BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-21
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a official complain against Loan Care Address : XXXX XXXX XXXX XXXX PA XXXX Mortgage # XXXX My mortgage was sold to Loan care the mortgage was transferred from XXXX after they went bankrupt. I still haven't received any letter on time when my mortgage is due letter received 2-3 day before payment is due. Loan Care want me to pay 2 payments in one month out of any reason and refuse to provide answer why need to be payd 2payments. Just for the record I do not have missing payment According to letter from XXXX I receive mortgage payment will be the same no changes to escrow, monthly payment or home insurance will be made from Loan Care all will be the same. Loan Care recalculates my mortgage payment out  of any reason. My monthly payment w/XXXX was US $ XXXX.The payment w/Loan Care need to be the same. This company asks me to pay US {$1300.00} monthly no letter is received why. I pay the US {$1200.00} each month to Loan Care and still to pay the same payment every month after mortgage is sold to Loan Care. 
After I make complain to CFPB they refuse to provide letter and provide clear answer why my payment will be different. I believe that this company breaks the low. After I made complain against LoanCare on CFPB now they send me letter and tell me that my escrow is shortage. For sure they delay to posting payment on time to my account probably they fail to make payment on time to properly taxes and insurance all together. I am writing to bring to your attention a serious issue This company need to provide How much will be my monthly payment, need to provide information about escrow, taxes insuranceI am very disappointment and will report this company to attorney general and will ask other Government agency FHA I will contact to NJ Division of consumer affair, FCCA US Department of housing HUD Federal Reserve My taxes escrow need to be review taxes. I do not want to be consumer on this worst company. This company breaks the law. I can't say enough bad things about my experience. I had a very difficult time with loan care. I need help to get out from Loan Care 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 2022-08-15
Company: Experian Information Solutions Inc.
State: TX
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 have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX  XXXX experian, XXXX and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did. Due to the privacy act of 1974 it is very illegal to obtain and share any of my information without notifying me first, Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance per federal law 15 USC 1681n .

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, I tried getting my free credit report. However, they were unable to provide it. Instead, Transunion directed me to 'verify ' my identity which included putting my credit card in. They charged me {$25.00} and {$30.00} subsequently without notifying me. I still do not have my credit score.

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 monetary relief
Consumer complaint received 2017-04-20
Company: Delbert Services
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX with XXXX XXXX XXXX has been harassing me about a debt that was included in my bankruptcy in XXXX 2015. They have been calling my mother 's home also threating to take me to jail and it has been going on for months.

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 2021-12-15
Company: WELLS FARGO & COMPANY
State: WA
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 give authorization for Wells Fargo to move forward with this complaint. This account is currently in litigation in a Federal Court suit against Wells Fargo Auto. The account went to litigation due to a billing error that was ignored by Wells Fargo. The account is being reported as late to the credit reporting agencies despite the fact that the entire balance of the loan is in Billing Error status. This is an adverse action and defamation and an extortionate act against the Federally Protected CONSUMER. The consumer is awaiting the courts signed summons to issue to Wells Fargo.

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 2019-12-21
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:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. XXXX XXXX Copied from the affidavit attached ) **** Alleged Account XXXX : XXXX XXXX auto Alleged Account # : XXXX Alleged Account XXXX : XXXX XXXX Alleged Account # : 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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a dispute to the bureaus on XX/XX/2021 regarding inquiries that I have not authorized. There are no physical signatures of mine on any applications nor do I have any open accounts on my credit report reflecting these! Since the bureaus didn't respond to me in 30 days, I sent another dispute on XX/XX/2021 and again today, XX/XX/2021. It has been almost 5 months of disputing with not 1 response from the bureaus. This is unethical, unprofessional and wrong that the bureaus are not doing their part!

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 2019-12-21
Company: U.S. BANCORP
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On the XX/XX/2019. Someone stole my debit card mid night and I was trying to call the number XXXX that they said it XXXX fraudulent number services no one could not respond untill the next day I did check my account online and I found someone doing cash back of total {$1200.00} at XXXX XXXX. And I did file police report and I did file a claim withy bank ( USbank ). And later they reject my case even though I was able to know who stole my card and I had to file a complaint about the person at court also. So I need my money back and let the company take legal action to the person and I will help them get the person.

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 2019-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have continuously reached out to PORTFOLIO RECOV ASSOC. Via online disputes and by certified mail. They refuse to provide appropriate investigation and research results showing debt belongs to me. Amounts disputed I owe {$980.00} ] in [ XX/XX/XXXX ] and [ I owe {$2800.00} ] in [ XX/XX/XXXX ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion is reporting  XXXX  separate  XXXX  energy accounts in my name in  XXXX , Texas.     I and my husband have lived in Nevada and I am attaching property records from  XXXX   XXXX  of the condo we live in currently since   XXXX  .     I have never done business with  XXXX  and this information needs to be removed as  XXXX  has not responded to me with proof that these accounts are mine, no papers with signatures or phot o IDs.      Why there are  XXXX  accounts opened on the same day is beyond me and why they would allow that is also beyond me when they should have pulled a credit report and would see that I live in Nevada.     Please instruct th  e Credit Reporting agency to remove this from my credit report immediately.
Regards,    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 2017-04-17
Company: CORELOGIC INC
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I applied with   XXXX   XXXX   whom use Corelogic to do background checks however I was denied due to too many tenant cases filed which was rectified by my bankruptcy attorney however with this company they keep reporting incorrect information which is preventing from getting a few apartments that I want. As result can this company be investigated for poor reporting practices ... I am sure I am not the only person whom have been defamed by this company is it possible to file a class action lawsuit?

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 2017-04-17
Company: LEXISNEXIS
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Seemingly out of no where, Lexis/Nexis is reporting to my bank (   XXXX   XXXX   XXXX   )  that I am " deceased ''. Using information supplied by Lexis/Nexis,   XXXX   XXXX   XXXX    cut off my credit and debit card and froze my home equity lines. .  XXXX   XXXX   XXXX   has done an excellent job in reversing these errors and getting my card and line access reinstated. I reported this issue to Lexis/nexis and they said they would review my case but it would take up to 60 days. ( Lexis/nexis number  XXXX  ) However, as of   XXXX  , LexisNexis continues to report that I am " deceased ''. I am very concerned that this continued report of erroneous data will impact my other banking relationship, credit etc.    I want Lexis/Nexis to fix their reporting issue and stop providing this erronerous info about me to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: LEXISNEXIS
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:
XX/XX/2021, Lexisnexis I am responding to a email that is attached to this complaint. You asked me to send a clear copy of your driver license, social security card along with your most recent utility bill or credit card statement indicating your current address. I have attached my license, social sercurity and utility bill. I AM DISPUTING A BANKRUPTCY YOU HAVE ON FILE. I WANT TO KNOW THE SOURCE THAT GAVE LEXISNEXIS INFORMATION ABOUT MY BANKRUPTCY. MAIL ME THE THE SOURCE/COURT THAT LEXISNEXIS RECEIVED THE BANKRUPTCY FROM. Mail this informatio to XXXX XXXX XXXX, XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** Alleged Account 1 : XXXX  XXXX XXXX Alleged Account # : 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 2017-04-21
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Got a letter on in   XXXX   XXXX   XXXX     from a bill collector by  Midland Credit Management stating that I owed  XXXX  back in1 XX/XX/XXXX  which they could not verify. When I asked to by whom they could  n't give me and exact person of who I owed the debt too or for what for. Also what was odd that if I did my husbands name was n't even included in this which is odd cause if for any huge amount  XXXX  as that they would have my husbands information also which they did n't they just stated it was just my  name.They the n asked me if I had been a victim of identy theft in the past which I was but do not know how they came about that information but they said that they would investigate which I did n't ask them to do. After getting off the phone with the customer reprensentative I looked into this company with the better business bureau and saw numerous complaints filed again this company about false claims and they also had a lawsuit that was filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have reached out to the credit bureaus about false information being reported, They refuse to remove the accounts that don't belong

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights.

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681Section 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

This is a violation of the No Surprises Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have not received any confirmation on how you have verified the alleged account ( XXXX ) attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** 30 days have pasted and I did not receive proof that account XXXX XXXX XXXX is accurate. And therefore this account should be removed. 

XXXX Account XXXX : XXXX XXXX Account # : 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 2021-05-18
Company: EQUIFAX, 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:
There are incorrect hard inquiries reported on my credit profile to Equifax. I did not authorize those inquiries. They are as follows : 1. XXXX/XXXX  date XX/XX/2019 2. XXXX XXXX date XX/XX/2019 3. XXXX XXXX/XXXX  date XX/XX/2019 I want these inaccurate and unauthorized inquiries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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:
I CHECKED MY CREDIT AND NOTICED THAT POSSIBLE FINANCE PLACED A FRAUDULENT ACCOUNT ON MY PROFILE WITH XXXX AND TRANSUNION FOR THE AMOUNT OF {$60.00} PLACED LATE PAYMENTS ON THIS ACCOUNT AS WELL. THIS ACCOUNT SAYS PAID BUT XXXX IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED! I ALSO SAW THAT THERE WAS XXXX STUDENT LOANS THAT WERE PLACED IN MY NAME THAT ARE ON MY PROFILE AND IN FACT FRAUDULENT! THOSE STUDENT LOANS ARE DP OF EDUC DPT ED/NAVI! NEXT, I GOT AN EMAIL ON XXXX THAT MY INFORMATION HAS BEEN CHECKED AND I HAVE RECEIVED MULTIPLE INQUIRES THAT AREN'T MINE AND IN FACT FRAUDULENT! THE INQUIRIES ARE FROM XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LASTLY I HAVE A FRAUDULENT INQUIRY FROM XXXX XXXX XXXX FROM XX/XX/XXXX ON MY XXXX REPORT. I HAVE NOT APPLIED FOR CREDIT ON XX/XX/XXXX OR XX/XX/XXXX! 

I WILL BE SUING FOR DAMAGES IF THESE ACCOUNTS ARE NOT REMOVED 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