BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: MARINER FINANCE, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XXXX or XX/XX/XXXX, I submitted a complaint against the company for false representation of amount owed to the company. The company adjusted the balance in the letter to CFPB but failed to update my credit report for the payments made even though the company had reported inaccurate and false information about my account. They falsely reported the amount owed on the account and did not list the payments made on the account. 

Almost a year later after filing the first complaint against the company and almost a year after they promised to adjust the balance, they have not updated my credit report and have allowed the update from XXXX which did not correctly reflect my payment history or the amount owed on the account. Instead, they have neglected their responsibility to correct the false information on my account and have refused to remove it. 

This is now nine months of continuing to allow false information against me to be reported on my credit report. There is no excuse for harming my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NV
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/items are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have made many attempts to reach out to XXXX/Equifax/XXXX  Credit Bureaus but failed to give me any results or feedback about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank you. Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-10
Company: EQUIFAX, INC.
State: IN
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports.This creditor has reported a late payment XX/XX/2020 to my report. Which is incorrect and I am asking this to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES LLC was required to notify me no later than 30 days after furnishing the negativebinformation to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. PORTFOLIO RECOVERY ASSOCIATES LLC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES LLC is in compliance with OHIO LAW.  I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. PORTFOLIO RECOVERY ASSOCIATES LLC.  has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XXXX and every payment since, for almost 3 years, the bank takes almost 3 times as much interest as they say they will on the statement. Every statement has a section called " Explanation of total amount due, '' and in that section it says ~ {$100.00} will go to interest and ~ {$800.00} will go to principle. Then when the next statement comes, in the " Past payment breakdown '' section it says that ~ {$300.00} has been applied to interest and ~ {$600.00} has been applied to principle. I have attached copies of the statements from XXXX so far and can provide more if necessary. I have called the bank multiple times on this issue. They say they are sending it for research then send me form letters claiming they are charging me correctly but do not acknowledge their own statements. Every payment has been auto-withdrawn by them on the due date with no issues since I opened this loan nearly 3 years ago.

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 2020-12-02
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: Investigation took more than 30 days

Complaint:
As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX  XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.

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 2021-12-07
Company: EQUIFAX, 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:
These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX  XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2023 XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department 1 Mortgage Way XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have spoken in regard to irregularities in this process. I would like to share with you examples of our current experiences so that you can help me to understand why. 
Our home is currently on XXXX XXXX foreclosure list XX/XX/2023, we were told that during the modification process we would not face foreclosure. ( Third time ) We are currently 18 days from foreclosure, we have not officially been notified. 
We never received a copy of the response PHH submitted to CFPB XX/XX/2023 We have not been notified that our appeal was denied. 

In closing, please advise us how the process has changed from when we started the process. 
Genuinely, XXXX & XXXX XXXX XXXX. CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
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 fraud alerts or security freezes

Complaint:
I have called all 3 credit bureaus for them to remove the fraud alerts off of my credit reports. Please do so 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 2021-06-30
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Equifax multiple times informing you of this, and you too have failed to verify these inquiries Since neither Equifax or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : PLEASE SEE ATTACHED DOCUMENTS. ALL DISPUTED INQUIRES ARE CHECK MARKED IN RED FOR EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX  XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.

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 2022-07-13
Company: Certegy Holdings, LLC
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, check sent for XXXX and sent back from XXXX because Id so-called negative info from agency called Certegy. Every time try to call them always repeat my info wrong and impossible to reach. Have sent letter to Certegy because they can not get info correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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:
RENTDEBT AUTOMATED COLLE XXXX XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX < -- -- ALL accounts above NOT MINE ^^^ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL ADDRESSES DO NOT BELONG TO ME. Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. Have not given written communication or oral communication on when, how and why these accounts are reported negative on report. Remove all above FCRA violation, how is this verified?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-02-19
Company: Sequium Asset Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have on my credit report of {$800.00} owed on XX/XX/2021 through XXXX XXXX. 

Sequium Assest Solution has this in collection. When I attempted to call ( XXXX ) XXXX they stated they had my information for a service in Florida. 
I told them it was not me, I didn't have an account nor did I co-sign for anyone with for this. 
They were not co-operative. I have tried to resolve through XXXX and nothing.

Company response to consumer: Closed with explanation