payoff amount was not sufficient enough ; that it was {$500.00} short! I've spoken with both XXXX  and GR regarding the difference. Escrow provided me with a payoff amount and XXXX said that it was enough to cover the total loan payoff. GR changed the payoff amount after the loan closed. If there was a discrepancy, our escrow account should have covered it. I have also yet to see a refund from our escrow/ impound account, that was supposed to be a direct deposit. 

I am tired of being passed around, and told to contact multiple departments to get this issue resolved. It sounded like XXXX was being cooperative, until we received a new mortgage statement saying we owe them three months of payments, totaling {$6600.00}. That's insane! They're not even our lien holder! 

I called XXXX again and they said they could not credit any of the payoff amount towards our account because of the missing {$500.00}. 

Lastly, I am not sure which lending institution it was, but one of them reported a 30-day late on my and my husband 's credit reports. This has severely affected our credit scores, dropping them nearly 130 points! I have completely lost my patience at this point. I am not wasting any more time, playing phone tag and detective, regarding who the best department is to resolve this. Everyone has records of everything. This has seriously inconvenienced my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 writing to you regarding investigation results based on information provided to Transunion. Although, I have provided proof to this agency, that the amount is not owed there is no change to my credit file. Other agencies ( XXXX, XXXX ) were able to comprehend and verify the validity of my documents and confirm with XXXX XXXXXXXX XXXX that it is an error within their processes and yet Transunion is unable to correct this reporting. I find this unacceptable and ask that Transunion provide their investigation results with proof of findings. i.e. paperwork, conversation dates and representatives talked to resulting in your inaccurate reporting. 
Once again, proof of supporting documentation : 1. Bankruptcy discharge ( XX/XX/17 ) 2. Confirmation received from XXXX XXXXXXXX XXXX to US Bankruptcy court that the creditor agrees that the debtor has paid in full the amount required to cure the prepetition default on the creditors claim 3. Release of Mortgage recorded paid in full 4. Item on credit report Partial acct # 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 2023-06-07
Company: EQUIFAX, INC.
State: MI
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023, XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Waypoint Resource Group, LLC
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:
Filed a dispute with the credit bureau all 3, XXXX, XXXX and XXXX and the collection agency ( Waypoint Resource Group ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: CL Holdings LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter via mail from Jefferson Capital Systems , LLC on XX/XX/2019 claiming that I owe {$400.00} from XXXX XXXX XXXX. I responded to Jefferson Capital Systems , LLC on XX/XX/2019 disputing the debt and requesting proper validation, such as the original instrument of indebtedness. Tracking via USPS certified mail confirms that Jefferson Capital Systems , LLC received my letter requesting validation on XX/XX/2019 at XXXX XXXX, but Jefferson Capital Systems , LLC did not respond. I sent Jefferson Capital Systems , LLC a follow up letter on XX/XX/2019 with USPS certified mail tracking in regards to not responding to my validation letter, as well as an FDCPA reminder for false reporting. Jefferson Capital Systems , LLC failed to respond. I sent another letter to Jefferson Capital Systems , LLC on XX/XX/2019 in regards to not responding nor sending me proper validation of this debt. Furthermore, I am requesting that ALL information pertaining to Jefferson Capital Systems , LLC and XXXX XXXX XXXXXXXX  be removed from ALL credit reporting agencies. I have maintained all proper records and documentation, which has been included in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received notice from Small Claims court that I was being sued by creditor. Never received any notice before this from this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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:
I was the victim of a fraudulent account merging by Experian. I was made aware of this issue by a mortgage consultant when I was denied for a loan based on Experian 's report. I have held an account with experian for many years and was unaware of this merging. No information of anyone else was on my report or account. When trying to speak to someone, the automated system sent me in circles. If trying to dispute, it states that there are technical issues within their online system and I am unable to continue further. In order to get any further assistance, you are redirected to pay for a service. This has hindered me from getting approved for a home loan and delayed my life, affecting me negatively. The customer service is horrible if you can get in touch with anyone. All of the numbers for Experian send you thru their automated system.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Two companies ( XXXX and XXXX XXXX XXXX are reporting inaccurate information on my credit report that is ruining my credit rating. They agreed to remove but still being reported to one or more bureau with the same information. 

XXXX XXXX has multiple accounts listed on my Transunion report with the same account number. All of which are paid off but also showing that I owe {$270.00} which isn't accurate. 

There is inconsistent details showing in my personal information that needs to be addressed. Inaccurate information enhances the possibility of identity theft for an example. I have several inquiries that were not authorized and may have been affiliated with addresses I don't reside! XXXX  XXXX XX/XX/XXXX-was an unauthorized inquiry at all bureaus. XXXX/XXXX  is an unrecognized/unauthorized inquiry from XX/XX/XXXX on Transunion and XXXX is an uncrecognized/ unauthorized inquiry on XX/XX/XXXX. 

I have disputed on numerous occasions but the information is still inconsistent.

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