BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022 and there is XXXX XXXX inquired on XX/XX/2022. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

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 2022-02-28
Company: EQUIFAX, 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:
WHEN REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL ERRORS THAT XXXX, XXXX, AND EQUIFAX REFUSED TO CORRECT. SINCE XX/XX/2021 IVE CONSISTENTLY SENT CORRESPONDENCE TO THE THREE MAIN BUREAUS TO INFORM THEM OF ERRORS ON MY REPORT WITH NO ASSISTANCE OR CORRECTION WHAT SO EVER. I SENT CORRESPONDENCE ON XXXX XXXX XX/XX/2021, AND XXXX NONE OF THE BUREAUS CORRCTED THESE ERRORS ON MY CREDIT REPORT. IVE ALSO REQUESTED THAT THEY CORRECT INCORRECT AND OBSOLETE INFORMATION. THE CREDIT REPORTING BUREAUS BLATANT DISREGARD FOR THE LAWS AND REGULATIONS SET FORTH BY THE CFPB, XXXX XXXX, AND METRO 2 ARE OFFENSIVE AND IT RENDERS ME NO PROTECTION BY THESE LAWS SET FORTH TO PROTECT MY RIGHTS AS A CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: In progress
Consumer complaint received 2022-03-03
Company: EQUIFAX, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-13
Company: EQUIFAX, INC.
State: NV
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:
There are accounts on my credit profile that do not belong to me. I have submitted my personal information as an attachment to depict who I am. Please remove it from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: ASPIRE FINANCIAL INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My refinance was handled very poorly. It took over 90 days and I did not have any of the potential delays listed on their website ( picture included for review ). On their website, it claims 27 average days to closing ( picture included for review ). The first problem that caused a delay was when they said there was a lien on our house for my husband owing child support. There was no lien on our house and the lien they were referring to was because my husband is the one owed child support from his son 's mother it's not even attached to our house. I have attached the lien for your review. I informed my loan officer XXXX XXXX of this immediately. This alone set us back 30 days as our loan went into a dormant status. I could not seem to get a response as to what was taking so long. At one point an email was sent to the higher-up management from my loan officer and she commented that my loan, " XXXX says 29-day status. '' I was even asked to get several documents I feel the loan processor should have obtained including a payoff on my solar panels. My closing fees went from {$5300.00} to XXXX XXXX hours before closing. I asked XXXX why there was such an increase and her response was, " Refinances are expensive. '' On XX/XX/2021 I informed XXXX that I needed a satisfactory reason why my loan fees increased drastically in the amount of XXXX 24 hours prior to closing. She told me that it was the title company and she would find out the reason for the increase. She never got back to me. Unfortunately, this is not surprising considering the poor service I received from Texas Lending. My loan did not close the day it was supposed to because they did not have all of the documents in order. I was en route to my closing at XXXX XXXX  on XX/XX/2021 when I got the call it would not go through. That is when I got the 2nd closing disclosure with the increased fees. We had to go again the next night. My refinance was handled extremely poorly and I was not given an explanation for the final fee increases even though I specifically asked my loan officer XXXX XXXX who works for Aspire Financial dba Texas Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: MI
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:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$950.00} XXXX XXXX XXXX Balance : {$890.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: NV
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:
There are accounts on my credit that do not belong to me. I don't know who's they are. Please remove them. I have submitted a copy of my identification and my utility bill as well to prove who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: ERC
State: CA
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To date I have not received satisfaction from the complaint I filed about XXXX XXXX XXXX XXXX, XXXX, and Transunion. Although I have filed disputes with all prior to filing a complaint with the CFPB. I have also filed twice with the CFPB complaint about the situation. The problem is that my mortgage is not being reported by the credit bureaus. XXXX assured me they were reporting to the credit bureaus monthly. XXXX XXXX assures me they are reporting what the credit bureaus report to them. The credit bureaus don't even list my current mortgage! XXXX had it on their report but the amount owed was incorrect and they had not updated the information in over a year. The only result I got from all my disputes and complaints was that XXXX completely dropped my mortgage debt from their report. Even though it was the incorrect information at least it was showing on their report. When they dropped my mortgage from their report my credit score dropped! I have since written letters to all concerned and mailed them return receipt requested registered mail. I asked that the mortgage lender send written notification to the credit bureaus and send me a copy. My next complaint will have a copy of my most recent mortgage statement and hopefully the copy of the letter provided by my lender advising the credit bureaus of my mortgage debt.

