BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: Justice Finance Company
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/20 justice Finance in XXXX XXXX tx disclosed my account information to someone who is not authorized on my account the company refuses to stop and calls my references and let them know my payments and account details and calls another office asking about me when my account is current

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax continues to show a report in existence, but no data in it is accessible to consumer, other reporting agencies, creditors or anyone else. No security freezes, locks, or other such restrictions are in place. 

Company 's response consists solely of stated bewilderment, with no attempts to correct, in defiance of authority of CFPB and US government. 

My access to Equifax is thru XXXX, and they can not access the data needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute in regarding to a Bankruptcy Record on my credit report for Experian. The report # is XXXX. In accordance with 15 U.S. Code 1692g - Validation of debts. On XXXX Experian concluded it's investigation as " Updated '' without providing any information of verification. Please see the attached letter from the courts stating that they do not provide information to the credit bureaus. I have also attached a letter from XXXX XXXX ( XXXX XXXX ) who stated that they had deleted this erroneous-unverified 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 explanation
Consumer complaint received 2020-09-27
Company: EQUIFAX, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have discovered someone is misrepresenting their selves as myself and has used my deceased veteran fathers VA home loan and pension to live the lifestyle they stole from me, that my father saved for me to not have any worries, since he and I were kept apart for reasons I have gotten different mixed messages. But my mother told me that my younger sister got approved for her VA home loan thru her deceased fathers military history and my sister failed to do the leg work, now all of a sudden she has a home thru the VA and my mother claims her XXXX pays for my XXXX year old baby sister has a {$180000.00} tuition at XXXX in XXXX Florida, that supposedly our mothers XXXX pays for. No I have discovered recently through the 3 credit reporting agencies that I am a victim of true name fraud. I confront my mother and sister, my sister says she would testify and my mother claims she collects XXXX monthly which is what I am suppose to be receiving myself thru SSA per the manager on recorded line and my sons father. My mother has been collecting a XXXX deposit into my minor sons name at XXXX XXXX since XX/XX/XXXX the month after me and the father returned full custody and rights to myself, so my mother should never have opened an account with XXXX XXXX for my minor son, on top of all that the only settlement I would of got from my sons father in XXXX for support in the amount of XXXX was allegedly already collected by myself which never happened. There is multiple illegal activities under financial misconduct on all three people mentioned above. Once our stimulus checks were labeled XXXX I knew immediately some kind of XXXX scheme against me, as I am the oldest with a different father who was in the XXXX XXXX XXXX, and I have a mortgage in my name I am now aware of yet not until the letters from the credit reporting agencies started to come in the mail, offering free credit reporting, yet I can't get past the entry questions they claim that the info I provided does not match the credit file they have on me. So I as me knowing sure as XXXX what I have and haven't done should not have been blocked. My renters history for all the apartments I have rented with perfect rental history is in my sisters name or my sons fathers name. I paid my own rent and these people family or not are involved in federal level misconduct. I want to prosecute, being me and the son he demanded I never tell was his, has had to struggle as others live our lifestyle one we deserve. I have auto loans and student loans in my name I have never used. applications for credit cards, I never trusted to have one all the way to the age of XXXX and I applied to one I actually got my first time trying, yet the credit file indicates I have tried 11 times. So for a minor to get a deposit from the TREASURY DEPARTMENT with the same code as all the recent stimulus checks, there is a story to be told, yet with all the in between answers my instincts can not research or prove. PLEASE HELP US

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX XXXX- Amount : XXXX According to 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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: Account status incorrect

Complaint:
XXXX XXXX XXXX- Amount : XXXX According to 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 states that a consumer reporting agency can not furnish an 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 2017-06-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting balances on  XXXX   XXXX    XXXX   XXXX   and  XXXX    XXXX   XXXX  .   The accounts have   XXXX   balances.   XXXX  The account balance of  XXXX   XXXX  is incorrect by {$610.00}. The balance is {$2000.00} not {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Carvana Group, LLC
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Misleading information retail installment contract should not require any cash exchange and requested all insurances and additional charges and protection plans be includes in the finance charge as I believe that is supposed to be the sum of all charges according to TILA guidelines and requested down payment i XXXX cash exchange with an extension of credit already approved and retail contract requiring down payment advised of 15 USC 1662b amended act of 1995 wich states that cash exchange under retail purchase agreement is not required unless thats normally policy for everyone I highly doubt the cash down payment is unusualy high and requested to correct contract to comply with Truth in lending act guidelines and be transparent and honest according to underwriter thats just the way they do things and they sell lots of cars so I replied so then you guys are committing fraud on a unpresideted scale and informed them of specific regulations that are in my understanding not being adhered to and boy did they get upset when I requested XXXX XXXXXXXX and asked for full disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the total amount of 9,000 USD utilizing OneWest Bank, services

