BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}.

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 non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 looked over my consumer reports and i did not give consent of these accounts to be furnished on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent copy of letter from XXXX XXXX XXXX 3 times showing a 30 day past due is to be removed from my reports. This still has not been removed

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 2022-09-14
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Delete Collections from AFNI from XX/XX/2022. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; XXXX XXXX debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: SC
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 was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$1000.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Opened a secured credit card with US Bank and provided them XXXX dollars. On XX/XX/2023 they called and stated account was being closed due to underwriting. No warning was given, advised to over night/expediate my funds back. Waited 3 days, contacted US bank again, they stated the account was closed but the savings account that held the secured funds would not be closed until XX/XX/XXXX. I stated no you will get my money back to me as you closed my credit card and I want my funds. Agents hang up and on calling back they just hang up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received this letter stating I was placed in the collection agency by XXXX XXXX, whom Ive never done business with.

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 2019-12-03
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:
Since XX/XX/2019, I try to eliminate errors in my credit report from XXXX, XXXX, Equifax. They present certain debts which I do not recognize and according to the law I decided to dispute those accounts. I have sent a number of letters asking to verify why these accounts are being reported under my name since I don't know any of these companies. I even went directly to these companies and I ignored my letters, I never received a response from them. I let XXXX, XXXX  and Equifax know and they only replied that they had been verified. I ask for evidence of that and I don't answer either. I'm already tired of these companies doing what they want with humble people and damaging their credit report with false information. XXXX, XXXX  and Equifax show accounts that I never had with companies I don't recognize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX. I hope you can stop this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are address that I do not recognize.There are Different variations of my name that are not mine. 

My only legal name is 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 2022-09-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was ill, I lost my income, I tried to negotiate with the bank to try to do a modification, recently I tried to do a short sale in order to preserve my credit and maintain hopes that in the near future if my financial situation turn around I will be able to purchase a home for me and my family. The lender has stalled my request for mortgage assistance as they have denied a 3rd party authorization to speak on my behalf although I have granted them permission. The mortgage has several violations 1st the lender does not have the original mortgage note and has not presented the original mortgage note 2nd the lender has not acted in good faith to resolve this matter with me 3rd the lender although I had covid and my family was ill the mortgager did not acknowledge or offered me any COVID relief during the period thaXXXX XXXX XXXX XXXX 
4th the mortgagor failed to comply with RPAPL 1304, 1306 & 1307 Finally I would like a full copy of my mortgage records to be forwarded to me from the lender which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX ( Original Creditor : XXXX SANTANDER CONSUMER USA INC ) has been fraudulently reporting on my personal credit. This account has been addressed with XXXX and Santander under the fraud they have committed against consumers. I have sent certified mail return receipt and still its reporting. This debt with Santander is FRAUD and they sold it to XXXX after they claimed it was resolved. I am so tired and frustrated from these antics. How do they get away with violating a consumer. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. There are so many questions that are popping on my mind now. Like why are you doing this kind of thing to people appealing to your company? Oh! I forgot! YOU HAVE DONE NOTHING! You there at Experian are really hilarious. The other bureaus have already deleted the accounts below but you still managed to report this fraudulent information on my file. So hows that?! THIS IS NOT ROCKET SCIENCE YOU KNOW? Now, I am sending my dispute letters again along with my FTC and Police Report. I dont know if youll be doing it right this time but let me tell you that you are allowing slander on my credit report! So follow the law under FCRA DELETE these items now! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: PR
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:
Ask Equifax for the independent investigative method they used to make the decision that the XXXX XXXX account they report on my credit is mine, and they refuse to send it to me which is a violation and they should remove that account from my credit report. It was opened in XXXX of the identity theft and I sent the report that says so, with the report they do not delete the account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my privacy and confidentially under 15 U.S.C 1681.

