BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
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: Problem with personal statement of dispute

Complaint:
This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX county court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 4 ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX 
8 ) XXXX XXXX XXXX XXXX, XXXX. 
9 ) XXXX XXXX Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak. 

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to. 

I plan to sue this Company for damages to my credit, punitive damages and fraud.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: VA
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  has sent me multiple notifications that I have been denied an XXXX XXXX XXXX card. I have never applied for such a card, and have no intentions of doing so. I've previously contacted XXXX directly to let them know that an application for this exact card was fraudulent, and they issued information to Equifax to correct my credit report, but it has happened again. They should have taken steps by this time to prevent the error from being repeated, but yet again I have to resolve the issue rather than them preventing fraudulent credit applications in my name which seem to only ever occur for this particular card with this particular company. I'm sick of this XXXX. 

XXXX reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
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:
XXXX has a collection on all 3 accounts of XXXX dollars but I dont know where that came from. Im a current XXXX wireless company right now. So I dont see how Im a current customer but have a collection with the company. Please remove from a credit reports or get them to show verifiable information and how they 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 2023-07-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( XXXX. XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) Has violated my rights ( Noted ) all of the above Accounts have been negatively closed. 
15 USC 1681 A. section 2 : states I have the right to privacy.

15 USC 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report in 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 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if The I can person knows, or has reasonable calls to believe that the information is in accurate.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 results

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 2018-10-02
Company: ALLY FINANCIAL INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I refinanced my used car the following month after purchasing it. I also cancelled an anti theft and GAP insurance prior to refinancing. I received a pay off amount from Ally Financial and paid it off with my new loan from XXXX XXXX XXXX specifically I worked with XXXX XXXX ( XXXX XXXX XXXX figured the daily interest, refinanced my 2013 XXXX and I waited on the title. Ally Financial sent my refund check for the Gap and Anti Theft back to XXXX XXXX saying it was a duplicate check and would not release my title. As I was paying XXXX XXXX XXXX on my car payment they were reporting me late to the credit companies when they were paid in full. It took Ally over a year to iron out their mistake but they have released my title now. I have proof from the current bank with my loan, all documentation of pay off from Ally, XXXX and XXXX XXXX and have been timely on every single payment with auto pay from my account. However, Ally Financial says they only report late payments and can not rescind those reports to the credit agencies.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-02-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received another letter from select portfolio servicing attorneys requesting the courts gir another sale date while Im still in active review of a modification. This should not be happening at the same time. A sale date that was scheduled for XX/XX/XXXX was cancelled but a new one has been requested on just two weeks while Im still in review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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 fraud alerts or security freezes

Complaint:
I have tried to temporarily unfreeze my frozen credit file at Experian online and on the phone. Their systems do not work. I tried multiple browsers and repeatedly tried their idiotic phone system. You can not get to speak to someone. It took me less than 2 minutes to unfreeze at XXXX  & XXXX  but the Experian systems are intentionally horribly unhelpful and unuseful. It's time this company gets some overdue attention from you. 

A recording saying you can unfreeze it by mail is completely unacceptable. This process is supposed to be user friendly so people can easily and timely manage their credit freeze. Experian is a horrible company.

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 2018-08-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have fallen behind on my mortgage payments. Recently, I submitted a loss mitigation application for assistance. When I called in today to follow-up on it, the representative at Carrington Mortgage told me that they didn't have time to process my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year, our then current mortgage provider ( XXXX  ), sold our mortgage to Flagstar Bank. We had a monthly payment of {$1500.00} which included escrow when we had XXXX. Right away, after it was sold, our mortgage payment increased to {$1700.00}. We called to inquire about it and were told they would be taking additional funds each month in order to have a buffer in escrow.

We have been paying about {$300.00} extra per month for 8 months now. This week we received a letter in the mail from our insurance company stating they were cancelling our policy due to non payment. So we went on Flagstars website to see transactions and not only are we still negative in the escrow account but they said they paid our previous insurance company a payment of {$1400.00}. Our former insurance company, not our current insurance provider mind you. Nearly 20 years of dealing with mortgage companies and Ive never
experienced such a thing. Were not satisfied with the selling of our mortgage to Flagstar, and even more unsatisfied with the service they provide.

It has been a struggle keeping current with finances due to the pandemic and being a small seasonal family business, its hurt us hard. The last thing we needed was our payments increasing each month. Im at a loss at this point. Our rates with the current homeowners insurance are less than they were with the previous
company, so I believe that leaves us paying unnecessary, additional funds to Flagstar as well. Im not comfortable having my money sitting in their account for this buffer either. Not sure where to turn, or who can actually help solve this problem, so reaching out to you for help.

Id be willing to provide any and all documentation as needed. I appreciate your assistance. Thanks in advance.

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 2019-08-15
Company: Servis One, Inc., Titusville, PA Branch
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Several years ago my mortgage was serviced by BSI - somehow they recorded the WRONG parcel number when paying the real estate taxes on the property for a number of years. Subsequently BSI transferred the servicing of the mortgage to XXXX XXXX and communicated the erroneous parcel number to XXXX in the transfer. XXXX continued to use the money in my escrow account to pay taxes BUT not on my property. Subsequently, I was notified that due to NONPAYMENT the District of Columbia had sold my home due to delinquent taxes! In a conference call between myself, XXXX and DC the shortage was identified and XXXX paid the outstanding balance owed. XXXX is now billing me for the amount of the shortage which BSI withheld in my escrow account and paid for some other parcel. This is exactly what BSI was charged with in the settlement negotiated and finalized in XX/XX/2019. How do I get my money back from the XXXX at BSI?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX   - XXXX - Dept of Education/XXXX  XXXX XXXX - XXXX   XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX   XXXX XXXX XXXX - XXXX  XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX  XXXX XXXX XXXX - XXXX - XXXX - Through The Country Do - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX - Credit Collection XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BJ 'S Capitalone credit card is holding and recording my payment until the past due date and charging me interest and penalties. I think this practice is illegal. 
I called them and they fixed it but tell me this is OK for them to do.I disagree.

I think you should look into this matter because others may not be as vigilant as I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-02-04
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-12-29
Company: Experian Information Solutions 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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