BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
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:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX XXXX, and this report is being composed by me. According to the consumer laws, the accounts listed here should not be furnished on my consumer report as they are in violation under XXXX XXXX code XXXX ; Permissible purposes of XXXX XXXX ( a ) in general subject subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ; ( XXXX ) By the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my written consent and instructions to report anything on my consumer report which violates my rights to the federally protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of these accounts in this report immediately. It's annoying lastly, according to XXXX XXXX XXXX consumer reporting agencies have assumed A vital role in assembling and reevaluating consumer credit.

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 2018-01-04
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan in XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00}. Now it appears that all the documents are fraudulent including the Note and Proof of Claim and I want to receive all info requested by my attorney in the attached QWR from the alleged new Trustee XXXX XXXX asap via Fax : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Mercedes Benz Financial Services
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against Mercedes Benz Financial regarding their inaccurate and incomplete reporting of an account on my credit reports. I have previously disputed the way this account is reported, but my concerns remain unresolved. 

The discrepancies in the reporting of this account are evident across the three major credit bureaus : XXXX reports the payment status as " Too new to rate ; Approved but not used. '' XXXX states " Paid, was a repossession. '' XXXX indicates " Paid or paying as agreed. '' Furthermore, there are inconsistencies in the reporting of late payments : XXXX reports " Past Due - 90 Days '' six different times. 
XXXX and XXXX, however, state that this occurred only four times. 
Additionally, I have observed that there are months in the full payment history of this account where the payment information is incomplete, indicating that the account is not reporting complete data. 

I have previously disputed these discrepancies with Mercedes Benz Financial, but their response concluded that the account is reporting accurately, which I strongly disagree with. 

For your reference, I am providing a copy of how the item appears on my credit report to demonstrate that this account is not reporting accurately or providing complete data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Continental Finance Company, LLC
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There are two outstanding fraud charges still unresolved with XXXX card, the amounts of {$370.00} from XXXX, {$350.00} from XXXX. A prior CFPB complaint was filed in re, unresolved, the account shows both charges re-billed, nothing received from either merchant.. Prior, I left several messages for a XXXX at XXXX, ext XXXX. A total of three messages were left, none returned, no one picks up when extension entered, messages are not returned. I was able to get one of the charges refunded, as per an email received from merchant, XXXX. Ive checked the account and do not see credit posted, it might have been refunded as a charge back in which case their disputes team might want to check into it..Most recently, I've been emailing a XXXX in fraud XXXX her email today shows a trade in device which was sent in to XXXX, their reps claim it did not pass inspection, it was in fact reinspected and passed in which case no charge back for it.. XXXX appears confused, claiming the XXXX charge is for the trade in device when it is not ... The trade in device was sent in several days after charge appeared, charged back since the ordered device, a XXXX did not arrive, reps later agreed to refund charge ... I wish to point out as I have in prior CFPB complaint, it is not my job to work out such charges directly with merchants, it is the fraud/disputes dept to do this ... They do not accept or return calls either which does not help in resolution to these charges.. My last email to XXXX stated she can reapply charge, however it will not be paid and again, XXXX agreed to refund prior ... As for the XXXX charge, that will also not be paid, I emailed in re as well, have not heard back as of yet..

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 2021-03-09
Company: A & O Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX XXXX A & O Recoveries has sent a letter in the mail and this letter does not include any verification that this account belongs to me. I have no knowledge of this account and have contacted the company. Upon, further research the debtor could not provide original contract or signatures. There hasn't been no form of communication or contract for this accused debt at all. According to the FCRA, A & O Recoveries has violated my rights as a consumer and I am requesting legal action to seize all collection activities and future communication.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-29
Company: Experian Information Solutions Inc.
State: MN
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:
A XXXX XXXX credit card account was opened in my name in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XX/XX/XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with XXXX, XXXX  and Experian and they have failed to remove this from my credit report. I am making a formal complaint with XXXX, XXXX  and Experian for failing to due there due diligence to respond to me and correct my reports.

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 2018-01-04
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company XXXX XXXX has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2017-07-26
Company: Kirkland Asset Management LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call at my place of employment from XXXX XXXX from XXXX XXXX XXXX ( employee # XXXX ) from a local ( XXXX XXXX County, CA ) number. He stated my father was on the phone ( my father is deceased for 10+ years by the way ) They had the wrong name ( message was for XXXX ) and they said that I took out a payday loan from XXXX XXXX ' XXXX and stopped making payments. They said I have a remaining balance {$3600.00} ( I believe this is illegal per fair debt practices laws ). They are going to sue my " father '' - civil law suit - and file a XXXX form withholding his fed/state tax return to obtain the judgment to satisfy their request. They are also attempting to contact his employer to verify employment so they can garnish his wages. With questions call XXXX x XXXX Reference Case # XXXX. Then said " as per law, legally '' my father has been notified ( such as yourself ). I have a recording of the voicemail. I called their office and they would not transfer me to " XXXX XXXX '' and said they were with a law office. When I tried to ask more info they hung up when they realized I was n't " XXXX. '' They called again the next day from the same number ( XXXX ) and I answered and asked who they were calling from and they said XXXX XXXX County and asked me for the social security number for " XXXX '' and when I refused they got aggressive so I hung up. I called back and asked for the name of their company and they refused to tell me. I threatened to file a complaint so they transferred me to a manager. I spoke to the manager and she said they were XXXX and were based out of New York. They asked for the number I was getting calls but because it was a work number with a direct line and other lines connected, I was n't sure what number. They asked for " XXXX 's '' last name but I obviously did not have it. They asked how I knew it was regarding a payday loan and I said because you told me on the voicemail. I told them I was going to report them and they said " we know the laws, go right ahead. ''

Company response to consumer: Untimely response
Consumer complaint received 2023-06-08
Company: ALTERRA GROUP, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to the CalFHA program on XX/XX/XXXX. 
And, on XX/XX/XXXX, I received loan numbers XXXX and XXXX from Alterra Home loans by application from ( Alterra Home Loans XXXX # XXXX | XXXX XXXX XXXX # XXXX ) It was informed that all the documents related to the loan had been completed and that the application would check if there were any documents required by the loan company. However, after 2 months, there was no contact, so I contacted the person in charge. However, he could not be contacted. 
The person in charge was contacted through numerous phone calls, voice messages, and emails. But he has no answer. I feel really bad. 
Below is the text of the last e-mail I sent to him. 


XXXX XXXX, XXXX XXXX XXXX. I'm in a pretty bad mood right now. I don't know how busy you are, However, this is not the right way to treat customers.. 

I duly applied for the program. 

Since the loan number was generated last month, if you need anything, you will let me know and it will appear in the application. 

So, after waiting for over a month, I contacted you because I was curious about what was going on. However, contacting you is as difficult as contacting XXXX or the President. I want to ask why I decided to talk with my son because I am not good at XXXX, but You did not answer the phone even when I called. In the meantime, I left numerous text messages, e-mails, and phone messages. however. you didn't contact me Why? Are you ignoring me because I can't speak XXXX? is it XXXX? Please clearly state your intentions. 

And, I need to explain why I have to make phone calls and why they don't call me. 

Please let me know by email how things are going.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: WELLS FARGO & COMPANY
State: GA
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:
Dear Consumer Financial Protection Bureau, CFPB : Wells Fargo bank is interfering with the processing of Checks disbursed by Georgia Crime Victim Compensation Program, GCVCP, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, GCVCP  writes the checks from a Wells Fargo bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM OF XX/XX/XXXX-THURSDAY CAR WRECK WHERE I SUSTAINED SIGNIFICANT XXXX, MEDICAL, AND XXXX XXXX. I have been APPROVED FOR {$25000.00} FOR treatment resulting from XX/XX/XXXX-Thursday car wreck, and currently GCVCP owes me {$12000.00} and have FAILED TO DIRECTLY COMPENSATE ( 1 ) XXXX  XXXX, XXXX XXXX XXXX XXXX {$440.00}, ( 2 ) XXXX  XXXX  XXXX  {$550.00}, AND ( 3 ) XXXX ( XXXX XXXX XXXX XXXX ) {$5900.00} FOR UPCOMING XX/XX/XXXX through XX/XX/XXXX workshop attendance. There lackadaisical attitude is interfering with THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts because they are directly causing me to incur THEIR DEBT BECAUSE THEY DONT PAY THEIR ITEMIZED BILLS GIVEN TO THEM. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : 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 2023-07-27
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I've sent out certified letter over XXXX days ago and I have not heard one peak out of this Transunion. I have no idea if they are even investigating my request. There are a few things on my credit report that is completely wrong and inconsistent. I ask that they complete a investigation and to these items and crickets. I can provide letters showing what I sent. I need help please my employment relies on it

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 2019-12-22
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom this may concern, I have contacted all 3 credit agency about this account and ask that they valadate this account becouse I don't have a contract withis company and asked that it be deleted and they refuse to do it and it is in accurate and they keep saying it's accurate but will not send me a copy of a signed contract with my signature on it plase help me take care of this issue as soon as possiable. 
amout on this account is {$2000.00} I started contacting them about this account on XX/XX/2019 and with no removal yet, I asked that is accunt be removed for 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 non-monetary relief
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed multiple items on my report a couple of times I have not received no verifying items of these matters in my report and I have seen no letters detailing why these items have been on my report I read XXXX days of not verifying items on my report it has to be deleted

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 2022-01-16
Company: Mr. Cooper Group 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: Old information reappears or never goes away

Complaint:
I have filed complaint regards to this matter that Mr Cooper ran my credit and still reporting to credit bureaus even though I have their emails and they were agreed to remove it and after that they failed to respond everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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: Was not notified of investigation status or results

Complaint:
I have disputed multiple items on my report a couple of times I have not received no verifying items of these matters in my report and I have seen no letters detailing why these items have been on my report I read XXXX days of not verifying items on my report it has to be deleted

Company response to consumer: Closed with explanation