BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/XXXX I sent a certified letter to TranUnion disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 ) provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

On XX/XX/XXXX I reviewed my TransUnion credit report and the Bankruptcy Remains.

On XX/XX/XXXX I received a letter from U.S. Bankruptcy Court, Eastern District of Wisconsin stating that the court does not report any information to any credit agency.

On XX/XX/XXXX I sent a certified letter to TransUnion again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report.

TransUnion received my letter on XX/XX/XXXX On XX/XX/XXXX I again reviewed my credit report verifying that XXXX has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.

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 2020-12-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my 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 2020-10-15
Company: LEXISNEXIS
State: AR
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: Public record information inaccurate

Complaint:
I am insured on a vehicle with my son through XXXX XXXX. The Auto policy just renewed, but a Driving history was obtained via LexisNexis Risk Solutions. Upon reviewing the driving history, I am concerned about Not at Fault accident ( XX/XX/XXXX ) and a Comp Coverage Claim < XXXX ( XX/XX/XXXX ) that pulled up on me. 

This was a claim that I was forced to file with my primary auto insurance ( not with XXXX  ) by my health insurance. I endured shoulder damage when I pulled up into a friend 's truck that was parked in a public location on XX/XX/XXXX. Since an auto was involved, was told it had to be primary and my health insurance secondary. 

The above incident was the only claim I made in XXXX and it was on Comprehensive. Did replace a windshield in Spring XXXX. 

I do not feel that the above incident should affect my driving history report in a negative manner, esp when claim was NOT made on said policy or with said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, I refinanced my property with XXXX XXXX XXXX , XXXX. I have had my property since XXXX when I originally purchased it. After my refi was approved and closed, XXXX XXXX XXXX transferred the servicing of the loan to Caliber Home Loans. Towards end of XXXX, caliber home loans did an escrow analysis which resulted to them increasing my monthly mortgage payments from {$1400.00} to {$1500.00}. I have always made my payments without being late or missing any payments. However, with the interest rates going down, I opted to do a streamline refi with XXXX XXXX. I submitted my application and all the required documents and was approved. When XXXX XXXX  requested the payoff statements from Caliber, they ( Caliber ) contacted me and advised me that if I stayed and refinanced with them, they would give me better terms than what was offered by XXXX XXXX. They also told me that the process would be as painless as I would not have to do an appraisal or income verification ( which to me was not a concern ). I went ahead and entertained their idea and applied for a conventional loan for a term of 25 years and locked the rates at 3.15 %. On XX/XX/XXXX, I got a text from Caliber saying that my loan had been conditionally approved and they provided a name and number of the person I should contact should I have any questions. After waiting several days without hearing from them, I contacted the phone number which had been provided and I did not get an answer. I emailed the representative who had working with me through the entire process and he did not respond to my email even after sending several emails. I eventually called an 800 number and was able to speak to a loan officer who after talking to several people internally, was able to direct me to the processor who was working on my loan. After some time, the processor called me and requested multiple documents from me ( although I had originally been told they were not required ). I promptly sent all requested documents within the same day but did not get any acknowledgment from the processor or the underwriter. After 6 days, I sent an email asking if they had everything that was needed from me to which he responded saying that he needed more information and would be sending me an email by the next day. After waiting for a further 4 days without response, I sent another email asking what else was needed and he never responded to me. After waiting with no communication coming my way, I opted to send another email on XX/XX/XXXX highlighting all my concerns and copied the general CFPB email ( XXXX ) and after sending that, I got a response from Caliber saying that they will send me a link to sign the disclosure and answer a couple questions which I did immediately. Since then, I have not received any further communication and I am at a loss of what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CO
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:
Equifax gave me incorrect info when checking to see if I was impacted by their 2017 security breach. First I 'm told I 've been impacted, then I 'm told I have n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received on XX/XX/XXXX a call from XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX at XXXX stating this message was strickly just for me. ( no name given ) There was a complaint filed with 3 allegations and I was urged to call back at XXXX. If I did not I would have an arrest warrant and have the police take strong legal actions. I did not return the call. 
On XX/XX/XXXX received an email from XXXX XXXXXXXX stating this was a final notice I had to send payment in 24 hours or a case would be downloaded against my name & social on XX/XX/XXXX. Legal charges are under section 9 and chapter 19. ( of what?? not stated ) Once the case was downloaded I would receive a court summons on my doorstep. ( has not happened as of today ). Stated : i might be immediately sacked by my employer ( self employed ) as they will be notified. My credit ruined. Wages garnished.. Bank accounts/Credit cards frozen. 
The IRS put a hold on my tax return. ( Someone has used my ss # for XXXX tax filing & I mailed ID theft with XXXX tax return : 180days from XX/XX/XXXX to get answers ) They wanting to know my clear intentions to above mentioned loan account ( no info ) I could contact them at XXXX.replied have wrong person do not contact me. Today I received email from XXXX XXXX attorney XXXX XXXX XXXX XXXX tx billing dept Case # & amount stating I had 4 serious allegations against me at the United Legal Investigation Bureau ( who?? ) Their policy is accts over 180 days to try take care of this bill, giving payment options send payment to XXXX XXXX XXXX or contact at XXXX. My name not used just " you ''. sent back reply : Need to see loan papers/.signature ( dont e-sign ) I did not have payday loan. I only get loans from where I bank. That I would be filing complaint. As attorney would know I would need to be notified before this and have not but a phone call & 1st email. No attempt to provide proof they had the correct person who took a payday loan. Never received any late notices from Ace Cash 6 months ago or longer. 
I HAVE NOT TAKEN A PAYDAY LOAN!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone used my identity to gain an apartment in my name in a state i do not live in the other credit bureaus have been very helpful in helping me with the matter but Equifax has caused me more headaches and pain they removed the fraudulent account and placed it back on my credit. If this issue is not resolved i will file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Shellpoint Partners, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My spouse and I called Shellpoint Mortgage approximately XX/XX/XXXX as we behind 2 months on our mortgage due to me recently being diagnosed with XXXX XXXX. We advised Shellpoint that this was a temporary setback and asked if they have any assistance programs. We were recommended to apply for a modification by the loss mitigation department. We were told a packet of paperwork would be sent out, and we were assigned a point of contact being XXXX XXXX XXXX Ext. XXXX. 