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 2023-09-01
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XX/XX/2021 I downloaded my credit report from Transunion. On that webpage was a button I could press to get my credit score from Transunion. I pressed it, got a website to enter my information and saw an agreement to authorize Transunion to check my credit reports at various credit rating agencies. There was no language about authorizing any charges on my debit card. The website asked for the number on my debit card which I submitted. I was expecting to receive a FICO 8 or FICO 9 score because I had planned to request a credit card soon. I also expected the report of my credit score to be free of charge. As soon as I pressed the button to transmit my information I got a fraud alert from XXXX XXXX XXXX XXXX about fraudulent charges on my account in a text message on my mobile phone. I reported what Transunion had done to me by phone and the agent at XXXX gave me a number XXXX at Transunion to fix the problem. 
Transunion tried to claim that I authorized the charge and that I also authorized continuing monthly charges of {$24.00}. I was outraged and let the lady at Transunion know it, let her know that this could be prosecuted under the RICO statutes as felony fraud. All she would do is to stop the subscription and continuing fraudulent charges to my debit account at XXXX. The credit score I received was a Vantage 3.0 score which is available for free from XXXX XXXX, XXXX XXXX, XXXX  XXXX and XXXX. 
This charge of {$24.00} for something that is free is outrageous, and clearly felony fraud. 
Any merchant must clearly specify if charges are to be made before making charges. To the maximum extent possible I request the fraudulent charges be removed and that Transunion be investigated by FBI under the RICO statutes.

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 2021-03-14
Company: Experian Information Solutions Inc.
State: CO
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 have never applied for credit with XXXXXXXX XXXX  I was in XXXX XXXX in 2016. I would never qualify for credit. The only loans I have are for two federal student loans. I went to apply for a car loan, and they told me that I had a loan that was charged off. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please remove these fraudulent accounts.

Company response to consumer: In progress
Consumer complaint received 2023-07-16
Company: EQUIFAX, 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been dealing with BMO Harris since last XXXX regarding what they claimed to Be late payments. The payments occurred as their interface is misleading and they had switched mobile systems which were preventing me from Logging in as I did not know. When I called, they demanded i go in person despite my concerns about COVID. I asked for statements as I had no way of knowing. Then my kid was diagnosed with XXXX in XXXX and me in XXXX. Despite me telling this ro BMO On the phone ; in email, and va letter. They continue to put marks on my credit report. I have since called and went into the bank. The banker called the credit card portion. I spoke with 5, FivE, people that day - two from collections, a customer service rep, somebody who screens the calls, the banker - the level of service was ridiculous. I explained to each of them as I have to at least three other customer reps in the the phone plus multiple emails and letters that I was locked out of the online system and BMO was refusing ro send me statements. They are presumably charging late fees and interest but I have yet to receive a statement which I have demanded each time I have spoken with them. They told me that I would have to start a new dispute that the account had been sent to their collections. I was debilitated with XXXX  for months. Now, I am having an XXXX XXXX up likely related to XXXX-I have XXXX and XXXX along with XXXX XXXX XXXX. I want the entire account resolved but after over an hour on the phone with five people after months of trying to resolve this, I am fed up. I left a message for the banker these days ago and have not heard back. I had to keep repeating that I needed a statement and they kept asking if I wanted to pay the amount due. They did not keep notes in My account and I have to be a broken Record. I asked if I did another dispute for them to expedite it and stop putting late remarks on my credit report expressing my preference that they honor the first dispute. The representative said that there could be no guarantee to honor any request and it would take thirty days. What is more- I had never had a late payment nor a single other negative remark on 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 2021-03-13
Company: Four Directions Lending LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was told I was approved by this company then was taken to a secure site to verify banking info then the page just kept saying hold for over 20 minutes so I called them, the representative who answered said I was denied! I ask them why, he refused to tell me that i would find out later when they sent me a letter, i informed him no that it's the law to disclose that information to me, he still refused after arguing for over 15 minutes and asking for a supervisor on duty he still refused would not provide a supervisor and then i told him if the supervisor wasnt there I'd call the labor board!! He then said i was denied because i had no direct deposit shown in my account, now this really concerned me because 1 that dosent make sence and 2 there is a direct deposit! So i said i needed the supervisor immediately, he said they would call me back, I said no I will hold he refused said they would call me back, I told him I would hold let the supervisor no I'm holding to speak with them and the representative still refused said they would call me back and hung up! I then called back got a different representative and ask for a supervisor explained what the last gentleman did and said I needed the supervisor on the phone, this representative also refused! I explained if they didnt get a supervisor I would have to report this buisness for breaking labor laws, refusing to produce a supervisor as requested and proceed to investigate the legitimacy of this buisness and seek action against the argumentative employees as well as the fradulent actions of obtaining personal information from me as a consumer and not explaining the steps taken as to why a denial by a financial institution without legitimate reason! They still refused a supervisor, corporate phone number or contact, and hung up on me again!

Company response to consumer: Closed with explanation