BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-15
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has somehow included the credit reports of my brother. He has a mortgage, XXXX auto loans, credit cards, that are affecting my credit. Basically anything associated with my brother and his wife should not be on my report. His whole credit report has somehow merged with mine and almost prevented me from getting a mortgage on our dream home. XXXX and XXXX are not reporting these. There are discrepancies everywhere on the report that are so blatantly obvious. XXXX look at the credit report from someone at Experian should be able to correct these issues. But now I am going to have to spend countless hours disputing every account. The dispute was made recently last XXXX when we took out a mortgage. Now I am going to submit it again because nothing has changed and I am obviously frustrated and angry that something like this could happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
I have a mortgage from LOANCARE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called LOANCARE and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and LOANCARE with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2019 and 30 Days Late in XX/XX/2019. There was an error on their part. I was never 30 days late on these two occasions.

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 2020-03-17
Company: EQUIFAX, 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:
In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. 
further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A1 debt collectors tried to collect this debt with 2 letters sent. The first letter was lost, the second I received I tried to call to understand what the debt was. I never signed a contract with the original company, and second the company HAS never sent me a bill at all. When I contacted A1 the man I spoke with would not stop talking so I could ask how I never even received a bill and now you say that I owe. I discontinued the conversation, I sent a debt validation letter asking for contracts signed, where were the bills sent that the company says they sent that I never received. When I received their reply it was nothing more than they say the company says I owe the money. I NEVER once received a bill, had I received a bill we would not be at this point. I have all the paperwork between A1 and myself, I am sending a second debt validation letter asking for the pertinent information that says I signed a c ontract with my signature and also when these so called bills were sent that I never paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have taken the steps to dispute information being reported by XXXX XXXX on my credit report with Experian and the case has been resolved unfavorable to me, despite having showing proof of its inaccuracy. 
I filed a chapter XXXX Bankruptcy Date Filed : XXXX XXXX, XXXX, and no credit card dept was included in the bankruptcy. Only a charge off auto loan and 2nd mortgage debt. I have attached documents from the bankruptcy trustee showing the items included in the repayment plan. XXXX XXXX credit card for XXXX was paid in full by me before I ever filed bankruptcy. Now they are reporting on my credit report that the debt was included in the bankruptcy which will adversely affect me. It should be reporting as a paid closed accont with a XXXX balance as of XXXX, showing I had a high balance of XXXX and paid it down to XXXX. not that unsecured credit card debt was included as a part of a bankruptcy. This is not fair credit reporting. Please require XXXX to provide proof of my last payment to them. Which will show I paid this in full prior to my ever filing bankruptcy and XXXX money was paid to them or included in the bankruptcy.

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 2022-03-26
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX account XXXX, has 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 a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Disputed XXXX negative items on my credit, XXXX XXXX and Acount XXXX XXXX and outcome was that would deleted from my credit reports with all XXXX credit units. still is reflected on reportAlso a dispute about XXXX and the First Mark XXXX. These car where given to exwife in divorce court, but she will not refinance under her name, but she is pay for them. Need to be removed from credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Current victim of I.D . Theft due to information being compromised by the XXXX. I 'm a XXXX. The main company that Im having a problem with is Experian. I have sent all necessary paperwork, yet the still refuse to assist me in restoring and removing derogatory information on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not have with other valuable documents ( financial and prior police report which dealt with identity theft ). I am a senior and have been really hurt by the id theft. ) XXXX  has been sent information confirming my identification and every time refuses to indicated that my information is correct. as of XX/XX/2020, and by regular mail as of XX/XX/2020. There are also inquiries on my file that I did not request or authorize. have sent the information via Certified Mail return receipt requested I can not call in or acquire it from their Alert program. The information was stolen last year from a rental car I had at the time. It had prior police report and other documents ( personal financial and those of our organization ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed the following accounts : 1. XXXX XXXX Account # : XXXX 2. XXXX # : 3 ... 
On XXXX XXXX, 2016 I spoke to XXXX XXXX ( Experian Consumer Affairs employee ) regarding the above mentioned accounts. I was informed that a Contract was never provided but simply the above mentioned companies simply press verified in Experians system. I am requesting a contract bearing my signature as it is illegal to report non validated inaccurate information to FCRA 's. I was also made aware that Experian has been sued before for this practice. Please supply the requested documentation or delete these items from my credit report as they are non validated in accordance with the law and inaccurate.

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 2016-04-29
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Moved in the house XXXX of XXXX first payment was supposed to be around {$2400.00} per month, but when I received my bill in XXXX of XXXX it was {$1800.00} per month. Instead of {$1000.00} for escrow and insurance Freedom Mortgage only charged me {$460.00}. I called 3 times and was told this was the correct amount. When I called Freedom Mortgage they let me know about {$300.00} was going towards PMI and {$150.00} was going towards escrow ... The house I live in is around XXXX sq feet. There is no way my taxes are going to be {$1800.00} a year. When my wife and I signed the Final Truth -in -Lending Disclosure Statement we signed for {$2400.00} or at least around this amount. Now fast forward to XXXX XXXX, I get a statement in the mail that my mortgage has gone up to {$3800.00} per month. This is over 100 % increase of my mortgage. The shortage is XXXX for XXXX as I pay XXXX county taxes. If the payments where they were supposed to be at around {$2400.00} per month and the Escrow and PMI was at {$1000.00} per month the amount going to escrow would be about {$700.00} that would be about {$8400.00} per year. This would have left me in a better positon to pay back the shortage. Each time I call Freedom the rep that I speak with gives me different answers. I even had one rep say that the reason its not XXXX is because they added your HOA in the payment and this was a manager. It clearly states the amounts for Escrow and Mortgage Insurance. When I called and spoke with them they act like home owners mortgages go up almost {$2000.00} every day. This is not the way to do business. Now Freedom has added in {$14000.00} for next years escrow to add on to my payments. I did my part and called and made sure the amount was correct and I have never missed a payment and never been late. Someone at Freedom Mortgage clearly made a mistake and they will not own up to it. If there is going to be an escrow account it needs to be closer than {$14000.00}. Something needs to be done and spreading my shortage out over 4 years is not the answer nor is refinancing. There was a mistake made on this loan and it needs to be corrected.

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 2022-03-26
Company: Winklevoss Exchange LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Back on XX/XX/2022 my Gemini XXXX XXXX was frozen for my protection. On Sunday XX/XX/2022 I submitted all required verification identification asked of me to unfreeze my account. I have over XXXX worth of BTC in my account and they are denying me access to it in order to even so much as withdraw it to another XXXX XXXX. They have just completed stopped responding to any type of email or ticket communication with them. They have no way of contacting them via the phone either! It is now 6 days since I uploaded what was asked of me and they have yet to even acknowledge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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: Account status incorrect

Complaint:
I have a mortgage from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late in XX/XX/2019 and 30 Days Late in XX/XX/2019. There was an error on their part. I was never 30 days late on these two occasions.

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 2016-05-22
Company: Audit & Adjustment Co. Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My credit has been unduly affected due to an account not attributable to me. Thus I need to file a report of identity fraud. The creditor is : Audit & Adjustment Co. Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX United States Account number XXXX I have filed a police report as requested by the creditor and I am attaching it to this filing.

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 2015-12-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was able to view my Experian Credit report online and investigate negative information. At this time when I try to enter in my information though experian.com the site will NOT let me view my information. And Experian will not let me investigate my negative information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX XXXX, 2015 I attempted to purchase a 3 in 1 credit bureau report & FICO scores from XXXX for {$39.00}. I tried to authenticate but I got an error message saying I was not able to do so at this time. Error message said my order did not go through, my application for 3-in-1 credit report & FICO scores has not been accepted because there is a problem with the service, and my card has not been debited. Not understanding what the problem could be, I attempted the order process two more times to no availXXXX times receiving the same error message and reassurance that my card has not been debited. Low and behold, my card was debited for each of the three unsuccessful attempts, at {$39.00} a piece, yet I still have no 3-in-1 credit report nor FICO scores.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Thankfully, I read the small print first... These companies, typically found through websites like XXXX XXXX or XXXX XXXX, are taking advantage of consumers. These lenders, i.e. NetCredit, XXXX XXXX  etc., are charging up to 149 % interest or more! As if that wasn't bad enough, it targets consumers, like myself, who are struggling financially already. Many of which whom can't get a loan anywhere else due to their credit history or credit score. It's sickening and frankly, I am appalled that the government even allows this! It is disgusting. This is a serious problem that needs to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have filed this complaint 3 times and they have continually not fixed this issues correctly. The last complaint I received an a letter stating they will fix my credit and report my mortgage payments from XX/XX/2021 through XXXX XXXX.My loan modification was signed in XX/XX/2021 and my first payment was effective XX/XX/2021 and I need for them to report my payments for XX/XX/2021 and XX/XX/2021 as well. I made both of those payments and they need to reflect on my credit as paid and current. This issue is not resolved. Citizens Mortgage is a horrible company and I will never do business with them again! It shouldnt take this many times to get this corrected and they have the information in front of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account listed as an open collections account listed under XXXX in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XXXX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} XXXX discount with XXXX XXXX XXXX ( original creditor ). This left me a balance of {$320.00}. I was told by XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Sequium Asset Solutions for committing identity theft. I have never given Sequium Asset Solutions any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from before they Sequium Asset Solutions committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Sequium Asset Solutions can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Sequium Asset Solutions can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sequium Asset Solutions continues its collection efforts, I will file for litigation for actual damages caused and Sequium Asset Solutions will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, a fraudulent charge of {$1500.00} was on my account. I contacted the bank that day, but no action was taken. I called back the next month and someone correctly fixed it with a credit. 
However in XXXX that credit got reversed. I have spent 20 or more hours calling them and asking for clarification. No one can tell me why they reversed it. I'm not trying to close my account, but can't because it's negative due to the reversal of the credit. 
Basically, the bank won't stand behind their claim to credit fraudulent charges and now are trying to take another {$1500.00} from me.

Company response to consumer: Closed with explanation