BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: Innovis
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please Remove the following Numbers : ( 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 2023-12-08
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is stating that i owe a debt to them. Which I DO NOT. I have filed a ftc and police report now I will move to filing for defamation of character. I will be filing a civil and law suit for the trouble both companies have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently saw a copy of my credit file and was shocked to see the mortgage reporting inaccurately. I was NOT late XXXX or XXXX with XXXX XXXX. 

I also thought due to the cares act if you needed help XXXX it wasn't to show late payments. Why isn't this being followed? My report shows late XX/XX/21, XX/XX/21, XX/XX/21 and I was NEVER late XX/XX/21 and XX/XX/21 Please help get this corrected. I disputed and nothing has happened

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 2019-05-03
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The closing costs that I was told to expect changed significantly from the initial amounts I was quoted. I have tried emailing the Mortgage Originator and asked several times for their Compliance Department to review but this request has not been granted. I sent a very detailed message with all of the differences ( attached ) noted. If you can't trust the costs that are told to you when you decide to lock-in a rate to not be changed just prior to closing, where is the integrity of the financial market? I feel this is misleading to me, as a consumer.

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 2018-01-18
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just received notification that this account was added to my credit report. I did not receive a dunning letter. The address that they are reporting is not my address and I have never lived at that address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance Owed : {$1400.00}

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 2022-05-28
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Agency act XXXX, Equifax, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These address do not belong on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company repeatedly calls but refuses to identify their purpose for calling. When inquiring about whether or not they are collecting a debt, the company refuses to answer unless I provide my social security number. They then state that I refuse to comply/cooperate. I have not received any written notification and I refuse to provide my social security number to unknown callers. The number comes back to Wakefield and Associates and occasionally they will identify themselves as the caller ( but not always ). It is impossible to discuss anything with them on the phone otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In recent years I have had loans with Toyota and so far I have not received any refund for the extra charges made during the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had beyond disrespectful, disgusting and disappointing customer service with Freedom Mortgage. 

I have had called over the last 10 months everyday numerous times to have a partial claim completed and uploaded so that I could refinance with XXXX which only got completed in XXXX due to filing complaints with CFPB. 

Im now not eligible to refinance with the company due to how long it took and credit now dropping. 

I believe that first Freedom owes us {$400.00} for the last now 10 months that we could of saved if we were able to close on our refinance with XXXX if Freedom did not drop the ball. 

Secondly, Freedom should be willing to overlook and overstep anything and everything that needs to be done to get us into a conventional loan if that means pay these small collections off then do it! 

I can not believe as a mother of XXXX XXXX XXXX twins the fact that I have had to call in so many times over 10 months and I still sit here now on hold with Freedom as a type with nothing being resolved is disgusting. 

They should have to show the CFPB all the notes from me calling in!!!

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 2022-01-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Good morning. Why longs time I dont see my money refund to my bank account. Can you help me check please. And longs time I dont hear anything from your customer service about my CasXXXX number XXXX. 
My transfer money its not working that why I cancel it and I want my money refund back to my bank account please. 
I dont see anything about my money refund back to my bank account. What happens. Please give my money refund back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-15
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I reached out to Synchrony Bank back in XXXX regarding my JCP credit card. In this conversation I explained that I was going thru a financial hardship and I inquired about settling the account for less than the full balance. The representative gave me an amount to pay for that settlement and I paid it. Never received another statement again. It was safe to assume the card was considered paid off ; however, it has been reporting to my credit report for nearly 3 years as an unpaid charge off. I wrote a letter requesting this to be changed and it wasn't back in XX/XX/XXXX. At this point Synchrony Bank has violated my consumer rights and the FCRA and I am ready to pursue them to the furthest extent of the law.

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 2022-01-26
Company: Experian Information Solutions Inc.
State: NY
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 pulled my credit report in XX/XX/2021, and requested an investigation for XXXX XXXX accounts ( XXXX ) XXXX account ( XXXX ) and XXXX account ( XXXX ) reporting on my credit report due to not knowing what the collections are for. After their " investigation '' I received an email saying the accounts have been verified and will remain on my report. I requested another investigation in XX/XX/2021, received the same response.. Accounts are accurate and will remain on my credit report and in XX/XX/2021, I requested a third investigation being they aren't accurate and again rec 'd the same response. In XX/XX/2021, I sent a couple factual disputes letter stating that there was no way the accounts were properly investigated because if they were, the the last reported date would've changed to the most recent date of when I asked for the reinvestigation to XX/XX/2021 for the XXXX and XXXX, there is no FCRA dispute in the comment box for the XXXX and XXXX account, they wouldn't continue to report CO on the conserve account because they would've known its been paid if they investigated the account properly and they would've put the date of last payment for all XXXX accounts since they accounts have been paid. I also pointed out that they re aged the XXXX account which is a FCRA violation. I sent in copies of the last 3 months of my credit reports to show proof of the above mention. I gave the credit bureau XXXX separate times to fix the inaccuracies and violations and yet they failed to do so.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2022-01-20
Company: EQUIFAX, 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:
I disputed late payments on my credit report that was placed by XXXX  XXXX auto, they had 30 day leads that were in accurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from XXXX Equifax XXXX and XXXX  XXXX auto

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, 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:
Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report. 

XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX XXXX XXXX - XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX.- Inquiry : XXXX XXXX, XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Home Improvement ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX . 
XXXX Inquiry : XXXX XXXX, XXXX Telephone Companies XXXX XXXX XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities Contact the inquirer : MAIL ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with Seterus Inc., it recently transferred to Mr Cooper. I received a notice that indicated my mortgage was going up because I didn't have enough money in my escrow account for taxes and insurance. Now, up until maybe XX/XX/2019 was was paying my own homeowner insurance. 
I purchase Ins. from XXXX XXXX XXXX, policy XXXX, a month in the policy I received a letter indicating the price change to 3 times the amount.I asked them to cancel that policy and the still took {$800.00} and sent me the rest, which unfair to any homeowner.I then purchased with XXXX Underwriters ( XXXX XXXX ) I never had a gap in my insurance. I spoke rep from MrCooper who indicated Seterus adding to my escrow and a check was sent out to the Insurance, but returned with a partial amount. The insurance company rep stated, no check was every sent out because I paid it in full.Both parties were supposed to send me the documents, but I haven't received anything for either party. This is very frustrating because I'm on a fix income and can't pay an extra XXXX a month attached to my mortgage. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: FL
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:
Hello. 

As a conscientious consumer, I work very hard to to play within these unfavorable rules of credit reporting/scoring. I have NEVER missed/been late on a payment, CONSISTENTLY stay under 30 % utilization ( usually5-10 % ), but my score just blips upward month after month. XXXX, i use my credit in an event ( even staying well-below 30 % use ), my score goes down a significant ( unfair ) dive. 
If, the very next month, I PAY OFF the same amount used ( or more ), my score doesn't RECOVER by the same points. 

It is unfair, but ESPECIALLY in these HARD times of COVID that the " systems '' are so unfavorable to temporary usage. They should allow a XXXX period to see a pattern, before damaging our score. And ( at least ) should recover our scores with SAME aggressiveness by which it lowered it. 

It is very disheartening and oppressive to get kicked when down, but ignored when consistent ( trying ). Americans are suffering, and struggling. 
Who cares? ( seriously ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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. 
DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$12000.00} .

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 2022-12-11
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 am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below ) violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The creditor accounts ( attached below ) is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The creditor accounts ( attached below ) has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The creditor accounts ( attached below ) has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Company response to consumer: Closed with explanation