BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-26
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Owning.com claims on the home page of their web site that they will " refinance your mortgage with no closing costs ''. 

However, after talking with the agent from owning, they claim that XXXX XXXX XXXX charges a 1 % fee for the loan. After investigating this, I have found that this is a false statement. They do NOT charge anything. 

There are two issues : 1. Owning.com is claiming that there are no closing costs. This implies a no cost refinance for the person refinancing and 2. XXXX/XXXX do not charge a fee, which one can only assume is another way for Owning.com to get paid to do the loan. A refinance fee on a $ XXXX loan at 1 % is {$5000.00}. 

This misleading fee is a " bad faith '' charge and is not legal. I have yet to see this in writing from Owning. Owning needs to tell the truth or stop this practice. This is NOT a " no closing costs '' loan, as they are claiming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
You keep telling me you need more information. Please tell me how do i give you more information? 

I am trying this once again. The last time you told me that you needed more information so i am resubmitting this with more information. TransUnion has really been playing games with my livelihood and access to live my life comfortably for well over 300 days. I first sent them a letter in XX/XX/2021, and i've sent a letter every 30 days asking them to re-investigate or delte the false information, but they haven't done anything. The law says they must correct their inaccurate reporting, or remove the account entirely from reporting on my behalf. They either ignore me and just send a letter saying " Verified. '' Not once have they actually investigated the accounts, or provided me with how they verified the accounts. No permissible purpose, no evidence, just lies that the accounts are verified. Alot of them are medical collection/records and I got documents from The collection agency XXXX XXXX XXXX ( which i don't know how they got access to my medical records and procedures, but i didn't give them permission either ). XXXX XXXX XXXX records on file PROOVE, that TransUnion didn't follow regulations and they violated my rights as a consumer on both accuracy and privacy. After i let them know their violations they continued to report the inaccuracies for well over 300 days. How is that possible? Even if they had 60 days with the extension, they still are knowingly and willfully violating my rights under the Fair Credit Reporting Act. I hope somebody can help me because as an American i am suffering greatly from TransUnion reporting false information. I've lost job opportunities, missed out of purchasing a home, have been forced to pay high interest rates of 18 % + on a car loan and 30 % + on credit cards just to live life comfortably. It is very stressful when you're a single parent of 4 kids and you have a company that takes advantage of you for so long, essentially taking food from my kids mouths by pushing my credit score so far down that i'm forced to pay high rates for everything. It has been over 300 days what else is there to do? I am beyond frustrated and stressed out with TransUnion. The responded to my dispute on XX/XX/2021 by stating that the items that i am disputing were not on my credit report. However i pulled my credit report on XX/XX/2021 and those items are still there. This is a huge issue either they are lying or there is a mistake in their system. But either way i'm being violated and my consumer rights under the Fair Credit Reporting Act mean NOTHING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my annual free credit report from Equifax, but Equifax is unable to locate my credit file. I have talked to their agents on the phone, and written a letter to Equifax with all the information that agents directed me to supply. However, Equifax responded with a generic letter that does not help resolve the problem. Please help me get my credit file located with this company. 
XX/XX/2019, I tried to register with my.Equifax.com. The website would not grant me access, instead the site displayed the error code NH and directed me to call Equifax customer service. 
XX/XX/2019, I called Equifax customer service where I was on hold for over 2 hours. I was never able to reach an agent. 
XX/XX/2019, I reached an Equifax agent ( XXXX ID # : XXXX ) on the customer service line. I provided my full name, social security number, date of birth, and address. I also verified that I have had credit history for over 4 years. The agent was unable to locate my credit file and directed me to write this letter to the Equifax Dispute Department ( Equifax Information Services, LLC Attention : Dispute Department XXXX XXXX : XXXX XXXX, GA XXXX ), and to verify with my lenders that they have been reporting my accounts to Equifax. 
XX/XX/2019, verified that 2 of my lenders are reporting my accounts to Equifax ( XXXX and XXXX ). 
XX/XX/2019, I wrote a letter to the Equifax Dispute Department, requesting that Equifax correct and/or re-establish my credit file. I told them that the website, my.equifax.com, displayed error code NH when I try to access my credit report. I told them Equifax agents were unable to locate my credit file. I provided the requested information and documentation with the letter so that Equifax could investigate and resolve this issue, along with a photocopy of my drivers license, a photocopy of my social security card, and a copy of my current XXXX  credit report. 
XX/XX/2019, I received a letter from Equifax in response to my inquiry. The letter stated We received your request concerning your Equifax credit file. We are unable to locate a credit file for one of  the following reasons. You may not have a current file. You have not applied credit recently. You have not actively used credit in the past ten years. 
Equifax did not investigate the matter, and clearly ignored the information I sent to them. The information I sent to Equifax clearly showed that I do have a credit history, and that my creditors are reporting to Equifax. 
Please help me get my credit file located with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
They stole money from me without my authorization from my debit card

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 trying to get this account updated for almost a yeaer now and it is very stressfull and unfortunate that these companies can report false information and hurt peopples credit with out any compassion or anything. The credit bureas XXXX and TransUnion are supposed to do their job and they have failed horrible at that. They " verfied '' false information, how? They either lied about it or they are just ok with breaking the fair credit reporting act laws. Or maybe they actually did investigate it and XXXX is the debt collection company that's lying on my crdit? I wouldn't know because they also haven't sent me any debt validation paperwork for almost a year. They make it so difficult to function. Like i know the information is not accurate yet they still report it and tell me yes it is accurate. They have proof that it isn't right and they don't care. I even told the bureaus that they are reporting a dupication account and they don't care at all. My next steps has to be a FTC complaint and then consumer finace litigation i don't know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second attempt to get the information requested. Hunter Warfield replied with the same response as before. My demand is very specific. PROVIDE UN-REDACTED proof that you have a legal right to collect on this alleged debt. I am a federally protected consumer. My rights are being violated. 




I have requested information from Hunter Warfield in regards to the allegation that I owe a debt. Hunter Warfield alleges that they are providing a service for their alleged client. However they refused to provide any documentation that proves they have any legal right to collect on this alleged debt. I am again requesting a copy of the contract that states such information as per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company refuses to remove the debt from my credit saying I am the one who took out the loan. I have no documents to prove that I am the one who took out the loan and they cant provide me with any documents. {$940.00} From XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I found inquiries on my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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:
1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my Transaction history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
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: Information belongs to someone else

Complaint:
I never had this account, i'm not responsible for this transactions. I never sign any documents with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Nelnet, 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:
I am working with XXXX and XXXX to resolve an issue with Firstmark Services, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. 

I have been paying Firstmark Services XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my XXXX XXXX has not improved despite my timely payments. After going back-and-forth with Firstmark Services personally and filing disputes against them through XXXX and XXXX throughout XXXX, one of Firstmarks customer service agents finally disclosed the problem to me. 

Firstmark Services has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. Firstmark Services claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

Firstmark Services applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because Firstmark Services added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe Firstmark Services wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with Firstmark Services. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On: Wednesday XX/XX/XXXX, I received an E-Mail from: Synchrony Bank, letting me know that $XXXX  of my Minimum Payment Due to them, for my CareCredit Account, was never Credited to Synchrony Bank, by: XXXX XXXX XXXX, which they have already took care of my Minimum Payment Due, to: Synchrony Bank already, and is reflected that Payment, on my Bank Statement that I received by: Synchrony Bank already, as a Credit to my Account with: CareCredit.

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-08-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ALLY FINANCIAL failed to comply with 12 CFR 1026 and is civilly liable to me under 15 USC 1640. Furthermore they have reported incorrect accounting on my consumer report and have not validated with " ledger '' proof of the debt that is said to be owed. This in return has damaged my report. 

Account : ALLY FINANCIAL

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 2022-01-21
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation