BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit 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 2019-12-02
Company: Experian Information Solutions 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:
I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again  formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX  {$570.00} XXXX  XXXX XXXX   {$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 2017-06-21
Company: Earnest 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:
Hi i inquired about school loan consolidation with this company called earnest. the form was online and I did not know that they were going to check my credit they just said i can find out about lowering my rates on my loans. later i saw they did a hard inquiry on the credit file. The inquiry is on   XXXX   from  XXXX   XXXX ,    2017  ..I sent them a certified mail requesting them to remove it and they would not. I also talked to someone by phone at their company who also said they would not remove it although they had no evidence that i approved this inquiry. So now I am contacting you for help since they will not do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 asked for verification that the reporting info was correct and they did not properly do so. I have misleading info on my report and my info is being misused since it is inaccurate! They stated everything was accurate and I found inaccuracies myself! They have to follow FCRA and according to that these accounts violated the law : XXXX, Date : XX/XX/XXXX, AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 1681 602 A states I have the right to privacy I wasn't ever given the notice of the right to opt out and given instructions! The credit bureaus are violating my rights and the law! I am demanding that these items be removed immediately! 15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed.

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 2017-06-21
Company: CREDIGY USA CORP.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is about a complaint i loged against the company XXXX XXXX XXXX with the cfpb on XX/XX/XXXX for triying to garnish my wages.the complaint # is XXXX. 
In their response the company indicated That they no longer own the debt and i should contact XXXX XXXX  which is just a debt relief law firm.XXXX XXXX XXXX just send a certified letter to my job place to start garnishing my salary.they actually deceived the cfpb by saiing they transfer the debt to XXXX.the proof is XXXX XXXX XXXX is the plaintif against me ( i will attach the copy of the letter send to my job ) .As i said before why do they asking me to paid {$3800.00} plus interest of XXXX. 
I spoketo someone who said the debt is from XX/XX/XXXX and i can find it on my credit report.please help i makeabout $ XXXX/weekwith a family of XXXX.XXXX XXXX XXXXstill triying to collect with the help of XXXX XXXX XXXX XXXX.thznk you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Fidelity Direct Mortgage, LLC
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:
On XXXX XXXX, Fidelity Direct inquired about my credit with out authorization. <P/>I need this inquiry removed from all three credit agency reporting systems. <P/>Again, this inquiry was not authorized. I also, want a letter of deletion sent to me for my future records. <P/>Fidelity Direct Mortgage via XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Inquiry Type : Individual Permissible Purpose : Credit Transaction Requested on : XX/XX/2017

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRUHOME SOLUTIONS, LLC
State: OK
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:
True Home Solutions purchased my mortgage loan from XXXX XXXX XXXX, an affiliate, in XXXX while the mortgage was in an approved Covid 19 forbearance. During this transition, I was charged two late fees by True Home Solutions whom was informed by XXXX XXXX XXXX  that the charges were inaccurate and therefore should be voided as they were incorrectly added during forbearance. True HomXXXX failed to do so and then reported my loan as in serious default ( XXXX XXXX ) which in turn has impacted my credit. Federal Law requires If you were current on your mortgage when the CARES Act forbearance was granted, your mortgage servicer is required to report your account as current during the forbearance period to the Credit Reporting AgencieXXXX. However this hasn't been the case. I also recall having to address this with True Home Solutions ( prior 6 months ) prior to this case at which point they removed it, but have since put it back on my report which has caused potential damages to an ongoing credit application. I have obtained FCRA Counsel and per their request was advised to file complaints with the XXXX and CFPB in addition to any further action that may be taken against said mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
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 Requested validation of debt from Experian after unsuccessfully reaching out to creditor ( XXXX XXXX XXXX XXXX ) via certifed mail which was return.

After sending certified, return receipt letters to Experian on XXXX2019, which they received on XXXX19, reporting that there were inaccuracies on my credit report in the claim I have a charge off and I would like some type of verification, I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XXXX19, which was received on XXXX19 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed 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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 3 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 XXXX 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 non-monetary relief
Consumer complaint received 2018-04-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX, took out a Home Equity Loan with XXXX XXXX who sold it to Wells Fargo in XX/XX/XXXX, in XX/XX/XXXX, Wells Fargo started to make it very difficult to make a payment of {$580.00}. and would take 2 weeks to post, I contacted Wells Fargo XX/XX/XXXX and XX/XX/XXXX for a copy of the loan documents which I was told in the mail yet never received. I began to notice that my payment was being applied towards unapplied or other charges and inspection fees, I sent in multiple payments in excess of {$1000.00}. and still were not applied. Our divorce Judge XXXX and 2 Attorneys stated loan was toxic as it was our largest asset. I retained an attorney when my ex wife XXXX XXXX XXXX and I were served foreclosure papers. The documents attached were not the documents I signed at the dining room table with only a notary present, in XX/XX/XXXX our attorney was suspended and Wells Fargo swooped in and while Wells Fargo was in contempt and a substitute Judge XXXX did not honor the motion for a 1 hour trial, denied continuance due to tired of attorney suspended excuse ( 3 attorneys were suspended ) and I could not retrieve file box until 3 days prior to hearing and ruled in favor of Wells Fargo who added an erroneous escrow account in the amount of {$67000.00}. I paid cash for the property in XX/XX/XXXX and the loan to value was so low I had an escrow waiver. XXXX XXXX, XXXX did not file an appeal or provide court reporter I requested and paid for. I overpaid Wells Fargo {$15000.00}. the year they foreclosed and provided proof all escrowed items were paid and filed all proof of payments and statements at XXXX   case # XXXX XXXX XXXX, the statements showed a {$42000.00}. escrow overage however after filing for bankruptcy in order to buy time and paying {$27000.00}. In monthly payments, a hearing was held due to Trustee not posting a payment and XXXX XXXX XXXX, XXXX XXXX, XXXX did not show up and were later told he no longer worked there and the Judge XXXX XXXX said to just re file form after I showed proof of payment. I inadvertently filed the wrong form and Wells Fargo is now AUCTIONING my property of 21 years on XX/XX/XXXX with starting bid of {$330000.00}. and changed loan servicer plus added more fees, I am a XXXX year old veteran who will be out on the street when I paid for everything and proved it plus my XXXX daughter and XXXX adults have no where to go after ex wife and I spent everything {$120000.00}. In legal fees knowing we did all the right things, never had a problem before and We paid Wells Fargo, they refused to acknowledge this, never tried modifications as stated, changed court documents after judge signed and are stealing our home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This investigation has now been well over 30 days to determine is there was late payments. The credit bureau will not validate late payments - it's been over 30 days and still no documents that show my payments were ever late. Isn't this illegal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My insurance and taxes are included in my monthly payment. They are refusing to pay the insurance premium from my escrow account. It's a rental and a fire policy only is required since liability is on my primary home which I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2019-02-18
Company: Tenant Data Services Inc
State: GA
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:
Unable to obtain a copy of my rental/tenant history credit report. I wrote to you, and have not recieved any response.

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 2022-03-10
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called customer service several times. I am trying to remove the PMI from my loan. I currently have 50 % equity and have asked several times for the process to remove my XXXXI payment. I am advised by PRMG customer service that the XXXX payment can not be removed. My understanding from the mortgage that when the loan to value reaches 78 % that I no longer have to pay XXXX

Company response to consumer: Closed with explanation