BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2022 I was provided with a letter stating my loans are paid in full. After months of monitoring my credit report, XXXX XXXX has continuously updated my account after every dispute as if it is in good standing when in all actuality it is paid in full. The current status is Open/Never late. Deferred, payments begin XX/XX/2022 but this is incorrect.

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 2016-10-25
Company: Ocwen Financial Corporation
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a mortgage loan over 10 years and they still have it active. the home was foreclosed on by the homeowners association which I no longer have the property but they still call to pursue payment. saying that i still have the property I spoke with someone there they told me show them documents that the homeowners accumulated the property and they should Release Me From This death and they not have done so I went back got all the documents and email them and they did n't live up to the word.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
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. 

Account name : XXXX Accountnumber:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: PR
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 have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  these Creditors have violated my rights. 15 U.S Code 1681 Section 602 A. States I have the right to privacy.15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Report Act, XXXX XXXX Account Number : XXXX ..., XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number XXXX ...., XXXX XXXX XXXX Account number XXXX .... XXXX XXXX XXXX XXXX Account number XXXX ... .has 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 602 A section 2 also states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2020-12-04
Company: EQUIFAX, 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:
I contacted XXXX  and Equifax recently regarding information reported on my credit file. I inquired about the individual/s that reported to their concerning regarding a bankruptcy in XXXX and XXXX. I was advised by the representatives/ and supervisor that the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  reported the information to XXXX  and Equifax . I asked that information be removed in accordance to Section 1681 ( 5 ) of FCRA ( Fair Credit Reporting Act ) I was told they would not be removing because the above entity reported this information. The above-mentioned credit agency was advised that the Bankruptcy Court did not report this information and I presented proof of this information to the credit reporting agency. I received and update to my credit report on XX/XX/XXXX stating they had completed my dispute. XXXX  and Equifax seem to not follow the law in reporting fairly and in accordance to the law. I have attached the letter of removal sent to Equifax and XXXX, the letter from the bankruptcy court, and their removal for non-compliance XXXX XX/XX/XXXX I received an email from XXXX  stating they removed one of the public records but the other one remains. Equifax reported the 2 public records will remain. I have sent the letter from the bankruptcy court and XXXX  XXXX which states neither party reported this information to Equifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Took my two grandsons to urgent care in SC. Was unaware NC Medicaid didn't work in SC. Talked to NC DSS, and was told they would take care of the Bill, and for me not to worry about it.

Everytime a bill came in, I took it to DSS. They never made any attempt to pay it. So it went on my Credit report as a derogatory item. When I noticed it on my credit report, I paid it off, but the Company never removed it from my credit report.

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed an fraudulent bankruptcy on my account 3 times in the past 90 days and the credit bureaus keep coming back as verified. I asked for proof of my Signature and the paperwork they have on the bankruptcy paperwork and for them to provide it and they have yet to send proof of this. This is not mine nor did I authorize anyone to file a bankruptcy on my behalf. Ive reached out the bankruptcy court on my credit report and they have stated they do not have a bankruptcy in my name nor do they provide info to any 3rd party concerning bankruptcy. I disputed this account through CFPB Over 30 days ago and they came back with I was a credit repair company working on it. I am an individual and this has been one of their stall tactics. Ive called twice to dispute and even sent out 2 letters. This is unacceptable.

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 2017-12-15
Company: Precise Financial Group, LLC
State: ND
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:
There is a bill from XXXX XXXXl being reported by PRECISE FINANCIAL GROUP XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX On my credit report. The opening date of this balance states XXXX of XXXX -- which is incorrect, since the loan was actually opened in XXXX. I then filed bankruptcy and it was included in the bankruptcy. I have spoken with Precise Financial Group regarding this and they tell me they do n't know what to tell me -- they offer no solutions to this problem. 

1 ) It seems that I have opened a new account in XXXX of XXXX which is inaccurate. I am trying to rebuild my credit and this is hurting it. 

2 ) I filed bankruptcy please report it as such. 

