BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: GA
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: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX  , XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2017-10-16
Company: WATERSTONE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Told them twice to put me on do not call list but they keep calling.

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 2023-02-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are fraudulent and needs to be removed: 
XXXX XXXX XXXX (10/15/22), XXXX XXXX XXXX (02/06/23), XXXX (01/31/23), XXXX XXXX XXXX  (01/31/23), XXXX XXXX XXXX (07/06/22), XXXX XXXX XXXX XXXX (01/30/23), XXXX XXXX XXXX XXXX (04/21/22),  XXXX XXXX XXXX (04/21/22), XXXX XXXX, XXXX XXXX (12/26/22), XXXX XXXX (10/18/22)

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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I reached out to transunion twice and filed a report immediately when the accounts appeared on my report to let them know it doesnt belong to me. Dates are XX/XX/21 and XX/XX/21. The still have incorrect information showing up. I took it up on myself to contact the collection agency who reported it without verify if the account even belong to me and contacted the company they are trying to collect for. The collection company sent me a letter stating they asked transunion to remove from my credit however transunion havent and I even call them again over the phone and they said file another dispute. This collection on my report is affecting my financially and this need to fix or action needs to be taken against transunion.

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 2022-01-11
Company: ENCORE CAPITAL GROUP 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:
Hi CFPB! Because you exist, there is hope for the future of ordinary people like me. I am hopeful that the inaccuracy on my credit report will be corrected as soon as possible as I am not able to gain meaningful employment, qualify for direct plus student loan for myself and especially, parent plus student loan for my kids. This complaint against Midland Credit Management ( MCM ) stems from XXXX XXXX  XXXX store card. MCM told me that they will remove the tradeline upon receiving the full settlement payment. They received the payment, but they did not do what they promised they would do. Never mind my future or career, I need to be able to co-sign for my children 's student loans. And to do that, I have been paying off my debts. Had I known that MCM was basically misrepresenting that they will remove the derogatory tradeline, I would have just waited a few years to pay so I can use the money I paid them to pay for my kids ' tuition fees. Before the Pandemic, I had an excellent payment record witXXXX XXXX XXXX XXXX XXXXnd I am not disputing against XXXX XXXX XXXX My complaint is solely against MCM. I feel like I've been tricked to pay a lump sum at a time of inflation and tough job market - money is tight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: California Accounts Service
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
California Account Services has been reported medical debt for medical treatment from XXXX. They refused to provide a statement or information about the debt after I found their information while reviewing my credit report. I filed another complaint against them earlier in XXXX and they finally sent me copies of the statements with a handwritten note saying they were sending it in response to my complaint. I have not been given any notices and have not been contacted by phone or email since XXXX. After reviewing the records they sent I became aware that my primary and secondary insurance was never billed even though I had provided the information to them in XXXX. They are charging fees but refused to provide any details about the amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Experian Information Solutions Inc.
State: KS
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 Experian are incorrectly reporting a collection in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page 26 attached from my credit report. ) This account was opened without my consent or knowledge. I did not give permission for this account to be opened and I did not sign any documents on this account. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2021-02-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding incomplete and inaccurate information on my credit report. Reporting a public record which is a violation of 15 USC 1681 ( 4 ) on my credit report which states. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilties with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of my privacy as I did not grant them permission to place this item on my credit report and I insist that it be removed, for it is doing severe damage to credit and requested their method of verification. The credit bureau did not go beyond the original source and responded with an electronic response. third party response of information from the data furnisher only to " verify '' the accuracy of this disputed items. I requested the actual court document and other information that I did not receive. I feel like I am being taken advantage of and my FCRA rights are being disregarded and I am not having it. Section ( a ) it plainly I demand this account be deleted immediately or I will file litigation due to stress they caused me and for the violation which is {$1000.00} per each violation, try 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 2019-08-22
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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payment reported on the particular account : XXXX XXXX The account was never past due, I never made a late payment to this company ever please change this, I have a good relationship with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX to current there is a lot going on to summarize I am being forced into foreclosure no fault of my own. I have lost my loan to purchase a home because of this mortgage that is not in my name yet. It has been sold 4 times from XXXX XXXX XXXX XXXX XXXXand now RightPath servicing XXXX I have provided all documentation and everything asked previous companies dont give the files so I have to start back at 1 every time. Now I have been providing files since XX/XX/XXXX via email and my app uploads and the files are denied then I turn in the same files numerous time then it accepted half the time they wont speak to me and wont accept any payments my credit history is not being acknowledged I am forced to their terms they wont accept cash offers of {$30000.00} or borrow assistance money. Then they call me saying yes we have all we need but I am still in the first stage of modification which was my only option they wouldnt allow me to refinance in my name and start fresh forced to their terms. When I tried to sell the home and move on it was selling for less because its not worth XXXX and I was told I owe the rest. I am going broke fixing things that they wont cover under the home insurance but I still owe the back mortgage of {$10000.00} that I cant make payments on. My realtor told me last Wednesday when I showed her the house and whats going on that whats happening is illegal I just need help to stop stress I told them Im not give the same files that you already have again if the process cant move forward I have to take legal action. Then I was called again to turn in the same files I refused. They also make calls to non owner speaking about my house so they called me on 3way asked them to not call their phone about her house just call her. I had XXXX in my savings and have put XXXX into this house that is about to be taken from me for no legal reason I have purchased and sold a house faster then whats going I have gave it all the time I could I just want to be treated fairly but this is discriminatory and I never use that term but is obvious. Help me move forward please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX, BANK OF AMERICA XXXX XXXX XXXX XX/XX/2005 Balance : {$25000.00}

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-09-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX. Accounts : 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

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 2022-09-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had done nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my File. I have been sending countless letters appealing to Equifax to verify the disputed items and remove them if unable to prove that the Items are mine. In fact, I have sent them my FTC complaint report. I have been a victim of Identity Theft and the items I am disputing do not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Equifax about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. Once again, I am urging the Credit Bureaus to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never done business with this company. Also I have no knowledge of the account. This company has not sent me anything showing that this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of the alleged debt. I have never entered into any contract or agreement with Stevens Business Service. I have not received any written communication from Stevens Business Service which is a violation pursuant to 15 U.S.C 1692e False or misleading representations. 
( 10 ) The use of any false representations or deceptive means to collect a debt or obtain information concerning a consumer. 
This is also an alleged medical debt which pursuant to HIPPA Laws is a violation of my conusmer rights. Stevens Business Service did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the Stevens Business Service should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company response to consumer: Closed with explanation