Account name- XXXX XXXX XXXX XXXX XXXX ... My transunion credit report states I wasn't delinquent in XX/XX/XXXX but experian credit report is reporting a 30 late payment in XX/XX/XXXX. In XX/XX/XXXX, XXXX credit report states i was late 30 days but experian report, reports was 60 days late. My last payment on this account was XX/XX/XXXX. Both transunion and XXXX reports a final payment of {$370.00} but but both reported that i was 90 days late. All of this info is inaccurate. 
XXXX XXXX  # XXXX ... My transunion credit report states I was 120 days delinquent in XX/XX/XXXX but experian credit report is reporting a 150 day late payment in XX/XX/XXXX. In XX/XX/XXXX, XXXX credit report states i was late 120 days but experian credit report 150 days late. All of this info is inaccurate. 
XXXX XXXX XXXX # XXXX... XXXX credit report, reports maximum delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX but experian credit reports reports delinquency payments of 30 days in all of these following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All this info is inaccurate. 
XXXX XXXX XXXX... XXXX credit report, reports maximum delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX and but experian credit reports reports delinquency payments of 150 days in XX/XX/XXXX, not 120 days delinquency. In XX/XX/XXXX experian reports shows 90 days late not XXXX. This info is inaccurate. 
XXXX # XXXX... XXXX credit report, reports maximum delinquency of 120 days in XX/XX/XXXX but experian credit reports reports delinquency payments of 150 days late in XX/XX/XXXX. In XX/XX/XXXX XXXX reports a 120 day late payment history but experian reports that this account was in collection in XX/XX/XXXX All this info is inaccurate.

15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c. 1681c ( a ) ( 5 ) section states. no consumer reporting may make any consumer report containing any of the following items of information. Any other adverse item of information, off than reports of conviction of crimes which antedates the report by more than seven years.

15 u.s.c. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consusumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Bread Financial Holdings, Inc.
State: NY
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:
Comenity Bank has NOT reported any of credit cards account information to any of the three major credit bureaus in more than 90 days ( Over three months ) their last reporting was in early XXXX and this is negatively impacting my credit score, since i have been consistently making payments to lower my balances and as of XXXX all of my five accounts with Comenity bank had been paid in full. However, as of today XX/XX/15 has yet to be reported to the credit bureaus. 
When I contacted them they couldn't even provide a reasonable ( if any ) excurse at all as of why they have failed to report to the credit bureaus. 
My responsibility lies in paying these bills every month. Theirs is to report to the agencies. I been doing my part why haven't day?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We originally had a first and second mortgage with XXXX XXXX in XXXX. When we were unable to pay the second mortgage in XXXX the bank agreed to modify the first loan ( # XXXX ) and charge off the second loan ( # XXXX ). These terms were worked out and agreed to by bank representative XXXX XXXX of XXXX XXXX, and it was our understanding that the first mortgage modification would cancel the second mortgage completely. However, a year later we began to receive notices from various companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX saying that we still owed money on the second mortgage. For years we asked for proof from each of these companies and none was ever presented. 

In XXXX we began to receive notices from Specialized Loan Servicing. We again asked for proof that we still owed this money, and this servicer took XXXX years to actually provide it. Then late last year they sent us a letter saying that they intend to foreclose. 

We did some research and it seems that both of our loans are owned by XXXX XXXX. Our first mortgagewhich is in good standingis part of XXXX XXXX XXXX  XXXX XXXX, Mortgage Loan Asset-Backed Certificates, Series XXXX, XXXX XXXX XXXX XXXX XXXX as Trustee , ( serviced by Select Portfolio Servicing ) and the second ( defunct ) mortgage is part of XXXX XXXX XXXX XXXX  XXXX XXXX Mortgage Loan Asset-Backed Certificates, Series XXXX, XXXX XXXX XXXX XXXX, as Trustee ( serviced by Specialized Loan Servicing ). 

We have tried every option that SLS has offered us and they are all unaffordable. We have offered them a Short Negotiated Payoff Offer of {$14000.00} ( our complete savings at this point ) but they rejected it, saying that they want us to pay close to the original principal of {$98000.00}. 

Our address is XXXX XXXX XXXX, XXXX, CT XXXX and our mortgage is in the name of XXXX & XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-14
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-09-11
Company: EQUIFAX, 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX collection agency reaged acct to XXXX/XXXX/XXXX & reinserted after it had been removed. I spoke with a woman attorney located in TX in XXXX that was handling the account for the original creditor. She advised the account had been resolved do to vehicle being resold and funds from bank accounts had been withheld. I never received anything in writing stating an amount owed or agreed upon. The account had been deleted by original creditor after vehicle was resold. XXXX collection agency has reinserted and reaged an account that was resolved with creditor. There was never any verification or validation in writing of alleged debt when requested XXXX/XXXX/XXXX via fax and XXXX/XXXX/XXXX via certified mail. The credit bureaus stated collection agency only verified name, ssn, dob and never provided written proof of debt with all documents. Per FCRA written proof and notification is required. Also a resolved account can not be reaged and reinserted to credit file.

Company response to consumer: Closed with explanation