BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-12
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:
This notice is to inform TransUnion that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. Fair Credit Reporting Act ( FCRA ). Provided me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized these accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove account immediately from credit report with TransUnion. TransUnion reinsert fraudulent accounts on my consumer credit file. Reinsertion under the Fair Credit Reporting Act ( FCRA ) means that TransUnion has started to again report inaccurate information that was previously disputed by my consumer report and deleted by TransUnion and others from my consumer 's credit file. I did not receive the 5 day written letter stating the account was reinserted to XXXX XXXX account XXXX, XXXX XXXX XXXXXXXX. 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. A Consumer reporting shall block the reporting of any information in the file of a consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete accounts from my consumer report immediately. Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card and FTC identity theft Report. I don't want to have to file a lawsuit against TransUnion.

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 2016-02-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
It seems like they want to make money, ( they being Experian, XXXX, XXXX ), and do not reveal the credit score without a payment. Additionally, they offer options for disputing incorrect information, adding them to a cart ( beyond archaic from a technology standpoint ), and then tell you they ca n't dispute them -- more roadblocks to people learning what is being kept about them on file. Lastly, one offered all the ability to dispute, and once clicking on that action, it locked the account and said I now need to call a number, undoubtedly a maze of deflection of lack of staffing a call center. I work in technology and can tell you this is not only a ridiculously inept implementation of an online service, but so much so that it feels deliberate, and only something a monopoly or someone with guaranteed business can get away with. As a company in charge of incredibly personal information, this is entirely negligent and careless, and additionally, opportunistic where it should only act as an agency of record. None of them should be allowed to handle such information, or be able to operate in this country.

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 2020-04-13
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX My ID via drivers license is attached

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 2017-10-13
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchase my house on XX/XX/XXXX, my first payment was due XX/XX/XXXX I signed up for the auto pay for the XXXX of every month, XX/XX/XXXX pass the money was still in my account I had to mail in my payment they charge me a late fee, before closing I chose XXXX XXXX XXXX and someone switch my company I complained about that and I got a refund my mortgage payment is set up all included house {$560.00}, mortgage insurance {$73.00}, escrow {$210.00}, {$850.00}, monthly so when I got my refund from the insurance company I purchased XXXX XXXX homeowners insurance out of my pocket not included in the mortgage payment my mortgage payment should be {$700.00}, LOANCARE LLC, is  charging me {$850.00}, and taking my money out of my escrow account every month and I get threatening letters, falsely accused like I 'm two months behind on my mortgage payment delinquent notice every month and they charge me late fees and Its on my credit report {$110000.00}, I have contacted them by phone numerous of times they say one thing on the phone and then here comes the mean letters my mortgage was sold to this company and they said they 're taking my escrow money for homeowners insurance I have insurance.

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 2020-04-13
Company: Experian Information Solutions Inc.
State: CA
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$130000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS.

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 2020-04-13
Company: EQUIFAX, INC.
State: AR
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 the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This dispute is in regards to Experian 's reporting of a late payment on my account from XXXX XXXX. XXXX Bank acknowledges now that my account was never late due to an address change, following which they failed to send the statement to me. I have disputed this late payment with all XXXX credit bureaus already, XXXX of which have removed the item from my report. However, this incorrect information has not been removed by Experian, and I have not been able to contact anyone via the phone for assistance. The information has been corrected already with XXXX and XXXX and I expect the negative information to be removed from my credit report immediately.

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 2022-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Fwd : LOSS MITIGATION LIABILITY Thu, XX/XX/XXXX XXXX pm XXXX To XXXX XXXX Sent : Thu, XX/XX/XXXX XXXX pm Subject : LOSS MITIGATION LIABILITY Dear XXXX XXXX, This is to inform you of the progress we are making with Bank of America. 

The Company Bank of America is claiming it has no Liability in reference of the mishandling of this Loan during the XXXX XXXX. 

We are going to face the Foreclosure of this Property and sue Bank of America for Fraud, just like we did with the twin property number 1, at XXXX XXXX XXXX in XXXX. 

The Justice Dept. ruled in our favor, resulting in Principal and Interest reduction as compensation for the financial injury we suffered during that Crisis. 

