BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion, and XXXX  are reporting two collection accounts on my credit that should have been filed with my insurance if they belong to me. I have no knowledge of these accounts. Transunion is reporting 19 inquires on my credit that I did not authorize. Please remove all incorrect information.

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 2019-02-20
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me daily at all hours from different numbers after i told them not to contact me and that i will get to them when im financially able to and that i have verified the dept they are trying to collect is real i still get calls from them they have started calling every other day but still wont stop they are called ERC but they wont tell me what it stands for and when they call they just give me the name of the person i am talking to and demand to know if it is me i have told them i will block their numbers the lady just laughed and said good luck amd now they continue to call from different numbers XXXX at XXXX XX/XX/19, XXXX XX/XX/19, XXXX XX/XX/19 XXXX at XXXX XX/XX/19 and XXXX XX/XX/19 and they called me 15 times in XXXX and XX/XX/XXXX that i didnt record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX is reporting a wrong status on my credit report by saying that I'm 120-149 Days Late on a section of loans with them ( {$49000.00} ). This is false because on XX/XX/2019 I was granted forbearance by XXXX XXXX that covered the time period that they are saying I'm delinquent ( XX/XX/2019-XX/XX/2019 ). On two occasions, two customer service people that helped me with this  forbearance process told me that once it's approved, they will contact credit agencies to remove the delinquency reporting. Then after it was approved, customer service people are now telling me they will not remove it. So, on XX/XX/XXXX I filed a dispute with XXXX  and Equifax detailing this issue. Equifax completed their investigation and it seems that XXXX XXXX is still refusing to remove the false delinquency reporting from my credit, as it is still on my credit as of today. This is ruining my financial life, in that my credit dropped exponentially and will now not be able to get a loan for a car that I need to get to work and will cause me issues when trying to get approved for the next apartment I need to rent from. This makes no sense to me, as I even have a credit reference letter generated by XXXX XXXX that states I am 0   days delinquent on all loans with them. My account is current with a {$0.00} balance and I have no payment history with them because I've never had to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Radius Global Solutions LLC
State: NJ
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:
This letter serves as a dispute letter. However, I have sent Radius Global Solutions numerous dispute letters that their agency fails to respond back to or acknowledge. In addition, their agency received my most recent Certified dispute letter, USPS tracking # XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 at XXXX XXXX. Furthermore, I reached out to their agency back in XX/XX/2020 regarding them company illegally pulling my credit and creating numerous credit pull inquiries. Radius Global Solutions failed to respond back or remove the illegal, unauthorized inquiries that they negligently conducted back in XX/XX/2020 without ever notifying me. Instead, you ignored every single certified mail you signed and received. 

Their illegal, deceptive, and unethical business practices should not be tolerated. I have re-contacted the Federal Trade Commission and I have advised them to put a stop of Radius global Solutions bold ignorance and false credit reporting. I also am making the FTC aware that their company has also failed to respond to any of my disputes even after they were notified by me for illegally accessing my credit report ( s ) back in XX/XX/2020. 

They have no legal authority or right to access, continue to access, pull, continue to pull, or list your companys name and account number ( s ) on my consumer credit reports. Radius Global Solutions is such a liar in updating your account that you have failed to notify me of from the beginning. Instead, one of your illegal efforts conducted from you in XX/XX/2020, was to continue to illegally access and pull my credit. 

By law of the FTC and FDCPA, they exercised a consistent failure in responding back to all of my disputes regarding their illegal credit pulls in XX/XX/2020, along with their deliberate failure in responding to my recent dispute letter received on XX/XX/2020 within 5 days of receipt. This means that by law that Radius Global Solutions can no longer continue to add, or list their company name or account number on my consumer credit reports. I am done tolerating your unethical business practices.