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2011, I was granted a loan modification on my mortgage with Bank of America. In the time since, I have paid my mortgage in accordance with that modification. Last month, I received a XXXX XXXX package with documents on Bank of America Home Loan letterhead and a cover letter stating that there was an error in the format of the documents and they were unable to be recorded at the county recorder 's office. The letter goes on to say that a representative from XXXX XXXX would meet me at my home to instruct me on signing the papers and notarizing them. I did not sign the paperwork. 
Last week, I came home to find a gentleman sitting in a car in front of my home. He said he was with XXXX XXXX. He handed me a letter which instructed me to call XXXX XXXX to schedule a time for a representative to come to my home. He then proceeded to take pictures of my home, and to ask me if I wanted to have a notary visit my home. I told him no and asked him to leave. 
I receive calls daily from an XXXX number. When I answer, no one speaks. I checked the number of the web and forums have shown that it is XXXX XXXX. They never leave a message, and never speak when I answer their calls. 
I am VERY concerned. I personally had my paperwork notarized back in 2011. I have not been able to reach anyone at Bank of America who can tell me what is going on. And given that it is now XXXX years later, I find it very hard to believe that it has taken Bank of America this long to determine that the mortgage was not recorded with the county. 
I feel that either this is an attempt by XXXX Services to get personal information or somehow execute a fraud -- or Bank of America is trying to backtrack on something that they have done illegally. At any rate, I 'm feeling very uncomfortable with the entire situation, and even more so now that someone has shown up at my home. 
Any assistance would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I HAVE DISPUTED THE REPORTING OF THESE ACCOUNTS SEVERAL TIMES. THESE ARE BEING INACCURATELY REPORTED ON MY CREDIT PROFILE. THE CABLE BILL IS FRAUDULENT. THE XXXX LATE PAYMENTS ARE TOTALLY INACCURATE. THESE LATE CHARGES ARE HOLDING MY CREDIT SCORE DOWN. I AM TRYING TO BUILD MY PERSONAL CREDIT TO BUILD MY BUSINESS BUT THESE INACCURATE REPORTED ACCOUNTS ARE A HINDERENCE. IT IS ALSO UNFAIR PRACTICES. XXXX  AND XXXX ARE NOT REPORTING THESE INACCURATE ACCOUNTS. ONLY 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 explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
So in the month of XXXX I sent validation and verification letters to transunion and XXXX  asking them to remove all of the accounts that were listed on the letters that i had sent them and they have still not fix the problem can you please look into this problem for me thank you.

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 2020-09-27
Company: Experian Information Solutions Inc.
State: AZ
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 recently noticed that Experian shows 6 missed payments on my credit report. I do not have missed 6 payments, all other major credit bureaus report all my payments are 100 % on time. 
Experians setup of their website makes it impossible to file an online complaint. I tried several times and it won't allow me to submit the complaint. I think this is done on purpose, so they don't get " bothered '' with customer complaints. I also sent them a letter, and -not to my surprise- never received an answer. 
I can't even find out, what the falsely claimed missed payments are ; Experian does not provide this information.

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: Stearns Ventures, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have a loan through Stearns lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that Stearns lending services has sold our loan and we would be making payments to XXXX XXXX XXXX on the XXXX of XXXX. 
On XXXX XXXX our mortgage was withdrawn by Stearns lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX. 
I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out twice, This made no sense to me because the agent could see the double payment on her computer screen this was evident by her statement, " ok i see the payment on the 2 and the 10 '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call. 
After that i called Stearns Lending about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact. 
I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back. 
It would be one thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out 2 in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help.

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 2015-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir. 
I HAVE DISPUTED THE FOLLOWING NAMES AND ADDRESSES FROM MY CREDIT REPORTFOR SO MANY TIME, BUT XXXX AND EXPERIAN NEVER ACKNOWLEDGE THE FACT BEHIND THE DISPUTE. 
I attached a copy containing the names and addressesI also attached a copy my utility bill as a proof of my name and address

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-24
Company: Matthew Thomas & Associates LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I saved the call, however received two calls stating I was being prosecuted for a bad check that was n't processed however, I do n't use checks and know it 's a scam but was told they were with XXXX, Mathew, & waters llc law firm. They need to resolve a matter or send it to my local authorities to serve me. <P/>Phone number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-06-24
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: Account status incorrect

Complaint:
Equifax is reporting a late payment on my credit report with ally financial in which this information is incorrect. I disputed this before and ally reported to them that it is no late payment. I 'm guessing Equifax refused to report my account accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 contacted TransUnion Credit Bureau about unauthorized inquiries on my credit report and requested that they be removed on the basis that they were fraudulent. I was told they could not help me, without a XXXX report. I want these inquiries removed immediately. 
XXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
N Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Acct Number XXXX XXXX XXXX Collection # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Collection # XXXX XXXX XXXX  Acct Number XXXX XX/XX/2022 # XXXX XXXX XXXXXXXX Acct Number XXXX XX/XX/2022 # XXXX  Acct Number 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 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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XXXX I disputed inaccuracies, I came across my credit report from XXXX, and Transunion XXXX XXXX XXXX XXXX 


Both credit bureaus had vast discrepancies in the information reporting, although their investigation results dated ( XXXX ) XXXX advised they were still investigating, and it should be completed by XXXX. Which is past the 30 days allowed. The investigation did not change information reporting, there are still inaccuracies. I sent a method of verification request on XXXX via certified mail. That request was ignored by both credit bureaus. I have yet to receive that information which is now past the statue time.

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 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Was not notified of investigation status or results

Complaint:
Trans Union has failed to provide the results of the investigation go my recent disputes.

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 2022-02-23
Company: EQUIFAX, INC.
State: MD
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 filed a Complaint last XX/XX/2022 requesting that you need to make an investigation regarding to the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation