BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Itemspassed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 2022-10-21
Company: Experian Information Solutions Inc.
State: NC
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 ANOTHER 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 items 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 items : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XX/XX/2021.

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 2016-11-25
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Servicing of my mortgage was transferred from XXXX ( XXXX ) to SLS ( Specialized Loan Servicing ) as of XX/XX/2016. Before the transfer of servicing, XXXX paid my first half county property taxes from my escrow account. On XX/XX/2016, SLS paid my second half county taxes, which should not have been paid until XX/XX/XXXX, from my escrow account. This resulted in an insufficient escrow balance from which to pay my homeowner 's insurance bill ( due XX/XX/XXXX ). After calling SLS and discussing my options, I felt it was easiest to simply add additional moneys to my XXXX payment to bring my escrow account balance up to cover my homeowner 's insurance premium. However, SLS neglected to apply the additional funds to my escrow account and proceeded to apply them to my outstanding principal balance. I phoned SLS on XX/XX/XXXX and pointed out the error. I was assured that the error would be corrected and the funds would be correctly applied within 2 business days. On XX/XX/XXXX, the error had not been corrected and my monthly escrow payment had been increased by 50 % due to the 'shortage '. I repeatedly tried the customer service numbers available to me on the SLS website and every attempt to speak to a representative resulted in being disconnected. After finally managing to speak to an individual ( XXXX ) via the number for the SLS insurance department, I was transferred to XXXX in 'Executive Services '. XXXX simply told me he saw that someone had made a request to correct the error, but he was unable to actually do anything to correct the problem because it had to be done by the 'Cashiering ' department. He was unable to provide a number for said department or contact them directly and expressed no regret or inclination to help me beyond repeating what the previous representative had told me a week earlier that the funds SHOULD be correctly applied in 2 business days that and I would receive a new escrow analysis within a month.

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 2022-10-21
Company: EQUIFAX, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXBalance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested itemized receipts / bill of the entire due amount but as of today, did not receive it. Could you please send me these documents to my mailing address? I only received an account XXXX but have not received any other bills or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: MT
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:
I have five credit cards open with XXXXXXXX XXXX  listed below. These five credit cards have not reported since XX/XX/2022. I have paid down balances entirely on all of them except the XXXX XXXX XXXX- where I have paid the balance down about {$400.00}. This is not reporting on my credit and when I submit a dispute, I am only allowed to submit one at a time. I still have no reply from the company. This is accounting for thousands of dollars on my credit report- and I have closed the XXXX account and it its still reporting as open and carrying a balance. I can't seem to reach this company and have had no reassurance that this issue will be solved any time soon. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Capital Markets Cooporative, LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016, I remitted mortgage payment on-line in the amount of {$5000.00} due XXXX XXXX. On XXXX XXXX, the loancompany CMC Funding had not posted my payment. I called in and inquired and they said they were behind with mail and processing due to XXXX holiday. I verified with my bank, that the payment was received electronically by CMC Funding on XX/XX/2016. I opened up a written complaint with CMC funding asking for verification that payment was posted and that I was not charged extra interest due to their late posting. I filed another written complaint on XXXX ticket # XXXX and still have not received a response. I called the XXXX number today, XX/XX/2016 and inquired of the status. The woman listened to part of my concern and then she hung up on me and has not called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: MD
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 XXXXL, # XXXX, XXXX XXXX, # XXXX. 
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 without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: BARCLAYS BANK DELAWARE
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:
I have submitted disputes and proof that someone has been using my personal information to obtain goods and other services in my name without my consent and Ive reached out to each creditors and no resolution of any on all my complaints. There are credit cards on my accounts and other items that are not mine.

