BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been patient. I am not seeing results or getting notifications on repairing my credit to 100 % accuracy. I have now waited over 60 days for investigation results, and nothing. Please remove all accounts listed here. 

1. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX Account Number : XXXX Please remove it from my credit report. 

6. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: DC
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 recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint number XXXX to remove and block these items.

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 2020-04-07
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: Information belongs to someone else

Complaint:
I am needing to move out my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Experian and XXXX XXXX XXXX are reporting a tax lien from the XXXX County Circuit Court for the State of Indiana. In attempting to dispute the liens against my business I have been unable to receive a copy of my business report to dispute the information unless I pay {$49.00} or more for a copy of my credit report.

I spoke to an XXXX   representative who initiated a case on my behalf  with XXXX  Business Credit and told me that I would receive a copy of my business credit report almost two months ago. To date, I have not received the report or any additional requests for information. The  XXXX  business grade of " F '' has caused my business undue hardship because of inaccurate reporting and prevented me from being able to obtain much needed business funding in the midst of COVID-19.

I have attached supporting documentation that shows I do not have any outstanding debt in the State of Indiana as I have never done business there.

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 2020-10-17
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, this complaint is regarding PHH Mortgage company.

PHH, for the past 6 months, has consistently misapplied my monthly payments and extra principal monies I have periodically also submitted. I believe their intent is to get more interest money as I attempt to pay down this loan. I am concerned that are also doing this to other clients, which is my reason for contacting you.

In attempting to correct these errors, I only receive inconsistent communication from PHH, despite my best efforts to work with them.

At this time - without notice - PHH has blocked on-line payments and an extra principal payment is unaccounted for ( withdrawn from my bank account but not credited or acknowledged on my account ).

Thank you for providing this consumer service. I can provide you with more details at any time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity was stolen and XXXX and XXXX refused to take off the accounts that are not mine. I send them proof and it is still on 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 non-monetary relief
Consumer complaint received 2018-08-25
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
Equifax will NOT send my current " Annual Credit Report '' in spite of my having sent to it, PROOF of my identity ( CA Driver License ) and Social Security number ( via a copy of my Social Security Card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i was told i i settled the debt that it would be removed from my credit report and the debt was paid and still havent been removed from report i have all recepits,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent Identity Theft Affidavits and Police reports on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: MO
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:
I was never late payment account was paid off and closed as reflected by XXXX. XXXX and Experian are not reporting accurate information such as payment status and date of last payment. XXXX failed to report my dispute in the comment section, not consistent with Experian reporting. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

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 2020-10-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX paid my last collection today that was a debt sold to XXXX XXXX XXXX. The debt I paid off on a negotiated settlement was originally owned by XXXX, XXXX, and the timeline for a legal collection purpose existed. However, upon a discussion with XXXX XXXX XXXX with my attorney on a conference call with me, it was determined that another collection that was originally owned by HSBC Bank Nevada, NA actually defaulted back in XX/XX/XXXX. So it was determined that XXXX XXXX XXXX acquired a debt that was not valid. Accordingly, this collection should have never been reported on any credit bureau. Therefore, I respectfully request through the Consumer Financial Protection Bureau that this item be removed from all credit bureaus immediately and permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 advised TransUnion on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. I have never paid the XXXX account late, I have never paid the XXXX account late, I have never paid the DEPTEDXXXX account late. The XXXX XXXX account does not belong to me, the XXXX XXXX  account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the US DEPT ED account does not belong to me, the XXXX XXXX   XXXX XXXX account does not belong to me, the XXXX  XXXX account does not belong to me. TransUnion has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX, TransUnion and XXXX are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my TransUnion and XXXX   credit reports when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. On XX/XX/2020 I sent the attached letter to XXXX XXXX XXXX at the address specified by a XXXX XXXX XXXX XXXX representative on XX/XX/2020 at XXXX XXXX to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called XXXX XXXX XXXX XXXX on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX   complaints for XXXX XXXX shows I am not the only person that has experienced extreme difficulties in XXXX XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus. XXXX XXXX XXXXXXXX

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: Advance America, Cash Advance Centers, Inc.
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX XXXX that a Collections account was reported on my credit file XX/XX/XXXX and looking up the info from XXXX XXXX was XXXX XXXX XXXX XXXX XXXX. I never received any notifications from any company or mailings of validation of debt to dispute. I have Informed Delivery from USPS that informs if mailings is being delivered and the XXXX XXXX XXXX XXXX violated the FDCPA ( 15 U.S. Code 1692k ). 

