BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Pursuant to 15 USC 1681b ( a ) ( 2 ) I have given Transunion specific written instructions via certified mail for my consumer report. As I stated in my letter, this is not a dispute, but a demand. XXXX is in violation of my rights as a federally protected consumer. 

My federally protected consumer rights have been violated pursuant to : 15 USC 1681b ( a ) ( 2 ) - States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ). States I have the right to privacy.

15 U.S. Code 1681e ( b ) Sates a consumer reporting agency shall follow reasonable procedures to assure 100 % accuracy of the information concerning the individual about whom the report relates.

1681C ( a ) ( 5 ) - States that no consumer reporting agency may make any consumer report containing any adverse information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1666 ( b ) - States a creditor may not treat a payment on a credit account under any open end consumer credit plan late for any purpose.

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 2023-08-23
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make a inquiry and view my credit report. This is a violation of the Fair Cru Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as pc the Fair Credit Reporting Act section 6l1.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: GA
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 disputed a Public record Bankruptcy and the accounts included in the bankruptcy which are XXXX XXXX XXXX credit card account # XXXX, XXXX charge account # XXXX, and XXXX XXXX credit card account # XXXX. There was no proper reinvestigation done, nor was the requested proof of the investigation and verification given. I contacted the third party company and they provided proof that there was no bankruptcy in my file. 

Also, in accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: WELLS FARGO & COMPANY
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 had noticed that someone had been using my informatin without my approval. 
Here are the list 1.XXXX Creditcard XX/XX/2018 2.XXXX XXXX XX/XX/2018 3.XXXX XXXX XX/XX/2018 4.Wells Fargo XX/XX/2018

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 2018-04-14
Company: ERC
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:
XXXX XXXX is frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

Enhanced Recovery is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

I disputed this and they responded the information was accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: ID Analytics, Inc.
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: Account information incorrect

Complaint:
I applied for a credit account through XXXX XXXX Bank on XX/XX/19. They received a credit report from a company called Sagestream , LLC stating that my credit score was XXXX which was communicated to me in a letter that I received XX/XX/19. This is grossly inaccurate as a quick check of XXXX shows XXXX, XXXX shows XXXX, and XXXX shows XXXX. XXXX  was also at XXXX before the hard inquiry that resulted from applying for this credit line. A quick search on XXXX XXXX shows that I am absolutely not the first to have this exact issue with Sagestream , LLC and users who have tried to contact this company were prompted to send over sensitive information such as social security numbers which is against all recommendations from the financial advisors I have visited. This company should not be allowed to continuously report wrong scores to credit companies as it has resulted in I and many others having been denied after taking a hit from the hard inquiry.

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 2021-10-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTATION RELATED TO XXXX XXXX XXXX XXXX, XXXX GA XXXX FROM OCWEN MORTGAGE. THIS IS A FRAUDULENT LOAN.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2018-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account CHASE AUTO Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that CHASE AUTO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2022-07-17
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My fiancee and I refinance our loan with XXXX and received a nice lower mortgage payment of $ XXXX. Then XXXX sold our loan to this shady, unethical company called Flagstar. We received a bill on XX/XX/2022 stating that we owe them {$1200.00}, a {$250.00} jump from our regular monthly payment. They claim that it's due to a shortage in our escrow. This is XXXX! Flagstar pulled this XXXX with us before. They used to service our account. This is why we went with XXXX. This is a shady outfit and if you check your complaints you will see that many of Flagstar 's customers have similar problems with this shady, unethical company. 
I'm writing this complaint to add to the many complaints this company has. My next step is to go to the attorney general of Florida. My fiancee and I work too hard to have some out of state shady, unethical company steal money from us. As I said we work too XXXX hard. 
I don't know what help we can get from Consumer Fiancee Protection but we need protection from this lousy company. ( Flagstar )

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/XXXX via CFPB case # XXXX be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I will not accept information from your data furnisher ( LCI ) who has refused to provide me with the " Method of Verification ''. LCI  is relying on " Matching Elements '' from XXXX, in which I have disputed and therefore requires them to contact the bankruptcy court to ensure the " Completeness and Accuracy '' of this record. TransUnion and LCI  has violated FCRA Section 623 ( a ) ( 1 ) ( C ) and 15 U.S. Code 1681s2 which states no personal shall report to the CRA inaccurate information. LCI  or TransUnion has not contacted the courts and continues to report this " Inaccurate '' " Unverified '' information to my credit file causing great damage. I have attached the letters from the courts who has certified that they " Do not report to CRA 's ''. If TransUnion and LCI  disputes this, please do so in writing. Lastly, as stated in my previous disputes, LCI has no " Permissible Purpose '' to have my " Personal Information in their database. I have requested the removal of my personal information in a certified letter and an email to LCI. LCI has violated the Privacy Act of 1974 by phishing information and sharing it without permission from the consumer it relates to.

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 2021-12-08
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I switched banks in XX/XX/XXXX. XXXX setup a monthly auto-payment to pay {$1400.00} to Freedom Mortgage on XX/XX/XXXX, when payment was due, using my new bank account. Unfortunately, the payment did not process. Many other transactions to other services processed successfully and I missed the fact that the mortgage payment did not process. I received a letter in the mail on November 2nd, 30 days later, stating that I had missed a payment. I immediately logged on, discovered the error and payed {$1500.00} which was the payment due on XX/XX/XXXX in addition to the late fee of {$59.00} along with {$1400.00} which was the payment due for XXXX. On XX/XX/XXXX, I received an alert from XXXX stating that my credit score had decreased from XXXX to XXXX. 

Freedom Mortgage did not tell they were reporting a late payment. They did not provide me an opportunity to resolve the issue before reporting the late payment. Freedom Mortgage did not send me an email, a text message or a phone call to inform me that payment was not received. Freedom Mortgage DID HOWEVER make NUMEROUS phone calls asking me if I would like to refinance my mortgage. After telling them no multiple times, they continued to call. They left voice messages at times asking me again and again if I would like to refinance. Not once did they call me or leave a voice message to let me know my payment for XXXX was not received. I did not about the issue until I received a letter in the mail on XX/XX/XXXX - after 30 days has passed. 

I have been a Freedom Mortgage customer since XX/XX/XXXX ... 9 years. I have NEVER missed a payment or been late on a payment. I do not believe Freedom Mortgage provided me an opportunity to address this issue and that is why I am disputing this issue.

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 2022-10-23
Company: Experian Information Solutions Inc.
State: PA
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 enclosedcopies of the Federal Trade Commission 's 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 explanation
Consumer complaint received 2019-08-21
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a notice in the mail on XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX for a debt of {$400.00}. I called XXXX and spoke with a representative who explained this debt was from 5 years ago for a payday loan. I explained to the representative that I would be willing to settle the account with them for {$300.00}. The representative needed to request approval from her supervisor and placed me on hold. When she came back on the line she advised me that they would be willing to settle and close the account for {$320.00}. I agreed and she took my payment over the phone providing me with confirmation number XXXX. She advised they would be sending me a letter confirming the debt had been paid and I would receive it in the mail. I checked my credit report and noticed the debt had been removed from my history. 
Unexpectedly on XX/XX/2019 I received a letter from Radius Global Solutions, XXXX requesting {$79.00} for the balance owed to XXXX XXXX XXXX XXXX XXXX. Infuriated that XXXX would say they were settling with me only to sell the remainder of the balance to another debt collector I contacted Radius Global Solutions, LLC and spoke with XXXX. I explained to her the situation and asked her if they could review my call with XXXX to see that I was told the debt would be settled. She placed me on hold and stated her manager was going to work with XXXX and I would receive a call back. The {$79.00} is now showing up on my credit report and decreased my credit score! I didnt hear anything back from this company, so today XX/XX/2019 I called Radius Global Solutions, LLC again at XXXX requesting an update and the representatives are telling me they can not locate an account for me. This debt of {$79.00} has significantly decreased my credit score and  I want it removed! Please help me! I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 explanation
Consumer complaint received 2018-12-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On both XX/XX/2018 and XX/XX/2018 there appeared two hard credit inquiries on my Equifax credit report from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Upon being notified of the first hard inquiry from above company ( on XX/XX/2018 ), I put a temporary freeze on my XXXX, XXXX, Equifax, and XXXX reports. Additionally, I reported this to Equifax through their online dispute center. 

Then, as stated above, on XX/XX/2018 another hard inquiry from the above company appeared on my Equifax report, again. Upon seeing this, I placed a total 1 year fraud alert through Equifax which should trigger a notification to the other credit agencies automatically. Additionally, I disputed this second hard inquiry through the Equifax online dispute center, again. 

I do not currently use XXXX XXXX XXXX as a provider, nor have I applied for any of their services. 

Through a quick XXXX search, I have found many people claiming, on the XXXX XXXX XXXX forums, that they have experienced something similar in the past few months. People have described this exact issue, and have stated that the credit agencies have sent them to XXXX XXXX XXXX to resolve it, and XXXX XXXX XXXX sent them back to the credit agencies. 

This seems to be a cycle, that neither party, the credit agency nor the telephone company, want to take responsibility for. I really hope that through reaching out to you, swift action can be taken to have both of these hard inquiries, removed from my credit report. 

Thank You!

Company response to consumer: Closed with explanation