BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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

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 2022-02-25
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX XXXX AT T These disputed items wasn't removed from my credit record within 30days of the investigation period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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: Reporting company used your report improperly

Complaint:
In Accordance to the fair credit reporting act XXXX  XXXX XXXX account XXXX XXXX and XXXX violated my rights on Transunion and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have a right to privacy XXXX XXXX XXXXXXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report Also this is being illegally reported because on both accounts they are reporting a XXXX day late payment on XX/XX/2019 when they both also reported i paid on time XXXX XXXX there is no way i can pay on time XXXX month and then be XXXX days late the very next month it makes no sense. this is causing stress and mental health problems as these inaccuracies are preventing me from obtaining 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 non-monetary relief
Consumer complaint received 2019-09-30
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Phoenix Recovery Group. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/2019 and still there were no updates to reflect that account was being disputed and no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Notice to agent is notice to principal This notice is to inform you of your gross negligence regarding the below nefarious account. XXXX XXXX XXXX XXXX # # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

The account was deleted in XXXX of XXXX. Then reinserted in XXXX. Blatantly violated the law which states, If an item as erased and is reinserted afterwards, the CRA is required to send you written notice of the reinsertion within 5 business days.

Secondly, the above data furnisher has repeatedly failed to validate the accusation of this debt. I requested validation of this debt through the CFPB portal on XX/XX/XXXX Complaint number XXXX And I have not yet received the items I requested. 
I received an interim response that read, the company will follow up within 60 days. Which is not satisfactory.

Under the Fair Credit Reporting Act ( FCRA ), Credit reporting agencies generally have 30 days to investigate the disputed item and remove any items proven to be inaccurate.

Your Consumer reporting agency has exceeded that lawful timeframe. 
The reporting of this incorrect information has caused severe damage to my character, my reputation, my general means of living and my ability to obtain credit for personal, business and household purposes.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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.

In conclusion, the reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 and the responsibility the assumed as a furnisher of information.

Consider this an opportunity to correct the mishaps and permanently remove the above erroneous account from my consumer report to avoid legal action.

By notifying you of my Notice of Understanding and Claim of Right, I have thereby notified all applicable agents.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 appreciate the action of XXXX in removing most of the fraudulent inquiries, but the bureau STILL NEEDS to REMOVE this remaining inquiry. And with regards to to my issue in my XXXX credit report, the bureau needed to remove two more fraudulent inquiries. And the Experian Credit Bureau have NOT REMOVED any of the needed to be removed fraudulent inquiries. Again, I am asking the 3 Credit Bureaus, especially the Experian to please REMOVE the listed inquiries in this complaint : EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Though finance company XXXX XXXX XXXX has been haunting me for years on my report cuz I have no affiliation they're name should be nowhere on my report since last complaint no how do I understand that XXXX items what's showing up on my credit report still about all my XXXX I think I should have a fair compensated resolution for my hardship and stress and struggle trying to get all these issues take care of because my credit is all I have

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 2022-02-25
Company: Experian Information Solutions Inc.
State: HI
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:
My name is XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

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 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 2020-01-17
Company: EQUIFAX, INC.
State: NJ
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:
My mortgage company XXXX XXXX  XXXX My loan number is XXXX. I have an payment transaction dispute in of which cause my credit to take a dive, and I could not understand why my score was so low. I just paid of a home and all my cards paid down. I was recently discovered while pulling my report XXXX was the cause. They reported incorrect information of 30 and 60 day late payments. They claim my payment for XXXX was not received. I never knew this and continue paying XXXX, XXXX and XXXX as normal. unbeknown I was continuing a 30 day late since XXXX. I provide transaction trace number from my bank for them to verify and correct my Credit ASAP. I am getting the run around when calling to get status. 
Its my suspicion this company is performing this unfair practice. 
I have tried some time ago to began a refinance for the townhome to remove PMI, and go conventional. To my surprise I was unable to. I would like to see this company investigated since I was told by the phone rep this happens many times. They seem to have a practice of doing this. As you know this would stall any refinance or change of servicer. I pay my bills on time each month. I need restoration this has cause me problems relocating to NC and how I found out when trying to obtain a Home to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Lendmark Financial Services
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I took out a loan for {$3100.00} in XXXX XX/XX//2017. 

