BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 'm at my wits end with these credit bureaus! I need help from someone before I get my attorney involved! I have accounts that are being reinserted on my file that were deleted previously. Some of them have been deleted and then reinserted and then deleted and then reinserted, etc. Each time they reinsert, I write to get them removed again. i am a victim of identity theft and all of these accounts were on the police report. I am so tired of this. At no time EVER did they notify me of the reinsertions, therefore, they must be removed solely based off of that! You will find the disputed accounts in the attachements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX, has violated my rights. 

15 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 a account without my written instructions 15 U.S.C 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 2022-04-11
Company: EQUIFAX, INC.
State: DC
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:
Unauthorized inquiries on my Equifax credit report that I dont recognize with names and dates as follows : 1. XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX - XXXX XXXX - XX/XX/XXXX 7. XXXX - XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX  - XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX XXXX  - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer 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 2016-11-24
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have received a letter from XXXX about Green Tree Servicing. I am responding by saying I have never received a check in the mail.I have called and spoke to someone about it. Maybe I 'm not at the right website but I would like to make a complaint about them. I understand that times I have been late and my credit is not that good but they have harassed me for years with nasty threatening phone calls. My account is always messed up causing lots of late charges. I have tried to make arrangements to correct my account unsuccessfully.Thank you for bringing this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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:
Today XX/XX/2020 I recieve a phone call from a XXXX XXXX representative ( see attachtment ), regarding my previous complain true the CFPB and stating that what they send me was a contract between my person and XXXX XXXX. 

I repeat once again : I am requesting original and direct signed contract between my person and XXXX XXXX XXXX  and signed agreement or contract between XXXX XXXX XXXX  and XXXX XXXX XXXX that shows for how much this account and all my Confidential Personal Information has been sold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my report. It has been over 45 days and i have not received a response yet. I feel like i am being taken advantage of and being ignored for my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days give a reason to immediately delete those items from my credit report and it has been over 45 days so they should be deleted right away. If these accounts are not deleted I will have to file litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands. I have reported the theft of my identity to the Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Around the year 2000 I had a debt account with Bank of America. I was not notified about an overdraft and I was charged around 35 dollars a week I believe. So I ended up paying the bank {$600.00}.

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 2022-08-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a duplicate complaint. My name is XXXX XXXX XXXX and I am submitting this without any influence from a third party or agency. Please see attached documents as it contains my full complaint and requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent a letter to Credit Bureau certified in XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from Equifax and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX XXXX : {XXXX} XXXXXXXX XXXX  XXXX Balance XXXX {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX XXXX : {XXXX} XXXX XXXX Balance : {XXXX} TRANSUNION : XXXX XXXX XXXXXXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX Balance XXXX {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX : {$XXXX} XXXX XXXX Balance : {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 non-monetary relief
Consumer complaint received 2016-10-31
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
AS IS REPORTED BY YOU OFFICE DITECH IS NR XXXX OR SO ON THE LIST OF THE U.S. WORST COMPANIES FOR COMPLAINTS OF FRAUD BY CONSUMERS. MY LOAN WAS ORIGINALLY WITH XXXX WHO TURNED IT OVER TO XXXX, WHO TURNED IT OVER TO GREEN TREE WHICH IN TURN WENT UNDERGROUND AND BECAME DITECH. XXXX ITSELF IS NOT MUCH BETTER. MY LOAN IS A SIX AND ONE HALF PERCENT LOAN WHILE THE REST OF THE U.S. IS IN THE ONE TO TWO PERCENT RANGE. IT IS A NO RISK TO DITECH XXXX XXXX LOAN.. I HAVE REPEATEDLY ASKED FOR AN INTEREST ADJUSTMENT BY DITECH XXXX AL. THIS IS A XXXX COMPANY WHICH ALSO OPERATES UNDER THE " DO IT TO OTHERS BEFORE THEY CAN D IT TO YOU '' COMMANDMENT AND THE BUSINESS MOTTO OF '' PREVARICATE, CHEAT AND PURLOIN '' THE LATEST COURT ACTIONS ARE PART OF THE CONTINUING EFFORT LOAN COMPANIES TO PERSECUTE XXXX XXXX AND THE CFPB, THE ONLY GOVERNMENT AGENCY THAT TAKES THE SIDE OF THE TAXPAYER AND CONSUMER. 
THE CONGRESS ITSELF IS PUTTING IN MAJOR EFFORT TO AUTHORIZE LOAN COMPANIES TO DRAIN THE BLOOD OF THE TAXPAYERS. I WOULD BE WILLING TO BE A WITNESS FOR CFPB AT ANY CONGRESSIONAL HEARING ON THE SUBJECT. DITECH EFFORT AGAINST ME IS ALSO XXXX ABUSE AND AGAINST CIVIL RIGHTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CBC Companies, Inc.
State: CT
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 have never had business with this company, I have contacted the company.I learned this a mortage company, I have never had any dealings with this mortage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX, XXXX XXXX  purchased my mortgage from XXXX XXXX. 

