BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: FirstPoint Collection Resources
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received notice to dispute. First Point Collection Resources placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Nelnet, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
information on the credit report that is not mines. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.

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 2021-07-20
Company: EQUIFAX, INC.
State: MD
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:
EQUIFAX Continues reporting information more than 30 days after investigation of debt verification XXXX , XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/2017, XXXX made a hard inquiry on my credit without my knowledge. It is showing up in my Trans-Union Credit Score. I called XXXX and was told by giving my personal information to the salesperson, I was giving them permission. The salesperson did not tell me and I did not know he was using this information to sign me up for credit. I was looking into buying a mountainbike and thought he was just getting my information for the sale. I called Trans-Union and they need a letter from XXXX which I can not get.

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 2020-11-28
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my husband applied for a modification through the hamp program, he was approved for the modification, even though PHH, is dening he was approved ( i have the original paper work ). as part of the modification agreement Ocwen ( this was the mortgage at that time ), we were suppose to receive a credit towards the mortgage every month for 5 years of {$83.00} or 1/2 off the mortgage, whichever 2 were the lesser, we were also to receive a {$60000.00} forgiveness off the total mortgage of the loan, we did finally received the forgiveness money, after I inquired about it. my husband passed away in XXXX, and after going through some of the paperwork, I realized some the incentives were never done, so after the PHH the incentive of {$60000.00} was given ( I have the payment history statements from XXXX-XXXX ). but he issue still remains with the {$83.00} a month incentive was never give. PHH complaint is that we were late om our mortgage payments, which is not true, so we were not entitled to the incentive, if this true we would never received the {$60000.00} incentive ( this was done in 3 equal payments ) .I have on several occassions wrote to the research department about this issue, and have been denied each time, so if I can not get this matter resolved through this complaint department, then i will have to seek an attorney, please be aware that I am now the owner of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Brightfunders, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX - Assistant Vice President in XXXX XXXX, OH for Homeside Financial messaged me about getting a lower interest rate on my mortgage. On XX/XX/XXXX, I told him I would be interested but only if a credit check would not need to be done as I just purchased a new vehicle and did not want another hard pull on my credit report. He leaves me a VM and text on XX/XX/XXXX stating he had a few questions for me. I responded stating I received notice just before his call that a hard credit inquiry for a refinance was conducted without my permission. He stated it allowed for 45 days to get quotes from other lenders without any other hits. After collecting financial info on the XX/XX/XXXX, that is the last I heard from him despite daily texts from me asking for updates. My biggest issue was pulling my credit without authorization which resulted in my score going down even more and then ignoring my questions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: LoanCare, LLC
State: UT
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 have a mortgage loan with LOANCARE. they are reporting to the credit burau the account is " FHA REAL EA+STATE LOAN ; ACCOUNT INFORMATION DISPUTED BY CONSUMER.

I called the company and said I no longer dispute the account information and would like this removed. The company said to fax a written request to a number they gave me and they would remove this. I did this. they didnt remove it. I called back and they said they refused to remove this information and laughed at me. I asked why and they said because they do need to change this regardless of the fact I dont dispute this information. They are refusing to remove this so I have to continue to pay them higher interest than the market

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 2019-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I attempted to purchase XXXX tickets to the Broncos/chiefs game in XXXX from two separate individuals and was scammed by both. The first did not send any ticket through XXXX as promised and the second individual sent scanned tickets through email that when I got to the XXXX stadium ( 1.5hr drive ) I was told they were not authentic. Both individuals blocked my number and would not answer when I called from a different phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2018-12-27
Company: Experian Information Solutions Inc.
State: IL
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:
While looking at my credit report under the 3 major reporting companies, for example XXXX XXXX, I noticed they all had reported me as being under a Chapter XXXX on one account or another. I was under a Chapter XXXX from XX/XX/XXXX until this year when it was discharged on XXXX. I had my attorney write a letter to them but it's still shows up as a Chapter XXXX on some of the account reports. My XXXX XXXX filed a Chapter XXXX in XXXX of this year just before the Chapter XXXX was discharged but that had nothing to do with me or my Chapter XXXX per my attorney and the bankruptcy trustee since the Chapter XXXX was separated between us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
I called equifax to obtain a copy of my credit report, I was told because I couldnt answer the question thats on my credit report that I have to fax a copy of my ID and social security card, against my better judgment, I faxed it but I havent received a copy of my report. The purpose of contacting the credit bureau is to see what is on your account. Because the question that was asked either had nothing t I do with me or the questions are so old I dont remember. I want my credit report because I feel the data thats listed is incorrect, and I have been denied credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
On XX/XX/2019, I noticed that there was an inquiry to my TransUnion report. The inquiry was submitted by XXXX. 

XX/XX/2019 at XXXX XXXX ( Hawaii ) I called XXXX at ( XXXX ) XXXX to address the concern that someone fraudulently is using my information to open an account. The woman said that there was most likely a mistake that someone " entered something wrong '' and that there was nothing they could do, and that there was no way for them to track who did it. 

I've never had a XXXX account in my life. This inquiry should be removed from my credit report, as multiple inquiries can affect your score and the obvious fact that this was someone else ( fraudulent or " mistake '' ). 

Thank you for your 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 explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: DE
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 XX/XX/2021 XXXX XXXX XXXX XXXX " XXXX XXXX '' has added an derogatory mark on my credit report per XXXX  XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection also there was no written contract or signature for the accused debt presented at any time. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXXXXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately. My Hipaa rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX  XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}. Please delete ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: SYNCHRONY FINANCIAL
State: OR
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:
Synchrony Bank issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

SYNCB/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 monetary relief
Consumer complaint received 2018-12-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!

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 2020-12-14
Company: Debt Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I ordered a Electronic exactly from the company I owed towards. The electronic ended up getting stolen/lost while I was at my friends house. Now these people are saying I owe for somthing that I have no presence of even having it. I called them very rude and pushy on the phone lines. They say I called them before and promised I was going to pay them which also isnt true cause they called me multiple times while I was at work and I told them I would get back to them and they repeatedly are pushing for money. 


NOTES * This debt payment was requested back on XX/XX/XXXX and I just received my first notice today from them which is XX/XX/XXXX and there saying im overdue without giving me a notice back in XXXX. 

XXXX Very pushy on the phone lines begging for money that I dont owe. 

* Also the address they have listed as the agency address is Fake cause I checked XXXXXX/XX/XXXX and the place is a clothing store plus a clothing store websit and they also asked me to send my dispute to a place that doesnt even exists. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ma XXXX ( CLOTHING STORE NO DEBT PLACE AT ALL ) PHONE : XXXX ( Pushing for money Seems Fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XXXX of 2022 I was made aware that something negative had hit my credit. Upon inspection I found that " enhanced recovery CO L '' had come into possession of an XXXX $ debt. From XXXX phone company. Now I had recently closed my account and paid it off on full as I was not receiving cell service most places I went. I ported my number over to XXXX  which again, I was only able to do once I paid my XXXX account in full. Come to find out that on XX/XX/2022 XXXX sold " my debt '' of XXXX $ to enhanced recovery CO XXXX This now effected my credit. I called XXXX and attempted to pay the past due after questioning the validity of it. They strongly affirmed that the XXXX $ was accumulated post phone bill date and would be " final usage bill ''. They would not allow me to settle as the debt was no longer theirs. I have now tried twice to pay it in full of deleted without any luck. I never received any sort of notification that I owed any additional money post canceling service. The phone company claims to have sent a letter to what sounds like the correct address. I never received any such mail from them in that time. I still continued to have the same email and phone number as before but the phone company claims that their only form of notifying me of this debt, was through a ( well known ) failing postal system. They had no intent of using the technology that they peddle to assure I received notice. I'm not sure if they sold it to creditors out of spite from me canceling, or if it was simply to close all accounts at the time ( exact timing of XXXX merger ). But either way I think I should be able to pay what I owe without it effecting my house purchase for the next 7 years. I never missed a bill with them. I've never missed XXXX with XXXX either. When I know I have the bill, I always pay it.

Company response to consumer: Closed with explanation