BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MO
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 the Credit reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. My information has been exposed in the Equifax data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. If the Credit Bureaus 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. Please have the following items removed as soon as possible : 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  Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX attorney saw pictures of the destruction and told me to file an insurance claim. 
I filed the claim in XX/XX/2021 and received an insurance check the first week in XX/XX/2021. The was in the amount of XXXX the check was signed and mailed to Carrington Mortgage Loss mit department. I called loss mit in XX/XX/2021 and asked when I would be receiving the check explaining that I need to repair the apartments so I could make the mortgage payments. I was told by loss mit I would have to have a General contractor before funds could be disbursed, I could not get a general contract to even consider working witn me for XXXX. I called loss mit every month in May when I called I wastold my check was sitting in the qeue ready to go out and that there was a XXXX threshold and the check should have been mailed, the customer service rep would have a supervisor call me, When the supervisor called. I was told I no longer needed a general contractor find license people for the job and get a w9 and send it in, By this time we're in XXXX I'm to payments behind and XXXX XXXX and no check. and going into foreclosure, now its the end of XXXX I still do not have the check or XXXX now I can not have the check until I have an inspector come out I told the loss mit person the inspector is suppose to come out when the work is almost completed. She told me she would put a note in the file and have someone get back to me. its 4 months from being a whole year I'm still trying to make motgage npayments with XXXX XXXX XXXX  and my check sitting in a queue at carrington mortgage loss mit..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-11-18
Company: EQUIFAX, INC.
State: FL
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
All my life I have maintain the morals of never borrowing money. I pay cash for everything I want or I will simply not buy it. when I decided to pull my credit report I instantly noticed a number off closed accounts that I did not recognize. these accounts on my credit report are fraud and were not created by me by any means. every account I stated is fraud. I did not authorize these accounts to be created and I demand they be removed immediately. I am willing to move forward with any legal actions need be to clear these fraudulent accounts off of my credit report. I also noticed that on each credit report my name did not include the XXXX. these fraudulent accounts have been negatively impacting my credit score with put my knowledge for years now and the have to be removed now. I reached to the companies and they never helped resolve these accounts. this is over {$4000.00} in debt that i didn't create and its is unfair that this is reflected on my credit report that I've worked so hard to keep clean.

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 2019-04-16
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: Account information incorrect

Complaint:
My XXXX  XXXX and XXXX XXXX accounts are reporting inaccurately 1. XXXX XXXX account # XXXX reporting a balance of {$960.00}. the actual balance is {$810.00} and its reporting a 30 days late payment for XX/XX/2019. I have never been late at anytime with this account and need this corrected as I am in the process of buying my very first house. 

2. XXXX XXXX account is reporting a wring balance of {$180.00}. I have a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: PA
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've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
2nd Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: KY
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:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received notice that I was going to be transferred to a new lender. At that point the lender told me I had 60 days to pay my mortgage. I received the information after calling about who the lender was what my new account number would be. The new lender acquired the loan after XX/XX/2016 although they told me my payment was due XX/XX/2016. I would like you to assist me with this matter. They say the mailed me my papers on XX/XX/2016, I have n't received them yet. They have n't contacted me and I have made contact with this company which the operator asked me before I could explain to her what was going on. Would I like to make a payment. I told her I want to see some paperwork before I give you anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I discovered that my credit card company had been adding {$200.00} to my statement, above what I had charged or any fees. It went back as far as I could check, XX/XX/XXXX. I called and spoke with USAA customer service and they did an audit while I was on the phone. They told me they found that in XX/XX/XXXX I had received a {$200.00} credit on a purchase. The credit was made but then they continued to add the {$200.00} to each statement thereafter. I thought they were going to correct the problem once they found it but they didn't. They are still adding {$200.00} but it doesn't appear to be cumulative. However, they started charging interest when I subtracted {$200.00} from the last bill. I quit charging on this credit card and have established a new credit account with my local bank. I called to tell USAA credit card department I wanted to close my account with them. They then played a recording to me that 'if I close my account it will damage my credit score and I risk losing the money in the " Subscriber 's Savings Account '' which amounts to about {$4000.00}. I also have auto and renters insurance with USAA and plan to let them go ( not renew ) when they expire. They warned me about doing that also.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Upon checking my credit score i noticed a loan for XXXX from a company called XXXX XXXX XXXX i have disputed this account with all 3 credit bureas and XXXX and XXXX removed the account but equifax has not removed this account from my credit account equifax provided them my police report and they have yet to remove it still so i am working closely with the police department to help get this resolved i also asked them if they could remove this from my credit bureau and they stated no that they could not do that untill the issue is resolved so at this point i no longer want to talk or deal with them because the awnser they gave me lead me to believe that they are trying to make it look as if im the one that did this i am a victim of identity theft i have been for many years and there is a fraud alert on my credit report so i dont even understand how it even got threw my equifax score has decreased because of this i am going to file law suits against them if they do not remove this account this is part of my WARNING!!!! to them is step 1 filing a police report and step 2 filing it threw CFPB opened XX/XX/2018 term 60 months monthly payment XXXX it shows open and its a unsecured loan it also shows that it is late in which this account is a fraudulant unauthorized account that do not belong to me Please remove this from my equifax credit account or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: LoanCare, LLC
State: AZ
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:
On XX/XX/XXXX, LoanCare Servicing Center Posted to XXXX  Adverse and Derogatory Information regarding my Mortgage Account XXXX. 

