BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
contacted experian about an alert directly from them about an address and alias linked to my SSN. As well as some inquiries that did not belong to me which the company said experian needs to remove. But they refused to look into it because they do not send those alerts. I pay for credit monitoring for a reason

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 2019-01-11
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of 2018 I took out a mortgage with a lender and had payment set up at closing. Then my loan was sold/transferred to Amerihome Mortgage. As soon as it was possible I set up autopay with Amerihome and even received confirmation that it was set up. Unfortunately due to reason related to our bank account name not matching the name on the loan ( I had used an LLC name on my bank account ) it was rejected by Amerihome. By the time I received notification I was late on my payment. I then called and attempted again, following directions provided by Amerihome to remedy the situation regarding the names not matching. I provided proof from the bank that the sole signors on the bank account matched the name on the mortgage ( me and my partner ) and was told that this should fix the issue. Again it failed to work and by then I was late another month. By the time I fixed the situation on a third attempt my credit score was severely affected. I called Amerihome about this and was told that it would be in my best interest to file a dispute to all credit bureaus on my own as it would be a faster resolution than if they did it on their end. I took their word for it and almost 60 days later my credit score is still down by nearly 100 points. I have never missed a mortgage payment on any mortgage before this and have worked very hard to maintain a high credit score. I don't dislike Amerihome, I just want my credit score to be returned to where it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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:
Collection company still not corrected credit report for debt no longer owed to XXXX XXXX XXXX for an unforeseen life threatening medical issue I had.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: TX
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone took a loan for a car out in my name and never paid on this car its showing unpaid and a reflection of XXXX $ i need this removed i am military and during this time i was gone and deployed this needs to be removed i also taken my own steps but this is still here on my report credit acceptance will not help me

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 2021-06-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Requested copy of XXXX Report to show bankruptcy is not on credit file. Experian, XXXX, and XXXX  advised they receive information regarding Public record from XXXX. Sent dispute to Experian, XXXX, and XXXX  regarding the information on credit file is incorrect. They advised the information is correct. Ordered another copy of file from XXXX XXXX and sending information over to CFPB to address the inaccuracy of information regarding public record on my credit 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 2023-06-21
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a late I do not owe. My account is on auto payment and I know it was paid that month. This late is added in error and is inaccurate and should not be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I was emailed by a company I do business with my credit rating went down. It when on state the reason, which was I was delinquent on a mortgage. It also stated as being reported by TransUnion. 

I called the bank and read them the riot act for showing delinquent on a loan I had paid off. The bank responded by telling me they never reported that. 

I called TransUnion, and asked how they made such an error. I was emphatically informed how wrong I was, that TransUnion couldnt have made the error, and I needed to demand that the bank contact TransUnion and fix the banks mistake. I did file a dispute with TransUnion. 

I emailed the bank, they sent a form to TransUnion informing them again on my loan status. The same day I emailed them, they sent it. 

Now I call TransUnion, they tell me they cant see my account due to the dispute. I cancelled the dispute so they could see my account. They saw the statement from the ban yesterday & from mid-XXXX. Neither showed me being delinquent. TransUnion continued to claim the bank made the mistake. I asked they pull the statement that preceded the XXXX statement. She claimed she couldnt. We all know TransUnion has that information. Lets guess, the previous statement was from mid XXXX. Why would TransUnion update my credit report in early XXXX fro a statement from XXXX, and why they would ignore the XXXX statement? And that supposition is based on me being truly late, which I wasnt. 

Why can they screw up and I pay the price?

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 2020-07-18
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: Information belongs to someone else

Complaint:
Experian and XXXX XXXX, two major credit reporting agencies are continuing to post fraudulent account that was created due to an identity theft crime. 
To support my statement, I have submitted two separate identity theft reports from FTC and XXXX county police department ( police report ). 
Worst part is that both companies failed to notify me via mail, the reason why the account is being re posted ten days prior of doing so. This is a clear violation of FCRA. Credit reporting agencies must notify the consumer ten days before re-posting an account or an item that was removed from the report if they wish to re-report the account or item information. 
Also, I would like to make an official complaint to XXXX XXXX for their attempt to collect the debt that I do not owe and reporting fraudulent account that was made because of an identity theft. 
I will attach previously mentioned identity theft report from FTC and police report that was filed to XXXX county police department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Cedars Business Services, LLC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a phone call and letter in the mail ( dated XX/XX/21 ) from Cedars Business Services. They state that I owe {$1700.00} from XXXX credit, however I do not have a credit card or account with XXXX. I contacted XXXX, and there is no record of me having an account with them. I have not contacted Cedars Business Services, as this is a fraudulent debt collection attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
All documents have been sent to PennyMac loss draft department to release insurance check to repair home! Company refuse to release funds so contractors can fix home. I have payed out of my pocket to repair some repairs. I'm not able to live in home! Theres no kitchen! Roof needs repaired! I have been sleeping on someone else sofa! My insurance company verified check has been cashed and cleared. The home is at 50 % repaired!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Continental Finance Company, LLC
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
Continental Finance every 2 years for the past 10 years has a collection firm call me, tell me that I about to be served if I don't pay  the balance of the credit card. The credit card is part of an identity theft complaint I made against my former roommate in 2008. But it has been so long since I filed the complaint XXXX XXXX Police department can't even find the detective that took the complaint. So I have dollar amounts, no documentation, I have NO documents even from Continental including want subpoenas or paperwork on being sued.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: GVA Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX, I contacted Bright Lending to verify through a three-way call to my financial institution that my loan had posted and paid in full. 
The agent ( XXXX ) noted the account and proceeded to update my account at Bright Lending so that I may take out a new loan. 
( This would be my fifth loan as I have paid in full, four previous loans since XX/XX/XXXX ). 
I was told to proceed online and call them if I had any questions or issues. 
Upon submitting " Complete My Application '' I was given a screen result of : Please email your Driver Licence, State ID or Passport and email to support@brightlending.com '' before being able to move forward with the application. 
I called Bright Lending ( BL ) once again and was told by a Supervisor that [ due to the coronavirus, we are asking for this form of ID in order to proceed with our returning customers ]. I asked what the privacy disclosures were given that the prior agent that I spoke to did not disclose this information neither is it expressly stated on your website. I also asked : How can you assure me of my identity being safeguarded if you have agents that are working remotely from home? The response was [ Your email gets sent to a department within their " tribal facility '' .... somewhere of which I was not made aware through an Agent 's Name/Supervisor or direct phone number extension. 
Thirdly, I asked : Do you use encryption methods on your email or site for that matter that will safeguard my identity? I was not given any further details other than I do not know and I would have to further ask another department/supervisor for this information. [ sic ] Now, the danger of this deceptive practice is : The customer is giving consent to not being assured that their identity is not being viewed by others, disseminated for unwanted third-party telemarketing or selling of your information and most importantly, that your information is being harvested by any employees and affiliates on the internet. I was told that my ID can stay on their records for 5-7 years. I believe Bright Lending is engaging in illegal business practices that are not being told/informed in a Truthful manner. There is a very fine print in which they state they do not guarantee that your privacy is completely private. However, not stating nor informing their so-called Covid-related business practice has to be a violation of my privacy and consumer rights. At XXXX XXXX  XX/XX/XXXX PST, I have finally received an email from BL, that my application for a loan has been withdrawn. However, I still believe this business engages in deceitful business practice at the expense of one 's personal and confidential identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter was sent to IQ DATA INTERNATIONAL for account XXXX as a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that IQ DATA INTERNATIONAL is now in violation of. I have enclosed the letter sent out on XX/XX/2020 that has a delivery date of XX/XX/2020. IQ DATA INTERNATIONAL has not responded but has continued to add a monthly increase of the debt on  my credit file which Is another act of false reporting. All attempts to request Verification and Validation have either been denied or ignored and it is hurting my credit score currently to the point where any score improvements are immediately reversed. The debt is for {$1300.00} and I know for certain I do not owe this to anyone. Please assist as we are far beyond a 30 day response period and they still have yet to reply.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-07-18
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-11-11
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint on behalf of myself. On XX/XX/2021 I sent a certified letter requesting that I be provided with documents validating this alleged debt. It has been well over 60 days and they have failed to respond which is in complete violation of my Consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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:
XXXX and Transunion are reporting collections on the XXXX and XXXX XXXX XXXX partial account numbers ****XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 13 and 14 of the attached credit report. ) I never even qualified for these loans because I am a XXXX XXXX. ( Please see the attached court document. ) These accounts are being reported on my credit report in error. This incorrect reporting is harming my credit score and these line items needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: TRANSWORLD SYSTEMS INC
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TransWorld Systems has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Was buying a XXXX XXXX XXXX, had full coverage also DAC, Car was totalled insurance company paid. XXXX Dac paid XXXX account was paid in full. XXXX XXXX XXXX Shows a XXXX XXXX XXXX. Wrong model and reported I still owe XXXX on car plus over XXXX in intrest. I've tried working with them to correct this and remove from my credit report and have had no help in removing. The information they filed is incorrect the value of the XXXX XXXX XXXX that I owned was paid. There was no XXXX XXXX XXXX   ever owned by me their information is incorrect and false. Please help remove this from my report. The insurance co was XXXX claim # XXXX. Paid in full

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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