BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: ERC
State: NC
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 reached out to XXXX and Enhanced Recovery on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or XXXX and/or XXXX XXXX report ( XXXX ) : * Date of Last Activity * Date Reported * Date Opened * Closed Date * Last Payment However, this inaccurate information is still being verified and reported by XXXX and the credit bureaus each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request the XXXX account XXXX be removed immediately from my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is in direct violation of my rights under FCRA by reporting inaccurately. 

Also when attempting to make contact in order to resolve my concern, XXXX refuses to assist and forwards me to Enhanced Recovery Company. When I contact Enhance Recovery, they inform me that XXXX is reporting to credit bureaus not ERC, therefor they can not assist with the inaccurate reporting. An ERC representative on the phone informed me they do not report data to credit agencies, they collect only and the information being provided is coming from XXXX XXXX. I have been sent back and forth between the two companies with no resolve. 

I can not verify or validate any of the information on my credit report concerning XXXX. I have contacted XXXX on several occasions but XXXX refuses to report accurately. 

I request account XXXX be deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Self Financial Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I opened a secured credit account with Self Credit builder, On XX/XX/XXXX I successfully paid off my debt of XXXX was asked if I wanted to collect my secured amount or move to the next level of a secured deposit of XXXX, I said yes and deposited another XXXX dollars. 
On XX/XX/XXXX a family emergency came up and I needed a rental car to get to New Jersey, so on XX/XX/XXXX I paid for and picked up my rental, For XXXX plus deposit which totaled out to XXXX XXXX maxed out my card. I kept the car longer than expected, on XX/XX/XXXX I returned the car but XXXX was closed, a family member was going to pay cash for the remainder of the balance when We returned the next day, Self had paid the remaining balance. 
Upon seeing it was paid my family member didn't feel required to pay it, I was shocked that self paid it because I knew My credit limit was only XXXX, I worked my way up to that amount because that was all I could offered and I could pay that amount down, I know I could not pay that amount, I never orally, written nor electronically asked or approved for self to go over our agreed secured amount of XXXX dollars and therefore should not have been paid. There were times that I tried to go over by a few dollars and the company refused, I never thought they would have paid such a large amount. 

I am working really hard to improve my credit and because of Self I have derogatory marks on my credit report and XXXX points were taken from me. I have tried to reach out to them about this and have it removed to no avail. XXXX XXXX has many reasons why I am not entitled to pay this, I agreed to a credit limit of XXXX and I have paid that, that is all I could afford and would not have exceeded that amount I want this account removed from my credit report and my points that were taken away because of false reporting of Self.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I submitted a complaint against Mr Cooper in regards to my mortgage. You can review the details of that complaint in my complaint history. This is now the 2nd complaint with the same types of issues, however there are new issues to bring to your attention. Starting from XX/XX/2022, I advised Mr Cooper that they continually misapply payments on my account and process those payments as additional principle. The supporting accounts statements will show this to be true. I will also be submitting screenshots of statements on their website that attest to how those payments should be processed when an amount due shows on the account. They consistently do not apply payments properly and the only thing I receive are excuses as to why they can not process payments correctly. I have now sent in 6 separate messages in a two month period in regards to the same issues. I have called 2 separate times regarding the same issues. 

The final straw is the letter received on XX/XX/2022, in which they state that my homeowners insurance has expired and they plan on purchasing insurance for me. Further in the letter, they state that they have it in their records that I elected to pay the insurance directly rather have it in the escrow account. The screenshot that I am including proves otherwise and states the date in which the payment should've went out to the insurance company. 

