BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
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: Public record information inaccurate

Complaint:
I have contacted XXXX XXXX, Experian, XXXX, XXXX. about false information reported by XXXX XXXX. I contacted them all XX/XX/23 by phone and certified mail for them to remove this false information. I received a response from Experian that the information was certified and correct. I asked for proof of this which has not been provided. I know the XXXX XXXX does not provide information to the reporting agencies or any 3rd party data mining companies to certify. This statement by XXXX is false. This is false information and should be removed ASAP as there was no XXXX  XXXX XXXX that I was involved in. This is putting my business in a bad financial situation and companies like this should not be able to provide false information. Ty for helping in getting this resolved.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am disputing fraudulent information that you are reporting on my credit reports. I ask that you take this complaint seriously and delete the information that is included in the attached document immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status 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 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: FL
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
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: Account status incorrect

Complaint:
I am writing to lodge a complaint against my student loan servicer, XXXX, as well as the three major credit bureaus : Experian, XXXX, and XXXX. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. 

Sincerely,

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 2023-09-12
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-03-25
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:
This complaint shall be labeled as a follow-up complaint to my previous complaint to ensure the deletion of the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} 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 2022-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The date i discovered these accounts was on XX/XX/2021. I never opened these accounts nor i ever signed anything with these accounts. 

I had left my purse in a bar at a restroom. when i tried going back for my purse it as gone with all my personal belongings. 

-Bank of America XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-14
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Here is the loan officer information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX XXXX U.S. Bank Home Mortgage XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX On Sunday XX/XX/XXXX after meeting with the XXXX XXXX XXXX XXXX is the representative . We asked XXXX to provide us an updated offer letter and with the information from the application in XXXX he had approved saying yes he would gladly provide one. Then when we requested multiple times an estimated loan he stated and you can see the emails that we needed a contract with XXXXXXXX XXXX to provide an estimate. That he couldnt provide one. I clearly explained that this was against the law and per CFPB we did not have to have a signed contract to obtain a loan estimate. Then he argued that he didnt have an address and he had already been in contact with the buildeXXXX XXXX XXXX and had the lot number. I went ahead and provided this to him again and stated once he had all the XXXX points to provide a loan estimate. On XX/XX/XXXX I expected a loan estimate. Instead XXXX with guidance from his manager triggered a loan on a house that is not due to be completed until 7 months from now and a loan isnt required. We simply wanted a loan estimate and we provided all the information necessary. XXXX and his manager at US BANK continued to deny this request and illegally asked us to provide a contract which was not necessary and also he had all the information required to provide us a loan estimate.

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 2023-10-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX continue to add this account to my profile. This is the 3rd time, and the bill has been removed each time. 

This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked Credco/XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

CREDCO/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-12-27
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Hello, I was an authorized user on 3 citi cards. I had called Citi and asked to be closed on all authorized users accounts I was on which was on my cousins. But I don't won't wan na be held accountable for the money he owes. 

If you guys can kindly close me out of all these 3 citi cards it would be greatly appreciated.

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 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 - Went into banking hall to send international wire for our business. 
The receiving company, my client, indicated they did not receive the funds because a wrong account number was used. They noted and highlighted that in the proof of payment that our company had forwarded to them, via email. Proof of payment issued by our bank. ( Note, we had sent some funds to this same company a week before, and that transaction went through ) XX/XX/2022 - Our bank initiated a cancellation of transaction tracing. 

XX/XX/2022 - Followed up with our bank on status of cancellation tracing. Was advised it takes 10 business days for funds to be returned to our account. 

XXXX/XXXX/XXXX  - Called the customer services number ( international wires department ) They shared a secured document with us, as proof that they do not have any record of receiving any funds from our client 's bank. Forwarded the document to our client to share with their bank. 

XX/XX/2022 - Client 's bank confirmed that " funds have been returned and was debited by the foreign bank '' XX/XX/2022 - Forwarded document from our client 's bank to the customer 's service- international wire department via email. This was sent to the gentleman who had sent the secured document from our bank to us. Did not receive any correspondence from our bank since then. 

XX/XX/2022 - Called our bank, international wire department. Spoke to ne officer who was very rude. I sked to talk to the gentleman who we have been communicating with regarding this issue. She refused to transfer our call. 

XX/XX/2022 - Called our bank again, talked to another officer who asked we forward the email we sent to our bank on the XXXX of XX/XX/2022. We did, and we haven't heard from anyone ever since. 

This pending payment has some serious implications on working relationship with our client. We will be needing their services again in the next month. There is no way they will want to work with us whilst this payment is pending, at no fault of our own. 

The bank admitted it's their fault. Why is our business suffering due to a fault of their own? 

Hope to hear from you soon. 

Thanks.

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 monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX Account # XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I received my credit report showing several payday loans from this company. ( XXXX XXXX ) I was not aware of this loan and reached out the company to dispute these charges. I sent the debt validation letters to all 3 credit bureau and I never received any documents. I was requested to provide my ssn, birth certificate and drivers license to the bureau. Once I submitted that information to get my account verified the bureau then used my information to update all of my inaccurate personal information on my credit reports. XXXX XXXX then used that information and updated it on their end and then sued me. Even after I contacted them stating this loan has been obtained via identity theft. They used my accurate information to put the loan on myself. That is illegal. This is against my rights as a consumer.

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 2023-06-15
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Caine & Weiner has reported a collection account to my consumer credit file. I do not owe this alleged debt.Caine & Weiner HAS NEVER SENT any notice of collection to me ever. This is a strong violation of the FDCPA. If Caine & Weiner has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Caine & Weiner has reported to my consumer credit file. Caine & Weiner has no legal right to attempt to collect a debt as this does not belong to me. Again Caine & Weiner has not validated this debt nor sent me any notice of collection fordebt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Specialized Management Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No dates listed for XXXX XXXX now handled by SPECIALIZED Management Services. Highest balance was {$580.00}. I asked for the debt to be verified and no response was given. I made payments because I was told " I am just doing my job! You have no right to 'get on me for doing my job ' ''. I wanted to know what the debt was for. I was told " XXXX XXXX ''. I would like to know why it is reported " as late ''. Why not " paid as agreed ''? 
Specialized Management is notorious for trying to ruin credit.

Account number two : Original balance was {$290.00} and now {$170.00}. It is being reported " as late ''. Why " late '' if I make a monthly payment and the balance is decreasing? The same scenario. Specialized Management NEVER validated the debt and itemized what it was for? I received a nasty phone message that I MUST pay more money. I returned the call and asked what the debt was for. " I am just doing my job '' was the response ''. Whenever I have had procedures done at XXXX XXXX, I try and make a payment. They say they will bill me. They never say they will turn it over to collections in 30 days!

My insurance has paid on both of these accounts!

Specialized Management needs to learn customer service!

Company response to consumer: Closed with explanation