BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX, TRANSUNION, AND XXXX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. They failed to do there job, which is causing severe damage to my character and my life. Ive sent them multiples of letters and they failed to do their investigation. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.

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 2022-06-06
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX our monthly payment for our mortgage was processed like normal. That was until loancare sent a letter stating the payment was never recieved and that we've defaulted on our home loan. I've reached out countless times to try and figure out what happened. They've told us at least 15 different things. We were told if we send in bank statements that it would resolve the issue. We did that. They changed their minds and said that would no longer suffice and to send in a bank transmittal report so they could track where the payment went. We did that. A cashier with loancare decided that payment was never recieved. Our bank has told us numerous time that the money wad taken out of my fiances account and it was never sent back like loancare claims it was. Loancare claims that there were insufficient funds and the bank was sent the payment back. XXXX XXXX  denies this and said no money was ever returned to his account. We've tried countless times to get loancare and XXXX XXXX  to give us a solution. This is all happening while we're being told that we risk losing out house to foreclosure, our credit scores are rapidly declining, and this caused emense stress for my family. We get XXXX letters a week but not XXXX documented callback for case managers, supervisors etc. I need help and we've consulted with a lawyer and he has said this complaint is the last resort before filing legal claims against loancare.

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 2022-11-25
Company: Experian Information Solutions Inc.
State: MS
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 company posted a hard inquiry that doesnt belong to me. I didnt inquire.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed these public records with XXXX XXXX and they refused to remove the public records, they advised they verified the information, I Sent a letter to the XXXX XXXX of Michigan courthouse and I asked if they report bankruptcies To the credit bureaus, they said they do not report to anyone how did they verify this was accurate. According to section 602 states that I have a right to privacy 15 UCC 1681 604 a section 2. They never did a fair investigation according to US C 15 181 section 603E which states the term investigated consumer report or portion thereof are obtained through personal interview

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 2022-08-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed these public records with XXXX XXXX and they refused to remove the public records, they advised they verified the information, I Sent a letter to the XXXX XXXX of Michigan courthouse and I asked if they report bankruptcies To the credit bureaus, they said they do not report to anyone how did they verify this was accurate. According to section 602 states that I have a right to privacy 15 UCC 1681 604 a section 2. They never did a fair investigation according to US C 15 181 section 603E which states the term investigated consumer report or portion thereof are obtained through personal interview

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-06
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:
I put in a dispute for a loan that is not mine and thats shown on my credit report that shouldnt be on my credit from ( XXXX XXXX ) on XX/XX/XXXX to all 3 credit bureaus. The account belongs to my father who has the same name, the Loan is under his business XXXX XXXX XXXX XXXX ) which I have nothing to do with, under his address, and his phone number. I never signed anything for the loan, never gave an id and the loan company isnt doing anything to correct this and neither is the credit bureau. For some reason my Social was somehow used for the loan but me and my father have been trying to get it in the correct name aka his name and the correct account and off of my credit since I have nothing to do with this loan as it is incorrectly reported and affecting my credit. The financial loan company has incorrectly put a loan in my name that needs to be removed as soon as possible as I never authorized anything and it is not my business, or have anything to do with me. The account needs to be put in his name and off of mine. My father even sent an email to the companys dispute department explaining that its his loan and should not be in my name and they still havent done anything about it. Its been over a month and nothing has been addressed as this loan is false reporting and fraud on the creditors end since I did not have any knowledge, sign, or give any of my 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 2023-10-05
Company: Sequoia Financial Services
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested to be sent a letter to validate debt from this collector as I was never sent a debt validation request letter from this creditor which is a violation of the FDCPA, also in the letter that they did send that does not validate this debt in any form they did let me know theyre charging interest under a California civic code which holds no jurisdiction in the state of Colorado nor have I ever entered a legal binding agreement with sequoia financial services. I also had seen they are referencing an address in Arizona, which I have also never held residency in any other state thanXX/XX/XXXX so this debt all seems very strange.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Please help! I have filed multiple complaints and customer inquiries with Freedom Mortgage and no one can explain why my mortgage continues to go up every 8 months. My town taxes have not risen nor my home owners insurance. My mortgage was sold to Freedom Mortgage and it has been the worst experience financially. I put a large sum of money down on my home. I beleive there are deceptive and padding practices going on within Freedom Mortgage and I would like full regulatory audit performed. I would also like a detailed explaination of why my mortgage payment has risen {$200.00} in 16 months. 