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 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This complaint is in response to a phone call I had on XX/XX/2018 with a Transunion representative. I was told I do not have a right to request an itemization of the alleged debt or copy proof of an original consumer contract with my signature. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, Transunion has disingenuously marked my dispute status as open. The items I disputed are not being processed on your dispute website and your representative told me to investigate the matter myself. This is unacceptable I will seek damages in court of law should Transunion continue to take an adversarial approach to this matter.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) or a Itemization of the alleged debt you have on file. I am NOT asking for verification an old address which does not satisfy the method of verification as required under Section 611 ( a ) ( 7 ). 

It is at this time that I will point out that in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could not " parrot '' information from the creditors and collection agencies. 

It is your JOB to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the information XXXX   submitting to your company. Sending out a generic form through the XXXX   and telling the consumer go fetch a resolution from the original furnisher is unconscionable, and is not a reasonable investigation. 

Transunion 's failure to positively verify the account has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Specialized Loan Servicing is threatening foreclosure on my property and saying that I need to sell and pay them {$42000.00} in late fees. The original loan was discharged in bankruptcy over 10 years ago and was for {$37000.00}. They repurchased the debt and put a lien on the property for the second mortgage. Last year in 2018 when I called and asked them about the letters that they were sending they told me " You don't have to do anything, and that when I sell the property whether it be in 1 year or 10 years the debt of {$37000.00} would be paid off at closing ''. Now a year later, because there is equity in the property they are threatening foreclosure and saying that with penalties I owe them over {$95000.00}. I am trying to work with them and set up a payment plan for the original loan because I am wanting to stay in my primary residence. With the help of legal advice and HUD we are asking them to give an itemized detail of why the late charges are more than the original loan. Also, have a copy of the original HELOC contract and no reference of late fee charges are listed. Again, I am willing to set up a payment plan with them so I can keep my primary residence.

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 2021-02-02
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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

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 2022-08-06
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have an account that is showing up with the company from XXXX XXXX The account was opened in XXXX of XXXX it was charged off but still reporting on my credit For all three Beauras Then XXXX XXXX  the account was opened in XXXX of XXXX {$270.00} and it is still reporting. 

Thank you for your help in this matter. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Ocwen Financial Corporation
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying for nine months to drop the PMI that we have been paying, even going as far as ordering an appraisal. That appraisal came in at {$410000.00} and the loan amount is {$300000.00}. Ocwen would not drop PMI and insisted that we provide to them contractor reciepts for all work done, and if work was not done by a contractor it could not be considered for PMI cancellation, and PMI would not be because of the market value increase, only improvements to the home can count for PMI cancellation. 

I started this request on XX/XX/2018, by sending an email to Ocwen to cancel the PMI. I was denied, however, I had to place a phone call to inquire about my cancellation request, I was never formally contacted. After speaking with Ocwen I was told to include an appraisal in my formal request, so I ordered an appraisal and spent {$500.00} to do so, and included this in my request. I was again denied and told I was denied because I did not use a certified appraiser, to which I directed them to the last page that showed the appraiser was a Utah Certified appraiser, then I was told this won't work because Ocwen did not order it. I then asked for a refund, to which they offered.

Then I was told to mail in a check for {$110.00} to have my PMI cancellation considered, and told that I needed to provide contractor receipts because the only way my PMI would be canceled is from improvements that I added, not because of the market increase. I did most of the work myself and was told this would not count. So, I did not send in a check and have been exploring my options, and I am currently shopping around to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is the 3 time I have complained about inaccurate information on my credit file. I have several things on my credit file that need to be addressed ASAP!! I have a very common name and there has to be several XXXX XXXX in the Ohio area however my name is not XXXX XXXX! My name is XXXX XXXX MY DOB IS XXXX MY SS IS XXXX. I WOULD LIKE A FREEZE PLACED ON ALL MY INFORMATION AND A NEW REPORT SENT OUT ASAP. MY FILE IS BEING CONFUSED WITH SOMEONE ELSE THAT IS NOT ME! PLEASE DELETE THE FOLLOWING ADDRESSES XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. THEY ARE NOT ACCURATE. PLEASE REMOVE ANY VARIATIONS AND MISSPELLINGS OF MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
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 sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.

