BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Balance Owed : {$70000.00} DEPTEDXXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$71000.00} DEPTEDXXXX XXXX  Balance Owed : {$11000.00}.

Company response to consumer: In progress
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: KS
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX I tried to obtain a loan to purchase land, at that time i found out that Kohls showed a closed account for the amount of {$2700.00}. Also noticed a few other discrepancies so i contacted the credits bureaus to get those resolves, wrong names, wrong social was attached, wrong address, a few other listings that were incorrect that were resolved amiable once the credit bureaus or myself reached out after the dispute. Prior to the checking of my credit report in XX/XX/XXXX I had no prior knowledge of said debt to Kohls, I did have an account many years ago but I closed it and paid off the balance which was never much a couple XXXX ( XX/XX/XXXX ). After trying to dispute with the credit bureau my lender told me to contact Kohls to see what could be done, On XX/XX/XXXX I called, the gentlemen was not pleasant and asked why dont you pay your bills Advised this wasnt my debt and I requested that Kohl verify this was in fact my debt. He advised records couldnt be pulled over 10 mths they purge them, he offered me a deal of half of the {$2700.00} to resolve. I told him I couldnt justify paying that much for a debt that wasnt mine, he said nothing more he could do. I called my lender ( trying to make a land purchase ) they advised trying to settle I couldnt get the loan without it, as a dispute could take months. I called back on XX/XX/XXXX to try and settle, explained the situation and offered to pay {$600.00} of a debt that was not mine to resolve, he laughed and said had to be {$1300.00} since the account was closed. Asked to speak to a manager which he told me couldnt be dont do to Covid he would have to get one to call me within 48 hours and offered to send a letter of the debt. I sent a letter with no response. I called XXXX and begged for help, they told me to contact you CFPB for help. I lost my loan because a Kohls said I owed them money with no proof none Ive always paid my bills, if I owe money to someone I pay it I still do this day do not understand why the loan was denied for this one glitch but apparently it sticks out like a sore thumb. Until XXXX Kohls has not contacted me regarding an outstanding balance and I dont understand how they can justify thousands of dollars being owed with no proof, no contact but they can ruin everything I worked for. It seems to me not to be right. Can you please help me or point me in the right direction?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
I want this information to be completely removed from my credit report, it does not belong to me. 

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 2023-08-08
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: WI
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 Account # # # # # # # 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 2022-06-16
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told if I paid it they would remove from my credit report. Paid it but it didn't come off. I reached out multiple times and go no response. Try calling again, XX/XX/22 but still got no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with XXXX TransUnion, and XXXX on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.

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 2019-09-15
Company: Experian Information Solutions Inc.
State: CA
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 have requested copies of any and all contracts with the company and none have been produced to evidence that I have an account with the company and I never executed a contract with the company. The mail sent to the address listed on two bureaus is returned as undeliverable. The company reports on my credit report ALL of the following as the status of the alleged account : Closed - charge off but continues to report FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On another Bureau - the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt placed for collection & Skip as well as FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On the third bureau the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt These actions are all inconsistent with one another. I have attempted to investigate this company and it appears that it went out of business therefore the reporting can not be accurate.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-09-15
Company: Experian Information Solutions Inc.
State: NY
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 believe that an old account I had with XXXX XXXX  XXXX XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX   XXXX XXXX has reported the account as a permanent charge off status, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX   has with each credit reporting agency respectively.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
THIS HAS BEEN AN ONGOING ISSUE FOR MONTHS. THE 2 ACCOUNTS THAT I AM DISPUTING ARE A RESULT DUE TO IDENTITY THEFT/FRAUD AND I DID NOT AUTHORIZE THEM. PER 15 USC 1681B YOU ALL ARE BREAKING THE LAW, FURNISHING INFORMATION THAT DOES NOOT BELONG TO ME. I DID NOT GIVE YUOU ALL INFORMMATION TO FURNISH ANYTHING. LET ALONE WRONG AND FALSE INFORMATION AT THAT! I WILL GIVE YOU ONE MORE CHANCE TO GET IT RIGHT BEFORE I REPORT YOU ALL TO THE BETTER BUSINESS BURUES AND ATTORNEY 'S GENERAL.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i previously contacted TRANSUNION, XXXX, and XXXX about my consumer report having incorrect information as a result I have not received any updates to my consumer report. 

closed account : XXXX XXXX XXXX : which is listed as 42 % paid on time and 7 late payments which is FRAUDULENT i never missed a payment and the debt was paid on time every month i even paid this debt in full 5 years before the loan was due to be fully paid. 

fraudulent inquiries : XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-12-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a modification in XXXX. I then fell behind on my mortgage XXXX, XXXX. I had some home repairs that needed to be done to keep the house in livable. Due to this I fell behind on my mortgage. I have applied for assistance 3 times and be denied each time. Each denial has come with the reason that my loan is ineligible for assistance. The lender told me it was due to my prior modification. I have reviewed the prior modification and can not find anywhere where it says that I would no longer be eligible for any assistance in the future. I would like to be reviewed for help as I think I can prove affordability. They offered me a repayment plan that was not affordable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 I sent a dispute letter to all three bureaus ( XXXX, XXXX, and XXXX. ) When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist or the collection company intentionally added more to the amount than is really due. I have tried to communicate with the bureaus, and the Creditors to no avail. No one has been able to verify these accounts as accurate, and yet they have not been deleted from my credit report. Attached also below is audio from me speaking to a XXXX representative that two XXXX  collections ( XXXX  and XXXX XXXX ) are inaccurately being reported and 1 is just falsely reporting from XXXX XXXX even the balance amount is wrong. as well I called XXXX company and they told me they no longer have my collection and they had sent it back to XXXX and I was to reach out to them for further assistance. I also have sent a dispute of these accounts and failed to receive the request verification of this account! The other account has been disputed as well and again it's not reporting correctly and failed to be verified as mine, but it is still on my credit report. To reach XXXX requirements I had to cut out a significant amount of the call. The representative did state that those items would be removed from my credit report if I paid, and I did pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: NC
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 keep trying to remove an account from my credit report. XXXX XXXX, account number ends in XXXX. I have been trying to get this account removed since XX/XX/2023 through myequifax.com and through equifax information services. they still refuse to remove the account. I have reached out to equifax and the lender about this. the lender informed me that the account information is reporting incorrectly. I have documentation showing this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, 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 2021-07-19
Company: MONEY SOURCE, INC., THE
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My father in law had a mortgage at TMS ( The Money Source ). He died in XXXX of XXXX of XXXX I am the legal Administrator of his Estate. On XX/XX/XXXX I sold his house and the mortgage was paid off in full. There was approx. {$3200.00} in an escrow that TMS was/is holding and they will not return the money. I have called over and over and they will not speak to me stating I am not the borrower ( he is dead and they know it as I have submitted both his Death Certificate and my legal court approved Letter of Administration to them multiple times ). Yet every single time I call they will not talk to me. I was directed to a customer care email which had not yet returned my email to them. After having the family 's money for almost 3 months they will not even talk to anyone about this matter. I am a banker for over 30+ years and know this is illegal and quite frankly immoral to hold funds from a family after losing their father to XXXX  . I want this escrow refunded as they would any other paid off mortgage to the Estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Comerica
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My son asked for me to cosign a {$35000.00} loan for a boat which he agreed to pay. Reason being that his credit rating was very poor. I expressed doubts that my good credit will be of help because of my low income. He assured me that he had talked to a friend in Comerica Bank and that there will be no problem. My credit rating has been around 810 for the last 30 years. Loan was approved and the Bank presented me with documents to sign. I failed to see that the Bank made me the Principal. To the best of my understanding my son 's income hoovers around {$100000.00} year. He has told me that he is 51 % owner of a company that invoices around {>= $1,000,000} per year with an approximate profit of about 7 %. He also told me that his credit rating was poor. My total income is {$29000.00} consisting of SS and two small pensions. I'm XXXX years old. My son has paid for the loan since the beginning but very inconsistently. There has been numerous late payments. The bank has sent me numerous letters regarding these late payments. I have redirected their attention to my son. Comerica Bank has ignored my requests. Comerica Bank has now re-possessed the Boat. It's my understanding that I'll be sued for whatever moneys are not recovered by the sale.

Company response to consumer: Closed with explanation