It is clear that Mr Cooper is unable and unwilling to handle this mortgage properly and to my standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Some information was altered on my credit report and I need to dispute it XXXX XXXX XX/XX/1961 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th exertion to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
.Ive submitted police reports and ftc reports of this said fraud. This reported information is in violation of my federally protected consumer rights under 15usc 1692g and 15usc 1681b2 and not in compliance with metro 2 standards. This serves as official notice of intent to file suit where my legal staff will seek full compensation for punitive damages per fcra policy you have 30 calender days as of this notice to correct said inaccurate 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 2022-12-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, my friend 's XXXX account was hacked. The hackers asked me for funds, as well as about XXXX other 'friends ' of his. I personally sent them XXXX transactions over XXXX totaling {$1800.00}, before I realized that it was not him. I was led to believe this was an emergency loan until XX/XX/XXXX. I reported this to Chase, who issued me a temporary credit on my account. On XX/XX/XXXX, they rescinded this amount and seemingly returned it to the imposters. I have screen shots of the entire conversation, plus the names of the other people who were scammed. I have filed a report with the FTC also. If I am unable to recover these funds, I at least want to know that something is being done to stop these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the company before disputing this debt. Someone stole my information and has opened several cards in my name. The person involved was renting a room in my home and had access to all of my personal information. The person left my home without any notice and also had stolen my cell phone. During the time the person was living here, I didn't see any mail from these companies. The person living here was able to get the mail before me. I have contacted the 3 credit bureaus as well to try and find out information on why this item was on my account. This is causing a severe problem in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CBC Companies, Inc.
State: DC
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 believe that I am a victim of identity theft Reason being I am unable to freeze my innovis account due to fraudulent information inside my credit report Someone has been making purchases of vehicle tags, leasing, purchasing vehicle in my name from 2015 to date. The fact is I have never owned a car or a license ever in my life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX senior citizen, unemployed for the past 32 years. 

Also there are eviction records in my name of properties I never resided in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: NJ
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account unde.. ) open end consumer credit plan as late for purpose.

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 2022-12-01
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: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information from my credit report with Equifax to help clear my file. a lot of information is invalid. an is hindering my file. please update all information to help my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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:
None of this information is mine, I need it to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 called the 3 Credit Bureaus after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # Number XXXX, XXXX, XXXX and hoping that this XXXX  XXXX Balance : {$1300.00} ( XX/XX/XXXX ) Late payment will be updated.

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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Bureaus are ignoring my request for correction of the disputed accounts. After I ordered my updated Credit Report, I noticed that the Credit Bureaus indicates that the disputed accounts ' dispute status are " Account not Disputed '' despite the fact that I have been disputing my Credit file for 5 months already. It makes me wonder whether the Credit Bureaus are really contacting the Creditors to investigate the accounts, or are they really conducting an investigation. Also this CFPB complaint is my 11th Complaint to be submitted still requesting that the Credit Bureaus correct the information they present on my Credit report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-09-23
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: Information belongs to someone else

Complaint:
I have been disputing with the Credit Bureaus for the immediate removal of the Fraudulent accounts and information being reported on my Credit File. It has been 5 months since I started disputing my Credit Report but it seems like the Credit Bureaus have become negligent of the Federal statute and their duty with the FCRA. Under the Fair Credit Reporting act section 605b, the Credit Reporting agencies are required to remove any accounts and information that resulted due to identity theft. But the Credit Bureaus have been ignoring my Disputes. The last letter I sent to the Credit Bureaus was dated XX/XX/2022, with the same Attachments I have been attaching from my previous Dispute letters. The Credit Bureaus have been claiming that the disputed items are verified and reports accurate information. However, they have failed to send me copies of proof of verification or any documents bearing my signature. I can say that the Credit Bureaus have been ignoring my disputes as well neglecting the FCRA regulations because the Accounts ' dispute status are still reporting as " Account not Disputed '', despite the fact that I have been disputing my Credit File for 5 months already. Under the FCRA section 605b, I am requesting that the Credit Bureaus stop their erroneous reporting and remove or delete the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2021 I missed half of a payment to XXXX XXXX on a credit card. Myself, wife and our XXXX children, including my XXXX XXXX XXXX son, became stricken with XXXX over XXXX and XXXX and were unable to make the payment and it was reported late. I entered a payment plan with the company and brought the debt current in XXXX and XXXX. I wrote goodwill letters explaining the situation and CARES Act to the company and filed disuputes with all three credit bureaus also explaining the situation and the CARES Act. They all said the report was accurate and no information on CARES Act. I am requesting that the 30 day late payment be removed from my reports with all three bureaus in repose to the CARES act.

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