BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-27
Company: U.S. BANCORP
State: LA
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:
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) US BANK and resolved by the grantor ( s ) US BANK.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( us bank ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX XXXX XXXX, XXXX, LA 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 2019-06-30
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: Information belongs to someone else

Complaint:
I contacted XXXX, Equifax, and XXXX on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on XXXX, 9 on Equifax and 8 on XXXX. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
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: Information belongs to someone else

Complaint:
I contacted XXXX, XXXX, and Transunion on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on XXXX, 9 on XXXX  and 8 on TransUnion. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.

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 2019-05-16
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have received a lawsuit and a threat to garnishee my wages. I have not heard of this company. I have had no idea who these guys are. None of my records from my credit report match the amount shown on the paperwork I have received. I attempted to contact the lawyer they took my case to and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As the result of a family emergency, I requested that  Fay Servicing  halt my ACH mortgage paymnent for  XXXX  on  XX/XX/XXXX . The payment was scheduled to come out my account, as usual, on  XX/XX/XXXX . I was told on  XX/XX/XXXX  that the ACH would be halted and would resume as normal in  XXXX . I told the account agent that I would make the payment prior to the end of  XXXX , that I had to move some money around and that I needed a couple of weeks to do that. On  XX/XX/XXXX , the payment was debited from my account. In reliance on  Fay 's a ssurance that the payment was paused, there was insufficient funds in my account to cover the mortgage and my other obligations. I ha ve called Fay every  day since the  XX/XX/XXXX , sometimes twice a day, in effort to get them to make this right. In addition, I have emailed someo ne at Fay every day for the last four days to explain this problem and have included pdf attachments showing the NSF fees for that d ay. In the meanwhile, my account has been charged at least {$260.00} in NSF fees so far. Everyone I speak to promises to call be back, but over the course of  four days, I received one call back, with no resolution and no one at Fay seems to be able to figure out how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: UT
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:
Experian allowed previously deleted accounts to be improperly re-inserted back on to my consumer report. 

On XX/XX/2019, I discovered XXXX XXXX Account Accounts both XXXX had been re-inserted into my credit file. You are required to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification. Please delete these items immediately.

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 2019-06-30
Company: EQUIFAX, INC.
State: NV
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 contacted XXXX  XXXX regarding a credit inquiry on my equifax credit report. XXXX XXXX could not find this inquiry in there files and stated for me to dispute with the credit bureau. I disputed with the credit bureau and it keeps coming back as verified. XXXX XXXX stated they do not have a credit inquiry in there file for XX/XX/2019 for me. I want the inquiry removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car had so many problem and they knew that most of my money want to the car by fixing it instead making my payment on time and miss days out of work ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Resurgent Capital Services L.P.
State: SC
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:
The week of XX/XX/XXXX I sent validation/ verification to XXXX  , XXXX , and XXXX because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX  so they were deleted from XXXX and XXXX. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX  couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: CITIBANK, N.A.
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:
Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. 

I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! 

After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! 

They are using my credit report to input information without authorization for defamation purposes. 

I have open accounts being reported and the same account is being reported as closed.

In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same 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 explanation
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a dispute letter to Experian listing all the personal information errors on my credit report that I would like them to delete. 

They did not investigate anything ... all they did was to send me a copy of an updated copy of my credit report " WITHOUT ANY OF THE DISPUTED INFORMATION DELETED ''. 
It's obvious that no one at Experian even looked at my letter ... I feel that this goes against the Fair Credit Reporting Act. 

There are several personal items on my credit report that are not mine ... such as variations to my real name ... several addresses that are not mine ... wrong employment information ... ... wrong telephone numbers ... THE WRONG NAME OF MY SPOUSE ( My wife 's name is XXXX, not XXXX ) ... and they even list my home address as some kind of engineering business

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 2020-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates did no provide me with a notice. By not providing a notice they did not allow me 30 days to verify the debt. The notice was not sent to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a general complain about the lack of security by Equifax in their latest massive data breach impacting almost half of Americans, for which I am a victim of. CFBP and Congress must step up and penalize Equifax for their gross incompetence and negligence for not providing adequate digital security for extremely sensitive databases leading to a lifetime of worry and concern to people who have no choice in being their " customers ''. While offering free, short-term monitoring of credit is a nice gesture, this is a serious problem impacting every consumer with a credit history and identity thiefs may take advantage years down the road as people begin to forget Equifax 's breach occurred. Equifax must be made an example of to send a message to all companies handling consumers ' sensitive data : lax security in the digital age will not be tolerated. Over one hundred million Americans have been impacted by Equifax 's decision to not take adequate security measures, and this can not happen again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize.

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 2021-11-11
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

The XXXX Credit Bureau is reporting inaccurate information on AARGON COLLECTION AGEN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
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:
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of 2017 all payment went through XXXX XXXX  as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
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: Investigation took more than 30 days

Complaint:
cra violation more than 30days must remove inaccurate stuff that are not mine sent them every thing they need

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 2019-06-30
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  Mattress from Sears on XX/XX/XXXX. The mattresses scheduled delivery was rescheduled several times by Sears. As I can not pay for an item I did not receive I called Sears Mastercard to inform them I had not received the mattress. They agreed I could pay for the mattress when I got the mattress. I finally received a damaged mattress on XX/XX/XXXX at XXXX XXXX. Since the mattress was damaged, I called within an hour to return the mattress. They convinced me to wait for a replacement mattress. Following several delays by Sears once again, the damaged mattress was picked up on XX/XX/XXXX at XXXX XXXX. Even after I returned the mattress I received several more harassing phone calls demanding payment. I finally received a letter from Sears Mastercard dated XX/XX/XXXX that I did not owe them anything. When I checked my credit report in XX/XX/XXXX I learned that for the month of XX/XX/XXXX and XX/XX/XXXX they had reported me as missing payments. This is incorrect as I never missed any payment.

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 2019-06-30
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 be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   XXXX ACT # XXXX XXXX XXXX XXXX ACCT # XXXX I demand the following accounts be verified or removed immediately.

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 2022-10-04
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation