BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-06-09
Company: Experian Information Solutions Inc.
State: AR
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 submitting my complain for you to notify about some informations that are continuesly reporting in my credit file. Please make sure that the following items will removed immediately from my credit file. If you do not provide any records & claim the items are deleted please understand I will seek legal action. So please comply with the law so this matter can be handled swiftly. The following items should be removed immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-28
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First, we wish to thank XXXX - Mr. Cooper for responding to our earlier posted shares of our experience and process in striving to keep our loan functioning. This shows the effectiveness of this protection bureau. A Mr. Cooper manager reached out to us by phone and did the right thing! In late XXXX XXXX of XXXX, They coordinated an adjustment to our loan situation that allowed us to defer payments for 10 months or pay per month at our discretion while we worked out the details on paying the amount Cooper had demanded. Please remember that we had been promised deferral on the full amount of the forbearance from the beginning, and Mr. Cooper had put us in the difficult position by then going back on that pledge. They had communication clarity issues with our specific lender bank, and would not honor their promise but just made the demand with threat of foreclosure. This is all detailed & recorded in written communications.

To continue with news of the adjustment the Cooper manager made this past XX/XX/2022... They gave us time to consider the details, got it all worked out, and when we agreed to the loan adjustment they sent us a formal notification that it was engaged and these were the new operating terms. We were thankful and relieved as we were now treated fairly by Cooper, and in good faith. This was after our 2 formal letters explaining the issues that their corporation had produced, and our communication with CFPB ( Consumer Financial Protection Bureau ). 

When we phoned in to make the monthly payment for XX/XX/2022, we were notified that the adjustment to our loan was no longer active! Yes! Try to understand this, they simply reneged, and removed it from their system, AND DID NOT NOTIFY US. We were unaware of this second reversal of promise by XXXX - Mr. Cooper. 

We sent them a 3rd formal letter on about XX/XX/XXXX, requesting the reinstatement of the formally and professionally agreed adjustment agreement. 

We have just heard back after about 20 days that while they acknowledge the error, they are unwilling to reinstate the agreement, and along with this notice they included an updated demand letter threatening foreclosure again. 

We are grateful that our engagement of CFPB worked the first time, and that Mr. Cooper did the right thing. Now we are back and sharing this continuity of their confused misrepresentations on account of their backing out of the remedy solution which worked so well. 

Consumer Financial Protection Bureau is truly needed in attempting to sort through the difficulties XXXX - Mr. Cooper is demonstrating at this time which has proven difficult for many corporations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/2022 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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:
To Whom it may concern, please remove all tradelines being reported with any derivatives of the name XXXX XXXX XXXX that name has been copyrighted, I hereby revoke and rescind any prior written or verbal consent to use the name XXXX XXXX XXXX. See attached affidavit of publication. Failure to do so will result in a lawsuit against your Financial InstitutioXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: OH
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 enrolled into to a program in XX/XX/XXXX with my two credit card accounts with XXXX XXXX XXXX that would temporarily freeze my account to allow me to make payments in order to get my account back on track & in good standing for 3 months. After starting this program I noticed that I kept receiving letters from the company stating I was behind on payments and in addition received alerts from my credit monitoring the company was inaccurately reporting my accounts as closed. I called XXXX XXXX back in XX/XX/XXXX the customer service assured me that it was not them reporting this to the credit bureau, but the credit bureau reporting the information my account was not closed simply frozen until the program was completed.. I gave XXXX XXXX the opportunity to correctly report the information to no avail. For 3 months they continued to report a false status to the point of causing my credit score to drop 41 points from XXXX to XXXX in XX/XX/XXXX after I have been working diligently to reestablish my credit. I contacted XXXX XXXX XX/XX/XXXX to  address the issue, customer service informed they will keep reporting the account as falsely being closed even though it is only frozen until my last payment. I requested a letter from the company comfirming that the account was not closed and was denied this information in writing in order for me to present to ( XXXX & XXXX ) for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$530.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$300.00}

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 non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: KS
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Monday XXXX XX/XX/2022 I received a letter from Comenity Bank in relation to my earlier complaint XXXX. Apparently this is their response to that complaint. They are informing me that my bank returned a recent payment which was then added to the total account balance along with a return payment fee. This letter I received which is dated XXXX XX/XX/2022 comes after XXXX XXXX informed me my issue had been resolved. I will attach an image of that bank 's correspondence. I am beginning to suspect the company of a deliberate attempt at fraud. Lastly I wish to indicate that they told me they would update the following credit bureaus with their findings : XXXX, XXXX, XXXX, XXXX XXXX XXXX. So I accuse them of some manner of fraud because they are further trying to ruin my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: VA
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In XXXX, I learned that my Mortgage note with XXXX XXXX XXXX  had been sold to XXXX XXXX  XXXX. I was coming out of forbearance and literally the day I called XXXX to make my first double payment to start getting caught up I found out I couldn't because the loan now belonged to XXXX. So after making a few double payments, ( I was 3 months to pay on forbearance ) I has been specifically told by XXXX my loan was set aside to not be reported. I was told this two times in 2 calls (! ). So, come to XXXX, my payment pattern was XX/XX/XXXX, XXXX payments XXXX, XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 1 payment XXXX, XX/XX/XXXX, 2 payments XXXX ( account now current ) And then I found out that even though I had paid up to current, always staying in contact with them as I went, I found out that they had reported the account 30 days late, destroying my already struggling credit score ( although my payment history is almost perfect across many accounts, I'm carrying too much CC debt ). So I called XXXX to find out what happened, they apologized confirming that credit reporting for my account had been suspended and they'd fix it. This company specifically told me 2 times credit reporting was suspended for my account, and then confirmed it, but still has not addressed it and rejected the dispute through the 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 2023-07-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-06-09
Company: Experian Information Solutions 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:
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 Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX  XXXX Balance : {$2600.00} 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 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 2022-01-07
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2023-07-24
Company: Consumer Adjustment Company Incorporated
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:
I am in good standing with my credit card company XXXX XXXX XXXX and as of now am current with my payments. On XX/XX/2023, my credit dropped and noticed there was a collection account with consumer adj co for {$510.00} on my credit report for XXXX XXXX XXXX. I called my credit card company they said they never placed a collection on me because my account is in good standing. On XX/XX/XXXX I disputed with XXXX XXXX for fraud and they did nothing they finished investigating by XX/XX/XXXX and nothing was done. My credit rating has suffered due to unexplained and suspicious collection account which hurting my credit rating. I want this account removed since XXXX XXXX is not doing there job or even can not or don't know what is fraud. I can not find a phone number with the collection account consumer Adj co but only have this address Consumer ADJ Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: KS
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 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 explanation
Consumer complaint received 2021-04-02
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Problem concerns a new card which was used for the first time today, XX/XX/2021. I received a text from Citi concerning possible fraud on the card. I responded initially and needed to get some information from my wife to see if charge was legitimate which it was. I called back a second time to release the hold from the card and was unable to do so. I requested to have the card terminated and was told I could not do so. I would appreciate some help in doing so.

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 2023-07-10
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:
This matter still has not been resolVED. PLEASE REMOVE THIS INACCUARET LATE PAYMENT

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