BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
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:
THE ONLY ADDRESS THAT SHOULD BE ON MY CREDIT REPORT WITH EXPERIAN IS XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex I HAVE DISPUTED THE INCORRECT AND WRONG ADRESSSES ON FILE THEY STILL HAVE NOT REMOVED THEM, I HAVE NEVER LIVED OR ASSOCIATED WITH THOSE ADRESSSES XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex  XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex

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 2023-06-06
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter out on XX/XX/2022 to XXXX. Here is my tracking Number : XXXX. However, the credit bureaus said they completed an investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they speak with. 

How did they complete this investigation?

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was trying to buy a home to better me and my families lives and i realized there were some damages on my credit report. I have already been in breaches and I thought you all were going to protect my information. This is a defamation of character because it is affecting my livelihood. Now me and my family are being negatively impacted which is affecting my emotional and mental state. 

According to- 15 U.S.C & 1681 you guys have broken the law because these damages are definitely fraud and I am trying to move forward.

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 2023-06-06
Company: EQUIFAX, INC.
State: NC
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 reached out to the credit bearus on XX/XX/2023 with a letter that i reviewed my report and there was incorrect information and items on my report. I am trying to purchase a home and these items are causing me alot of stress because it is stopping my family from purchasing a new home. 
I started looking into the consumer laws and i found that there is alot of laws the credit bureaus are breaking but at this time the biggest one the consumer law that states the credit bureaus have 30 days to investigate and respond to me as we provide a updated credit report with the results. I have not heard anything back and this is very frustrating and concerning to me. I have attatched the first letter i sent out as well as the second letter i sent out with this concern with this matter. Please make sure this matter is resolved ASAP it has already been 49 days since my letter was sent out. I do not want to and by law do not have to wait any longer. .Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of my letter to respond to my request for re-verification of the erroneous items. I have not received a reply from you within these 30 days. Therefore, it must be that the information on my report was either inaccurate or could not be re-verified. In either case, according to the provisions of 15 USC section 1681i ( a ), the item ( s ) must be DELETED IMMEDIATELY attatched is also my proof of id and proof of address so you are aware and able to verify who i am. Please resolve this matter asap or i will be taking this matter further. Thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: KS
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company contacted me and I told them the debt wasn't mine that my mom used an account in my name and has since passed but I would be willing to pay the debt so it wouldn't end up on my credit report, that was maybe a month or so ago and they never contacted me back Around probably XX/XX/22 the collection ends up on my credit report so I had to dispute the matter with the credit bureaus On XX/XX/22 I received an email from them still trying to collect the debt and I emailed them and told them the original creditor has been paid and to remove the collection from my credit report The original creditor is XXXX XXXX XXXX XXXX  ), and the confirmation number for the payment is # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time

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 2018-02-07
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech began servicing my mortgage in XX/XX/XXXX. One of the first things they did was refund me nearly {$1000.00} from my escrow account. I assumed they knew what they were doing and cashed the check. In XX/XX/XXXX they did an escrow analysis and stated that I was short due to the refund that was a mistake on their part and my mortgage would go up {$100.00} for the next year to make up the shortage. That much I understood. However, in XX/XX/XXXX they did another escrow analysis and stated I was now {$2300.00} short. I was given the option to send in a lump sum of {$2300.00} or spread the payments out over the next 12 months increasing my mortgage from {$650.00} to {$840.00}. My payment in XX/XX/XXXX was {$570.00} and the property taxes have not changed since XX/XX/XXXX. Being that my taxes are $ XXXX/yr and home owner 's insurance is $ XXXX/yr I fail to see how my account could be In the neighborhood of {$3400.00} short in just a couple of years. My taxes have never been late or increased since they began servicing the loan. I am a real estate salesperson and appraiser so I have an intimate knowledge of property taxes and mortgages. For the life of me I can't get an answer or reason how my account could be this short. The mortgage all along has included an escrow payment of {$190.00} which is the exact amount to cover the taxes and insurance. 
I started in XX/XX/XXXX making calls trying to get an explanation of what was causing the shortage. Since then I've made at least 6-8 calls speaking to all different departments, if they didn't transfer me to no one, with not a single answer. They have promised on more than a few occasions to get back to me or have an expert look into it again with no results or phone calls. 
Please help me end this egregious over step of power.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts 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 2023-04-12
Company: EQUIFAX, INC.
State: MA
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 was trying to buy a home to better me and my families lives and i realized there were some damages on my credit report. I have already been in breaches and I thought you all were going to protect my information. This is a defamation of character because it is affecting my livelihood. Now me and my family are being negatively impacted which is affecting my emotional and mental state. 

According to- 15 U.S.C & 1681 you guys have broken the law because these damages are definitely fraud and I am trying to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX Noticed XXXX XXXX accounts appearing on my credit reports XXXX. XXXX XXXX XXXX XXXX {$4500.00} XXXX. XXXX  XXXX XXXX {$590.00}

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 2017-07-07
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a contract with XXXX XXXX XXXX in 2013 for myself and my daughter. My contract was up with XXXX XXXX XXXX and I told them to cancel this specific line. This was an extra phone line that I had for my daughter that she rarely used at the time. I finished out my contract and told them to cancel. They never cancelled. now this debt is with a debt collector. This debt is not mine, and should not be on my credit report. I gave them sufficient notice of cancellation, and followed the procedure they requested of me. this money is not owed, and should not be with a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: TX
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:
I have been unable to retrieve my credit score from this company for about a month and a half now. There has yet to be an update. It is showing it is unavailable upon signing in to the online account.

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 2021-11-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XX/XX/2021, I submitted a complete loan modification application with XXXX c/o PHH Mortgage Services ( Ocwen ) and XXXX confirmed receipt thereof ( see attachments ). On XX/XX/2021, on a telephone call with Mr. XXXX XXXX ( my assigned single point of contact ) was told by Mr. XXXX that my loan modification application had been approved and loan modification paperwork requiring my signature would be mailed out within the next several days. As of XX/XX/2021, I have NOT received said promised loan modification paperwork and my home is set for a foreclosure sale date of XX/XX/2021. I am a CA homeowner who along with my family been impacted by COVID and I have been trying struggling with XXXX to complete my promised loan modification and keep my home. If the XX/XX/2021 foreclosure sale happens, my family and myself will be homeless. XXXX acts above the laws ( California Homeowner Bill of Rights, and Federal laws and mandates ) that protect me as a homeowner. During this entire loan modification process, I have had an ACTIVE foreclosure sale date hanging over my head. Large amounts of people have been at my home due to the XXXX foreclosure sale endangering my self ( I have underlying medical issues ) and my family ( below the age of vaccination ) health and possible lives. Dual tracking is clearly what XXXX is doing and has not been held accountable for it/s unlawful actions. Single Point of Contact - Mr XXXX ; I cant get a hold of him unless I make a 2 week in advance appointment with him. Further, Mr. XXXX speaks with a heavy accent which makes it very hard to communicate with him. XXXX keeps adding unauthorized fees and has placed forced insurance on my home all the while increasing my balance. XXXX has not offered my any information concerning avoiding foreclosure. I have continued to call XXXX requesting them for my approved loan modification paperwork and I get no response. My house is set for a foreclosure date of XX/XX/2021, during XXXX season - what company does that? 
I want to keep my home, please send me my approved loan modification paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered a negative item on my credit karma from XXXX XXXX for a misunderstanding I thought was resolved They sent me to collections for and item that was never received for {$770.00} but I was given {$1000.00} credit They have on the XXXX  XXXX  my total credit was {$750.00} which is an error on their behalf They sold my false debt to Jefferson Capital An investigation was made and and in conclusion there was no judgement and it was charged off to XXXX but it is still on my credit report as a negative mark but this is all because of a mistake done by XXXX XXXX I would like this negative mark removed permanently from all my credit reports immediately please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I checked my credit report and to my surprise all three credit bureau ( XXXX, trans union, XXXX are reporting inaccurate information about a bankruptcy. Bankruptcy court stated they do not report to the credit bureau attached letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is reporting on my credit report that they own a debt from Synchrony Bank Lowes in the amount of {$2200.00} that they are collecting on, I do not owe them anything, the account in question was closed on XX/XX/XXXX. New Hampshire has a three-year limit on collections. They provided false information to the credit reporting agencies that this account was opened XX/XX/XXXX??? They are in violation of 15 U.S. Code 1692E False or misleading representations.

15 U.S. Code 1692 F Unfair Practices 15 U.S. Code 1692 G Validation of Debts 15 U.S. Code 1692J Furnishing certain deceptive Forms 15 U.S. Code 1692 K Civil Liability {$1000.00} per Violation This account is in dispute and a demand for payment is being made by me in the amount of {$4000.00} total for violation of my rights and ruining my credit on these fraudulent accusations and suppling the credit bureau 's with false, inaccurate information, Since this account is in dispute it needs to be removed from my credit report until resolved by law. I am only to be contacted through the mail, any other type of contact will place XXXX XXXX in further violations. I reserve all my rights.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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