BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: NY
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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Colony Brands, Inc.
State: DE
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:
XXXX XXXX said I had made purchases. Was not my address not my email or phone number. To get it removed the said if I paid it they would remove derogatory remarks from my report. I filed disputes with all credit reporting agencies. They said its accurate. I called XXXX XXXX again. I said you said if o paid this you would remove from my credit report as a paid after charge off. They said no you shouldnt have paid it but since you did we are leaving it as it is

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CITIBANK, N.A.
State: CA
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:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CITIBANK on XX/XX/2017 which l have no idea about it at all.

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 2021-06-02
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: Information belongs to someone else

Complaint:
TransUnion is reporting 5 late payment in the Account Summary for XXXX and they are no late payments showing in my credit report. I have requested this correction a number of times and TransUnion refuse to correct the issue. The next step will be a law suit for the sure and I will reach out the Attorney General as well. I have attached supporting picture and you see that Trans Union is the only one reporting this information and effecting my credit score.

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 2021-06-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This greatly affects me with my credit dealings because this makes it harder and time-consuming to transact, It goes without saying that I want this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: FIRST HOME MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received my Annual Escrow Account Disclosure Statement, which adjusted my mortgage payment effective XX/XX/XXXX. The statement included activity from XX/XX/XXXX through XX/XX/XXXX in order to project the balance at the end of period. The statement included an actual tax payment of {$2900.00} in XX/XX/XXXX, as well as two " projected '' tax payments of {$1500.00} each in XXXX of XXXX. The " projected '' payments are for the same actual payment that was made. As a result, this statement shows my escrow account as underfunded by {$3300.00}. Due to this mistake, my mortgage payment was increased by {$240.00} starting XX/XX/XXXX. 