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 2018-09-19
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:
on XX/XX/17 I looked at my credit report online, with one of the free websites. I found another XXXX XXXX, who lives in XXXX, CA on two of the three reports. From the scores listed, my score is bringing hers down with Experian and XXXX. Of the three reporting agencies, only XXXX   did not have the XXXX XXXX in XXXX. Today, I tried to notify them online but could not contact them with out signing up for something. I tried calling but got a robot and could not get a person. Her score makes mine look really good, in the 700-800 range. With out XXXX XXXX, my score is XXXX, not too bad and much more realistic. I am concerned that my score could adversely affect XXXX XXXX XXXX financial possibilities. I just want to straighten things out and have accurate information for both of 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 2023-02-11
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: Investigation took more than 30 days

Complaint:
My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX  FTC and the Attorney General for Florida.

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 2017-09-20
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax Credit Report has two jobs on my report I did n't work at. My father work those jobs. I am too young to work them. There is a XXXX in my name and not in his. We are named the same beside that.The jobs are ... .XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been a Wells Fargo customer for 8 years. Back in 2017 I would be paying the minimum or more than minimum each month. I lost my job and then hired by XXXX. In XX/XX/2017 I failed to make a late payment due to personal financial hardship, due to having a XXXX. Then finally paid the amount on XX/XX/2017 ; a total of {$490.00}. This has been the only late payment on my history, ever, that decreased it to 97 % percent

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 2018-09-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband XXXX XXXX XXXX passed away on XX/XX/2016. We were separated at the time for XXXX years and he resided at XXXX XXXX XXXX, XXXX XXXX Maryland at the time of his death. I received his letter from the Collection Agency in  care of XXXX XXXX XXXX, The XXXX XXXX stating they wanted to make a settlement of his debt. Since we had been married for XXXX   years, separated for XXXX years, all of our debt had been in each of our own names, other than our home, which we did a deed in lieu of foreclosure. I did not know which debts my husband had, never signed my name on any of them, and have never been responsible for paying any of them. The same goes for me. I have my own debt, including my own XXXX XXXX card. Now, these people want me to pay for his debt. This is totally unfair on several accounts, I never signed my name on any of his bills, never used any of his credit, didn't know what credit he even had. My credit has always been important to me, and now while trying to keep my own credit cleaned, his bills are now coming in for me to pay, and are being placed on my credit report and they are using my address. I have sent letters to 3 of them, informed all of the banks, and now after 2 years, they are trying to collect from me. XXXX was the primary bread owner while we married, even then, we were responsible for our own debt. In addition, my deceased husband, never lived with me at my current address, nor I at his current address.

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 2018-09-19
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced a mortgage for a single family rental property. Soon after closing, that mortgage was sold to Amerihome Mortgage around XX/XX/2018. I made my first payment to Amerihome and then signed up for autopay on XX/XX/18 using my business checking account ( I have multiple rental properties with other servicers and have always used a business account without issue ). Amerihome cancelled my autopay because they require a special form if using a business account. So I filled out the form and mailed it in and resigned up for autopay online on XX/XX/18. This time I assumed it was effective and took it off my to do list. However, my XXXX payment did not process because they had rejected my autopay again. I didn't find out my payment didnt go through until early XXXX. When I did, I immediately paid the full balance and explained the situation over the phone. The rep understood the situation and waived the late fee and all was good. A month later I found out Amerihome had reported the late payment to the credit agencies. I again called and explained the situation and wrote a letter to their dispute department but Amerihome refuses to remove the late payment from my credit report. My credit score has gone from an XXXX to a XXXX. This is not a late payment situation, this is a logistical situation that I have made multiple good faith efforts to comply with their requirements. Please help me to get the late payment removed from my credit report. Thank you, XXXX

Company response to consumer: Closed with explanation