BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: IN
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:
To Equifax Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  
FCRA Violation student loan payment never late
DEPT OF EDXXXX

FCRA Violation auto loan payment never late
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: FL
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 have and account thats not mines on my credit report XXXX XXXX XXXXt thats not mines but the credit bureau XXXX refuses to remove it even after notes from creditors stating they have no acknowledgement of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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 have created a complaint, sent out letters, supplied my proof and still received notification from the company that the information was verified by XXXX XXXX. I have attached a copy of my confirmation from XXXX XXXX that they are NOT to share my information dated in XXXX but Equifax has a letter dated XX/XX/XXXX that was their method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Ive disputed these iteams. And nothing has happened..

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 2022-12-02
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made an additional principal payment to Mr. Cooper ( the mortgage company ) in the amount of $ XXXX. They received and cashed the check on XX/XX/2022, however they only applied {$78000.00} to principal on that day. The remainder of {$1600.00}, they held in their own hands and then applied it to principal and interest on XX/XX/2022 as if my normal monthly payment. Thus, I paid more interest than I was required to pay. I let them know this. They refused to back date the {$1600.00} to XX/XX/2022 ( when they received it ). I have screen shots saved of the chat dialog with them denying satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: UMPQUA HOLDINGS CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Per prior case # XXXX ( with CFPB ) XXXX # with Financial Pacific Leasing ( XXXX ). This matter should not have been so closed so quickly from the CFPB. It didn't allow me ample time to provide a response to Financial Pacific Leasing 's response. Perhaps I will file a complaint with whoever oversees the CFPB. Do I need to contact the Inspector General or XXXX XXXX, XXXX XXXX and tell them I feel this matter was not handled properly. The company gave some generic response. They did not address how they come up with erroneous fees. They almost double and triple fees for customers ( including mine ). This can't be legal. I believe the Government and Congressional leaders have oversight and power over these companies ( to investigate and shut them down ) for illegal and deceptive practices as these articles clearly state. There have been many complaints from other consumers. Therefore, this should not be ignored. The XXXX XXXX XXXX filed lawsuits on behalf of other NY customers in reference to a similar company with similar illegal and deceptive practices. Please review/see the following links below. Financial Pacific Leasing is a subsidiary of Umpqua. It is also noted on their website. ( As a subsidiary of Umpqua Bank, Financial Pacific Leasing XXXX XXXX ) https : XXXX https : XXXX https : XXXX https : 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 notice a account on my credit report i did not open up i disputed it and its still on their i want it remove immediately i never open or seen this account before

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 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-11-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Hard Inquiries are listed below. ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
According to Federal law, Child Support is no longer allowed to report on a consumer credit report because it did not arise from a consumer credit transaction. My previous attempts to contact the credit reporting agencies, XXXX and Experian, have gone unanswered. These reporting violations are causing my family and I financial difficulties.

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 2022-07-29
Company: Resurgent Capital Services L.P.
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: Problem with personal statement of dispute

Complaint:
Resurgent Capitol Services L.P. is attempting to collect on an alleged debt on behalf of LVNV Funding LLC. LVNV Funding is reporting a charge off on my consumer report for the amount of {$630.00}. 

As defined by the IRS, Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income AND File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of {$600.00} or more. 
They are also supposed to provide me with a copy of the 1099c form showing that the debt was charged off so I would be able to report the income on my taxes but I never received a 1099c from the alleged Original Creditor XXXX XXXX XXXX, Resurgent Capitol Services L.P or LVNV Funding .... 

The IRS also clearly states that a canceled debt or charge off is income, which is considered " ordinary income '' but is being reported as debt on my consumer report which is inaccurate and illegal. Pursuant to 15 USC 1681 s-2 states that Resurgent Capitol Services L.P. is a furnisher of information to a consumer reporting agency. and is prohibited by law to furnish inaccurate information. 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 the information is inaccurate. 

