BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
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: Information belongs to someone else

Complaint:
Regarding EXPERIAN ... It is Experian 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. They are reporting 3 inaccurate accounts on my report/file plus wrong addresses and hard inquires. 

( XXXX ) XXXXXXXX XXXX XXXX #  XXXX ... .... {$3000.00} ( XXXX ) XXXXXXXX  XXXX # XXXX ... ... ... {$4100.00} ( XXXX ) XXXX XXXX # XXXX ... ... .. {$9900.00} In addition, the 2 erroneous addresses [ XXXX XXXX AND XXXX XXXX XXXX plus TWO hard inquires that were not authorized must be removed/deleted [ XXXXXXXX XXXX XXXXXXXX and XXXX ] . 

Also, note that I have already sent in one FTC Identity Theft Report on XX/XX/23. They had 4 days to remove fraudulent items per 15 USC 1681c-2, of which they did NOT remove all items requested. It has now been past 30 days and I just sent in a SECOND Identity Theft Report XX/XX/23. Furthermore, these accounts are marked CHARGE OFFS which is considered INCOME and therefore NOT allowed to be reported on my credit file. Please remove/delete them. 

In addition, I did NOT give Experian written instruction/permission to furnish any inaccurate information on my consumer report, violating 15 USC 1681 ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe har and discrimination.

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 2023-10-20
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Lexis Nexis violated my consumer rights under the FCRA, cease from reporting my personal information or I will seek legal action. I have a letter from the court of filling, as well as documents to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 name and account number ; XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

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 2022-04-29
Company: JPMORGAN CHASE & CO.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/21 I Made A Cash Down Payment Too Enterprise Dealership Of total Of {$2300.00} Cash Payment. But Ive notice that my contract says it was credit {$2300.00} is {$42000.00}. If Im paying the total loan back was a suppose make a cash down payment to the dealership?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow was analyzed XX/XX/2023 The Mortgage company has miscalculated my taxes. I pointed out the mistake and they ordered a new analysis. the second analysis has made the problem worse. I filed a complaint with in the company and now they say they are not allowed to speak with any more. The problem is still not corrected and they are saying I have to pay the higher amount or they will report a delinquency to my credit report. I have faxed several request to their office of the customer and gotten no response.

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT 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  XX/XX/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 2017-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is reporting inaccurate, damaging credit information after their " verification '' for a furnisher that appears to be incapable of reporting accurate complete and true information.This unconscionable behavior is illegal according to the FCRA and carries statutory damages that Experian must pay.In addition the FCRA allows and suggests that when a furnisher is habitually error prone, Experian is allowed to block the furnisher and in so doing protects Experian from liability for false inaccurate reporting.Attached are XXXX bureaus reporting within last 3 weeks, all are inconsistent with each other.Experian reports a collection in XXXX 2012 while the other XXXX bureaus report that the case was closed in XXXX of 2012. 
The XXXX XXXX ... ACCOUNT ON MY EXPERIAN seems incapable and unwilling to report correct complete and accurate information to Experian that is required by law to report ... ... SO THE FCRA directive IS REPORT ACCURATELY OR DO NOT REPORT AT ALL AND PAY XXXX DOLLARS FOR EACH PROVEN INCIDENT OF DISOBEDIENCE TO FCRA TO THE PERSON REPORTED ON.

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 2016-02-14
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found out that National Hospital Collections had reported information to my credit file when they told me if it was paid then it would not go on my file. I was XXXX at the time and was on workers compensation. I had borrowed the money to protect my credit and believed them when they told me I would not receive a mark on my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-13
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EOS CCA. Attempting to collect a debt for {$600.00} account open date is XXXX XXXX. This is not my debt. I have told the company this. I have disputed the information on my credit report and they refuse to delete the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: MA
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:
Account XXXX, # XXXX Auto Loan on XX/XX/XXXX reported " 90 days '' for XXXX Payment History - This is incorrect Account Status reported " 90 Days Past Due '' - This is incorrect The creditor sent me an email on XX/XX/XXXX stating " Your account is past due and is about to be reported 90 days late. By making a payment of {$560.00} before XXXX XXXX pst today, the credit reporting for this account will be reduced to 60 days '' ( copy of email attached ) I scheduled a payment on XX/XX/XXXX of {$560.00} for XX/XX/XXXX. ( proof attached ) Reducing credit reporting for this account to 60 days as per the creditor email. 