On XX/XX/XXXX I received multiple alerts from my credit monitoring services that I had received a hard inquiry on my credit report. This was performed on Equifax Mortgage Services ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, IA XXXX ; XXXX ) on behalf of XXXX XXXX  ( XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). 

On XX/XX/XXXX or XXXX I called XXXX XXXX ( XXXX ) to report what I believed to be a fraudulent pull of my credit report. XXXX XXXX  mailed a letter dated XX/XX/XXXX indicating that they were investigating the report ; XXXX XXXX  mailed another letter dated XX/XX/XXXX indicating that they researched my account and found nothing wrong. I also received a letter in the mail dated XX/XX/XXXX " Notice to Home Loan Applicant '' with XXXX and Equifax 's contact information and my credit scores. 

I called XXXX two times on XXXX. On the first call, XXXX 's mortgage department told me that I would need to take this up directly with the credit bureau. I called XXXX  who told me I needed to request a " letter of deletion '' from XXXX or my local police station. I called XXXX again on XXXX, and the individual I spoke with indicated that they did not have a record of pulling my credit in conjunction with my existing mortgage, but that I should talk to their loan application department to see if there was a loan application there. 

I then proceeded to call Equifax Mortgage Services directly, and they told me that I'd have to request the letter of deletion from XXXX, but that they were requested to pull the credit in conjunction with my existing mortgage with the " loan number '' aka my existing mortgage with XXXX, the same loan number that XXXX denied that any credit pulls were associated with. 

At this point, XXXX is still refusing to admit that they performed a hard-inquiry on my credit report, despite it being reported on all three credit reporting sites and confirmed by their servicer, Equifax Mortgage Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my Equifax Report and Found a collection account from XXXX, I notified both XXXX and Equifax that these are Fraud and asked Equifax to block this account under FCRA Section XXXX and XXXX ( a ) ( XXXX ). Equifax failed to respond and did not follow the law and blocking these accounts that were setup as a result of my id information being used Fraudulently. I included the US DOJ Case # XXXX in my complaint, the DOJ arrested a person that has all of my info and also Fraudulent ID documents of mine and were selling it off to other people as well!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a long-time FHA home loan with XXXX XXXX XXXX with no problems. I had a perfect payment history. Unknown to me, the loan was transferred to a servicing company called Green Tree. Apparently, XXXX XXXX XXXX at first was forwarding to Green Tree the payments I continued sending to XXXX XXXX XXXX. Over a year ago, unknown to me, XXXX XXXX XXXX stopped forwarding my payments to Green Tree, did not tell me and I then received letters from Green Tree ( I thought these were " junk mail '' ). Eventually, I opened one and it stating my mortgage was in default. This was quite a surprise to me since I was sending my payments to XXXX XXXX XXXX. I had to pay a large penalty and foreclosure fees. Green Tree did not send statements to me, or payment coupons, or information about where to send payments, even after my repeated requests. I then sent payments to the address listed on their website, which they stated was the wrong address. Although Green Tree did cash some of the checks, they did returned some others. They claimed there were penalties owed, which I disputed. Now Ditech has the loan ( I do n't know when that happened or if that is a sister company of this Green Tree entity ). They are attempting to foreclose a second time. Ditech is now trying to foreclose.They have ruined my credit due to their fraudulent acts. I am a XXXX, and this matter is effecting my health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX   XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX Bankruptcy Chapter XXXX- discharged 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 2022-04-11
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am a merchant who processes credit card tranactions in the course of business . Hunter Warfield is  a commercial collection company attempting to collect a debt on behalf of  XXXX   XXXX  leasing, a company which leases equipment to such merchants. The dates of service originates with the original agreement dated  XXXX , and which was terminated upon closing of a business on  XXXX . Unknown to  Hunter Warfield, t he attempt to collect monies by  XXXX  is based upon fraudulent documentation. This is being dealt with through separate complaints with the CFPB anf the FTC. I have notified Hunter Warfield of my action in a recorded conversation ( names and dates on request ). There was no attempt to rectify the situation, as the representative simply said " have a good day '' and hung up, which I expected. The collection company is simply acting as directed. In correspondence from  Hunter Warfield,   they threatened collection efforts to negatively impact my " credit worthiness '' ( which is sterling ) due to my " delinquency, '' as well as threatening litigation. I informed them that they were acting on a false premise, and it is expected that they will act accordingly. I am in possession of all pertinent documents, names and dates

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief