BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
For the past 2-3years I have being disputing to charge off account on my credit report. I filed several disputes with transunion and XXXX everytime the dispute results come back verified. Either company investigated my dispute for XXXX XXXX  XXXX  or acceptance now. I did the investigation on my own and acceptance now couldnt provide me a contract to validate the debt plus it was an insurance claim on it. After several calls threaten to sue they removed the inaccurate information that been on my report for 6years and XXXX wasnt about to provide the full contract to validate the either they sent me some of the pages and the past due amount they been reporting on my credit for past 6 years was incorrect. I spoke to a supervisor with XXXX XXXX  XXXX  and I was told that they credit reporting department has been down since 2020. Im in the process of buying a home so I made a settlement on that account for XXXX but I was during that conversation that my past due amount was XXXX but XXXX had been reported for the past 6 years and these credit reporting companies are allowing inaccurate information to be report on my credit and other consumers credit reports. Something need to be done about these companies ruining people lives for debts that not being reported correctly and them not fully investigating the issues because these lenders that are reporting pay them and the consumer not so they dont really care if the information is correct or not they just want to make money and destroy lives because everything is basic on your credit. Please hold these credit reporting companies accountable for their actions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
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:
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. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/2017 Balance {$990.00}

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 2021-04-24
Company: Mr. Cooper Group Inc.
State: NY
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:
My mortgage company Mr. Cooper made a fraudulent unauthorized ACH charges to my XXXX XXXX XXXX XXXX  account in amount of {$2400.00} 6 times for a total of {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX i notice s0me unauthorized inquires on my Transunion Credit report i called Transunion and talked to a Agent and disputed these Inquires but it came back verified, these are are fraud inquires did not do them 4inquiries These lenders have accessed your credit file : XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX date XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 1public record

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 2022-08-08
Company: EQUIFAX, INC.
State: CT
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
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 information incorrect

Complaint:
XXXX XXXX is currently reporting lates on my account that are inaccurate. I filed a skip payment for the month of XXXX. I should NOT be showing any lates on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint today to follow up the previous complaint I submitted on XX/XX/2022 requesting the Credit Bureaus to delete the dispute items. I have been asking for the Credit Reporting Agencies to provide me copies of proof of verification which until now, they have failed to do so. Under the Fair Credit Reporting Act, the Credit Reporting Agencies must correct my Credit File by either updating the disputed accounts to turn possitive or by completely deleting the dispute accounts from my Credit report. Once again, I am requesting that the Credit Bureaus remove the following disputed erroneous accounts completely from my Credit Report as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Card Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX 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 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 2022-03-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We have not received any valid response from Specialized Loan Servicing LLC or XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Not In Its Individual Capacity But Soley as Trustee to our requests for Verification of Proof of Claim. SLS responded to our requests with incomplete and inaccurate information, provided a questionable Assignment of Deed of Trust recorded with XXXX XXXX XXXX XXXX XXXX by claiming to have Attorney-In-Fact status from XXXX XXXX  XXXX on XX/XX/XXXX as proof of claim to be the rightful owner or Holder in Due Course of our Promissory Note which we signed with XXXX on XX/XX/XXXX. 

We are troubled that potential fraudulent and deceptive practices by unscrupulous mortgage brokers/servicers in the sales and transfers of mortgage servicing rights may have occurred. We believe that photocopy of the documents is insufficient proof as it does not answer the question of who is the CURRENT rightful and lawful Holder In Due Course, nor claiming to be the the holder in due course as a statement is insufficient proof of status.

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 2020-08-23
Company: Bridgecrest Acceptance Corporation
State: NV
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I also understand that the credit bureaus have been allowed and additional 15 days to investigate, and yet still have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXXXXXX XXXX are trying to say I owe them {$430.00} because they lost income because I moved out without proper notice. They sent my debt to National Credit XXXXystems and now my credit score went down. I do not owe them any money. I have signed documents from the apartment manager saying I will move out per my leave. I also got another housing voucher from XXXX XXXX XXXX XXXX because I moved out and couldnt stay month to month. 
Attached it my request to move form that was signed my apartment manager saying I moved out XX/XX/2021. Also attached is my payment history where XXXXXXXX XXXX gave me a move out credit. For two months after my lease ended XXXX XXXX tried to collect rent from XXXX but it was reversed because I no longer lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Section 605b of the Fair Credit Reporting Act requires bureaus to block from display, all items received that are fraud : 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of I have disputed a number of items of fraud after my identity was stolen ... ALL these items remain on my file. They are as follows : XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX of MO ( 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 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan  with DITECH.  I applied for a loan modification  XXXX   XXXX . I was approved for a trial modification in  XXXX   XXXX . I had to comple te four ( 4 ) t rial payments by  XXXX   XXXX . I completed my trial payments in  XXXX   XXXX  bu t DITECH has not sent me anything in writing regarding the approval of my loan modification. I was advised by my account rep to continue to make the trial payments because the modification docs are not " ready '' ; however, I have not received any documents or anything in writing from DITECH assuring me that my modification has been approved. Even though the trial period is over DITECH continues to report negatively to the credit bureau they also continue to do collection calls and I have to keep reminding the DITECH representative that I 'M IN A MODIFICATION PROCESS. But it always seems like no one knows the status of my loan modification, and they refuse to put anything in writing! ... its like they are waiting to send me to foreclosure. Why is it that they do n't have to put anything in writing during this process? I 'm just trying to keep my home but it seems like my lender has no interest in helping me do that. Please let me know what I can do to get something in writing from DITECH regarding my modification status

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a business where we XXXX XXXX classes, approved by the Texas Department of XXXX XXXX XXXX, to rural XXXX services in the XXXX Texas area. We created a business PayPal account so we could try to keep up with the times and accept payments for tuition for these classes electronically since most people dont like using cash for this. I entered all the info required for 1099 so we could report the income to the IRS. The way out classes work is we accept tuition on the first night of class. So while we dont constantly receive money, we receive about XXXX once or twice a year from this. I set everything up with the account and everything was fine with no issues at all. Class then started and on XX/XX/XXXX I sent out three invoices for tuition which were then paid. On XX/XX/XXXX, we got an email that I need to verify our name, drivers license, and that we needed manufacturer receipts showing what products we were reselling and until that was submitted, our account was limited. I immediately contacted PayPal business by phone and informed them we dont sell products, but rather a service, as stated when we originally created the account and submitted everything else they asked for the same day. I was told it would take 48 hours for a decision but it the limitation would be removed. On XX/XX/XXXX, we got an email where it states we have been permanently banned from Paypal because of potential risk. I again contacted PayPal and tried to explain and offered to send them the paper from the Texas Department of XXXX XXXX XXXX. They stated they were going to file an appeal to have the decision to permanently ban out account reversed. We spoke to a supervisor who also assured us of this. We then were told to wait and were told they would place a hold on the XXXX in our account and we could not remove or touch it for 180 days and our account would still remain permanently banned. They were supposed to email us the final decision of the appeal but they did not. I am fine with them closing the account and will find another place to have my business account but I would like the money they are holding to be released back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
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: Account information incorrect

Complaint:
During the month of XX/XX/XXXX I was made aware of an attempt to collect a debt on my credit report. 
XXXX XXXX, XXXX Credit ID : XXXX Credit Account # XXXX  XXXX Comment code : FW reports that I have an account with them and I do not. This was falsely placed on my credit file over 3 years ago and was successfully removed once already. 
The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with XXXX   or XXXX XXXX, therefore there is no change to account #, or amount of debt because I've never had any business with XXXX and this has been taken care of once already. 

This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They have no proof of this being a debt of mine. I was a victim of credit fraud and it has been well documented. This is a clear violation of the Fair Reporting Act. I would like the CFPB 's help in correcting this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
We signed up for Unemployment on XX/XX/2020 and we should've received a Debit card in the mail maybe a week later but its XX/XX/2020 and we still havent seen a card we have talked to XXXX where we signed up and they told us to talk to www.goprogram.com or Way2go and the customer seivce wont pick up and we saw that if we have questions come to this website and thats where we are

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They threating to call me everyday, And also keep calling my wife 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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 countless attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 listed items below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXXBalance : {$4100.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; 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 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 non-monetary relief
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I do not authorize any of these inquiries on my credit report I would like to get every inquiries removed from my credit report my identity have been stolen

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