BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX. I was never late with XXXX.I was under a approved forbearance agreement back in 2016 for XXXX XXXX XXXX  and forbearance for XXXX  .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXX.Also XXXX  shows me never late for XXXX XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX  is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my credit report has prevented me from getting hired for work.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX XX/XX/2023 To whom it may concern, This is an investigation request letter. I recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate with all the credit breaches happening. I asked that certain items be investigated when I saw that the creditor has reported on my consumer report information inaccurately.

I am writing to request a detailed description of the investigation process carried out by the three-credit agencies regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ).

Under Section 15 USC 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
1. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

2. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: PA
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent a amount of {$200.00} to a man named XXXX XXXX. This was done through XXXX. I immediately notified my bank about the scammer and they started working on this. I was notified by them today XX/XX/XXXX that they cant do anymore to get the money back and requested I contact and report it here. I have all the messages between me and the other person. The bank has his true name and bank account informs as well. There is a paper trail through XXXX to track the money also.

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 2023-03-17
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I previous sent a letter to this company telling Spring Oaks Capital XXXX don't contact me about some bogus account they claimed I had with Indigo in year XXXX. They have continued to contact me by mail and by phone the number is XXXX which I screenshot on my cell phone. I was a victim of identity theft last year and it also shows on my credit report. They sent a Bill of Sale that is Post Dated A Year Prior saying this is when they purchased the Debt on XX/XX/XXXX. I have never had an account with XXXX and would appreciate if they remove this from my credit report and stop contacting me. I sent a letter to them because I thought they were an account from me being in collage paying for books which account was paid off now they say it's a credit card that I never received or seen a day in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Cfpb : went to use walmart mc charge card and card was blocked and declined after being cleared for purchases? 

card was destoryed.

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 2016-09-12
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have recently submitted a compliant about Specialized Loan Servicing purchasing insurance on my behalf ( illegal in New Jersey ) when they already had copies of my insurance dec pages ( both flood and hazard ). SLS responded to CFPB with a letter stating that the insurance they had purchased was cancelled and I would not be charged. I have just received a letter from SLS ( dated XXXX/XXXX/16 ) giving me notification that my escrow account was being charged for insurance that they already reported to CFPB that was cancelled. They had no right to purchase insurance on my behalf in the first place as they already had proof of insurance on file. So which is it? Is SLS charging my escrow account for insurance or did they cancel? I was told by the CFPB rep to file another complaint as the last compliant ( case # XXXX ) was supposedly resolved and obviously is not since SLS is still trying to charge my escrow account for the insurance.

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 2017-03-23
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I called Equifax in regards to a dispute the agency placed on the XXXX account and asked for the dispute to be removed. One agent told me it would be updated right away, his supervisor told me it would be removed within 24 hours, another agent told me 72 hours, and the last representative told me a request was never even input, and provided me the above case information. When I talked to another representative again, she said there was nothing pending removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a public record on my TransUnion credit report from " MINNESOTA FEDERAL COURT. '' There is no recorded judgment from this creditor. I have disputed in the past with TransUnion, and it has come back verified. I went on to request that TransUnion provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2016, we made a purchase with XXXX XXXX in the amount of {$1700.00}, which included a {$150.00} fee to be eligible for a 24 month, 0 % interest, equal payment plan on the purchase. The monthly amount due was {$76.00}, more than enough to satisfy the purchase within the 24 months. 
This month, when we went to pay our bill online ( we do not receive paper statements ), we discovered that promotion is ending, but instead of owing {$76.00} or less, we owe more than {$180.00} on the purchase! 
When we looked at our online statements, that's when we realized XXXX XXXX XXXX has been applying our payments to subsequent purchases at amounts which now makes it appear we haven't been paying enough on the original purchase ( when we have ). When I called to find out why they were applying our payments in this way, both representatives argued with me. First, XXXX told me that's just how they apply payments. When I asked to be transferred to a manager, XXXX gave me 2 lies -- the first being that we aren't incurring any interest ( ignoring the fact that we will begin to accrue interest when the balance isn't satisfied in full on XX/XX/XXXX, despite having paid {$150.00} to have equal payments to avoid the threat of interest ), and the second that the {$150.00} fee wasn't included in the {$1700.00}. 
Now, our option is to pay the {$130.00} minimum payment ( which includes subsequent purchases subject to the same terms with an additional {$150.00} fee ) and incur interest on the outstanding balance owed for the first purchase OR pay {$130.00} PLUS the {$180.00} which means the {$150.00} fee was a lie because XXXX XXXX XXXX didn't do as promised and calculate 24 equal payments for us to avoid having to incur or pay interest.

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 2023-03-17
Company: CrossCountry Mortgage LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind in XXXX do to my mortgage goin from {$650.00} a month {$1200.00}. I had reach out to Cross Country Mortgage in was told they didn't know why it had want up. I then received a called by loan modification assisistancen though Cross Country mortgage in was told that i had to send my payment in a money order to a address that he would called with. I had sent him a few payments till he told me to use someone else name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: 360 MORTGAGE GROUP LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying with Lender 360 mortgage, but I am behind so they will not accept partial payments only full payments with prearranges included also. since XX/XX/2016 they called me every two weeks to remind that they newer a debit collector and gave the new behind payment amount. Consumer law says they are on the lead of this to stop sale but the same questions of payments and intent of property are first and not take a payment. Now three weeks later we are still doing a hard ship letter again with same reasons but further explained as if the circumstances have changed much. But I have now got bad credit with giving up on credit score to keep home and now two weeks to sale I don't believe they have or even care of the impact this will have on my psychological state I have no other recourse due to college students [ children ] need expensiveness and garnishment for child support.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX SETERUS, INC has their insurance agency XXXX XXXX sending multiple letters ( this year to date XXXX already ) regarding condominium insurance information they have already had for weeks. The condo assoc master insurance policies were submitted more than one month ago, they are a loss payee on my XXXX policy, and the condo insurance agent spoke to them on the phone and was told all was resolved on XXXX XXXX ( XXXX attachment ), yet they continue to send more letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XX/XX/XXXX, and Federal Trade Commission. 
XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XX/XX/XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXXXX/XX/XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 


Sincerely, 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 2018-11-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained my 3 credit reports and noticed several collection accounts. I contacted the creditors and the 3 credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 for validation of debts. The collectors XXXX and XXXX XXXX XXXX never provided a signed contract or other proof of validation as requested. The CRA 's continue to report as verified, although they clearly did not physically verify these errors. I want these erroneous items removed from my credit according to the rules of the Fair Credit Reporting Act and the Fair Debt Collections Reporting Act. I have spent a lot of money on certified letters and stamps to have this corrected, to no avail. I have also had to deal with XXXX placing an unauthorized fraud alert on my credit report and sending the same request to XXXX and Experian. After my last letter, my XXXX scored dropped 38 points with no apparent reason. I suspect they are being punitive because I keep sending requests for verification as allowed by law. The CRA 's should not be allowed to arbitrarily report errors on people 's reports. I also contacted XXXX XXXX and XXXX XXXX XXXX directly by mail twice, with no validation from either. 
Please help me. Thank you.

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 2016-06-03
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Carter young is reporting to my credit file against Hippa laws Privacy laws and laws that state clearly an medical collection can not be reported if it is being paid by my insc it was XXXX XXXX XXXX is sharing this information that is protected by the hippa laws and the privacy acct MY medical records with any body who pays them My medical records are private and that incudes my medical bills account XXXX reported with a XXXX balance and is clearly a medical bill and it is illegal for them to report it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
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.

has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 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 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