I demanded this information to be deleted from my consumer report but they are still reporting this without proof of my 1099c form.. From my understanding LVNV Funding LLC , Resurgent Capitol Services and XXXX XXXX XXXX are all under violation of the FDCPA and IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX took over my loan from XXXX and reported late payments when the payments was sent to XXXX. they then charged off my accout as bad debt which has negatively impacted my score. i need the accout deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: United Revenue Collection Service
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:
On XX/XX/2019 United Revenue collections added a derogatory mark on my credit report per XXXX XXXX Upon further research, the account was transferred/sold and I am not responsible for the account. The debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can say its mine. According the FCRA, XXXX XXXX XXXX has violated my rights as a consumer, and I am requesting legal action to remove 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 2022-09-22
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with XXXX XXXX XXXXXXXX, a collection account from IC System ( original creditor is XXXX and a medical collection from XXXX ( original creditor is Georgia XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 : XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 2022-09-22
Company: South River Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
we applied for a reverse mortgage through South River Mortgage, XXXX MD. After 2 appraisals which were close to each other although about 25 % below XXXX according to several realtors, we were provided an approval subject to several contingencies all of which were complied with within 10 days. Then, the process stopped and communication also stopped. We had complied completely and should have had immediate clearance to close. But then after around 5-7 days the Company arbitrarily lowered the appraised value with no grounds to do so and cut the proceeds we were to receive from approximately {$400000.00} to {$19000.00}. They completely changed the deal that they had agreed to and represented to us with no justification. Why bother to get an appraisal if they are just going to pull a number out of thin air? They fraudulently presented a loan approval at a certain amount subject to conditions we met and they affirmed, but then changed the deal at the 11th hour. We were forced to accept the revised loan due to the fact there was no alternative. They owe us the additional funds they did not provide at a minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was involved in XXXX data breach and requested that multiple inquiries be removed from my account. XXXX placed a statement on my account within 24 hours and stated the investigation was completed and all inquiries belong to me. There is no way they investigated XXXX inquiries in less than a day. according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed. I was unable to speak with anyone regarding my dispute because of the security freeze on my profile. Despite providing the correct information, I could not access anything online or via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 Upon checking my credit report I saw a few disturbing inaccurate accounts on my credit report. These account were not authorized or have a permisable purpose to be on my personal credit credit report. 
I an aware of 15 USC 1681c which states a consumer report will be kept confidential. Please remove this account from my credit profile immediately. This action is effecting the way I live. 

XXXXXXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-09-22
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, someone tried to hack my Venmo account. I immediately received a call from Venmo and they blocked the transaction. While I was grateful for that, on XX/XX/XXXX ( I had already initiated a transfer from my bank to my Venmo account ) I tried to access my Venmo account to send money to a friend and I learned my account was frozen. I have spoken and chatted with representatives every day, sometimes multiple times a day. At first, I was told it would take 5-7 business days for their account specialists to do their due diligence and confirm my identity. I have NEVER heard from an account specialist in the 13 days since. Yesterday, I chatted with yet another representative and was told it would take three weeks!!! 
I am XXXX and I am also my XXXX XXXX XXXX mothers sole, full time caregiver. We have no family or friends to turn to for financial assistance. We have no money and need access to that money in my Venmo account! Without access to that money I can not purchase groceries and, most importantly, I can not purchase her insulin. She has already been 3 days without her insulin, her blood sugar is over 350 and she is in imminent danger of XXXX XXXX!! If I do not have access to that account almost immediately, I will have to call 911 and have her hospitalized for treatment, which is ridiculous and we will incur the costs of such hospitalization! 
I need someone, someway to get through to Venmo for me! I am filing complaints every place I can and I am also contacting an attorney who deals with Venmo cases. 
Venmo is essentially holding my {$700.00} XXXX, through NO fault of my own, and thereby putting my XXXX XXXX XXXX mothers life at risk!!!

Company response to consumer: Closed with explanation