I have been taken to court for {$280.00} late fee. 

Threaten to take to court for {$70.00} partial payment. 

Lendmark Financial Services is threatening court and taking folks money not even 30 days late. This company uses employees to go to court as attorney, an abuse of the law. 

This company needs a audit of their practice and tactics to strong arm. 

I have had my account t number changed two times and concerned that this company just wants to take folks to court. 

My debt is monthly {$140.00} and this debt should have been marked paid in full The interest rates over usury laws in Va and so forth. The number of complaints and threats of court and the account is not over 30 days late is abusive practices in lending to consumers. 

Finance charges are high and this company is a threat to consumers. Please send in testers. Lendmark Office that is abusive XXXX XXXX XXXX XXXX, XXXX, VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: IN
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:
[ 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Dear Sir or Madam : [ XXXX XXXX XXXX ] I am a victim of identity theft. The thief [ made a fraudulent transaction in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me with copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name, address and telephone number is : [ insert officer name, address and telephone ]. Please also send copies of all records to this officer. ] Sincerely, 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 explanation
Consumer complaint received 2019-10-01
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am involved in a loan where draws are administered through a loan consultant. The builder has created a change order that was not practical in his services. I informed the loan consultant, XXXX XXXX, that the builder is requesting more funds for his services because he reduced his bid upon closing. XXXX XXXX said he is not aware of anything going on. He accepted the change order and submitted it to the loan for payment processing. I do not feel his action were ethic in his practicing profession. 

Loan Consultant involved in this case. 

XXXX XXXX Federally Certified XXXX & Fannie Mae Consultant XXXX XXXX, XXXX. 
XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
The accounts were deleted and has been put back onto my account. AS a result, I requested in XXXX and again in XX/XX/XXXXfor Trans Union to delete the reposted accounts. Or, furnish me with the actual documents they have and used to substantiate the validity of the erroneous accounts. The accounts were initially deleted due to identity theft. {$1000.00} & {$120.00} were deleted by XXXX XXXX. 
I have requested once again for Trans Union to provide me with proof per FCRA of the documents they used to substantiate the reinstatement of these accounts and to date I have not receive any evidence.

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 2023-10-06
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MOHELA ( account number : ) sent me an email demanding payment for my student loans and stated I could use the provided link. The link is broken. I was unable to complete payment. I also used the XXXX additional links contained in the email. None of the links work. 

I then proceeded to call MOHELA. They kept me on hold for over XXXX hours, and then hung up on me. I was unable to acquire the information I needed to pay my student loan. Because of this, interest has now accrued on my student loan. 

I also initiated student loan consolidation. MOHELA failed to comply or complete this process. I had to initiate the process on XXXX separate occasions. Because MOHELA failed to complete this process accurately, or effectively, XXXX of the missed student loans has now been sent to collections and I have a law firm harassing me during work hours. This is illegal under XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Someone used my identity to file a fake claim...

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 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 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 2021-04-22
Company: Adelante, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2022-02-25
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Im sure you receive complaints all the time an dive even issued a couple regarding PayPal.. I wonder when you XXXX XXXX  will ever actually treat us as your boss and do something. Paypal blatant violates the electronic funds transfer act on a daily basis and gets away with it. They are not a banking institution, therefore they do not have a f-ing right to act as an authority regarding business transactions or a mediator who decides if a business is in good practice. They do. Not have a right to hold onto money for any amount of time let alone 2 weeks. It only takes them two seconds to collect it. They cant do this, you know it but you XXXX do nothing. Maybe a lawsuit against oyu for basically defrauding the tax payer which is what your doing by taking our money while misrepresenting yourselves as actually providing a service. Paypal have no XXXX right to hold my money until they determine I deserve it. They are not a back or an authority and if I have to sue you to do your job I will do that. Do your XXXX job and actually earn your pay oyu XXXX XXXX

Company response to consumer: Closed with explanation