Thank you, 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 2020-04-13
Company: Garcadia Financial LLC
State: UT
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:
Foursight capital - XXXX - They recently did a new update XX/XX/XXXX to reflect my account being closed, which this significantly dropped my credit scores. This account was already paid and CLOSED XX/XX/XXXX ... Why they did a new update XX/XX/XXXX like it was a recently closed account is beyond me. But it has affected my financing now. 
Closing a good account is the most damaging thing you can do! NOw I am going to be homeless due to Covid and you are the reason for my scores dropping. 
I need you to put the dates back to XX/XX/XXXX and fix the account or delete it from my credit because you are absolutely reporting accuratley!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Continental Finance Company, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account appeared on my credit. After multiple attempts to remove, company continues to add account back to 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 2017-05-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
This is m y 2nd complaint about this and nothing was done the 1st  time. I am including the copies of my letters as well as the proof from my credit report. This complaint is against all  XXXX  bureaus for different reasons, which are listed below. My identification is attached as well.      Secti  on ( 609 ) Rules of Reporting : Section ( 609 ) of the FCRA is a Consumers Disclosure section which is to provide for the prot ection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to prove an account is mine. To positively prove an account is mine, the creditor must provide the credit bureau a copy of the original creditors documentation ( whatever I filled out and signed upon opening the account with the reporting creditor ).     The FCRA was enacte d by Congress to pr otect consumers from unverifiable accounts and information from being reported on my credit report. Without documentation, the credit bureaus have NO right to list my personal financial information on my credit report. The credit bureaus are required by law to verify and validate every single account on my report.     Experian : they are reporting the wrong filing date - this was not filed on the  XXXX  of the month. They are also not reporting the accurate name of the court.       XXXX   : They are reporting a filing date that does n't belong to this CENTURY! See my credit report attached. The docket # is incomplete. The court name is inaccurate, incomplete as well as does not include the city or state. They  have " A '' for t he liability amount.       XXXX   : Wrong date filed. Was NOT the  XXXX . Incomplete docket #. Not reporting city and state for the court. No liability listed.     I 've already gotten my attorney involved and have made complaints individually against the bureaus with the attorney general for this matter. They are required to go beyond the original source of info to make sure that what they 're reporting is accurate. They have n't done that. They 're required to physically possess the documentation to verify their reporting is correct and sectio n 609 pro tects me against this reporting.     See proof attached.

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 2023-01-12
Company: Holloway Credit Solutions
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have health care insurance I assume they had paid my medical bill but after a follow up contacting them and insurance company I spoke with them and they are paid they paid the amount of bill but she said the company they used charged me {$600.00} this whats left after insurance paid over {$1700.00} dollars. Reporting agency has not or will not update status until the receive from me {$600.00} XXXX XXXX wont pay leaves me on the hook for {$600.00} because XXXX XXXX only received the amount owed on bill I have XXXX XXXX  insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score from Experian consistently ( for years ) VERY different from the other 2 agencies : XXXX  and XXXX.

For example right now my credit score are XXXX at both : XXXX  and XXXX. and only XXXX at Experian ... .. 

I have contacted Experian by phone many times about it ( because there is absolutely no way to do it on their website ) with no results. 
They are just ignoring me every times I call. 

Experian representative always are not willing to discuss anything when I am saying why my score are XXXX! points lower with you? They are saying : " everything is correct on our side ''. 
How it can be such a huge difference for years?! 

Please help because it seems like Experian thinks they are above the law and don't need to explain or fix anything to a regular consumer but ... we are country of Law! 
Please help me. 
Thank you very much. Respectfully 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 2016-02-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Contacted Experian after getting a credit report from XXXX XXXX showing my Social Security Number for only their credit reporting agency was completely wrong. This caused a lot of negative reporting items to show up on my credit report and is keeping me from closing my loan. I sent proof of social security and my identification as well as a form from the social security administration. They claimed it would be taken care of immediately. I have been trying to get it resolved since XX/XX/XXXX. My loan is clear to close and still it has not changed with Experian and I am not able to close my loan. this is causing me financial distress. I have called in to Experian and have had my loan officer as well and each time they claim it will be fixed. When I asked them to send me proof its been changed they tell me they will send it and never do. I need this resolved right away!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a mail from Debt Collector ( Portfolio Recovery Associates, LLC ) stating I owe a debt of {$370.00}. I do not own this debt. Requested that debt collector provided signed agreement that I owed and agreed to pay this debt. Debt collector has refuses to provide signed agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX account number XXXX, have 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 2016-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report contains 90 % false information. the only accurate report is my Auto loan from XXXX. 

I have an identity theft problem since 2013, and ca n't seem it get the accounts removed.

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