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 2021-01-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
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:
i just got this account deleted from my credit report. HOWEVER it was on my credit report with WAKEFIELD & ASSOCIATES! But because the collection agencies are so CORRUPT, they deleted it because they HAD TO! They just merged with Revenue Recovery CORPORATION and put it back on my credit report under the merging companies name!!! Which is REVENUE RECOVERY CORPORATION WHICH IS A VIOLATION! This account was already deleted because it COULD NOT BE VALIDATED! THIS IS A VIOLATION!!!! YOU CAN NOT PUT THE ACCOUNT BACK ON MY CREDIT REPORT UNDER ANOTHER CORPORATIONS NAME AFTER IT HAS ALREADY BEEN DELETED BECAUSE YOU DID NOT VALIDATE IT!!! THIS IS A VIOLATION AND FRAUD!!!! Nor have i ever heard of REVENUE RECOVERY CORPORATION! Who are they?! I the CONSUMER have never done business with or signed a contract with this CORPORATION! IT IS A VIOLATION FOR THEM TO FALSIFY ACCOUNTS ON MY CREDIT REPORT! ITS ALSO A VIOLATION FOR XXXX  TO REPORT FALSE ACCOUNTS ON MY CREDIT REPORT WITHOUT PROOF OF THIS ACCOUNT BEING VALID! THIS IS A VIOLATION! AND FRAUD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: GA
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. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US XXXX # XXXX, US XXXX # XXXX 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 without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is 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 2022-10-12
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:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) - if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) - if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information.

( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

The 11 accounts named Dept of Ed/XXXX with acct # XXXX was removed from my XXXX report because of inaccurate information that was being reported on XX/XX/XXXX. I contacted XXXX & TransUnion multiple times to get this information updated but stated the accounts came back as verified. This specifically violates my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ). CFPB Complaint # XXXX for reference of deletion. 

XXXX shows : {$35000.00} XXXX shows : {$0.00} TransUnion shows : {$35000.00} XXXX was suppose to report this information to the other 2 bureaus Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) and by Law XXXX XXXX TransUnion violated my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) wish states all inaccurate information is to be deleted upon notification. 

On XX/XX/XXXX I notified TransUnion and XXXX through the CFPB both companies. 
XXXX Complaint ID : XXXX TransUnion Complaint ID : XXXX This can be tailored to XXXX Complaint ID : XXXX ON 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 2022-10-21
Company: GLA Collection Company, 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:
There are medical debts from GLA Collections Co Inc showing on all of my credit reports such as with XXXX XXXX, XXXX, and XXXX. This medical debt does not belong to me. I have tried in vain to get this corrected with the credit reporting agencies via proper disputes, but no appropriate action was taken. As per the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws it is in violation of my rights to have inaccurate and medical information appearing on my credit file such as debt that is alleged from a hospital. This is also, in violation of my medical privacy as per the Gramm Leach Bliley Act as this debt is not mine and I have not given consent for any establishment to share medical data pertaining to me. Furthermore, this is a third-party collection that I have no contract or relationship with and is not obligated to them. I seek expeditious removal of these erroneous items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I are attempting to purchase a home that is set for auction XXXX XXXX. Both the seller and her attorney have made multiple attempts to get in contact with OCWEN to let them know the house IS UNDER CONTRACT and to request a foresclosure postponement so that we can close. What has been relayed to me is that her attorney has basically given up because he ca n't get in touch with anyone to discuss these issues. The homeowner is TRYING to sell her home to get out from COMPLETE financial ruin, but can not get in touch with her servicer to TRY to remedy the situation before auction. Come to find out yesterday that although we have a signed contract for a stated price, she has been billed/fined by OCWEN another {$4000.00} for what, I ca n't tell you. From reading other posts, it appears erroneous fees and charges are just tacked on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts specified below continue to report on my credit report despite the previously sent letters, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau last XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not confirm this account. Please follow the law so that this situation can be settled quickly. XXXX 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 explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: NC
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 4TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-11
Company: Alliant Capital Management LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
they continue to call me at work threating to send me to collections. I have checked my credit report and I do n't see this debt listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-21
Company: EQUIFAX, INC.
State: NC
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 4TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This complaint is being filed cause sometime in  XXXX  i realized that my card was missing and i reported it to discover. They never credited the fraud charges so i was waiting for the credits to be done on the account. Today i called in and they had never flagged the fraud charges and i am being reported to the credit bureau for 30 day late payment for  XXXX   2017. I ha ve contacted them and been transferred to several departments and to no avail been able to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Credit Karma, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit karma falsely told me I had been pre-approved for credit offer leading me to apply and incur a hard inquiry on my report only to get denied and damage my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Since the beginning of XXXX I have reached out to Lexis Nexis multiple times in regards to my public record bankruptcy. I have sent several letters stating that the bankruptcy needs to be removed. Lexis Nexis is reporting in accurate information per the bankruptcy court. I have provided a letter to Lexis Nexis multiple times from the Bankruptcy county clerk stating that my bankruptcy was not reported to the credit bureaus.

Company response to consumer: Closed with explanation