When a Debt Collector Can Report Information About a Debt to Credit Reporting Agencies Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency, the debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverable comes back. 

No attempts was made prior to reporting on the Credit file. XXXX XXXX XXXX XXXX XXXX said that I owe Advance America XX/XX/XXXX. I contacted Advance America no as I have not received such info from the Business. I have done Business with Advance America in the past and the disputed with Advance America and no Validation of Debt was sent to me. Although they mention I had loans after XX/XX/XXXX. As 1 loan can be taken out at a time after it is paid off with the Company. 

I disputed with the Credit Bureaus and the 3 major Companies, XXXX, XXXX, and XXXX refuse to delete as XXXX XXXX XXXX said the info was correct. 

I emailed XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX that I disputed the account. 
On XX/XX/XXXX a response was 2 forms that was sent and that the info can not be deleted from file. I informed that a data breach is in the system because this is not accurate. XXXX XXXX XXXX XXXX XXXX fails to comply with the rules of the FDCPA and Consumer Financial Protection Act. My info is used into the XXXX major credit bureaus and not handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Incorrect information being reported to tri-bureaus. Would like to freeze consumer reports.

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 2023-05-25
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: Account information incorrect

Complaint:
XXXX XXXX the building that I live in is managed by them since Covid they been Putin information on my credit report that shouldnt be on my credit report even a late shouldnt be on the credit report because it was dealt with with Covid. This is affecting my credit score and I cant move anywhere, theyre trying to do that so they can have the upper hand on me while we are going to court with the unlawful detainer. I asked several times for them to take it off Trans Union everywhere took it off except Trans Union.

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 2023-07-31
Company: General Motors Financial Company, Inc.
State: MI
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for purpose. 

Credit company Gm financial

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Experian Information Solutions 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:
On XX/XX/18, I reviewed my updates credit report and noticed that XXXX XXXX, XXXX, is reporting twice on my Experian Credit Repoert. Negative information is reflecting twice which is affecting my credit score. I'm the process of closing in my new home.

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 2018-10-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called XXXX XXXX XXXX, XXXX to figure out why they sent me a letter stating I owe XXXX $ from an apartment I moved out from. They stated to me it was for some move out charges. I was never notified of any charges after move out before this letter. I talked to a female I believe her name was XXXX. She was extremely rude, and tried to get me to pay today, however I declined and told her I need a breakdown of what these charges are, and she refused to do so. She then questioned me why I am calling her, and I advised her because this letter has your information on it. She began to get very loud, combative and rude with me, and at that point I felt threatened by her tone and felt as if she was trying to verbally harrass me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27
Company: PROVIDENT FUNDING ASSOCIATES
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We wrote and mailed our mortgage payment on XX/XX/XXXX. The company did not process the check until XX/XX/XXXX and charged us a late fee. I tried to get this reversed but they refused. I have been making various mortgage payments since XX/XX/XXXX with no late pays on my record. Now I have one and am being charged {$78.00} if late fees and I have a late on my record.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Made an investigation with all major credit reporting companies about a Debt Buyer Company : XXXX XXXX XXXX which has no license as a debt collector in the Commonwealth of Puerto Rico as per State Debt Collection Statutes and did not ERASE this debt collection information ; DECREE # 6451 LAW # 179 of XX/XX/XXXX and Law # 170 dated XX/XX/XXXX. 

Reporting companies are placing this information twice with the Original Creditor and also the non state compliance debt collector XXXX XXXX XXXX which has no license as a debt collector to the residents of the Commonwealth of Puerto Rico THEY DO NOT MEET THE REQUIREMENT OF THE FEDERAL REPORTING CREDIT ACT

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