BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: CA
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 requested to remove inaccurate information from my credit history many times. They always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received such description ever. 

DEFINITELY, THE DATE OF 1ST DELINQUENCY IS INCORRECT AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was prepared for a catch advance loan of up to {$750.00} up to XXXX and {$50.00} I have had 4 previous cat  advanced loans and via 's cat advanced loans in the past and I have met all requirements for the past and I have met all requirements for the prior approval I have they have never been late or defaulted and it took end as of now II am cold member which allows my remember which allows my apr to be lower Even though I prequalified it was pretty cool for up to {$750.00} I will up to {$750.00} I was denied alone because of my equipment own because of my XXXX  credit report being frozen report being frozen upon my request which I lifted for the application lifted for the application and was still never was still never received the money that I was approved for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sca Collections is reporting inaccurate information on my XXXX CREDIT REPORT {$110.00} open XX/XX/2016 Original creditor XXXX XXXX XXXX  I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS NEITHER THE CREDIT BUREAU ( XXXX  ) nor SCA COLLECTIONS HAS RESPONED WITH PROOF OF THIS INFORMATION This is a result of identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Ditech Financial LLC
State: CA
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: Didn't receive services that were advertised

Complaint:
I had a bankruptcy several years ago - only on credit cards. I reaffirmed my home mortgage, but Ditech has never reported to the credit agencies since then that I make my mortgage payments each month for years now - which would help improve my credit score. Please help me. I need to increase my credit score. Ditech has filed bankruptcy themselves and now my mortgage is going to XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX-XXXX, phone numbers - customer service XXXX and collections XXXX. Every time I had my bankruptcy attorney send a reaffirmation of my home mortgage - they would just say it wasnt the right paper. So now my bankruptcy attorney says he wont help anymore. Please help me - Im a single mom to a XXXX year old boy who is on the spectrum for XXXX, a XXXX XXXX, and I divorced my sons father ( my ex-husband ) because he was so abusive to myself and my son. I still cant seem to financially recover from that horrible time in my life even though I filed for divorce in XX/XX/2011.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: LoanCare, LLC
State: MI
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:
Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

Loancare.com. They recently bought my mortgage from XXXX XXXX added that I have no connection with is .... 
XXXX XXXX XXXX unit XXXX XXXX XXXX XXXX mi 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 2018-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My wife and I froze our credit in XX/XX/2006. We have been able to unfreeze it from time to time as needed. We recently unfroze it with Experian and now in order to freeze it again, they are demanding that we enroll in an expensive credit protection plan. We feel that this is a kind of extortion. We merely want our credit re-frozen the way it was before our last request to unfreeze it.

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 2018-10-16
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:
On XX/XX/18 I contacted Experian to temporarily lift the security freeze on my credit data. I had put a freeze on my data after the XXXX  data breach. After I answered all of Experians questions correctly, I then received an automated message that I would have to send a letter along with a ridiculous number of personal documents to lift the security freeze. Also, when the creditor did the check on me, Experian told them there was a freeze due to legislation. Experian does not have any customer service options of any kind other than a letter. How is this legal when they are making money off of safeguarding MY data? This is unacceptable. A 2-3 week ( per their recorded message ) turnaround is not reasonable for simple requests of this nature that are time sensitive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



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 non-monetary relief
Consumer complaint received 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX  THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The credit bureaus showing incorrect payment history i had made all payments on time but on the report it shows XX/XX/2019 late payment i need to correct this information since its effecting my life i am in process to buy a house this late payment is holding me back.

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 2023-07-11
Company: EQUIFAX, INC.
State: GA
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 listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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

15 U. S. C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U. S. C. 1681C. ( a ) ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) 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 2023-01-02
Company: MoneyLion Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MONEY LION has never proved this debt belongs to me legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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: Account information incorrect

Complaint:
The credit bureaus are illegally reporting inaccurate information on 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 explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX 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 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 2017-09-23
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After applying for and being pre-approved for a loan with HomeBridge, we requested a loan estimate and a rate lock. 

- When pressed for a XXXX, XXXX provided a misleading document and claimed it was a loan estimate. Quote : Here is the XXXX you requested. and naming the filename in question LE XXXX. After being we asked to confirm : XXXX XXXX Thank you for sending this. I 'm on my phone and ca n't review it, but wanted to confirm this is a loan estimate ..., XXXX replied with : The very inaccurate XXXX, yes. [ XXXX ] - XXXX refused to provide an official loan estimate unless we signed a purchase agreement for the home : Quote : This is all I can legally provide you without having a complete application ( meaning a purchase contract ). [ XXXX ] [ XXXX ] - XXXX refused to send an official loan estimate after taking a full application, pulling our credit, all our XXXX, bank statements etc and providing a pre-approval letter. [ XXXX ] Additional complaints - XXXX offered an extremely attractive interest rate, beating all our other offers by XXXX and offering a free XXXX rate lock. [ XXXX ] - In order to confirm XXXX claims, we contacted XXXX separately, provided the same information, and were quoted a rate that was XXXX higher, and a 45 day lock. 

- Immediately after we were pre-approved, XXXX requested we should not have our credit pulled by another lender, saying that would hurt our score. 


XXXX : - On XXXX XXXX XXXX - We made an offer to purchase XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | MLS # XXXX - On XXXX XXXX XXXX - The seller XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX demanded we pre-qualify XXXX XXXX. Quote : Purchase agreement shall be signed upon pre approval verification from XXXX XXXX of XXXX XXXX XXXX. 

- On XXXX XXXX XXXX we met XXXX and spend several hours with her providing all our financials to pre-qualify for a loan. [ XXXX ] - On XXXX XXXX XXXX we requested XXXX lock the promised interest rate and provide us a XXXX XXXX. At that point, she immediately informed us the interest rate had jumped by an XXXX - On XXXX XXXX and XXXX XXXX we kept requesting for an official loan estimate. XXXX provided XXXX separate XXXX separate documents which were not official loan estimates, but claimed XXXX of them were. Eventually XXXX said she could not provide an official loan estimate unless we sign the purchase contract with the house first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, XXXX I checked my credit report and saw that ProCollect , Inc was reporting a past due amount for an apartment complex. I called to speak with a representative regarding a resolution on the account and possible deletion from my credit due to I never received a notice regarding this balance. The representative was not willing to work with me regarding settling this debt but kept demanding I pay the balance in full and they would not remove from my credit. I requested to speak to a supervisor and she was very rude, unwilling to help, and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 

My name is : XXXX XXXX. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX. XXXX OH My current phone number is : ( XXXX ) XXXX All these number are not mind please remove from your database XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX RESIDED HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a account from XXXX XXXX # XXXX I do not recognize this account I do my business with XXXX this acount is a error please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dispute XXXX accounts on my XXXX credit report they have been closed, charged off, written off and it is still showing a balance state of Michigan reported an account that has no lender or bank lender attached to it. I disputed these things because they are supposed to be removed off of my credit report. Accounts are showing written off or charged off and they still showing a balance which is against the law. Fraud during lent with addresses that I have not resigned that also names on my credit report that are incorrect, and I would like them to be removed, as well as the addresses that I do not reside at. And all of these issues are from XXXX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX  does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to XXXX to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

XXXX  refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.

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