BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: GA
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 submitted a request for investigation under FRA 611 ( a ) to ( EXPERIAN ) on ( XX/XX/XXXX ) concerning the following account ( s ) : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I have received a letter stating that you have " VERIFIED '' the information. I am interested in understanding the process of verification and would like to obtain physical documentation to substantiate this incorrect information on my report. According to FCRA, reported information must be 100 % verifiable and accurate, failing which it should be removed under federal law. ( EXPERIAN has been reporting unverifiable and inaccurate information on my credit report, adversely affecting my credit. I am prepared to take legal action if this information is not " DELETED '' from my report. 

Please refrain from " updating '' or " verifying '' this information without conducting a thorough investigation. I request to be provided with the written contract and physical documentation supporting the information reported on my credit report via USPS mail. Screenshots and medical statements will not suffice ; I require my actual signature on a contract, as this debt is not mine. 

I am seeking this verification because my credit score holds significant importance to me, and I believe it is being unfairly damaged due to this regrettable error. Therefore, I kindly ask that you refrain from sending me a generic response to this request, as I am in the process of preparing a legal case and require specific answers to the questions outlined in this letter. 

I would like to bring to your attention the cases of XXXX XXXX Experian Information Solutions , Inc. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These consumers successfully challenged the bureaus for failing to conduct a reasonable investigation of their dispute and instead relying solely on the word of the debt collectors. I trust that your organization will conduct a thorough investigation and, if unable to provide proof of the validity of the debt, proceed to DELETE the information. 

I expect to receive a response within 15 days of receipt of this letter, or I will anticipate the permanent removal of the item in question from my record.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: MN
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 have contacted Equifax multiple times, they have not helped resolve my issue. I have multiple Hard Inquiries on my report I do not recognize and that I did not authorize I don't even know the companies associated with them. My information was also sold and bought illegally because I was a victim of the Equifax data breach. I want all these items Deleted from my credit report effective immediately. I am attaching the proof that Equifax has admitted that they did use my information in this data breach, and Equifax has done nothing to help and caused me a lot of distress and in convenience. Please help me delete these fraudulent items from my report. I am listing all the accounts showing on my report that are illegal accounts 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 explanation
Consumer complaint received 2023-03-07
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It's a medical debt being report on my credit report. XXXX XXXX should not be reporting my credit due to HIPAA law and violations...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
All 3 credit agencies are reporting my home address as and XXXX XXXX. 
They have my street number and name correct, the town and zip are correct but there is no XXXX XXXX. 


They also list additional addresses which I've never lived at or paid and received bills for. 


Despite repeated phone calls and letters refused to correct.

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 2023-12-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-07
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
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 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 ) States : 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 2023-09-25
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: Problem with personal statement of dispute

Complaint:
They hit my credit score XXXX  dropped it by 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 2023-03-21
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was rated an XXXX credit score before buying home improvement supplies at the XXXX XXXX. Was approached by an associate to buy items on credit, and the wall said 84 months no payments. Applied for a Home Depot Credit Card and the cashier spoke XXXX, contract was written in XXXX. Waited for term and statements in English. Told me it was no payments for 84 months. Called, emailed messaged and pushed hard. At no time did anyone tell me I was late on a payment for the first two years. When buying a car in XXXX, there were four negative notices for no payment. I was able to remove the first two 90 days late but not the remaining two 30 days late. Bank card company will not remove late payments from credit report. They keep telling XXXX its correct when I dispute the reporting. Clearly the terms say 84 months no payments. They took two years to change my statements to English.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection was re-inserted on to my credit report after years of not being there, I had previously disputed and had removed being as I do not believe it was ever mine. I was never notified of intent to place as collection on my report and they have not sent any verification to me. I have never received anything in the mail from this collection agency. When I contacted them on the phone they tell me the debt is verified although the company who is the original creditor is XXXX XXXX and I'm a current customer and they tell me that they have no record of me having any other account nor do I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX XXXX XXXX 2 ) 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 2018-06-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citi computer systems misrepresented the amount due and instigated auto payments when in fact they had been paid and the account showed a zero balance. Auto payments resulted in {$54.00} in NSF fees to which Citi 's response was " present our letter to XXXX and maybe they will refund the NSF fees ''. 

Details in attached letters, Citi statement and XXXX and XXXX statements. 

I did reach out to XXXX and they did (! ) refund the NSF fees. That's a mystery to me.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: OH
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:
My credit score from Experian dropped from XXXX in XX/XX/2023 to XXXX in XX/XX/2023 due to identity theft. I submitted a police report in XXXX XXXX  to different credit bureaus, making it clear that the person named XXXX XXXX, who had a collection from XXXX by XXXX, used my SSN illegally and had nothing to do with me. 

In XX/XX/2023, Experian, however, added XXXX XXXX and another name XXXX to my credit report, making my credit score decreasing by XXXX points a month. When I reported the problem and the two names were cancelled thereby on XX/XX/2023, Experian refused to correct my credit score due to this identity theft, when a Chase banker confirmed that no other factor should influence my credit score in a negative way, because I paid rent, XXXX XXXX XXXXXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX card in full and on time.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Consumer Financial Protection Bureau, I am writing this complaint to express my concern and frustration regarding TransUnion 's inaccurate reporting on my credit report. Specifically, TransUnion is reporting a fraudulent XXXX XXXX account that is also a duplicate account, which is causing significant harm to my life. I have never authorized or opened a XXXX XXXX account, and this fraudulent account is having a negative impact on my credit score and ability to obtain credit. Additionally, the fact that TransUnion is reporting a duplicate account is further compounding the problem and causing further harm to my credit and financial well-being. 
I have repeatedly disputed these inaccuracies with TransUnion, but they have failed to correct their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me undue stress and hardship. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion corrects its reporting on my credit report. I also request that TransUnion be held accountable for their failure to correct these inaccuracies in a timely and appropriate manner. 
Furthermore, I request that TransUnion provide me with a corrected credit report that accurately reflects my credit history, as well as any documentation or evidence they used to verify the fraudulent XXXX XXXX account. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, 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 2022-05-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am submitting a complaint for resolution against my lender XXXX XXXX XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX First of all I, XXXX XXXX is submitting this complaint and not a third party on my behalf. pls contact me at XXXX XXXX XXXX or email XXXX if need further verification- call me or email. I have received emails from my lender on XX/XX/XXXX XX/XX/XXXX in XX/XX/XXXX as well clearly stating that if I reach out to them they my lender will go ahead and extend 90 days forbearances which will expired XXXX. In XXXX, I tried to contact my lender and overnite request on XXXX to extend the forbearance per their emails - proof attached. I was able to speak with my relationship manager, XX/XX/XXXX. My relationship manager, unfortunately, informed me on a recorded line The lender will not honor the email that was sent out on XX/XX/XXXX and XXXX -- - PROOF ATTACHED- that clearly states if I called, they will extend forbearance. I was also not informed in writing or via email that after XXXX  months they will never give an extension. this email contradicts the phone conversation that I had with the relationship manager. I believe the lender shall not be allowed to send misleading emails to borrowers at this time that we are all struggling due to job loss and health issues. the email is a part of my complaint it is confusing it is not clear and it is misleading. Please read the letter below my lender will not give me access to my account via the Internet, I have to call my relationship manager directly I am not sure what is the reason for cutting my access to my documents. I NEED XXXX DAYS I am XXXX  and going through a divorce as well. I can proof my Hardship do to XXXX  as well in court. 


-- -- - Forwarded Message -- -- - From : Relationship Manager XXXX To : " XXXX '' XXXX Sent : Thursday, XX/XX/XXXX, XXXX XXXX  PDT Subject : Important Account Information Dear XXXX, Please be advised that your COVID-19 forbearance plan will end on XX/XX/XXXX. Please contact us using the phone number listed below should you wish to extend the plan. This account has been assigned a Specialized HRD Escalation Agent as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact ( XXXX ) XXXX to speak with the Specialized HRD Escalation Agent, XXXX XXXX XXXX XXXX is your designated contact for inquiries and the submission of documents as needed. XXXX is available during the following hours : Monday Friday 9:00 AM 6:00PM ET

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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:
I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me. please remove this account from my credit report.

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 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert email from XXXX on XX/XX/2023 saying they blocked an attempt to access my XXXX credit file because my file is locked ; and on XX/XX/2023, I received another alert email from XXXX saying I have 1 new credit alert to review. So that got my attention, I logged into my XXXX app to check and found out that on XX/XX/2023, someone opened a Bank of America credit card using my name, my SSN, but a WRONG address! I contacted Bank of America immediately to report this fraudulent activity and the representative who answered my call said she submitted a fraud application report for me. The address on file of this Bank of America is XXXX XXXX XXXX, XXXX XXXX, TX XXXX, their phone number is XXXX, that is the number shown in XXXX. Then, I filed an online dispute in my XXXX app regarding this fraudulent application. 

On XX/XX/2023, XXXX notified me via email that my dispute has been updated, and I logged in to see the dispute result, heres the result : The company ( Bank of America ) that reported the information has certified to XXXX that the information is accurate. 
This result is simply ridiculously false! Bank of America is lying, I did NOT apply for any Bank of America credit card or any credit card in XX/XX/2023. It is very frustrating that Bank of America allowed such fraudulent activity to happen and lied to the credit bureau! This is very abusive!

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have sent multiple letters disputing and asking for reinvestigation for inaccurate and unverifiable information on my consumer report. I have fraudulent inquiries on my consumer report that have to be removed as they are in violation of my consumer rights and have caused me actual damages due to being denied credit. Disputes or the reinvestigations were sent on XX/XX/2023 also on XX/XX/2023 and on XX/XX/2023 you are in clear violation of 15 USC 1681a 2 ( A ) ( i ) also in violation of 15 USC 1681 Violation for willful non compliant As well as 15USC 1681n Civil liability for willful noncompliance

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