BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: VA
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 name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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

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 2019-10-18
Company: Farrell Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, 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:
There was an account with Prime Acceptance corp that I stated I was not the joint signer on. It was fraudulent. After email the account manager or rep the supervisor agreed to remove these accounts from all of my credit reports, which they did and I still have the email correspondence from this. Now they have sold the account and this has been illegally reinserted on my credit reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have a {$15.00} collection on my credit report from XXXX XXXX regarding XXXX XXXXXXXX XXXX, that is erroneous. I have contacted XXXX XXXXXXXX, XXXX XXXX, XXXX, Transunion company. both XXXX XXXXXXXX and XXXX say they show I owe them nothing. I can't get anyone to remove this.

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 2022-09-12
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I received the attached letter from XXXX Saying they have deleted this account because they could not verify the accuracy of it. On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent letters to all three credit bureaus asking them to check the accuracy of the date filed the case number along with all other items listed on my report. After much research I have found that the bureaus can only verify this information with XXXX. There is no account On XXXX and therefore should be removed from all three bureaus.

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 2017-06-15
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
You r group ( CFPB ) has been absolutely no help with this ordeal. Wells Fargo has used deceptive and fraudulent business practices yet you allow this behavior. When I was approved for the modification 2 years ago, I had to hire an attorney at a cost of {$700.00} because they  approved me for modification and refused to honor the approval to allow me to pay. I had to hire an attorney to force them to honor their approval but it cost me an additional {$700.00}. In addition they increased my payments to the point where it made my payments unreasonable. My payments increased by over 40 %. They have tried to fraudulently speed up the foreclosure by stating I abandoned the property which was a lie. They cited my electricity was turned off which was a lie. They continuously leave these abandoned notes on my door an d on 2 occasions left posted abandonment notes on my door for my neighbors to see. This is a government secured loan and they know they will get paid in full if they simply foreclose. They are stealing from taxpa yers by using deceptive and fraudulent business practices. I will write my local government representatives including  the White House as to the effectiveness of your organization assisting me with dealing with Wells Fargo. Wells Fargo has   made this entire process stressful and now I will now lose my home because of their actions. I have proof and documentation of their illegal behavior at forcing me out of my home.

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 2022-09-12
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV FUNDING LLC has denied my request for Validation. They deleted inaccurate reporting with XXXX, but refuse to remove inaccurate reporting with XXXX and XXXX. 
See Attached Documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-12
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off in XX/XX/XXXX due to covid-19, I was unable to pay my mortgage when I finally was able to pay my mortgage ( XXXX ) then made it a very big hassle to get my mortgage restarted, I have filed multiple loss mitigation applications and I have to call the bank every single day to find the status of anything out, they keep denying my loss mitigation application saying that I'm missing paperwork, even after I submitted everything they requested multiple times. they told me they finally approved my application and then they said I was denief for all repayment plans but did not give any reason as to why.. I'm at the last stage of tge mihaf program in the state of Michigan, i was approved for funding and the bank is just waiting on the money, they are aware of this from me and from the mihaf program who has been in contact with them. I spoke with flagstar bank XX/XX/XXXX and they said that my house was not on auction status but i have seen that it is and supposedly they had put a team together to sort out the mihaf money issue. I have talked to lawyers about filing for bankruptcy which I may have to do if they can not figure out what they are going to do

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 2017-04-13
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Optimum collections agency filed a fraudulent derogatory remark on my credit report with the XXXX credit reporting agency. XXXX XXXX Hospital, XXXX County, NC, neglected to enter the appropriate data into their database.. The emergency room debt, {$30.00}, was paid in full by husband 's XXXX XXXX veteran medical insurance policy that includes family too. The XXXX XXXX Hospital and XXXX XXXX hashed it out and the debt was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I file a dispute on incorrect items on my credit report and it has been well over 30 days and have not received any investigation reports.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I file a dispute on incorrect items on my credit report and it has been well over 30 days and have not received any investigation reports.

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 2017-12-09
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company paid my property taxes and my home owners insurance even though I do not have an escrow account through them. Meanwhile i paid my property taxes and home owners insurance too. Now my mortgage company will not accept my mortgage payments unless I pay them back for the taxes and home owners insurance. I have not received a refund for any overpayment from taxes. I am not nor have I ever been late on my property taxes. This amounts to {$4900.00} and if I do n't pay this amount I will be in default and may lose my home. I have called and discussed this with customer service who admit they do n't understand how this happened. They told me to go ahead and make my regular payments and if and when I receive refund for taxes to send it to them. They then transfer me to payments who will not accept my payments for anything less than {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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 have disputed with XXXX  and Equifax on several occasions about a creditor I have no affiliation with. XXXX XXXX XXXX XXXX  has no legal authority or affiliation with me. I have tried on a number of attempts for them to remove the reporting. They are knowingly hurting my credit standing. They knowingly will not even report any information. I have submitted cancelled checks proving payments. I have provided my court ordered child support documents from the state of Georgia. The Georgia court orders me to directly pay XXXX, my ex spouse directly. I have complied for over 10 years. 

I respectfully request these credit agencies remove this creditor immediately. It is very sad a Government department can abuse their power and authority and knowingly cause harm to an individual from another state that has absolutely no obligation to work with them. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, INC.
State: UT
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 have a {$15.00} collection on my credit report from XXXX XXXX   regarding XXXX XXXX XXXX, that is erroneous. I have contacted XXXX XXXX, XXXX XXXX, Equifax, XXXX  company. both XXXX XXXX  and XXXX say they show I owe them nothing. I can't get anyone to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, 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:
XXXX, LAURORE SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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: 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

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 2021-05-13
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021 My account was switched from simple online bank to bbva compass bank. I was assured my login credentials would work but I'm unable to access my account. I was lied to several times by their call center representatives. I would be told that they can help me or I would be transferred to the correct dept only to be hung up on or sent to the main menu.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
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: Public record information inaccurate

Complaint:
Issues Related to XXXX XXXX XXXX XXXX  : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with XXXX XXXX XXXX. XXXX XXXX was notified of the bankruptcy on XX/XX/XXXX. At that time, XXXX ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with XXXX XXXX. I applied for mortgage assistance several times, and in the process, XXXX XXXX referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with XXXX, XXXX and Transunion. I found that XXXX XXXX reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called XXXX on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that XXXX was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first XXXX representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

XXXX has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the XXXX account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to 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 2017-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed XXXX, XXXX, XXXX and XXXX on my report because of inaccurate amounts that I have battled these companies with over a period of time. I settled with XXXX and XXXX because there responded and decided to settle with me. XXXX and XXXX did not respond and it was removed from my report. Next thing that I realized is the collection agency sold my collection to another agency and submitted it again Equifax and XXXX placed these deleted items back on my report and refuse to take them off. I did my part. I have battled with bad credit for most of my life and I have turned this around and have paid off all of my debts. I am asking that this be removed and not sold again. This is not fair to the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.

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