BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, nor did I authorize these credit inquiries to be pulled from my credit profile. Additionally, there are some names that I don't recognize on my personal data, and I did not file bankruptcy.

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: EQUIFAX, INC.
State: TX
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 # XXXX {$450.00}, 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 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Monterey Financial Services LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Monterey collection services has reported a debt they claim i owe as " new '' to the credit bureau. According to them, the debt I allegedly owe is from XXXX. However Monterey collections is reporting it as delinquent recently as of XXXX, most likely this is when they bought the illegitimate debt. By reporting it to the credit bureaus as " new '' they are violating reporting laws. The statute of limitations is nearly exhausted and it would be dropped from my credit report shortly thereafter. This should be corrected with the credit bureau. This company is already being investigated by agencies who have evidence that their practices are less than legitimate and lawful. I know this to be a fact as the agents have reached out to me directly to take my statement regarding Monterey collections and their unlawful practices. Monterey collections you can't just make up a date you like and report that to the credit bureaus. You must report accurate information by law. This collection agency knows this debt is illigimate therefore they report it as " new '' to buy them time to try to make a person believe they owe it. Not happening Monterey collections. At least report the date of delinquency accurately which according to you is XXXX not XXXX. I will continue to report Monterey collections and call them out until they report accurate information under the law to the credit bureaus. In the meantime I will continue the investigation to gather the evidence that this debt is illigimate to start with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im trying to getting my report on equifax and they have somebody else social security I already send copies to support my identity and they still havent fixed and I can see my credit report because at that issue. I send yall copy of the social security that have wrong in my account please help fix the because its annoying to see that on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Aargon Agency, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was away on XXXX XXXX when this was charged to my account, when I noticed my credit declining I decided to look into it more and noticed it was decreasing due to the amount of {$370.00} sitting in collections for me to pay. I instantly called XXXX sometime late last year after being released from military orders and I explained to the them this information and how I share the same name as my grandmother in case there was any confusion given that this is a medical bill and shes older and because I was on XXXX XXXX XXXX  all my medical would go through the military hospital and would be fully covered. They attempted to dispute this charge. I just found out this morning that this collection is back at AARGON Collection Agency so I called them back. They told me to either go to the police and tell them its fraud or pay it so my credit can go back to normal. I do not know what else to do, but it is ruining my credit and just want to get this 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 explanation
Consumer complaint received 2016-04-08
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Have been attempting to work with Ditech to obtain a modification to my mortgage for 8 months, finally got the trial modification after getting XXXX XXXX involved. They have however put derogatory comments on my credit reports ( foreclosure initiated ) and I want that removed and changed to modification trial initiated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My credit score has been improving and I have been paying down my debts. This month, Equifax lowered my FICO score XXXX points, down to XXXX. This is confusing and suspicious as I can not find a logical reason for my score decreasing such a large number. I believe Equifax perhaps incorrectly reported my FICO score and instead of increasing it to XXXX, they accidently decreased it to XXXX. XXXX is reporting my FICO this month at XXXX and there 's no reason why Equifax 's score should be underreported so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX Route XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Modern Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
HAD A ITEM ON MY CREDIT REPORT SO I CALLED THE COLLECTION AGENCY THAT REPORTED IT. IT WAS MODERN ADJUSTMENT BUREAU LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX. I CALLED THEM SEVERAL WEEKS AGO AT XXXX AS I WANTED TO KNOW WHAT THIS WAS ALL ABOUT. I HAD THE DISPLEASURE TO TALK TO A RUDE AND ARROGANT WOMAN SAID HER NAME WAS XXXX, WOULD NOT GIVE HER LAST NAME. I WAS DISPUTING THIS BILL AS MY COMPANY OPENED UP THE CHECKING ACCOUNT AND MY NAME WAS ON IT, BUT APPARENTLY THE ACCOUNT BECAME OVER DRAWN, WHEN I ASKED FOR DOCUMENTATION ON THIS BANK ACCOUNT SHE WENT INTO A PUSHY AND THREATENING DEMEANOR, SHE WENT ON TO SAY " WHEN THIS GOES TO COURT THIS WILL COST THOUSANDS OF DOLLARS FOR YOU LATER ON '' " YOU SHOULD TAKE CARE OF IT NOW AND DISPUTE IT LATER '' SHE MADE IT SOUND LIKE A {$1300.00} BILL WOULD BE RAISED TO {$5000.00} WHICH IS DECEPTIVE COLLECTION TACTICS. I NEVER RECEIVED THE DOCUMENTS, BIG SUPRISE. ARE THEY NOT SUPPOSED TO GIVE ME A HEADS UP ON WHO I AM CALLING AND THAT THEY ARE TRYING TO COLLECT A DEBT ETC, SHE JUST WENT INTO HER GANGSTER ROUTINE TRYING TO SCARE ME INTO PAYING THE BILL DISMISSING ANYTHING I HAD TO SAY. 
I HANG UP ON HER CAUSE IT WAS LIKE TALKING TO A BRICK WALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Disputed the fact that a XXXX accounts are being reported on my XXXX , XXXX, and Experian credit bureau that are the same collection account. XXXX is the original debt with CB Dispute ( XXXX XXXX in amount of {$16.00}, XXXX ) and the other is the assigned debt from them to a collector in the same amount. It is against Federal Law for a collector to report an outstanding debt TWICE ( Double Jeopardy ) which hurts my credit file and score more than if it was reported once. If the debt is sold and assigned and listed on credit bureau, then the original debt must be taken off credit file otherwise it could be sold multiple times with multiple collections showing up on credit file for just ONE debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is an account from the Veterans Administration on my credit report from XXXX that shows I have an oustanding balance that either went to Collection or charged off. However the account was paid in full. I have submitted a dispute through XXXX and XXXX responded asking for documentation from the Veterans Administration that verified the account was paid in full. I called the toll free number various times and have consistently been unsuccessfull obtaining such document. I feel that responsibility lies with XXXX to obtain current information from the VA regarding the account. I feel they are acting negligently and there is a legal obligation to keep this account accurate. This has been paid XXXX of 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When Covid started I was given the option to not pay the vehicle for 3 months due to lack on income. When i checked my credit report it showed I was late 30 days not once but twice in XXXX and XX/XX/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 explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide

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 2022-10-12
Company: EQUIFAX, INC.
State: IN
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:
When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got a credit card from Synchrony because of XXXX XXXX. I made some purchases and paid in time for the first year and then I did not purchase anything for 13 months. Between that time my credit score went from good to excellent and instead of them giving me more credit they decided all of a sudden to lower my credit. That was reported to the credit bureaus and ended up lowering my credit score.

I called Synchrony asking them to review their un-called act against my credit score. I told them that if they feel like customers not buying is a way to measure the credit amount this should be mentioned when I first got the card and also before they do such act they should inform me, maybe warn me that I need to buy something. I only wanted them to bring my credit to what it was before and report the credit bureaus so that my credit score would go back. 

It took them a month going up in their scales of decision and finally I got a message from XXXX XXXX ( Corporate Specialist, Consumer Relations ) : " We understand that the lowering of your credit line might be upsetting or inconvenient for you, and we regret we had to take this action, especially since you are a valued customer. Our position remains the same. We regret any frustration this matter may have caused. 

I would like to make it clear that this is not about the money or the points, this is about customer care. I took time to show them that I was frustrated with a decision and that they could review it to keep me as a customer. My credit with Synchrony was XXXX and they lowered to XXXX. My overall credit with all my credit cards are more than XXXX so XXXX dollars makes no difference but I only want to give my business to people that care about it. Unfortunately I will have to stop buying from guitar center because it's their partner for financing. Hope that XXXX  finds a bank that takes care of their customers as they do, then I can go back to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I told XXXX several times I have 2 accounts showing as duplicate account and affecting twice. the original accounts are being disputed every possible way and I will continue disputing for as long as I see it on my report indecently until it goes away. They just don't care and give a XXXX XXXX about what's on your report. The XXXX*** accounts appears twice. So XXXX*** do your job and fix it.

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 2020-03-15
Company: AFNI INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I was denied credit and received a copy of XXXX  credit report. It showed an open balance with XXXX, XXXX of {$440.00}. I know I paid this account off. I called XXXX and that said my account was transferred to Afni, Inc.

I called Afni, Inc. They told me my account was paid in full and they will send me a receipt. I put in a dispute with XXXX while I waited for the receipt from Afni, Inc. 
On XX/XX/XXXX, XXXX  said they finished their investigation and XXXX said the information on my credit report was correct and I stilled owed {$440.00}. The disputed item remains on my credit report with out any changes. 
I submitted a second dispute with XXXX  and provided a copy of the receipt from Afin , Inc. showing that my account with XXXX  was paid in full by their authorized collection company. 
On XX/XX/XXXX XXXX  sent me my dispute results stating XXXX XXXX said information on my credit report is still correct. I owe them {$440.00}. the item will remain the same. Yet I have a receipt firm Afin, I spoke to an XXXX  Rep and they all told me I do not have an open account with them nor do I owe them any money. My account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Serviving.LLC .... 
I have been harassed., threaten., account infomation withheld., and Sumomon to court for repo. 
While in bankruptcy., called., theaten me., said I was not in bankruptcy., ,for me to get out of they home., '' We are coming to get it ... '' Sick of fight them..! 
Brougbt in XXXX ... Been fight Green Tree Services until this day ... .Enough ...!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: LAKEVIEW LOAN SERVICING, LLC
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 information incorrect

Complaint:
On XX/XX/2020, I closed on my mortgage account with XXXX, I had been in forbearance from XXXX-closing. When I went into forbearance, I was current on my mortgage and had not missed a payment. When I closed on my mortgage by selling my property, I paid the loan in full, with all interest included. XXXX reported me not only 90 days delinquent to my creditors, but they reported the closing of my loan as XXXX for some ( XXXX ). We have attempted to fix this problem with XXXX, who sent us a letter assuring us it had been resolved with the credit bureaus. I gave the letter to the credit bureaus ( namely XXXX ) who would not take my word for it and said they needed to hear from XXXX. It has now been over two months ( two weeks past the time XXXX had said it at the latest would be removed from my report ). Interest rates are skyrocketing. We have not been able to purchase a home for four months due to this error when I fulfilled every single one of my obligations. I complied with the terms of the forbearance plan by paying off the loan in full prior to the end of the forbearance term. I contacted XX/XX/XXXXand asked them to remove the late payment. They refused.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
On XX/XX/2020, I closed on my mortgage account with XXXX, I had been in forbearance from XXXX-closing. When I went into forbearance, I was current on my mortgage and had not missed a payment. When I closed on my mortgage by selling my property, I paid the loan in full, with all interest included. XXXX reported me not only 90 days delinquent to my creditors, but they reported the closing of my loan as XXXX for some ( XXXX ). We have attempted to fix this problem with XXXX, who sent us a letter assuring us it had been resolved with the credit bureaus. I gave the letter to the credit bureaus ( namely XXXX ) who would not take my word for it and said they needed to hear from XXXX. It has now been over two months ( two weeks past the time XXXX had said it at the latest would be removed from my report ). Interest rates are skyrocketing. We have not been able to purchase a home for four months due to this error when I fulfilled every single one of my obligations. I complied with the terms of the forbearance plan by paying off the loan in full prior to the end of the forbearance term. I contacted XXXX and asked them to remove the late payment. They refused.

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