BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2022-06-01
Company: Mobiloans, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made multiple attempts to verify that this debt is mine or owed and have not been able to get XXXX or Mobiloans to verify this debt yet this debt was reported to XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-26
Company: EQUIFAX, 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:
Hello, Thank you for the improvements! But I still have a damaged score because of the items that do not belong to me. I have never had anything with these companies and received bunch of inquires and collection. Tried to solve it by myself but I failed. Nobody wants to help me from those companies. Please remove these items from my report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I brought a home from a builder and he would not approve me for the home, so he sends me to one of his preferred lenders and they approved me for the home after they tacks on about {$2000.00} more dollar of the originally price but quickly sold my loan to another mortgage company Mr. Cooper the next month. I had been in the hone almost 8 months when they said I paid too much money in my escrow so they did a risk analysis and refund me almost {$2800.00} and the next month I got a bill for {$4000.00} ( MUD ) and {$6500.00} ( taxes ), they said I had a {$11000.00} shortage and the money already in my escrow they are saying I can't use it toward my shortage. I am short because they didn't do their job finding out how much taxes I owe my house for this year before they refunded me the majority of the money back that was in the escrow. I have given them over {$7500.00} and the {$3100.00} in my escrow account they are saying I can't use that money toward my shortage, but they are paying my FHA and my Hazzard Insurance, but I can't use that money toward my taxes. they did another risk analysis, and my new mortgage payment is {$2600.00} if I don't pay the shortage. If I do pay the shortage my new mortgage will be {$1400.00}. The first year i was {$1200.00} and that when they said i was paying to much and refund me the {$2800.00} and drop my mortgage to {$910.00} and a month later, I find out I owe {$4000.00} ( MUD ) & {$6500.00} ( taxes ) and if I don't pay the shortage my mortgage will be {$2600.00} for XXXX XXXX I have sent them {$7500.00}, and right now I have {$8800.00} in my escrow, but they have paid out {$930.00} for my hazard insurance and {$92.00} for FHA in XXXX and XXXX so they are still using money out of my account, but they said I have to pay the whole shortage of {$11000.00} and i still owe {$3700.00}. After I did the math, I calculate I owe {$2800.00}. but they paid my hazard insurance and the FHA and i still have to make up the money they spend, they are not willing to deduct that form the shortage and I can't use the money in my escrow to pay the shortage when i am putting money in my escrow to make up the shortage. What they are saying is not matching up to what they are doing. How can that be. I shouldn't even be paying FHA because I put {$200000.00} down on a {$340000.00} house. they charge me an extra {$200.00} for going FHA the previous lender so I only finance {$140000.00}. I put all my money into the house, and they are trying to steal my house from me or make it difficult for me to afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Professional Finance Company, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in 2016 my identity was stolen and I have done several reports And complaints to the companies that are fraudulently reporting on my credit. Please have these items removed from my credit, it has been hindering me from being able to start a new job and buy a home. I have also filed a report with the FTC identity theft website Due to the fact that these bills does not belong to me. Please remove the following fraudulent accounts : Professional Finance CO {$270.00} XXXX XXXX  {$1700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX insurance states, I owe for rental insurance it was a quote, never sign any documents. Now I am getting letters from a collection agency for the amount of {$100.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. IS 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit 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 non-monetary relief
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this 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. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that 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 are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ACIMA CREDIT FKA SIMPL XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First Progress Card is in violation of the FDIC " Holder-In-Due-Course Rule ''. 
I, XXXX XXXX, disagree with First Progress Card terms and conditions of agreement as it violates my rights as a consumer. 

I refuse to debate rather or not First Progress Card is in violation or not. However, if all legal legal action needs to be taking this serious matter can be skillfully articulated in Federal court. 

First Progress Card, You are ruining my financial reputation by furnishing negative information on my Consumer Report such as " Charge off '' and " Late payments '' which has cause me to be denied for Auto loan, I'm demanding that you remove such information from my Credit Profile, if you fail to do so and credit my account, the Internal Revenue Service ( IRS ) will be on notice to AUDIT the account. 

I, XXXX XXXX, Consumer, also do not give any consent to transfer my account to any person, First Progress Card shall be in violation of the United States Federal law Gramm-Leach-Bliley Act and pay a fine of {$100000.00} ( PER VIOLATION ). 

I'm aware there is a billing error and my account on my Credit Profile shall be updated as " Paid In Full '' to all Consumer Reporting Agency 's. 

This is my final notice and if all legal needs to taking, I am taking such actions as I'm aware of your negligence of noncompliance. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NY
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:
The reason for my communication is to file a complaint against Experian and XXXX, a credit bureau, for its improper handling of fraudulent accounts that appear on my credit report. 

I recently discovered that there are accounts on my credit report, issued by Experian and XXXX, that are fraudulent and do not belong to me at all. I have become a victim of identity theft, which has significantly affected my financial situation and my emotional well-being. 

I have made several disputes directly with Experian and XXXX, providing all relevant documentation, including an identity theft report, to prove that these accounts do not belong to me. Despite my efforts, as of the date of this letter, Experian and XXXX has not acted effectively to correct this inaccurate and damaging information on my credit report. 

The presence of fraudulent accounts on my credit report negatively affects my ability to obtain credit, loans and other essential financial services. Also, as a consumer, I have a legal right to receive an accurate and up-to-date credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Although I have followed all procedures required by Experian and XXXX to dispute these accounts, I have not received a satisfactory response and the incorrect information has not been removed from my credit report. 

Therefore, I request the intervention of the Consumer Financial Protection Bureau to investigate this situation and take appropriate action against Experian and XXXX for not complying with the regulations established by the FCRA. I also ask that you ensure that my credit report is corrected and that these fraudulent accounts are removed immediately. 

I am enclosing the identity theft letter again. 

I sincerely appreciate your attention and assistance in this matter. I hope the Consumer Financial Protection Bureau can help me resolve this situation and ensure that my rights as a consumer are respected. 

Please provide a written response once you have completed your 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 explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2022-08-22
Company: McCarthy, Burgess & Wolff, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are harassing me over an amount undue. 

They did not properly respond to my 1692 validation demand, despite the proof I have of them having received it ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
My Toyota XXXX was totaled in XX/XX/2022. I contacted Toyota financial about my dent and ding policy to cancel it and I was told I had to go to the dealership. I dont live in the same city as the dealership so I attempted to call but there was no way to get a live person on the phone. I then sent an email to the CEO of the company and was contacted by his executive assistant a month later. She stated that Toyota financial wanted a signed letter with some requested information and it could only come from me. I sent them a fax on XX/XX/XXXX. I have yet to hear from them or receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: NV
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:
EXPERIAN IS CREATING FINANCIAL INJURY. THEY ARE REPORTING A FALSE AND INACCURATE SCORE OF A ( 4 ) TO MY ACCOUNT. I AM HAVING ISSUES GETTING HOUSING BECAUSE OF THIS. I ALSO AM HAVING ISSUES RECEVING A CREDIT CARD. I'M BEING DISCRIMINATED AND VIOLATED TERRIBLY. WILL TAKE TO COURT IF ALL HARD INQURIES ARE NOT REMOVED AND I RECEIVE A SCORE OF XXXX AND BETTER. 

SUCCUSSFULLY COMPLETED IDENTITY THEFT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Their investigation did not fix an error on your report

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: CO
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 have submitted multiple letters disputing inquiries and certified letters the reporting agemcy refuses to remove 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 2023-07-17
Company: Experian Information Solutions Inc.
State: IL
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 am writing this personal statement to address the issue of XXXX that are currently listed on my credit report. It has come to my attention that these XXXX are inaccurately reported and have a significant impact on my creditworthiness. I firmly believe that these XXXX should be removed from my credit report as they do not reflect my current financial situation or creditworthiness.

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