I want this removed from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: VA
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 submitted a letter to Equifax to update this suspicious account. I think you have not validated the corresponding account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against this mistake. This was already included in my prior COMPLAINT : and I'm including it again. 
Please fix this account for I believe it is reported erroneously : XXXX XXXX XXXXXXXX Balance Owed : {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Complete Credit Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in class action suit against XXXX, or XXXX XXXX, the loan was made illegally and was discharged, forgiven and should have been removed fromy credit file. A third party debt collector ( COMPLETE CREDIT SOLUTION ) continues to pursue this forgiven loan and refuses to remove from credit report. Lawsuit is Turner v. ZestFinance, Inc. 
Case No. 3:19-cv-293 Complete credit solutions ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, TX 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 2020-07-18
Company: CBC Companies, Inc.
State: FL
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:
Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Credit Plus Inc
State: FL
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:
Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Under FCRA SEC 605b u are required to remove and block information from credit report within 4 days failure to do so which u have I can file a lawsuit and Ive already supplied police report in previous disputes so Im now demanding that you remove XXXX  XXXX employees fraudulent credit card off my credit report or legal action will be taken I will reattach documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANS UNION, XXXX, AND XXXX  ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS; ALL 3 BUREAUS ARE IN VIOLATION OF:
1. 15 US Code 1681 b 2 - 
2. 15 US  Code 1681 c 2 -
3. 15 US Code 1681 e b -
4. 15 US Code 1681 a 2- 
5. 15 US Code 1692 C C
6. 15 US Code 1692 G
7. 15 US Code 1602 P
8.15 US Code 1601

ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE,ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied for and was approved for a credit card. While i was waiting tio recieve my card in the mail, fruadulent purchases were made. Disover refueses to honor my claim. Please see attached document for further explanation. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
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:
On the XXXX of XXXX, I received an " Potentially Negative - Major Derogatory '' alert via the XXXX XXXX. The " Potentially Negative - Major Derogatory '' was a bill for an ER  visit on XXXX XXXX   2019, that was approved and paid for by the Veterans Administration. I contact the Veterans Administration ( VA ) on the XXXX of XXXX, and they contacted ( along with me on the phone ) XXXX XXXX XXXX XXXX XXXX and told them that the account was paid in full. The VA  representative provided them with the details ( check number, date sent via EFT, and the amount ) of the payment however, XXXX XXXX XXXX XXXX XXXX in conjunction, with the phone call asked me to provide them with a letter as discussed in the phone call. I sent my statement with the summary of VA payment indicating with service was paid in full. On the XXXX of XXXX, I submitted a credit dispute via Experian ( Report Number XXXX ) Experian and was told on the XXXX of XXXX that results " remain '' - Negative. I provided Experian with " Summary of VA Payment '' with my dispute so I am surprised that they let this stand. 
Therefore, I am requesting assistance since I don't what else to do especially since the VA states that ; " The provider may not bill me or my health insurance carrier for any services that were authorize and paid by the VA. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TRANS UNION, XXXX, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

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 2022-02-02
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - Cardinal FinanciaXXXX ( mortgage company ) failed to pay agreed escrow wind insurance account. 
- Wind insurance was cancelled leaving a insurance cancellation record on my insurance history. 
* Cancellation caused my family to pay over XXXX to start a new policy. 

Insurance information was provided to Cardinal in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX- Cardinal financial placed my account in collections through their error resulting in further financial and personal damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: TN
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:
This account is outdated and appears on my credit report as paid with a XXXX   balance. I recently received paperwork that i owe a mysterious amount of XXXX. I have a court date of XX/XX/XXXX to appear in court. I dont owe this amount and my credit report reflects it. I have requested a validation letter from XXXX and they have failed to respond to me for the amount stated in the court letter. Please remove this account. It is problematic and it is reporting an amount that i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: WI
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 took out a personal loan through a company called XXXX  online and I made timely payments until I hit a rough patch due to covid hardship. The account was charged off back in 2021. I have managed to pay the account off in full but it still reporting derogatory and paid at the same time. I just want this account deleted off my consumer report. I am trying to buy a house soon and I am doing all I need to get my report healthy.

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