Thank you in advance for your help! 
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 2022-08-21
Company: EQUIFAX, INC.
State: SC
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:
Strartin 0n XX/XX/XXXX and continuing on at a once a week rate until now I have been disputing the way that the XXXX XXXX file is listed on my report.I have listed, I have phoned in more than 10 times ( to each bureau ) and filed cfpb complaints stasrting back on XX/XX/XXXX in wich XXXX was the only of them to respoind but in wich they totally elluded my statement of their rep speaking to me on more than 1 occasion stating that if they did not have to use the resourses to repo and i did what they asked and found alternate financing that the account would not list in a negitive manor, it would list as 'closed paid in full ' and the fact that they list it nit only as a charge off completly what they said they would no they list it as less than full and I was issued a 1099 for any diffrence the trade in did not cover so that constitutes " paid in full " but no one has even acknowledged that either. 
*****According to the FCRA any and all evidence used against me to make a finding of a dispute of any reason, SHALL be submitted to the consumer upon request!!! ****** If I am correct they provide 5 days for acknoledgement of request and 30 days for responce, and i have recieved neither from any party iunvolved .At this point it appears to be a case of the credit bureaus and XXXXXXXX showing willfull knowing neglect of mt rights gaurenteed to me by the FCRA Iam enclosing for evidence screen shots of the complaints and dated and these are just 2 there are more and ask the cfpb rep handeling this complaint ask ( if nessicarry ) for the massive amount of disputes related to this 1 topic sir/maam there should be at least 20 per bureau The bureau are also gulty of violating my rights by refusing to block a file submitted by police report until the investigation wich According to the Fcra 605 ( b ) upon recipt of the police report filed with the ftc the consumer reporting agency SHALL block all files included in the report until said investigation. I sent a report on XX/XX/XXXX and the reporting agencies ( all 3 ) said they would not block them wich is a clear violation of my rigghts I am asking for {$1000.00} per violation on the reporting agencies and XXXX for failing to provide evidence or thoroughly investigate and that the exeter file be perminatly deleted and all files submitted in the police report be perminatly deleted and {$1000.00} per violation for the supression of my rights and damage they have let go on to my score despite my request to block fradulant accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX  XXXX {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting a wrong address : XXXX XXXX XXXX XXXX Ive made many attempts to reach Experian about this issue they have also exceeded their time to respond to matter

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 2022-08-22
Company: Santander Consumer USA 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: Credit inquiries on your report that you don't recognize

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 can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had this credit card and XXXX other cards with capital one. In almost 7 years they have given me 1 credit line increase on accts ending in XXXX, XXXX, XXXX and business card XXXX. My bankruptcy will officially be of my credit as of XX/XX/22 after 7 years. I requested credit line increases on each card and now I get denied because " recent use of existing card has been too low '' So after 7 years with credit score of XXXX and 100 % payment history now I'm penalized because I keep my debt-to-income ratio below 4 % debt. They allege this card was to build credit and they have not allowed me wo do that due to their low credit lines of no more than {$1300.00} AFTER 7 YEARS OF EXCELLENT PAYMENT HISTORY. They refuse to offer me the benefits they promise with building credit. Because their credit lines are so low compared to my other credit cards, I can't utilize their cards because it'll increase my debt-to-income ratio. Even though these have been my longest existing credit cards credit lines are the lowest. They have NOT done periodic reviews for the past 7 year except one that I requested that lowered my credit rating due to a hard hit. after their refusal to give me credit line increases

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This negative item does not meet XXXX reporting requirements. I have already paid whats due for this credit program. Delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I have asked XXXX, Equifax and XXXX to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, for incorrect reporting on my credit. I have also requested for XXXX, Equifax and XXXX to remove these account : XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information.

15U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent.

15U.S.C 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681c ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX, XXXX and Equifax have failed to send me an update on the dispute I submitted. I called XXXX, XXXX, and Equifax and they have declined to send me a letter providing me an update of my dispute. When I asked them what information did they request from the creditors I am disputing on my credit, XXXX response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide general account information, not pertaining to my dispute. When I called XXXX they provided general information on what they do on a dispute which was not helpful. Equifax have also refused to send me the letter of the status of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX  XXXX XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX  XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.

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 2023-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX continue report old account to equifax. they violated FCRA 7 years rules

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

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 can not furnish a account without my written instructions.

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

Company 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 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents.

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