BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: CrossCountry Mortgage LLC
State: LA
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:
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with FD/CROSSCOUNTRY MORTGA. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been fighting with equifax since I started trying to fix all errors on my credit report I noticed in XXXX last year. The problem is everytime I sent something in the day they cant verify me. I've sent license birth certificate utility bill w2. For last 4 months they keep sending me this stupid letter that they cant verify me. I called twice. Both recorded and they said everything was good but yet here comes more letters saying they can't verify me. So than they are not investigating any of this bad stuff on my file even though they claim they are but yet I keep getting these letters. Its very frustrating and Im to the point of calling a lawyer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: NC
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$710.00} ; CHILD SUPPORT ENF XXXX XXXX Balance Owed : {$180.00}.

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 2023-08-07
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: Account information incorrect

Complaint:
I filed numerous complaints about the fact that TransUnion LLC is reporting inaccurate information on my personal credit report. At the same time TransUnion LLC is providing a wrong evidence in response to my complaints. For example, in my latest complaint from XX/XX/2023 I complained about that I do not recognize an inquiry from XXXX XXXX XXXX  XX/XX/2023. In response to my complaint TransUnion LLC sends me excerpt from my an INDIVIDUAL account - XXXX XXXX XXXX which I never complained about. Please see TransUnion LLC investigation result letter attached that clearly states that this is individual account and in my complain I clearly dispute some not related to my business account that I never applied for. Just in case I am attaching the complaint letter that I sent to TransUnion LLC. 
In addition TransUnion LLC is reporting other inaccurate information on credit report : XXXXXXXX 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 2023-03-15
Company: CNG FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Check n go changes its name to consumer adjustment put it on my credit report after 7 years like I just opened an account last month. Now I have them as a new account for another 7 years. Totallying 14 yrs. I dont think XXXX is reporting fairly removing old accounts from 7 to 10 years. I dont think this is fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: BARCLAYS BANK DELAWARE
State: LA
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:
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with. Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) with for review or collection.

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 2017-10-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has some kinda of block on my credit file. I sign in to equifax XXXX my credit report does not display and I can not lock my credit file. when i call the customer service number I am told I dont have a credit file. XXXX XXXX worked for me only on 1 day XX/XX/2017 and one day only. After that equifax placed some kinda of block preventing my credit report from displaying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sent XXXX XXXX XXXX a letter asking for validation of debt with the original application from XXXX. Because I contacted XXXX and they said they don't have any accounts for me other than my XXXX XXXX and XXXX Unlimited Memberships. Been trying to resolve this issue due to my employment requiring my credit be clean. This company is jeopardizing my ability to earn a living. I have already file an complaint with the FTC and Identity Theft, gov and I have hired a firm specializing in resolving credit issues. I should not have to come out of pocket to clear up something that it would take all of 5 minutes for MCM is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with XXXX XXXX. As of XX/XX/19 my mortgage was sold to Specialized Loan Services. When the Loan was transferred I was up to date on payments. I received an Escrow refund from XXXX XXXX for {$170.00}. When finally Received a Bill from The new mortgage company at the end of XXXX there were additional charges of {$370.00}. No one could tell me what the are for. A Statement say that it is delinquent taxes. But when I called SLS they couldn't say what it was for. on XX/XX/19 I sent in writing to SLS a request for info on the charges and have not received anything but an acknowledgement that they received my letter. My taxes are paid through my mortgage if they were paid late by the mortgage company I don't feel that I should have to pay a late fee., If that is what the fee is for. I have been paying my mortgage but my last statement said they will not that a partial payment because I have not paid this 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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX, I had a loan which is {$28000.00} opened XX/XX/XXXX and was paid in full without missing a payment. the company XXXX XXXX XXXX XXXX closed the account after it was paid in full on XX/XX/XXXX. 