I contacted First Home Mortgage on XX/XX/XXXX about this error and was told that it would be reviewed and I would be contacted. On XX/XX/XXXX, I contacted them again and was told that the matter had not been looked at. After pressing the agent I was connected with a Supervisor named XXXX who stated that she would look into in and either herself or her manager ( XXXX ) would contact me. As of XX/XX/XXXX, no one has contacted me and I have not received the correct amount for my mortgage payment this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Equifax, and XXXX  over 60 days ago and I still haven't received any response from any of them. I feel like I am being taken advantage of and ignored on my disputes. I'm heavily stressed and I hope the CFPB can help me resolve this issue AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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/2018, contacted creditor to provide documentation that is in accordance to federal FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently was transferred from XXXX XXXX to Rushmore loan management. I have been trying to complete a loan mod with XXXX  for several months without success. They continue to ask for additional documents that were not required during the loan review process. It isn't until I call in that I find out that additional documents are needed to " complete my file ''. My escrow payment increased in 8 months after my loan was originated due to an increase in escrow was not accounted for at origination. I have worked to lower my escrow by decreasing my insurance payment and filing homestead. I asked XXXX XXXX to run another analysis but was advised that I needed to complete the loan mod process as my payment has increase again. I called Rushmore today to find out that my loan was not even coded that I am in the Loan Mod process nor do they have any documents received from XXXX. I was advised that I can resend the package sent to XXXX XXXX or fill out a new package. I also attempted to make a payment and Rushmore refused to accept a payment. Advising that I would need to bring the loan current or they would not take payment. I am trying my very best to make payment and try to get my loan mod and they will not accept payment. Rushmore does not seem to be interested in helping the customer but wants to take homes. I asked the associate if this was an investor guideline. He stated no that it was Rushmore and that I need to complete the Loan Mod process. How about if I do not quality, then Rushmore will have placed me further in default because they just do not want to take a payment? This is ridiculous and needs to be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They did not send me any initial communication alerting me of this debt. Please be advised, I dispute the validity of the alleged debt in its entirety. 
Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. They are illegally attempting to collect an alleged debt and money that I do not owe. 
As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. 
Promptly request deletion of any prior credit reporting to credit reporting 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 2021-07-15
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They did not send me any initial communication alerting me of this debt. Please be advised, I dispute the validity of the alleged debt in its entirety. 
Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged account, ( 3 ) copy of a signed contractor signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. They are illegally attempting to collect an alleged debt and money that I do not owe. 
As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. 
Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Elite Debt Brokers
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2020 They call my desk phone at work, my cell phone and then they called my HR manager at work acting as if they are acting on behalf of XXXX county courts representing themselves as a proceedings office reading off allegations using threat tactics if i dont satifsy the account. Leading my employer to believe that i would be served with arrest papers at work.Never once did they state their name and that it was an attempt to collect a debt. I had to find out through the original debtor who they sold the debt to in order to obtain the name of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
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:
On XX/XX/2018 i submitted a dispute to Transunion for XXXX XXXX XXXX  in which i have no idea where this account originated from. I also mailed XXXX  XXXX on XX/XX/2018 to validate this said account. I never received any response from either and followed up on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have yet to received any correspondence in regards to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: United Revenue Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, UNITED REVENUE CORP. added a derogatory mark on my credit report per XXXX, upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mine. According to the FCRA, UNITED REVENUE CORP. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...  DATES ARE XX/XX/20 XX/XX/20 XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My wife and I were discharged from our chapter XXXX bankruptcy which included a reaffirmation agreement for our home mortgage in XXXX of XXXX. We noticed that in XXXX of XXXX, our mortgage company XXXX XXXX stopped reporting our payments to all 3 credit bureaus so we questioned our Bankruptcy Lawyer. They told us that yes, our bankruptcy was XXXX in XX/XX/XXXX but our Trustee was still dispersing our tax money to creditors at that time so our file was still open but he had just finished so it was closing and XXXX XXXX would need to begin reporting and backdate. Well by XX/XX/XXXX, XXXX XXXX still wasnt reporting and I had already filed disputes with the credit bureaus about it on XX/XX/XXXX given case number XXXX with Transunion and XXXX with XXXX ( XX/XX/XXXX. ) On XX/XX/XXXX, they came back saying it was accurate information being supplied by XXXX XXXX ( XXXX XXXX was reporting that my account was reporting our account as closed and discharged in chapter XXXX. ) I disputed a second time and attached a copy of our reaffirmation agreement explaining that it was NOT included in the bankruptcy and that it needed to be updated as open and current. Transunion promptly deleted the entire account from my credit report. XXXX eventually updated the status to reflect our account as open and current, but doesn't show any payments made in XXXX. I emailed XXXX XXXX on XX/XX/XXXX with a copy of our reaffirmation agreement demanding they update our credit reports to reflect open and current as it has almost been a year and they are in violation of the Fair Credit Reporting Act. On XX/XX/XXXX, I spoke to XXXX from XXXX XXXX who assured me it would be fixed within a week and to call back on that following Friday. She marked our file Urgent. I called back a week later and spoke to XXXX, who told me marking it urgent meant nothing and that they would get to it when they get to it. Everytime I call them or email them, they extend the waiting period an extra 30 days. I called Transunion and questioned them deleting XXXX XXXX from my credit report instead of fixing it. They said that's their policy and they won't fix it until XXXX XXXX tells them to. XXXX XXXX keeps giving me the run around. I have a reaffirmation agreement that should have allowed it to remain on my credit report with payments being updated!

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 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address indicates on my background report is incorrect on date XX/XX/2017 in XXXX county which I never live there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Apelles, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ) and my privacy has been breached. I do not validate the alleged debt from APELLES. APELLES has violated my federally protected consumer rights by stating, I the consumer owe any debt as pursuant to 15 usc 1692b ( 2 ). APELLES has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). APELLES conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. APELLES has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). APELLES has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified APELLES in writing that I refuse to pay the alleged debt and wish APELLES to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with Exhibits and a invoice. Since APELLES has failed to comply with provisions of 15 usc 1692 APELLES is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Experian Information Solutions Inc.
State: NE
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:
Dating from over 5 years back I have been continually providing and disputing the same issue with not only XXXX but with XXXX   as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because XXXX  and XXXX both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough

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