BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: NY
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:
Hello! I retained a paralegal company back in XXXX, the XXXX because I had 2 derogatory marks, both credit cards ( XXXX XXXX and chase ). They are both accounts that were open over 10 years ago and was closed over 7 years ago. I have been keeping up with my credit with all makor credit bureaus ( XXXX, Experian, XXXX ) but the derogatory marks are still there. I believe I should have those removed from my credit report as it was a very long time ago ( and I was a child with no financial literacy haha ). I would love your help in getting those removed. 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX, I sent a letter for inaccurate on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives reason to immediately correct the account on my credit report. They should be promptly be corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: Wisconsin Housing and Economic Development Authority
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good day, The Wisconsin Housing and Economic Development Authority ( WHEDA ) is proceeding with a hearing to confirm a foreclosure sale for a client I represent. The mortgage may be federally backed, but we haven't yet been able to ascertain that. The borrower submitted an application for the Wisconsin Help for Homeowners Program ( HAF ) on XX/XX/2022. His HAF application case manager sent a Verification of Mortgage Request on XX/XX/2022. The sheriff 's sale occurred around the same time. WHEDA claims the VOM was sent for the wrong mortgage, but the application only shows one loan and it's a WHEDA loan for the address WHEDA has on file for the borrower and his mortgage. 

WHEDA has since moved forward with the foreclosure and is refusing to adjourn the hearing to confirm the sale, despite the fact that HAF funds are available, the HAF application is pending and the applicant will be approved for funding, so long as WHEDA participates in the process and acknowledges the Verification of Mortgage already sent to them. WHEDA 's attorney is mistakenly claiming that they do not have to stop the foreclosure because the HAF application was not received 37 days prior to the sheriff 's sale. She is citing CFPB guidelines to support this violation. 

The Wisconsin Housing and Economic Development Authority is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX. 

Email : XXXX Tel : XXXX Fax : XXXX Toll Free : XXXX Sincerely, Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: NY
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 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXXXXXX Date Opened : XX/XX/2014 Balance : {$4600.00}

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 2023-01-30
Company: Radius Global Solutions LLC
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:
Medical debt under {$500.00} reporting to all three credit bureaus. Reporting medical debt that has already been paid to original creditor. 

XXXX XXXX : XXXX XXXX XXXX {$51.00} {$120.00} {$120.00} {$120.00} {$700.00} Radius Global {$150.00}

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 explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: IL
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 with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Co Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX  XXXX Account XXXX XXXX have all violated my rights. 

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 an account without my written instructions

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 2022-11-23
Company: InDebted Corporation
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving repeated calls from the debt collection company " Indebted ''. I have instructed them NOT to contact, nor attempt to contact me by phone regarding any alleged debt. I instructed them to contact me by US Mail. 

I notified them : - Once via their website message contact page. 

- A second time ( XX/XX/2022 ) by email to their contact email address, after calls continued - A third time ( XX/XX/2022 ) to their email address insisting on cease and desist phone contact, notifying them I would contact the CFPB if contact continued. 

Today, XX/XX/2022, I received yet another attempted phone contact from Indebted with a spoofed Caller ID label, " XXXX XXXX ''. The phone number is a corporate number for XXXX. This company continues to violate the Fair Debt Collection Practices Act despite notifications to cease phone contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage was transferred to Seterus fromXXXX Mortgage in XX/XX/XXXX in XX/XX/XXXX we applied with Seterus for a loan modification because we could not afford our mortgage payments I was unemployed for XXXX years from XX/XX/XXXX-XX/XX/XXXX When we applied for our fist modification with Seterus. We submitted documents that were required every 30 days. We needed to update our documentations because our documents had expired. We made 3 months of trial payments and we thought that the modification would be permanent we did not receive any documentation for the new modification and after 9 months Seterus told me that I need to reapply and start the process all over again They did not know what happened to our paperwork. During this time, our mortgage was in a past due status and foreclosure proceeding continue. We receive court documents that our house was in foreclosure and we were served with papers from New York state courts. Principal and interest continued to be added to the account. This was going on when we thought we had been accepted for a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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 AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUDULENT PLEASE BLOCK/DELETE 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 2022-08-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am bringing suit against XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX to recover damages stemming from violations of XXXX. 
XXXX ID : XXXX issued XX/XX/XXXX This is the fifth time XXXX has deceptively reported a current loan as past due greater than 30 days and over 60 days that was current. They have done this five times in the last 9 months. XXXX is fraudulently reporting this loan as charged off and owing {$860.00}. However I received written communication dated XX/XX/XXXX that the amount they're claiming owed is {$420.00} by XX/XX/XXXX. I have written XXXX and dispute the validity of this debt and ask for full explanation and have not received a response or acknowledgement by XXXXof Texas. However, I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loans. Loan ID are XXXX XXXX XXXXXXXX XXXX ID : XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX paid in full XX/XX/XXXX ) and XXXX ( issued XX/XX/XXXX paid in full XX/XX/XXXX ). This has caused me irreparable financial harm with far reaching consequences preventing me from getting approved for housing. I am seeking full monetary relief due to significant drops in my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FCO is one of the worst debt collectors. Not only did they not let me dispute my charge. They did this during a pandemic. The gentlemen collecting the debt threaten me and my partner back in XX/XX/2020 on the phone about our crediting being ruined. Also he was rude and demoralizing me. I explained that its a national pandemic and I had job lose and here in Maryland there were emergency plans for moms like me who had to stay home with school aged child! This company broke all laws and codes of ethics.

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-19
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-01-30
Company: EQUIFAX, 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:
Never applied for XXXX XXXX $ credit card in XXXX to XXXX. Someone else did this using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im at wits end. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint numerous times. You claim Im not the one submitting it. This to me is senseless! So Im submitting it again expectantly for the last time. Transunion has not been fulfilling with Fair Credit Reporting Act ( FCRA ). I submitted complaints about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my awareness, approval or authority. I provided them with documents which established this legal matter but they have disregarded these documents. In fact, I have sent them my FTC complaint report and my Police Report which I filed on my local Police Department. They claim they confirmed the account without providing me with any lawful documents, contracts or verifiable proof they were unlocked by me. They are not following to section 605b by blocking or eliminating them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is : - XXXXXXXX XXXX XXXX Date Opened XX/XX/2018 Balance {$0.00}

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 15 USD 1681 Section 604 states, I have the right to privacy. 15 USD 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USD 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as for any purpose.

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 2022-11-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of selling my home, closing has been delayed because Lakeview is not providing the Power of Attorney documentation for XXXX XXXX, with Massachusetts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX an Assignment of Mortgage when my loan was transferred to a different servicer. XXXX XXXX XXXX company has been requesting this documentation for over 10 days now and again this has stalled my closing. I am incurring more costs each day and we need the Power of Attorney documentation as soon as possible. My representative with XXXX XXXX is XXXX XXXX XXXX. Please provide the documentation as it should be housed with Massachusetts 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 2022-07-27
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Equifax shows 2 inquires for XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX  XXXX on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: Account status incorrect

Complaint:
You have reported this account incorrectly on my report. 

XXXX XXXX XXXX XXXX This account is reporting positive payment history while you are reporting REPETITIVE CO MARKS which is an inaccurate and a clear violation of my right under the FCRA 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