The reason I'm writing to you is in fact is the way this credit reporting agency reported on my score. Dropping my score 58 points when account was PAID IN FULL. please help me and see what you can do. 
Thank You 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 2022-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reporting false and inaccurate information on my consumer credit report. In violation of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
COMENITY BANKXXXX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( COMENITY BANKXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Innovis
State: ME
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:
Account is reporting as charged off since opening date. Account should be reporting as paid, never late. Account is XXXX XXXX XXXX. Account has a limit of XXXX, with the last payment due of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian is govern by 15 USC and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 
Accounts : 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 2022-09-10
Company: WELLS FARGO & COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Advertised everywhere that people can open an account entirely online. They go through the process of opening an account, then request you go to a branch to verify your ID or they will close your account. Entirely misleading.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I sent an investigation request to Transunion regarding 8 accounts that should not be reporting on my credit report any longer, These accounts have passed the legal statutory time that they should be reporting on my credit report, they are intermediate accounts which means they are closed and paid in full. They are over 7 years old. 

Furthermore, the accounts are enrolled in the Dept of education XXXX XXXX program which states This program eliminates the negative effects of default for borrowers with defaulted federal student loans. Credit Reporting Features and Protections Due to the Fair Credit Reporting Act, loans that have been delinquent for more than seven years generally do not appear on credit reports produced by credit reporting agencies. To ensure the maximum opportunity for borrowers with eligible defaulted federal student loans to get a fresh start, XXXX will delete reporting about loans that have been delinquent, even if the borrower enrolls in a repayment plan through the XXXX XXXX initiative ; report all other defaulted loans to credit reporting agencies as current and not in a collection status ; and use a loans original date of delinquency if borrowers become delinquent or go into default again after this XXXX XXXX opportunity, which will not reset the seven-year timeline for a borrowers credit report. 

PLEASE REMOVE THE EIGHT ACCOUNTS. AS THIS IS PART OF THE FRESH START PROGRAM TO NOT REPORT COLLECTION OR DELINQUENCY. 

I have included all supporting documentation

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 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have sent them numerous letters disputing XXXX XXXX being fraudulently on my account and they have not removed it i also told them to request proof that of me either filling out information or me personally showing my id getting the auto loan they have not did anything to remove this dispute off my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: West Coast Servicing, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing this complaint to address the fact that I did a modification with my previous lender ( XXXX XXXX XXXX, XXXX ) 3 years ago who sold the loan to the current loan servicer ( West Coast Servicing ) ; when the modification was finalized the balance on the account was brought current. I have been working with West Coast Servicing and gave them proof that the loan was brought current from the modification and they are insisting that I owe them XXXX dollars. Please see supporting documentation that I have been making all payments for 3 years and the account is brought current. Included in the attached are the paid checks for Year XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX are available through West Coast Servicing because I submitted those statement directly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: VA
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:
I filed a dispute with Equifax for the reporting of inaccurate information. My initial dispute was on XX/XX/XXXX. The dispute results came back and it was not resolved. I contacted the original creditor and they stated the reporting was done in error. I filed another dispute on XX/XX/XXXX and XX/XX/XXXX. I submitted documentation with the dispute to show this was inaccurate and they would not update my account and are violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: General Motors Financial Company, Inc.
State: NC
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:
I pulled my XXXX credit report and found Americredit Financial Services had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, i am in the group of people that was ripped off by XXXX XXXX. I have been fighting and waiting for the loans to be discharged for over 10 years. I have gotten emails from companies that have said that I am in the group that should have the loans discharged do the court case. and now I see that Biden just approved more money to help students out with this for-profit schools. I have serval emails from various lawyers and other companies that said they would get this moving but with little action.

I have been paying what I was told to at a min and most are on the national emergency forbearance that ends on XX/XX/21.

This has killed my credit score and I need to get this cleared up as promised. and if possible get back the money that I paid into the loans as well. 

Please see attached pictures and feel free to call me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-21
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:
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 non-monetary relief
Consumer complaint received 2023-03-15
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rausch Sturm LLP took funds from my savings account and checking account and refuses to give me documentation to back up the debt they claim I owed or send me a receipt of payment for what company and amount these debts are.

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