BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: MO
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 sent a letter to XXXX XXXX for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from Missouri courts stating they do not report info to XXXX XXXX nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance that shows on my credit report is wrong and I paid XXXX off and it still on my credit Moneylion XX/XX/2022 To whom it may concern, As per our request, XXXX XXXX, We would like to inform you that your MonevLion loan XXXX has been paid in full. The loan was opened on XXXX in the amount of {$500.00}. Your final payment in the amount of {$230.00} was received and posted to your account on XXXX. 
Should you have any further questions, please feel free to reach out to our Customer Service Support team during business hours at XXXX. 
Thanks for being the best part of MoneyLion! 
Best Regards, MoneyLion Support

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : XXXX  XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. NAME OF ACCOUNT : XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02
Company: Alorica Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Global Receivables Soluion, Inc./ West Asset Management , Inc . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Account : XXXX  XXXX XXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

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 2021-09-24
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My compliant is with Southwest credit. I sent a letter on XX/XX/2021. Stating that I owe {$430.00} too XXXX. When I received the letter I called a few days letter. Letting the company know that I paid this to XXXX over a year with another company. They said I can dispute the charge by mailing a letter to the company and they will open a claim. Fast forward today 's date XX/XX/2021. I find out Southeast credit has reported my a collection account to the credit bureau. My credit not has dropped 34 to 54 points in a matter of a day. The company told me that they had the collection with them since XXXX of 2021 and only reached out to me on XX/XX/2021. They did not send me the proper notice prior to reporting the account to the credit bureau. It says in there letter that I have 30 days to respond and they did not give me the 30days. I had also ask how they received my ss number and they did not have an answer for me.

The company has also violated the Consumer Fair credit act by asking me to verify myself with personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion has been notified that there are problems with my credit report for a while and has told me that their original investgation revealed that my credit report is correct, then sent me a letter saying that they can not continue with my request to block information on my report because there is not enough " information '' and then when I request the results and evidence, they send me a letter saying they need to do an investgation first. I have been told by my lawyer that Transunion is known for not actually investigating and I am starting to believe it, according to the FCRA, I am entitled to all the inforation from all these other investigations so why can I not get those results while this " new '' investigation is being done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I contacted TransUnion on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting act as to there failure to respond in a timely manner.

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 2017-05-23
Company: Cascade Capital, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX   XXXX   XXXX  charged off a voluntary repossession on  XXXX , closed the account on  XXXX . They sold the note  to Cascade Capitol, LLC  in  XXXX , FRAUDULENTLY showing a payment as having been made in  XXXX  in order to re-open the account. There was NO payment made. The y ( Cascade ) began  reporting late on our credit starting  XXXX , continuing to present date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: LoanCare, LLC
State: SD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My life changed drastically back at the XXXX, and my payday changed also. I called and asked LoanCare if they would please move my due date out a few weeks. They refused stating it is a contractual agreement. Well, hello! Life freaking changes, how am I supposed to know we would have a tragic death in the family and that my employment would change. If this company has even an ounce of human compassion they would change my loan due date by 12 days, and it would n't hurt them in the least, but we are just a number to them. I ca n't wait to get my loan picked up by a VA refinancer. LoanCare is the worst mortgage company I have ever dealt with.

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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX ; XXXX XXXXnd Transunion are reporting incorrectly a collection/chargeoff in amount of {$7100.00} as well as reporting a past due balance of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due and be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I  have contacted the bureaus to remove this however, I have not been successful.

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 2022-04-13
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX management failed to comply with fair debt collection practices act, 15 USC 1692g. XXXX XX/XX/2022, I included in my validation of debt letter request of date of original charge off or delinquency and signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Company failed to respond with requests,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is being foreclosed and the bank has denied my short sale. We are asking that the foreclosed date be postponed so that we can get the home sold. Carrington Mortgage Services would rather foreclose my home and have a permanent mark on my credit than to have my home sold and a positive spin be added to my credit history. Also, I just received counseling from a HUD Counselor Member and was just told about the XXXX program. I was never given to the option to utilize the Partial Claim. My husband lost his job and has had no income in the last 3 months. For the past year and a half his employment has been below his normal income capability due to conditions XXXX. I have attached a copy of the Residental Contract for the Short Sale which was denied and also the Carrington Mortgage Statement. I would also like to add that my husband is a XXXX XXXX Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX I pull my credit report from all three credit bureaus and noticed that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX-phone number XXXX XXXX XXXX reported a telecommunication account # XXXX from XXXX XXXX for {$1000.00} - all three credit report shows this account was open on XX/XX/XXXX balance date XX/XX/XXXX, although i disputed the account, it sat on my report until it dropped from all XXXX credit reporting bureaus aroung XX/XX/XXXX. Then XXXX XXXX sold the account to XXXX-XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX The add the account again to my credit report with experian on XX/XX/XXXX as a new account ( with partial accounty number XXXX for {$1000.00}. I disputed this twice already and fax my old credit report to the credit bureau and they still have not corrected this violation. 
EVEN IF A CREDIT COLLECTOR BUY AN OLD DEBT, THEY ARE REQUIRED TO REPORT THE ALLEGED ORIGINAL DELINQUENCY DATE NOT JUST MAKE ONE UP AND INTENTIONALLY SOIL SOMEONE CREDIT. i WAS DENIED CREDIT BECAUSE OF THIS COLLECTION ACTION AND WILL BE FORCE TO SPEAK WITH AN ATTORNEY IF THIS IS NOT CORRECTED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting 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 explanation
Consumer complaint received 2015-04-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am complaining because I am having an issue with Experian were I have not been able to get a copy of my report directly from them. I have written to them and have not gotten any response from them. There are Several Judgements on my credit report that none of them belong to me. They are all from the XXXX County Court and these Judgements belong to my Father which we have the same name and live in the same address. I have tried to call experian on several occasions and have been unsuccessful in getting a representative on the phone because I do not have a report number to get through. I am please requesting for these Judgements that belong to my father to be removed from my credit profile as they are not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: CA
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:
My XXXX XXXX Account that was " In Good Standing '' on my credit report has been deleted or blocked from my report and my report no longer generates a score because of no credit history. The account should NOT have been removed. XXXX XXXX Credit Card Account # XXXX ... Date Opened : XX/XX/XXXX First Reported : XX/XX/XXXX Credit Limit : {$7700.00} Payment History : starting XX/XX/XXXX - current I have contacted XXXX XXXX customer service dept. and also the Fraud Dept. and both departments informed me that they have not stopped or requested removal of my account reporting and that my account is currently scheduled to report currently. A letter confirming that reporting is in effect has been sent by XXXX XXXX to all XXXX bureaus to prove this fact. 
I recently filed an Identity Theft report that included XXXX unrelated XXXX XXXX accounts and I feel that there is a possibility that the wrong account " In Good Standing '' was blocked by mistake, because the first 4 digits are the same " XXXX ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had Wells Fargo as a secondary bank account for years and have had to close my account for too many issues regarding fees and fraud. The final straw was a fake check that was allowed to be cashed and the horrible way in which it was handled in order to have the money replaced. It was a substantial amount and until the police became involved, I was getting resistance from Wells to put the money back even though they admitted that the check was fake, not written or approved by me, and that it may have been an inside job.

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 2016-12-02
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My US Bank Small Business account was charged overdraft fees for XXXX transactions for which funds were available at the time which the transactions were preauthorized.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FRCA Violation credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections 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 2020-03-30
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , KY XXXX I am currently XXXX XXXX Please remove the following employers : 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