BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: MO
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 U.S Department of Education : # 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 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 2018-12-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a fraudulent hospital bill for XXXX $ on my credit report. XXXX immediately corrected it. I've submitted several disputes to Equifax and when they email me a link to login and review the result, I'm required to fill out a questionnaire about my credit report to verify my identity. Not even 1 of the 4 questions have any accurate information regarding my true credit report. I've attempted this 10 times already. The collection company is XXXX XXXX XXXX XXXX. I asked them to send me a copy of the bill. The bill doesn't show any services received or reason for the charge. I did attempt to go to the hospital on the date of the bill. But I only went as far to sign in. Once I learned It would be more than an 8 hour wait, I immediately left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX : Mohela was called, I requested a XXXX dollar refund for payments made in allowable refund period. 

Twice I called to ensure the refund was still processing, 10 days and 30 days after the initial call. There is no longer any way to contact them, I have called and waited on hold for up to XXXX hours and XXXX minutes. I can no longer trust that my refund is being processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX I went to XXXX XXXX community to put a deposit on a townhouse that is being built and to be completed by XXXX or XX/XX/2019. 
XXXX XXXX Went back to XXXX XXXX to meet XXXX the loan officer from Loan Depot to get pre qualified. I am already pre qualified with my own lender, how ever part of the process to buy a home with XXXX XXXX is to get pre approved by their preferred lender Loan Depot. I filled out the loan info with XXXX. Was told it's good to go. Got a disclosure packet and was told by XXXX that she would send us a link to upload financial documents so we can get our pre qualified letter to the builder to sign docs and get into contract. 
XXXX XXXX After many reminders to XXXX she sent over the link to upload documents and also sent a loan quote. She also sent of a list of debt to be paid down to 30 % ( my debt is 25 % usage which is under 30 % ) XXXX XXXX, I had a family friend become a co borrower to help get the loan. All docs were sent in XXXX XXXX Back and forth emails and text trying to get answers as to if I am pre qualified, finally on XXXX XXXX I get a call from XXXX saying that everything looks good she is going to send the pre qualified letter to XXXX XXXX builder. It took 5 days for XXXX to say we are pre qualified. 
XXXX I go to XXXX XXXX to see the homes one more time and to talk to the office staff. The staff told me they talked to XXXX and they are waiting for the pre qualify letter to start the process to get into contract. I was given a welcome folder and congratulations letter. Later that evening XXXX called and said we don't qualify. We are 4 % over ratio. 
XXXX XXXX I emailed and text XXXX several times asking what the numbers were and what is the 4 % off so I can fix it. No answers XXXX I called XXXX XXXX office staff and told them I can't get any answers from XXXX , they reached out to her she then emailed me a drastic change in numbers, that I have to pay off my debt to XXXX balance, that our co borrower also has to pay hers off to XXXX balance and quoted us the highest interest rate of XXXX and highest PMI of {$870.00}. Things went from paying down credit to 30 % to paying down to zero balance ( side not my XXXX report says I am at 25 % usage which is under 30 % ) and to the highest rate and numbers on the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ; XXXX  and Transunion are reporting incorrectly a ( 30 ) day late on the XXXX XXXX partial account number XXXX. ( Please see page 4 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, 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 2019-08-16
Company: Swe Homes LP
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am extremely concerned about the method in which SWE Homes, LP is handling my request for permission to be late on my XX/XX/2019 payment and my XX/XX/2019 payment. 

I have made partial payments totaling to my XX/XX/2019 payment plus the late fees and fines which equaled {$450.00} according to SWE Homes, LP. My total payments which were paid within the month of XX/XX/2019 = {$470.00}. I requested time to pay the XX/XX/2019 payment, and even had funds remaining to go toward my XXXX bill. 

SWE Homes, LP sent ( 3 ) payments back with a letter threatening payment in full of the XXXX and XXXX bill or a foreclosure. SWE Homes, LP never replied to my communication as to why or what. They just sent letters saying pay this, as if they have not recieved payments from me. 

I mailed to them a letter as to how I made these payments and even instructed them to use funds from monthly over-payments made to SWE Homes, LP from my account to go to my late payments. But everyday, they send back the installment/ partial payments that I made. Not telling me anything was wrong or what, they just send the foreclosure notices and money order payments back. 

I think something fishy is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-10-23
Company: EQUIFAX, INC.
State: NV
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 receive a copy of my credit report after both my husband and I received a call from a bill collector that we were not affiliated with. Upon further research we both seen that there was a lot of accounts and other personal info on our reports that neither one of us authorized or belong to us. I filed a police report, an identity theft report, and disputed with all three major bureaus. They still have not been removed and its been months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
0n XX/XX/XXXX, I purchased a money gram money order for {$390.00} made payable to the US TREASURY my income taxes. I mailed the payment with a letter to the IRS IN XXXX CA. The money order was cashed on XXXX during the government shutdown. I had to send a anther XXXX to the government. I contacted MONEY GRAM 8 times finally on XXXX requested a form for a copy of the cashed money order. Received that on XX/XX/XXXX, phoned that day and requested fraud complaint and they mailed another report. Received that report on XXXX. Mailed that report in and I have phoned this number XXXX times to no avail ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: IL
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a ( 30 ) day late on the XXXX XXXX partial account number XXXX. ( Please see page 4 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: American Credit Acceptance, LLC
State: OK
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:
American Credit Acceptance closed account charged off money as bad debt/Sold to collection agency, on credit report shows open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital one fiance misuse of down payment, etc & capital one data breach had many inquiries and my other credit card and accounts being hacked and resulting in multiple credit repair costs and credit monitoring etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: IL
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 to the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ; XXXX and Transunion are reporting incorrectly a ( 30 ) day late on the XXXX XXXX XXXX account number XXXX. ( Please see page 2 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, 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 2019-08-16
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: Account information incorrect

Complaint:
Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX Bank XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on XXXX  is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In Equifax and XXXX there is nothing negative in the payment history reporting, in XXXX  why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.

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 2019-08-16
Company: EQUIFAX, INC.
State: IL
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:
Equifax ; XXXX  and XXXX are reporting incorrectly a ( XXXX0 ) day late on the XXXX XXXX XXXX account number XXXX. ( Please see page 2 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however  XXXX XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: DISCOVER BANK
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of this year, I made a dispute with XXXX about my discover credit card since my increased limit did not reflect on my report. Instead of reflecting the correct limit, discover deleted the account off of my XXXX credit report. I've tried to get this resolved 3 separate things or an explanation for why this happened. I still use this card and have an open account. Also, discover still reports to the other 2 agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
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:
These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. 

Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All 3 credit bureaus are reporting 2 collections on my credit report that is inaccurate. I have asked for proof of the collection being valid and for proof that notice was given to me. Neither has been provided.

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 2019-08-16
Company: Texas Guaranteed
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Trellis Company  is the problem;1. They claim I had student loans when I wasn't in school.2. They claim that I was somehow able to borrow more each year than the legal limit.3. I am a XXXX in a district that is considered a low income school district and somehow I am unable to receive debt forgiveness. I have never been given a reason why I do not qualify.4. Trellis  garnished my wages without my knowledge. The letter they sent to me was dated XX/XX/2019 but they garnished wages in XX/XX/2019.5. The federal promissory note that Trellis  has;   a. Is Not signed by me (It has someone else's signature)   b. an address that belongs to my mother, an attorney, in Texas that was dealing with Trellis  last year.  c. missing information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with HSBC. Please provide validation of this debt associated with account ending in XXXX. Do not call, please. Communicate in writing only.

Company response to consumer: Closed with explanation