BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-01
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind due to timing of the hurricane, as well as my spouse losing their job back in XXXX of 2017. We have been working extremely hard to work something out and sending the required documents requested week after week. It's to the point that we are still having problems with the company from losing Documents, one person stating that they have everything to not having the documents a few days later, submitting the same Documents over a month later to documents expiring because of this long process. We are trying to save our home, but Loan administration does not have their stuff together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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: Information belongs to someone else

Complaint:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This doesn't give me an option to select multiple issues with this company. For one thing, I do not know what this debt is and I've disputed it and asked them to not call me. I've also written a formal letter about the debt. I decided to answer a call last night from an unknown number that happened to be them calling again. Upon answering the phone, I had to say hello repeatedly because no one answered. Finally, when someone decided to answer they said, " Are you okay? " ... HM, that's strange, you called me ... decided not to say anything for a good 10 seconds and you're asking if I'm okay? After that little conversation the girl, who claimed to be XXXX, wouldn't stop arguing with me and raising her voice. I tried multiple times to get the company name, where they are based out of, a different phone number, her full name, why they won't stop calling, among other questions during this conversation. XXXX, only wanted to tell me her first name and the company name, ERC. She provided no other information and tried to dispute the FACT that they won't stop calling me. This is unbelievable and these people NEED to stop calling me before I get a lawyer involved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: ONLINE Information Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of debt and company responded on XX/XX/2017 confirming that the debt could not be validated and would be deleted from my credit reports. Instead the company sold the debt and it now appears on my credit reports from a different collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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:
I filed identity theft claim reference number ( XXXX ) remove this negative item off my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$0.00}, {$0.00}, {$0.00}, {$4000.00}, {$29000.00}, {$4000.00}, {$13000.00}, {$40000.00}, {$30000.00}, {$54000.00}, {$160.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 4. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

10. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11.XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my 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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items ASAP. Thank you. 
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 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 2020-10-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have disputed several times to show that I paid off XXXX account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.

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 2020-10-22
Company: The Best Service Co.,Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent 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 2020-05-26
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained an auto loan through Ally Financial in XXXX of 2017. My payments have been automatically applied every month ( XXXX ) from the same checking account. In XXXX, they announced a 2 month payment deferment due to COVID-19. Since I am unemployed due to the pandemic, I applied and was approved for the payment deferment. Since then, my automatic XXXX payment has been at " pending '' status. I have attempted to make a payment, since I was able to, several times. My checking account I have used for every payment has been " unavailable '' to make payments. I have attempted several times to reach Ally by phone, and get disconnected every time. They have now begun harassing collection calls to both me and my husband for payments that were supposed to be deferred ( 3+ per day ). My account online does not reflect that I have deferred payments, and states that my account is " past due '' at XXXX ( 2 months regular payments ).

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 2018-07-16
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received an Action to Foreclose a Mortgage on XX/XX/XXXX. Included in that document was an acceleration of the debt. ( Please see attached pages Items 6, 7, 8, 9 ). 

The Acceleration date determined was XX/XX/XXXX. 

The 6 year Statute of Limitations expired on XX/XX/XXXX yet the Plaintiff, through a debt collection agency named XXXX XXXX XXXX, headquartered in XXXX, NY, has ignored the law and continues to attempt to foreclose on my property. 

XXXX filed a subsequent foreclosure Action for the same Plaintiff on the same matter, on XX/XX/XXXX, which is almost two months past the 6 year Statute, which they had to know or did know. This is a willful, knowledgeable, non compliant action on the part of the Plaintiff, XXXX XXXX XXXX XXXX XXXX, Ocwen and XXXX. 

Ocwen 's latest attempt to collect on this debt was a demand for payment dated XX/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 2019-07-26
Company: Experian Information Solutions 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:
Please reverse the late payments reported on the following accounts : XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2020-05-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to XXXX, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on XXXX and XXXX to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.

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 2019-03-03
Company: Credit Protection Association, L.P.
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:
This happened back on XX/XX/XXXX when the fraudulent account was apparently opened. And, apparently there was a disconnect of the XXXX XXXX on XX/XX/XXXX ( according to XXXX ) for non-payment. I just found out about this XX/XX/XXXX when my XXXX Credit Report ( FICO ) went from XXXX   's to XXXX! XXXX has turned this over to a collection company ( Credit Protection Association, LP, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. My reference number with them is:XXXX. What makes this disconcerting is XXXX  ( XXXX XXXX ) acknowledges this is probably a 'fraud issue ' since I've never lived in XXXX , FL and my birthdate is XX/XX/XXXX, not XX/XX/XXXX that was used to open the account with XXXX . XXXX XXXX 's email address is : XXXX and phone number is : XXXX. It's as if, " Well, somebody has to pay, so go after this guy. '' And, how can XXXX drop my FICO score so drastically? I have never ever had this happen before! My contact at XXXX is XXXX, in the Fraud Department @ XXXX and my Report # is 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 2020-05-26
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: Account status incorrect

Complaint:
XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to USA, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on Equifax and XXXX to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Account status incorrect

Complaint:
XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to USA, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on XXXX and Transunion to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.

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 2017-09-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Starting XX/XX/XXXX from approximately XXXX to XXXX and again on XX/XX/XXXX from XXXX XXXX to XXXX I have been trying to reach Equifax via phone, email and on line to freeze my credit information stored by this company and to receive a credit report. I have been unable to get through. Either I get repeated error messages on line as well as no answer through their on-line chat service. By phone, I have experienced repeated busy signals, repeated automated answering loops, disconnections or messages that Equifax is unable to process my request. Via email I received a case number from the company and another email with two phones numbers. One to their security freeze department that is repeatedly busy and another listed as their personal information solutions department saying they are available between XXXX-XXXX est but when I called the automated message asked that I call during business hours. I placed the call at XXXX XXXX ( est ) on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: FC HoldCo LLC
State: IL
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 called the company on XX/XX/2020, advising I did not give authorization for my credit to run for any car purchases.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX & XXXX : # XXXX, XXXX XXXX : # XXXX, : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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