In addition, I also scheduled a second and third payment on XX/XX/XXXX for XX/XX/XXXX for XXXX and XXXX Totalling XXXX, a full monthly payment FURTHER REDUCING MY CREDIT REPORTING TO 30 DAYS LATE as per creditor email. 

Payment History for XXXX, XXXX must be corrected from 90 days to 30 days Account Status must be changed from 90 days past due to 30 days past due

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 2017-03-26
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-03
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a XXXX. I have XXXX for 13 years. The last 6 years of my XXXX career  have been at 2 low income XXXX. I applied for XXXX loan forgiveness through my 2 current lenders. I owe about {$1000.00} to XXXX and about {$3000.00} to Navient. The loan forgiveness act allows up to {$5000.00} to be forgiven when certain criteria are met. I have met the criteria. I applied for forgiveness at both XXXX and Navient because the combined amount is less than {$5000.00}. I sent in the applications last summer ( XXXX 2016 ). The forms were exactly the same. The one sent to XXXX went through with no problem. It is currently with the Department of Education awaiting approval. Unfortunately, the same ca n't be said for Navient. I turned in the same form to Navient and they denied because the principal wrote the name of the XXXX as XXXX XXXX, but on the XXXX Cancellation Low Income Directory it was listed as XXXX XXXX. I called Navient and told them that there are hundreds of XXXX on the list that say XXXX. and that it is a common abbreviation for XXXX. The supervisor I spoke to then said that it would be ok, but that I marked a box incorrectly in another section. She told me how to fix it and then I resubmitted it. About a month later I got another denial letter, but this time it said that the service date was written incorrectly. It said it had to be written as mm/dd/yyy. However the service dates were written correctly. Instead where the XXXX  signed and dated it she wrote the date as mm/dd/yy. I called several months later because the XXXX year was underway and that is a very busy time. When I called Navient and complained, again, after almost an hour on the phone they said they would resubmit the application. That was a couple of weeks ago. Today, I got a letter saying that my application was denied because my current employee wrote my service dates as mm/dd/yyyy to current. They denied it because it ca n't say current that it must have a date. I called again. I told them that they should have told me everything that was wrong with my application from the beginning. They just seem to keep picking some tiny thing to deny it each time. I also told them that the same application was sent through XXXX with no problem. I have been told that I need to fill out a new application to resubmit. I am beyond frustrating and feel like I am getting the run around. I feel like they are just trying to get out of the forgiveness so that they can get more money is interest from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
U.S. Bank N.A. charges a usury amount of interest on the revolving debt of this account. They have neglected to perform, ongoing, due diligence on this account and have maintained a predatory level of interest despite the fact that the creditworthiness of the account holder is in the top 3 % of borrowers with regard to 'credit score. ' They have failed to take into account the payment history, and the fact that no balance has been carried for longer than 31 calendar days since XXXX XXXX. Additionally, no 'late ' pay has been registered on this account for over a decade and a half ( FY XXXX ). The interest rate ( APR ) on this account needs to be reexamined, readjusted, and reset to reflect the account holder 's creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: MRS BPO, LLC
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 has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am making a dispute against Wakefield and associates in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This complaint is a companion to CFPB Complaint # : XXXX-XXXX. 
Transunion continues to fictitiously " investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. 
They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy.

Just because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and  demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.

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 2023-08-04
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-11
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX, and Equifax is reporting inaccurate info. My Name is XXXX XXXX. XXXX : XX/XX/1993 My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My employer is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im delinquent on my mortgage payment since XX/XX/XXXXXXXX  but that same month I tried my very best to pay in the amount of {$6200.00} hoping I could keep my house. Then on XX/XX/XXXX, I sent another {$4800.00} to mitigate the delinquent amount. My financial situation is in deeply affected due the following reasons : 1. COVID-19. 
XXXXXXXX XXXX XXXX in my family-a brother that eventually died last XX/XX/XXXX. My financial for hospitalizations was necessary for his treatment prior to his death. 

XXXX. Some car and home central A/C system expenses that triggers also the increases of utility bills. 

I have so many outstanding debts due to above reasons. 

XXXX Loan Portfolio rejected my appeal give us another/extend of repayment period to the delinquent amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation