BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquires aren't correct, and I would like for them to be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This particular issue is with all XXXX credit unions. They have me exceeding the limit with XXXX XXXX however, this card has a XXXX balance. In fact all my credit cards are paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My attorney requested credit reporting companies NOT to allow claims for which companies DID NOT have an original signed document obligating me to pay a debt, specifically intended to stop collection companies who may have bought debts from posting incorrect or inaccurate information. See attached report posted to my credit report which has a negative impact on my credit.

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 2022-11-07
Company: CCS Financial Services, Inc.
State: MI
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 was never late on the above listed account. Please show me in documentation showing proof of this transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from all of my credit reports per 15 USC 1666b. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XXXX, I purchased a foreclosed home from Green Tree Services in the amount of {$47000.00}. My mortgage started from {$420.00} in XXXX and is now {$1100.00} effective XXXX. The home was built in XXXX and is deteriorating. I 've been trying to refinance and obtain some of equity ( approx. XXXX ) to make repairs. Green Tree continuously expressed to me that I did n't qualify for a refinance and they do n't do them based on the type of " Loan '' not " Mortgage ''. They said the type of mortgage I have is a " Credit Sales Account '' at 10 % interest. I have been making out of pocket repairs and now the home requires, a roof, painting, heating/cooling etc. in which I have mentioned to Green Tree Servicing over the years. They just kept telling me I did n't qualify for a refinance to take money out for repair. Finally, I was contacted by XXXX XXXX and they which went through the full process of qualifying me for a refinance, processed all document ( title, taxes, etc ). The final approval was based on the home appraisal that failed due to the required repairs. Green Tree provided false information about me qualifying for a refinance. Now I am stuck with this home, stuck in this loan, being denied modifications, deed in lieu of foreclosure option, etc. Green Tree deferred a few payments and then added approximately {$10000.00} onto the loan. My Green Tree Loan initiated in XXXX XXXX for {$47000.00} and the payoff balance is approximately {$45000.00} in XXXX. Can someone explain this? Where did all of my money go to? I received a notice from Green Tree Servicing, now know as Ditech Morgage that my home has been submitted for " Foreclosure '' They are awaiting a date. I feel like a predator. I paid money into this home almost ten years with the balance increasing every year. Now they want to take my home, sell to someone, possibly a member of their company to pull out the equity, make repair and sell it again. Please assist. I 'm a victim her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called XX/XX/2022 to have some false information taken off of my report and this company refuses to remove these inaccurate closed accounts and inquiries from my report. I am also currently taking action for a lawsuit

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 2022-11-07
Company: SUNRISE CREDIT SERVICES, INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My account from XXXX XXXX XXXX was terminated because I ordered a replacement for phones that I didnt receive cause the truth they was being stolen from my front door so that ended up me calling to tell them I didnt received the phone when they terminate my account I had a balance of XXXX that I owed including the phones that I never received was like XXXX and now they send me a letter saying I have to pay them XXXX when its not right and Im not in the United States right now because some family problem my mom is sick and Im taking care of her

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 2016-09-11
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX Inquiry XXXX XXXX, 2016 is on credit report. was told this would not be a hard pull on my credit and they lied. it goes against my good credit score. would like removed. I have told this company that i am mentally challenged and on my bad days i ca n't even remember my first name. I would like this company to fix their mistake and take this off my hard pulls on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage services seterus made a mistake with my county tax escrow account. I received the letter saying my regular payment was gona go from XXXX to XXXX in XXXX. I immediately called and corrected there county tax info they did another escrow analysis. the new payment actually was now XXXX for XXXX.. They refuse to change my payment and say if you do n't pay the amount they will foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
tried to update and remove incorrect addresses from equinox credit report. my requested changes do not get incorporated and feedback is cryptic and not understandable. 
specifically, i 've never lived on XXXX in XXXX in my life!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has inaccurate information and accounts that were closed out years ago causing my credit score to drop by XXXX points. 
the other XXXX agencies are accurate and Equifax refuses to fix anything. 
i have disputed with them and it only lowered the score even more. 
the accounts in question were closed with no delinquent payments owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a report of collection for {$100.00}. The debt collector is listed as XXXX XXXX. The original Creditor is listed as XXXX and XXXX XXXX. I have not had an account with this creditor, and have never received literature regarding this debt from the original creditor or the collection agency listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: Personal information incorrect

Complaint:
i have contacted the 3 credit bureaus XXXX, experian, XXXX by phone numerous times last month in XXXX, XXXX, and XXXX of 2022 and asked them to remove several addresses that are not my addresses i even tried requesting they remove them on line also, and i also have let them know i have the right to privacy ( 15 usc 1681 ) and to have accurate information reporting they are violating so many laws and denying me my rights

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 2016-06-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan got sold again ( 4th time in less than 3 years ). My current provider is Ditech and was sold to XXXX XXXX. Per notification laws, I am to be notified 15 days prior to loan change. The letter dated XXXX XXXX, 2016, was not recieved until XXXX XXXX, 2016. This leads to only a 9 day notification. Mortgage companies should be required to account for delivery of letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit report the account with XXXX XXXX XXXX was opened XXXX/XXXX/2008. As of today this has not been removed from my credit report. The XXXX clock starts ticking XXXX days from the date ( month and year ) of the first missed payment that led to charge off, collection, foreclosure or repossession. 
" The XXXX ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX has deemed account to be fraud and Equifax refuses to remove it even though I uploaded the documents XXXX XXXX sent me stating account was found to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. You agreed to a " pay for delete '' and you have not removed the account from my profile. You have received FULL payment and need to remove the collection from my account as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Security Credit Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter from Security Credit Service in reference to Account Number : XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. For a debt they say I owe that they have not validated. I send them a certified letter asking for proof that this debt is mine and they have failed to respond, it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My county property taxes were raised to about twice their normal rate because the county assessed my property to not be primary residence. Greetree - DiTech paid the taxes for two years without notifying me of the raise. After about a year, they hit me with the bill, raising my monthly payment by {$200.00}. I continued to try and make payments at the new rate and got the money refunded from the county of around {$2800.00} in two payments and sent it in. It took me 5 months to get them to revert the excrow back to the lower rate and even then they still said I owed {$640.00} in back escrow. How can I still owe more if I paid it back and the rate went back down and I kept up on payments. My payments wo n't revert to the new rate until XX/XX/XXXX and I 'm still paying {$200.00} over my original rate. Where is all of this excess cash going? I thougt I should have {$1000.00} or so coming back to me, but they tell me I owe {$640.00} and I 'm still paying at the higher payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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 information incorrect

Complaint:
XX/XX/2022 Called XXXX to understand what they are referencing when they say too many accounts open, too short a credit history and late payments. None of that is true. 
What I was told when i pressed the agent about how many is too many accounts and believe it or not she said 'my understanding of too many is more than one '. I remain flabbergasted one day later. These folks sit in judgment and clearly enjoy having this control over the general public. 
XX/XX/2022 Called XXXX, had a much better experience and they explained that i had a {$120.00} balance due with XXXXXXXX XXXX. I explained what happened ( wire transfer didn't go through as planned ) and the agent was understanding and said she would note the reason. I asked about all the other derogatory information such as too many accounts open and not enough credit history, she was far less able to answer these inquiries but offered to send me via mail my credit report. 
saved the most egregious for last : TransUnion. You would not believe what I heard from their expert. XXXX claimed she was the manager. She told me point blank, " we are not experts ''. I am appalled. They are reporting on very sensitive financial documents that directly impact my credit worthiness and directly impacts my new mortgage. This is truly a travesty. This system does not work and needs an overhaul. I don't say this lightly, I feel victimized.

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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 previously disputed with TransUnion, XXXX and XXXX  on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information. Please reach out to them.

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 2015-11-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Documentation that this is NOT mine. 
They replied twice that they have verified that it is mine. 
I have a letter from the collection agency ( that I sent to Equifax ) that states the docket is NOT mine and Equifax still says it is. 
What can I do?? 
XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXXAll other agency 's have removed it all ready.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed the accuracy of the payment history and past due amount being reported for my child support. The bureau claims to have verified the validity of the debt. I sent in supporting documents showing that the information being reported is inaccurate. The inaccuracy of the payment history and balance on this account has caused my credit scores to either come to a stand still with XXXX credit bureau and decrease with the others. The documents that I sent came from the courts as well as my check stubs showing the amount of child support being debited from my check weekly. This has caused a serious financial hardship on my credit with potential lenders. I am in the process of getting ready to apply for a mortgage and the inaccuracy of this account is causing my credit scores to decrease. My monthly payment amount is actually {$850.00}. {$190.00} of which is taken out of my check weekly. I will attach the documents sent to the bureau. The child support is listed at other deduction XXXX on my check stub. Looking at the year to date amount and the month of the stub divided by the amount owed, I am up to date with my child support.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently signed up for XXXX XXXX service. Upon checking my Equifax credit report I found that XXXX issued a hard credit inquiry without asking for my permission. I would like to file a complaint for this unauthorized action and ask that XXXX take action to remove this inquiry removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have tried to get credit this is a account that was not mind. I think it must have been a accident that this error occurred.

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 2018-06-28
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Southwest Credit is continuing to attempt to collect on a debt that is a result of identity theft. I have mailed several request because they told me they don't have a fax number but they deny receiving anything. I'm now asking you to help me resolve this matter. i have saved and will upload information for your review.

Company response to consumer: Closed with explanation