In the meantime, we did receive the modification paperwork that was time-stamped as being mailed to us on XX/XX/XXXX. However, we also received 4 letters demanding the past due payment amount of {$2900.00}, dated as being mailed XX/XX/XXXX, and an additional 4 certified Notice Of Default And Intent To Accelerate letters dated XX/XX/XXXX. 

To date we have reached out to our point of contact XXXX XXXX, and have yet to hear anything in return. Our modification packet was filled out and mailed to Shellpoint Mortgage on XX/XX/XXXX, and we followed up with a phone call advising so. 

Our fear is that we have had almost zero contact with Shellpoint Mortgage since our mortgage was transferred to them from Bank XXXX XXXX in XXXX, until now. And now, only since we contacted them asking for assistance, have we suddenly received letters of default and intent to accelerate letters. It seems like Shellpoint Mortgage is attempting to duel track by offering to assist us in applying for a modification while at the same time, proceeding to move forward in the foreclosure process by sending past due letters and intend to accelerate letters. Since mailing our modification packet and required paperwork back to Shellpoint Mortgage, nobody has yet contacted us.

As a side note, some of this struggle began when our mortgage was transferred to Shellpoint Mortgage last year. We were pomised a welcome packet including where and how to make payments. However, it took an excessive amount of time to receive any information from Shellpoint Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going through my credit report and came across a collection from Portfolio Recovery Associates, LLC. I have never done business with them in the past, however they are attempting to recover a {$440.00} debt from me, that I have no knowledge of. I have sent them Debt validation letters. However there response is an itemized bill in my name, that I have no knowledge of originally creating. According to UCC - Article 3 - 3-501 ( b ) 2 ( 1 ) I am entitled to demand presentation of the negotiable instrument, which is my ORIGINAL WET INK SIGNATURE PROMISSORY NOTE. This is required to establish their right of enforcement as holder in Due Course via a chain of assignment as evidenced by the note. They have not provided any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received my credit report and found that Afni Inc falsely  reported the following account number : XXXX I have never done any business with Afni Inc and Afni Inc refuses to supply me with information concerning the date of last activity on the account, verified by the original creditor..Also Afni Inc ignored my CEASE and DESIST letter, my validation letter and many other letters Please help me find out from Afni Inc the date of last activity that XXXX XXXX has verified Thank you XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
First of all I had a credit score in 2020 and at that time I was definitely not applying for credit or having any credit lines open or anything like that now all the sudden a year later I have no credit score whatsoever in any credit bureaus they tell me that I have two accounts opened under my social then they say they didnt I have sent my ID my social and letters verifying my identity and I made a report in the last report came back that they had no customer that matched that name like something about a third-party authorization I am making this complaint XXXX XXXX no one else is making this complaint for me this company is really affecting me during a pandemic every time I apply for something I cant get it and it always goes back to XXXX  yesterday I applied for a bad creditNo credit loan and it comes back I have no credit report that is crazy when I pay for credit monitoring every month for {$20.00} they send me all type of alerts that they dont know where they came from they said they never help me fix anything on my credit report they have fraudulent accounts open after Ive already sent them police reports and they also have inquiries with the wrong phone numbers beside the name of the business now INo theres not that many people going through all this kind of craziness this is absolutely harassment and I want it to stop they are affecting me and my children for no reason I want a credit score I want all the inquiries off of my credit report or not mine and I want them to stop telling things that I applied for the wrong information about me and then Im also hearing they have me reported dead so I have no clue whats going on but they need to get it together because I am going to call the state attorneys office next or something news channel I have no clue what to do but this is not fair when we have a fair Reportingcredit act Thank you for your time

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 2020-11-17
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: Account information incorrect

Complaint:
I have been disputing this account with XXXX XXXX to update the payment history on this account since XX/XX/XXXX. They have come back each time stating that the account is " certified as accurate ''. The payment history is still reporting incorrectly. This account can not report 31 charge offs for 3 years from XXXX up until XXXX of XXXX. The payment history from XXXX has been eradicated and doesnt report at all. The date of charge off states XX/XX/XXXX when they charged the account off in XX/XX/XXXX. I have called and reached out to the company and was told that they dont handle XXXX accounts and that these accounts were given to capital one. Another rep from capital one told me that the account was sold to another company called enhanced recovery company. 1-how can XXXX  verify the account as accurate if the payment history is still the same and has not been corrected? 2- how can they verify an account is accurate but don't have any information about the account anymore? 3- how is the account verified as accurate if the charge off status still shows XX/XX/XXXX and not XX/XX/XXXX? This account payment history needs to be corrected or the account must be removed from my experian credit file. This is in violation of the fair credit reporting act.

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 2021-08-08
Company: EQUIFAX, INC.
State: MO
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 am the victim of identity theft and got sick during the XXXX XXXX and equifax Is falsely listing accounts on my credit report that are not mine and I have no knowledge of. They refuse to let me call by phone or dispute online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XXXX/XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my 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 2019-05-30
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have sent in copies of police reports and FTC reports. Stating and proving I was a victim of fraud. The account was opened in my name using my social and drivers license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XXXX/XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: LEXISNEXIS
State: MS
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:
Before filing a dispute on XX/XX/2022, with Lexis Nexis to verify XXXXXXXX XXXX XXXX. A dispute was filed with XXXX, XXXX, and XXXX the investigation letter stated XXXX XXXX XXXX was verified through Lexis Nexis. Lexis Nexis letter response to investigation verified XXXX XXXX Bankruptcy accurately verified with Court. On XX/XX/2022, I received a response letter from XXXX of the court stating that the court does not report or verify this information.

Company response to consumer: Closed with explanation