Specifically, it is noted that the account experienced a Maximum Delinquency of 60 Days or greater. 

This is false and incorrect reporting! 

Note : The inception date of this Mortgage Account was on or about XX/XX/XXXX and closed/sold/transferred on XX/XX/XXXX. 

Accordingly, I only had five ( 5 ) Mortgage Payments due to LoanCare Servicing Center over that period of time noted. ALL Mortgage Payments were made and posted On TIME! 

Please reference attached Mortgage Statements which indicate clearly ALL Payments were made and posted to my account as stated herein.

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 2017-06-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : Chase account XXXX XXXX  To Whom It May Concern : I dispute the validity of Chase account XXXX. I request a investigation be opened for this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Currently in a process of a getting a new construction townhouse being built. The builder has a rule of being pre-approved with their preferred lender which we did. The townhouse we are buying will not be 100 % built until XX/XX/2023 ( estimate ). There are some rules on having a mortgage application within 21 days of the purchase agreement, but we have already been pre-approved with the lender, credit has also been pulled. There has been no communication in regards to this matter. 
When I mentioned to the mortgage loan officer about the timeline of the loan is so far out, and why is he pressuring us on submitting the mortgage application along with locking down interest rates ; loan officer did not attempt on answering the questions.. 
While I was asking about what to expect if prior to closing the mortgage, we decided to switch to another lender due to more competitive rates. The loan officer said, " if you will be switching a lender, then I am not going to waste energy and labor on this loan ''. 
The conversation and communications we had with this loan officer is very unprofessional, and he may have sent us someone else 's loan estimates. 
I have reached out to my agent, and have her see if there's a way the builder can assign us a new mortgage loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX  collect car payments but not accurate. XXXX, TransUnion and other credit bureaus reports XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
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: Personal information incorrect

Complaint:
My address is incorrect on my report after I disputed the incorrect address.

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 2017-03-31
Company: John C. Bonewicz, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I am submitting this complaint against  John C. Boewicz PC  because while I was trying to settle a debt of {$3500.00} they began to garnish my wages without any warning. I was negotiating over the phone with them since    XXXX  2017    . I even sent them a couple of faxes explaining that despite my financial hardship I was willing to settle. I started with {$750.00} then I counter offered {$1100.00}. They asked for proof of funds and I even faxed that over. Within a week from my last fax they had already garnished {$85.00}. I called to ask  XXXX   XXXX   XXXX , who I was negotiating with, why they were taking money if I already had asked for a settlement. He responded that he and his " superior '' figured this was the best option for them. I never was told they were going to garnish. What was the point then faxing over proof of funds? Today they garnished {$75.00}. I am a divorced woman and I do not make what my ex husband use to make. I have  XXXX  children to provide for. I feel that they took action to quickly and left me in the dark on purpose. Attached is the proof of faxes I sent them.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
They have inquiries on my credit report from XXXX and XXXX XXXX that i did not authorize XXXX XXXX was on there 3 times and they only removed one the other two dates are are still reporting file # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Cedars Business Services, LLC
State: TN
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 an email in two of my email accounts from a company called Cedars Business Services , LLC. The email was from a person called XXXX XXXX. There is no address given on the email and I found them listed as being a business in the state of California. They have not been compliant with verification of any debts and do not follow the basic rules for the Fair Debt Collection Practices Act. They did not provide any information on the nature of the alleged debt and did not provide first hand documents that validate the debt. They allege that the debt is from a foreign bank. 

I have responded that they are out of compliance with the law. I have opted out of future emails and I am on the do not call list. This debt is not valid. 

They have blasted this email to multiple email accounts and despite the disclaimer, they have done irreparable harm to me and to my character, my reputation and my good name. I take this very seriously.

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