BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Fraudulent Accounts : 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 2017-01-02
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My 1st mortgage on my home was originally taken out with GMAC in XXXX of XXXX. GMAC eventually filed bankruptcy and my loan was transferred to Ocwen loan servicing LLC in XXXX of XXXX. I inquired about refinancing earlier this year with a local lender, and when I did it came it to my attention that Ocwen claimed I owed almost {$8000.00} in late charges from when my loan was held by GMAC. I have called a few times to try to have this mistake corrected by Ocwen but they have been less than helpful in getting rid of these FRAUDULENT late charges. I contacted Ocwens records department and had them send me a complete loan payment history for my loan while it was with GMAC. All payments with GMAC that were applied by the XXXX of the month fell under the grace period and should not have assessed a late fee. After going through the payment history from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX the total amount if fraudulent late charges by GMAC amounted to {$7700.00}. I have made a spreadsheet and also have copies of the payment history from Ocwen detailing these records which I will attach to this formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently ran my credit when applying for a autoload and was told that I was not approved due to negative accounts on my credit. When closely examining my report I noticed several accounts that I have never been associated with and never gave permission to run my credit. Someone has done identity theft on me and now my whole credit rating is ruined. The accounts list as follows XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Us dept of vet affairs, 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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX shows an account on my credit file that does not belong to me by XXXXThis is not my account. Also, XXXX, Transunion, and XXXX didnt update my personal information on my credit report. I sent a letter beyond 30 days and the issue isnt resolved.

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 2020-10-26
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/20. This date was the last time of many times they called my parents who are in there XXXX. They posed as knowing me and wanted information about me. My dad asked them questions they couldnt answer so he hangs up. Very troubling for my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Public record information inaccurate

Complaint:
XXXX shows an account on my credit file that does not belong to me by XXXXThis is not my account. Also, XXXX, XXXX, and ExperianXXXX didnt update my personal information on my credit report. I sent a letter beyond 30 days and the issue isnt resolved.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: NY
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:
On XXXX XXXX I sent off letters to all three credit bureaus to investigate. All of them came back as accurate I know they didnt investigate because my credit report still shows different showings on each of 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 2020-10-26
Company: EQUIFAX, INC.
State: FL
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 sent Equifax a certified letter including issues I was having with unverified accounts I never received a response within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. Here are the list of items to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-15
Company: EQUIFAX, INC.
State: VA
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 in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-15
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: Information belongs to someone else

Complaint:
I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. Here are the list of items to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-14
Company: D. SCOTT CARRUTHERS
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a loan for {$2600.00} from XXXX XXXX over 5 years ago which I defaulted on. They sold my account to XXXX XXXX which I had an arrangement set up to resolve my account in 2 payments in XX/XX/XXXX ( I have the email correspondence still ). Mountain Lion ( D Scott Caruthers ) starting contacting saying that I still owed on the XXXX XXXX account. They would harass me at work which resulted in me filing a formal complaint since I asked them multiple times to not call me at work. In XX/XX/XXXX, they started garnishing my wages. They have already taken over {$4600.00} from my paychecks to date. For a {$2600.00} loan ( which was resolved in XX/XX/XXXX ), I have paid back over {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I intially wrote to CARTER YOUNG on XX/XX/XXXX to validate an allege debt that they claimed I owed. I did not receive a response until XX/XX/XXXX, which was a letter stating a denial to provide me with a validation of the debt. Not only did CARTER YOUNG deny me my right to a validation of debt but also failed to provide me the material disclosures within the 5 days allowed, which is a violation of 15 USC 1692g. In addtion I was given false misrepresentation that I owe a debt in a positive balance, as seen in Exhibit A. How can you pay on a debt that is in a positive balance? This is another violation of federal law 15 USC 1692e ( 2 ) ( A ). Also they failed to notate and disclose the XXXX correctly that This communication is from a debt collector. This is an attempt to collect a debt and that any information obtained will be used for that purpose, which is another violation of 15 USC 1692e ( 11 ). Most importantly CARTER YOUNG sent me a cover letter stating that I owe an alleged debt, and referenced an enclosed document sent with this cover letter. This document they sent in referenced into my alleged debt is not even mine. The form shown as Exhibit B is clearly sent from a XXXX XXXX, who I am not nor have any relation to. This is false and deceptive which violates 15 U.S. Code 1692e ( 10 ). The form I initially sent you can be referenced in Exhibit C.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a phone call at XXXX on Thursday XX/XX/XXXX ... caller ID showed that it was XXXX XXXX XXXX ( our bankruptcy attorneys ). A man identified himself as XXXX XXXX, a lawyer with the group told me that he had just gotten off the phone with an attorney representing XXXX XXXX, XXXX of our creditors, and that if I did n't call this other attorney and make a payment of {$780.00}. that he was going to put forward paperwork for me to be arrested and to sit in jail for 30 days, because of a judgment that was filed against me. I had no reason to doubt this person, because as I stated above, caller id was from our own lawyers office ... when I explained that we did n't have that kind of money, he told me to just make the payment and that XXXX would refund us the money because they had missed the judgment. I contacted this other attorney, a XXXX XXXX, he confirmed everything that our lawyers office had just told me. He told me to go to a XXXX/money gram, to take care of this payment or again that I 'd be arrested and to sit in a jail for 30 days. I ended up borrowing {$800.00} from my best friends father, because I was extremely scared and being XXXX I was terrified of being put in jail. I went to a store here in town, in XXXX, CA, and called this attorney XXXX XXXX back so that he could give me the information to send the payment. I did this and gave him the reference number. He told me that the paperwork was going to be pulled and that I would n't be arrested. I tried calling XXXX back at XXXX XXXX, I got the recording that they were closed for the night. First thing Friday, XX/XX/XXXX, I called and tried to speak to XXXX XXXX, only to be told that he no longer works for the firm.. I spoke with XXXX XXXX, he does investigations into fraudulent cases, and that 's when we realized that we had been scammed big time, by someone, XXXX XXXX, that was pretending to work with our bankruptcy lawyers. He had answers for every question I threw at him in regards to our bankruptcy paperwork. After speaking with XXXX XXXX, I was told to file a police report and to file a claim with CFPB. I 've filed the police report and am just now filing a complaint with CFPB, due to issues with the website, which are now resolved. I do have receipts and the form, but I do n't know how to attach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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   had a car loan with   XXXX   XXXX   XXXX  , in  XX/XX/XXXX  the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to   XXXX   causing additional fees.   XXXX   received the payment in XX/XX/XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.
<P/>
For several months a tried to get this resolved, I was told by several customer service reps that   XXXX   does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.
<P/>
 XXXX  poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late,   XXXX   being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX  XXXX Account # XXXX 30 days late on XX/XX/XXXX2019, and 60 days on XX/XX/XXXX2019. 

XXXX. XXXX XXXX # XXXX 30 days late in XX/XX/XXXX2020, and XX/XX/XXXX2021. 

XXXX. XXXX Account # XXXX 30 days late in XXXX 2019, 60 days in XXXX 2019, 90 days in XXXX 2019, 30 days late in XXXX 2020, 60 days in XXXX 2020, and 90 days in XXXX 2020.

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 2022-07-15
Company: EQUIFAX, INC.
State: MO
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:
My requests for proper verification and the erasure of the fraudulent information on my credit reports have gone unanswered despite the several written letters I've sent to the three credit bureaus. XXXX, Equifax, and XXXX Credit Bureaus never responded to the last letter I gave them, which was dated XX/XX/XXXX. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, states that it is not authorized to continue reporting unverified information without any supporting documentation within the time frame permitted by law. Their willful non-compliance has violated this provision. Additionally, the Credit Bureaus disregarded Section 605b of the Fair Credit Reporting Act, which requires them to delete any accounts and information that the customer determines to be the result of identity theft. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can assist me in getting the following things removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Medical XXXX Balance Owed : {$23.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My requests for proper verification and the erasure of the fraudulent information on my credit reports have gone unanswered despite the several written letters I've sent to the three credit bureaus. XXXX, XXXX, and TransUnion Credit Bureaus never responded to the last letter I gave them, which was dated XX/XX/XXXX. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, states that it is not authorized to continue reporting unverified information without any supporting documentation within the time frame permitted by law. Their willful non-compliance has violated this provision. Additionally, the Credit Bureaus disregarded Section 605b of the Fair Credit Reporting Act, which requires them to delete any accounts and information that the customer determines to be the result of identity theft. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can assist me in getting the following things removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX D XXXX CT XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} Medical XXXX Balance Owed : {$23.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2020-03-11
Company: EQUIFAX, INC.
State: TN
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 recently ran my credit when applying for a autoload and was told that I was not approved due to negative accounts on my credit. When closely examining my report I noticed several accounts that I have never been associated with and never gave permission to run my credit. Someone has done identity theft on me and now my whole credit rating is ruined. The accounts list as follows XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Us dept of vet affairs, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation