BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
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: 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2022-08-01
Company: Experian Information Solutions Inc.
State: SC
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:
The inquiriy and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiriy listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX XXXXXXXX XX/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 2022-11-10
Company: Accscient, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Nationwide Recovery Services uses dozens of phone numbers that you can not pin down which one they call from, I know I've blocked at least a dozen or more personally. They have called while I am at work and can not be disturbed by it and have called on weekends. I have seen them call at least 5 times per day, with different numbers and different operators from the exact same company.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-01
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed {$1500.00} for a deposit on an apartment that the lister didn't own. They had a lease, access to conversations I had with another landlord and keys to a place for a viewing. When I wanted the deposit back due to unsatisfactory conditions they refused and I have not gotten my money back. What was listed was not what they had. I reached out to my bank and submitted a complaint through zelle. Anything that could help would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: FREEDOM FINANCIAL NETWORK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Freedom Debt RElief has taken over {$4000.00} from me - charged me over {$2000.00} in fees. They also kept changing my withdrawal dates without telling me causing NSF fees to post to my account and make me go negative. They were not clear on what I was getting into. I had to fight to get them to cancel my program ( asked for months ) and only then did I see the outrageous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter to the credit bureau on ( XX/XX/2022 ). I told the credit bureau to investigate every piece of information on the accounts I have listed below. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA THE TERM Investigation consumer report means a consumer report or portion thereof in which information on a consumers character. General reputation, Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They state my account was verified behind the possible, if they didnt do the proper investigation according to the law. Also I have a piece of information on these accounts are still not report on 100 % accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I also have the 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Ive disputed A collection with TransUnion. XXXX XXXX XXXX XXXX Are reporting my XXXX XXXX account as {$860.00}. The amount owed is {$860.00}. My XXXX  credit report. Shows this same account as XXXX XXXX XXXX XXXX. XXXX XXXX account as {$860.00}. I received a Certified Letter from XXXX XXXX XXXX XXXX today. From the USPS. This Certified document. Shows I owe {$860.00}, not {$860.00}.

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 explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 information was shared without my consent and obtained in a way not allowed by law. 
I sent my first letter off XX/XX/XXXX, second letter on XX/XX/XXXX to remove accounts that are violating my rights and to remove inaccurate personal information that I do not want on my credit report, and third letter XX/XX/XXXX with an identity theft report and inaccurate personal information that the credit agencies are refusing to remove According to 15 usc 1681 I have the right to privacy and confidentiality.

Also according to 15 usc 6802, a financial institution is not allowed to share any of my private non public information with a non affiliated third party. 

These are clear violations of my rights as a federally protected consumer under title 15 chapter 41

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 2022-09-28
Company: EQUIFAX, 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: 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 homeless  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was notified by a lender of debt on credit report as a result I reached out to the company and disputed the account as I didn't have a homeowners policy with XXXX XXXX. I contacted XXXX XXXX and both companies told me that if I could send proof with declarations from a different policy they would remove the debt. I have requested validation from XXXX XXXX and the collection agency specifically a signed contract/policy with my signature. What XXXX XXXX sent is backdated for XXXX but dated XX/XX/XXXX and without my signature anywhere. XXXX XXXX is only sending invoices which anyone could produce without a contract of anyone owing or obligated. There was no mutual consent, meeting of minds, nor an offer and acceptance between myself and XXXX XXXX. For approximately XXXX months emails were sent pleading with me to sign homeowners documents. As of today I still have not received any validation from the collection agency despite my requests. When I disputed the debt in XXXX, they didn't send validation. Today, I was told I would receive whatever they had in XXXX weeks but in the meantime with multiple hours of life wasted this fraudulent debt is costing my family more than the XXXX but tremendous distress anxiety and XXXX hospitalization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX  XXXX XXXX XXXX Owed : {$310.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2022-12-12
Company: Experian Information Solutions Inc.
State: MO
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This XXXX Complaint is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

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 2022-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Failure to provide notice within 30 days that mortgage had been transferred. 

AutoPay was cancelled due to mortgage transfer, causing a delay in payment posting. 

We called our prior company and was informed that a notice had been mailed, however, we never received said notice. 

There were never any notifications, emails, correspondence, or evidence of this transfer other than this " goodbye letter '' that they claim they mailed on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: U.S. BANCORP
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I took a loan for my XXXX model y, XXXX from US Bank. The loan was paid off on XX/XX/XXXX. 
US bank took ten days to process the loan payoff and issued a title release to the department of motor vehicles in the state of Nevada. However instead of releasing the title to the owner of the car ( XXXX XXXX ), they issued the title to themselves. 
The title was shipped from XXXX on XX/XX/XXXX to a XXXX XXXX XXXX Ohio which belongs to US bank. 

We have called US bank multiple times to address this issue and have not gotten a clear response. Someone from their end has made a mistake and now they are refusing to acknowledge that they have the title. 

Nevada XXXX issues titles only once a month and it's not easy for us as owners to request a new title and XXXX has indicated that we may have to wait until XXXX next year to get a new title due to the current backlog. 

I took a deposit for my car and needed to sell it and because US bank is refusing to return our title, the sellers are backing out. The value of used cars have since depreciated significantly. 
US Bank hasn't shown urgency in this matter and have given us quite the run for our title and money. 

On multiple calls with US bank, I have received different information from them. Their records are not up-to-date and the customer representatives lie to us about when the lien was actually released to the XXXX. They say that lien was released recently on XX/XX/XXXX when I have proof from US bank that lien was released on XX/XX/XXXX. I have attached the copy to this complaint. They even refuse to acknowledge it and say that it's impossible for them to receive the title. US bank has failed to investigate this issue on their end and put accusations on XXXX and us. 
XXXX on the hand has confirmed multiple times that US bank identified the XXXX XXXX XXXX Ohio as the address for sending the title and not the owners. 

We want our title ASAP and US bank should pay the difference of the money we would be losing on our car since they have held on to our title for so long. I am expecting around {$8000.00}. 
Kindly address this issue and respond ASAP. Our next step would be to send a demand letter and a formally file a suit and complaint against US bank.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX U.S.C 1681 Section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-12
Company: Experian Information Solutions Inc.
State: GA
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 XXXX/Experian/XXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX  XXXX Balance Owed : {$140.00}

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 2022-12-12
Company: Weber & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: United Shore Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage Company is United Wholesale Mortgage during refinancing for some reason my insurance company did not pay my insurance to this Mortgage company. The underwriter said the Notice to my insurance company did not so for 3 months it was not covered. They demanded that I pay XXXX for insurance with them 3 and half times what any other insurance would cost anywhere. I then talked with them and agree to pay XXXX of 3 months and then gave the proof of my new insurance is paid in full. They told me at that time if I paid their insurance they would remove their insurance off my bill they did not. In fact, that told me I will have to pay and increase payment from my payment of XXXX to XXXX and this would be thill there XXXX is paid off and it will force me to pay my insurance. Better known as blackmail. I have been paying my mortgage every month and have not missed a payment only to find out they are only taking the money for principal and not paying the interest on the loan. so it causes me to have a partial payment and they are trying to charge me Late charges as well of {$39.00} but I was never late at all. I have never missed a payment on anything in years no less than 25 years Taxes are paid out of pocket and on time there is no reason for them to take any Escrow on this loan it is a VA Fix loan I am a 100 % XXXX vet on a fixed income and they are just ripping me off. I must be a good payer I have a credit score of XXXX. No late payment everything is on Autopay or paid in full at the time of payment. I have to remove UWM from auto Pay because I fear they remove the money they are illegally trying to get. The XXXX dollars they are trying to take would be a problem for me with the economy being as it is. that money paid for the Gas I need to go back and forth to the XXXX 3 times a week. They are trying to force me to pay money they should not get I need your help right now they are trying to make me pay an additional {$2000.00}. on top of the {$990.00} or {$72.00} extra months this robbery and wrong. If I can't get help from you I will have to go to court for so remedies which to lawyer already recommended I do because they are in violation of the laws. I hope you can help I can't afford to go to court but if you can't help me I have to. 

Thank You

Company response to consumer: Closed with explanation