BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXXXXXX XXXX XXXX  haS violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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: Was not notified of investigation status or results

Complaint:
I HAVE NOTICE ACCOUNTS THAT ARE NOT MINE AND SOME THAT ARE NOT LISTED PROPERLY SEE LETTER ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I have summitted disputes to the credit bureaus about fraudulent activity on my credit reports. I have not been shown any proof that these items were done by me. I have not seen any contracts or signatures. I want these items removed 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: NE
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:
ive mailed two letters to experian trying to remove addresses and names that dont belong to me and they didnt do anything

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 2020-05-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am currently in the process of trying to get a mortgage loan to purchase my first home. As all are aware the first step in the process is to pull a credit report. At the end of XX/XX/2020, I did just that, noted a few outstanding items that needed to be taken care of. None of which were for a collection. Fast forward to a few weeks later and I get an alert that my credit score had dropped due to a collection on my report, the company reporting the collection was listed as ERC with the original lender being XXXX XXXX XXXX, and had a date listed of XX/XX/2020 as the date the account was opened. I immediately called to find out what this was for. They said they were collecting a debt on behalf of XXXX and that if I paid they would remove the collection and send me a letter confirming it was paid and removed. Clearly Ive never dealt with this before so I blindly trusted. They also had an old address on file that I didnt even live at. I told them what my new address was so they could send the letter there. After I gathered the information on the account I paid the account in full. Fast forward to end of XXXX and the debt is still on my credit report has now been reported to another CA and my score has suffered greatly. I have now contacted XXXX who said that this balance was cycled through a few different collection agencies ( why had I never gotten any notices? ) and that ERC was the last to receive it. What makes no sense and is pretty unfair is that I received no notices about this collection, but somehow they were able to upload dunning documents on their portal after the fact that lo and behold now have my updated mailing address. None of which were ever physically received by me. I also never received a phone call. The only way I knew this was something was when I pulled my credit report and even then it wasnt there the first time I pulled it. Im also confused at the way this debt was handled, why did I never receive a notice from any of the other collection agencies, if this debt was being collected on behalf of XXXX why is XXXX telling me they have no control over ERCs practices. The only thing XXXX is saying they can do is request a paid in full letter be sent to me from ERC. I know that everyone is just doing their jobs but what they dont realize is that doing their jobs incorrectly is potentially costing me the ability to purchase my first home. I dont understand how its fair to report a collection when you wont even probably reach out to the person who owes the debt. Youre not giving them a chance to amend anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: OH
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 to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # XXXX, Account name # XXXX, Account name XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX name # has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate

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 2020-03-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2022-03-24
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Phoenix Recovery Group purposely reported inaccurate information on my credit report back in 2016. I have contacted them in attempts to try to get this resolved back on 2016. I've disputed this with the credit bearul and got no success and have documentation to support what I owe via court order. They reported I owe {$1500.00} originally and have ballooned it to over {$3000.00}. This could have been resolved in 2016 but they refused to collect the true and exact amount of {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a Penny Mac customer. I was in the process of refinancing my house. 
I was notified five hours before my refinance settlement, that my loan had been canceled for non-payment of my XX/XX/XXXX mortgage. I paid my mortgage. 
I paid my mortgage on XX/XX/XXXX. 
I called to find out what the confusion was. 
I was notified my mortgage was placed in suspense because of taxes and escrow increase. 

Almost a full month passed between my XX/XX/XXXX mortgage payment and my XX/XX/XXXX settlement date and I had not received any notification that my payment was placed in suspense and not applied to my account. 
No phone call, no email, no account notifications, no letters, no Robo call, nothing! Even when I logged into my account on the company website to sign the settlement disclosures. Nothing! No Notifications. 

The servicer provided no communication that my loan was not paid in full or that I was in jeopardy of my loan being canceled, even though I spoke or was in communication with my loan processor and/or loan officer, 2-3 times a week. Often speaking with them several times a day. I even received an email from my processor the night before settlement, confirming what I would need at settlement. 

As a customer refinancing with the same lender shouldnt I have received more than 5 hour notice that my refinance loan is being canceled because my mortgage payment wasnt applied to my account? 

I was failed on two fronts, by the service provider not communicating in a timely manner the status of my payment and by the refinance department who promised in there opening email to monitor the loans status through settlement. 

I have never missed a payment, please check my history. There is no reason, I would intentionally not make my full mortgage payment. 

I was told that the my loan officer and the Penny Mac team were there to make sure my loan processed smoothly. This event has shown a gaping hole where loans and customer experience can fall through and fail. I am sure this is not the experience the Penny Mac Team promised or intended for my Veteran family to have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other fee

Complaint:
I have been a customer of CitiCard MasterCard since XXXX. I have always paid my bill each month in full. My XXXX bill was due on XXXX XXXX, 2016. They received my payment on XXXX XXXX. When I received my statement in the mail today, I noticed that they have charged me {$23.00} interest. I immediately called them and asked them why they charged me this amount when the payment was received before the due date. The lady connected with me with a foreign gentleman. I explained the situation to him. My daughter explained the situation to him. He refused to take this amount off of my bill. How can a company charge you interest like this? Are they putting these charges on people 's accounts thinking that they will not notice it and pay it? I believe that is unethicial and not right! They need to be reported and held accountable for doing business in this matter!

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 monetary relief
Consumer complaint received 2016-12-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Over the last 3 months I have told Equifax via mail and over the phone my current address is XXXX XXXX XXXX XXXX NJ XXXX. I explained to them I do n't live or lived at either of the XXXX addresses they had o my credit report. They finally fixed everything about a month and a half ago. I just repulled my credit report and those XXXX old addresses are back and my current address is gone. I need them to put my current address back on my credit report and remove those XXXX addresses once again that I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage is trying to get me to refinance for lower interest rate. I would get lower rates but would have to restart over on the loan losing current interest in the home i have. The value of home has doubled and i feel they want to take the equity from it. I told many representatives that both me and my wife are not interested and to stop calling my phone, stop sending postal mail correspondence and stop email me. I have blocked everything I can do, but they still manage to get through especially with phone calls. I have a log of them calling me - literally 13 times in a 2 week period including 3 times in one day. I wish I know a way to get my mortgage moved to another lender. Freedom Mortgage is awful people to deal with. The most common numbers being used to call me from XXXX and XXXX ( the XXXX # has not called back, but the XXXX # continues to call back even after I have blocked it ; somehow it gets through ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've seen those inaccurate and unknown accounts on my credit report, so Ive sent documentation last XXXX, it almost 30 days now but I haven't received any response yet. I demand to REMOVE ASAP those accounts or I will file litigation.

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 2020-03-15
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my 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 2022-03-24
Company: Experian Information Solutions Inc.
State: NY
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:
Since XXXX of 2021, my credit score has been going down, slowly, but consistently. I have not been late on XXXX payment, absolutely nothing has changed that might incur such a change in my credit score. I have been in touch with all of the XXXX credit bureaus, and none of them have any information, nor do they understand why this is happening. I am never late with any payment, nothing has changed in a way which that I pay all of my bills in full before being charged any such fee. 
The only change on my end, was putting a freeze on my XXXX credit reporting services, such as Experian, XXXX, and XXXX. I have no unbderstanding as to why my score had gone from XXXX, to XXXX, in 7 months, no new credit checks, or applications for credit, no late fees.

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 2016-06-12
Company: Northland Group Inc
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received continued notices to settle a debt from Northland Group , Inc. to settle a debt with XXXX XXXX Bank XXXX XXXX XXXX, XXXX. that does not belong to me. I have no record of ever opening an account with XXXX XXXX, nor do I owe them any money. I have asked them to stop attempting this alleged debt, and they continue to pursue communication tactics that is against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have sent XXXX, Equifax, and XXXX  Letters that reported inaccurate information on my credit report, and they have refused to resolve the issue. I have wrote letters for the last 4 months, and there has not been any action taken or investigated. They have reported wrong information on my credit reports, and all three of the credit bureaus are reporting different items.

Company response to consumer: Closed with explanation