BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$9900.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NJ
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 discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: MD
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:
three credit bureau reporting inaccurate information and violating my rights under United States Code 15 USC 1681 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent certified return receipt mail to this collection company " EOS CCA '' to validate this debt. they have not yet validated the debt in over 6 months a default letter was also sent to the company, and still no response. I have also sent a dispute letter to all credit bureaus regarding this matter. XXXX and XXXX   have removed this from my report. Although, XXXX has not removed it. They have stated that the account was verified. It seems to me this collection company has violated the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
These accounts/inquiries have not been authorized by me

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 2023-07-18
Company: EQUIFAX, 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed errors on my credit report with Trans Union, XXXX and XXXX  several times. Specifically the last time where it was verified with a return receipt they received my dispute on XXXX 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.

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 2018-08-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Complaint : Posted check to closed account # XXXX and does not return check ( 3 + month past due ) Using automatic bill pay I sent two checks on XX/XX/18 and XX/XX/18 to Chase Auto Finance in the amount of {$2600.00} each, this payment was sent by mistake and was not intended for Chase Auto Finance. 
Realizing my mistake I called Chase Auto finance on second week of XX/XX/XXXX and I was assured that checks will not be cashed and will be sent back within 10 business day since my auto loan ( loan # XXXX ) at Chase Auto Finance was closed several years back. While I was following up on weekly basis Chase deposits check on XX/XX/18 and XX/XX/18. So either the customer service representative was lying to me or the account department was lying to customer representative that they are reversing the posting and sending back the check. 
As of today XX/XX/2018 it's been more than 3 months, several follow up, fax message and faxing bank statement proof has not yielded any result. Every phone call they keep assuring that there is work order ( case # XXXX ( not sure if this is valid or a made up number by customer rep. ) ) and I will receive my check in 10 business day but Chase is not returning my check. How can chase post a check to closed account and hold it as their revenue isn't it against the accounting rule?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18
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: Personal information incorrect

Complaint:
XXXX XXXX. I tried to contact the Credit Bureau but they didnt fix it. My name, address are incorrect, its a violation of he FCRA. Its unsafe to have wrong information about me like this. 
The report has a lot of variations that doesnt exists. 

My name is XXXX XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Phone number XXXX. 

I am sending proofs. 

Its unsafe for me and its a violation.

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 2021-06-24
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received notice from my credit monitoring service that this company negatively impacted my credit with a debt Im not liable for from an institution I have not had a relationship with in over a decade. Im XXXX and receive SSD as my only source income. Nevertheless the debt is not mine and Im not liable for this fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I dont even no where to start. My mother in-law that my husband and i own our home with she is being manipulated by SELECT PORTFOLIO SERVICING INC. there is a foreclosure date set for XX/XX/XXXX 5 days from today. 3 of those are weekend or a holiday. She called on the XX/XX/XXXX. and was told the request went in to postpone while her complaint was being reviewed. she has been calling every day since that day and is told to call back. She received 2 letters stating that her review would not be completed before the sale date. one dated XX/XX/XXXX and the dated XX/XX/XXXX. i came home to her crying last night. we have know where to go .She is XXXX years old this stress is way to much We spoke SPS again at XXXX XXXX this morning we were told they same thing i was on the line with her. they said it was sent in for postpone but she really was lying to us. she said call back on Saturday Monday is a holiday. I took the day off work to try and help with all of this. 
XX/XX/XXXX we spoke to QUALITY LOAN CORPORATION the acting foreclosure company on our home she sated no postponement had been requested and the house set to be sold on the XX/XX/XXXX. We have a letter dated XX/XX/XXXX that states no foreclosure will be held during this time. The appeal has been sent SPS along with this complaint. to them .This has to stop date manipulation so nobody has time to do anything or no other options have been given. 
XX/XX/XXXX we were told that the preforeclosure check was approved when my mother in-law asked what that meant the lady got super upset. Which leads us to believe they have no intentions of stopping the sale. They are moving forward during our appeal time. so they can just sale they have not given us any non retention offers except to get out. We are appealing a denial we received for a loan modfication which states we did not complete the paper in a timely fashion. Which is false.Im asking for help we can not possibly move out and find a place this quickly. The date manipulation is crazy that is going on with this company. We called agin this morning and they are very stern and are saying that we need to call back again later today.We feel they are rushing to complete our complaint so they do not have to postphone the sale i even heard the department say we are going try and this done before the XX/XX/XXXX so they can go to sale but the letter say something different which iwill upload. My husban and i are on title to this property have always been since XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found a collection account on my credit report from Waypoint Resor e Group for a small debt that was originally from XXXX and paid previously. 

I did not receive written notice of the debt, no phone calls and was not aware of the debt until checking my cre cfc it report before applying for a Carl loan I contacted the company who claimed they have sent several letters and and called many times. There have been no letters, phone calls. Voice mails, nothing except a collection account on my credit report. 

I paid the minimal amount. XXXX and was told that they wouldnt remove it from credit report and could take weeks to even update. 

Upon doing a XXXX search for this company, there are many online reviews of Waypoint Resources not complying with fair debt collection practices. The most common is consumers finding out about the collection account by checking their credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
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:
XXXX Credit reporting and Transunion want give me information about a bankruptcy reporting on my credit I called the court and they said they are not showing any information, I talk to both repairing agency they said they are getting the report from a 3rd party but they are getting from the court house.

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 2020-12-14
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:
There are numerous accounts listed on my credit report that I have no knowledge of. This is a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Mr. Cooper, formally NationStar Mortgage Company. On XX/XX/XXXX, I inquired about removing PMI on my account. After terrible customer service on XX/XX/XXXX we were told that our PMI would be cancelled. We noticed that we were continued to be charged for PMI after the time of the letter and on our recent Escrow analysis PMI was factored back into the payment of future escrow balance. When I called the company on XX/XX/XXXX they stated that the cancellation letter was made in error and we are still paying PMI and that it can not be cancelled with out completing a costly appraisal in order to verify the value of the home. We purchased our home in XX/XX/XXXX and have paid well over $ XXXX off of the original loan. It seems unreasonable that a company would send a written confirmation of cancellation however not reach back out to us with a retraction letter. As of XX/XX/XXXX the letter was still available for download from our account information but no further communication of such error is to be found on the website or notated in a visible fashion on our account. This company has been awful and unreasonable to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
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 is missing that should be on the report

Complaint:
I had lost the tip of my XXXX and was out of work due to the incident I was not late on payments and I spoke with the manager of XXXX XXXX the next day it happened and told them what was going on they told me to submit proof that I was injured and lost a body part that they would pay the next 3 payments well they arrived 2 days later after documents sent and they said they would handle next 3 payments they than repoed the truck not being late and than charged me for the amount owed they reposed my truck to Florida when they told me everything would be handled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: NY
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 XX/XX/2021, XXXX, Experian has violated my consumer rights under FDCPA, FCRA XXXX A male representative by the name of XXXX cursed me out, harrassed me, and hung up on me after I invoked my rights under FDCPA 1692c ( c ) ( 2 ). Experian has fraudulently furnished my personal consumer information and reporting fraudulent credit cards on my account, without my consent. I called to them to remove a fraudulent information on my consumer report and I received abuse. This is identity theft. I never gave the credit agency Experian permission to use my information to furnish anything on my consumer report.

Violations 15 USC 1692k CIVIL LIABILITY 15 USC 1692d XXXX  15 USC 1692j FURNISHING DECEPTIVE FORMS 15 USC 1681a ( d ) 15 USC 1681a ( 2 ) 15 USC 1681a ( 2 ) ( b ) 15 USC 1692c ( c ) ( 2 ) 15 USC 6821 18 USC 3571 ( c ) 18 USC 1028 18USC 1028 ( a ) ( 7 ) Total Amount of Fines due : {$11000.00}

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 explanation
Consumer complaint received 2020-12-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Select portfolio servicing : XXXX XXXX XXXXforeclosed on a loan I paid off in 1998 after I sold the house for them. They did this by taking my down payment and paying off a 1998 loan recorded on my neighbors lot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: OR
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 am disturbed that you continue to report the dismissed bankruptcy as confirmed within my credi fiile. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for 10 years, the Fair Credit Reporting Act says nothing in srction 1681c relating to bankruptcy about dismissed or filings. The law clearly states from date of adjudication or date of order of relief. 

Any case civil or otherwise, which is dismissed no longer exists, in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681a5 of the FCRA you must delete this information from my credit report and send me a new copy right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
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: Public record information inaccurate

Complaint:
We opened this account in XXXX and paid on time each month until XXXX XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to XXXX until we dismissed the bankruptcy in XXXX or XXXX XXXX. XXXX is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.

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 2020-03-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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 information incorrect

Complaint:
I signed a loan modification contract with Rushmore Loan Management on XX/XX/XXXX after making regular trail payments since XX/XX/XXXX. 
All the trials payment were on time and still the organization marked me late since there was clause in the contract. 
However after signing the official contract that became effective immediately Rushmore Loan Management still marked me late for XXXX and XXXX even though payments were made on time. 
This illegal and overly punitive for no reasons.

Company response to consumer: Closed with explanation