BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
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 is missing that should be on the report

Complaint:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. My mortgage with XXXX XXXX, is not reporting on my credit report. 
I would like for my mortgage to report to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: WELLS FARGO & COMPANY
State: NJ
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:
My wife declared bankruptcy and we had a joint credit card account. The company immediately closed the account and did a charge off before even contacting me or giving me a chance to tell them I will still make the payments. I am still paying the account exactly as agreed and have never been late! My credit report is showing a charge off and is not updating the balance! Also says late. This should not even have been charged off without contacting or advising me first. I had great credit and not one other blemish on my report untill this. This one account ruined my credit. I have contacted the bank three times and I disputed the account on my credit report. Nothing is changed or being updated!

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 2018-12-11
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I first applied for a modification when I became ill with XXXX loss of income my mortgage payments went up my income for XXXX at the time were {$1400.00} amonth my mortgage payments went up after modification to {$1200.00} at that time I reached out to us bank mortgage because the reason ffor me applying for a modification on XX/XX/XXXX was cause I couldn't afford my first mortgage payments when I bought myy home in XXXX  it was {$150000.00} which is now worth $ XXXX long story short I was toold to reapply well I did again and I wanted to sale my home since I couldn't afford it bbby being XXXX and very ill my health steady declining in XXXX XXXX I received a notice from us bank home mortgage saying that my loss modification pack was facially complete on XXXX XXXX on the XXXX an appraisal was done for a property valuation an completed on XXXX XXXX I received the results for that for my reference it was for my review they said but it was really to steal my home after they found out what it was worth an its worth that because of the area and money I have invested in it which is alittle over {$110000.00} in equity I feel so scared upset worried to the point I also have XXXX  XXXX just was hospitalized for from the stress of filing a claim with my home issuance company for windstorm damages and paying a {$2000.00} deductible and {$2100.00} in mold removal that was making me sicker due to us bank and the insurance company taking their time then plumbing issues had to come out of pocket for that sewer issues and to come to find out after repairs were completed on XXXX XXXX someone shows up to my home the day before XXXX giving me a notice to vacate my home by XXXX XXXX no proper notices phone calls or emails had me waiting on the next step in the loss mitigation talk to my relationship manager at us bank home mortgage they hadn't to her anything either last I heard from XXXX ext # XXXX they were all going into a meeting 2weeks ago to figure out how did the foreclosure happened while I was in los mitigation that they had to pull records emails phone calls etc now I can't reach her can You please help me im being harassed by someone on my property everyday saying their from us bank and now a letter saying there of eviction within the next 4 days the is urgent help me its winter cold outside I have no more money left nowhere to go no family to live with im devastated terrified don't know what to do next. I feel us bank stole my property and I am losing everything while they make double on money on my home. thank you for your 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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or XXXX XXXXompensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

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 2022-05-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX  account # XXXX ( there are 4 of these accounts ) XXXX XXXX account # XXXX ( there are 2 of these accounts ) XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2023-11-08
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: Account information incorrect

Complaint:
I've reached out to XXXX, XXXX, and Experian pertaining frequent credit score point deductions that are being flagged on my credit reports for no valid reason. Today I had a XXXX point deduction on an auto loan account when a payment is not 30 days past due. They are randomly deducting points for odd reasons that do not comply with credit reporting. They are also not correcting my credit score when accounts are resolved. Meaning they are not increasing the score as accounts are paid off, cleared, etc. as they should be.

Company response to consumer: In progress
Consumer complaint received 2023-07-03
Company: Quad Corporation, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
It wasn't a option medicare partly paid for a medical bill. The only thing left to pay is the ambulance. The company quad corporation XXXX XXXX XXXX XXXX IA XXXX # XXXX sent me a letter with what seems to be blood dripped on it. Or red ink. It looks like blood because of a drop. All different sizes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, 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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX has ALWAYS auto-drafted the correct mortgage payment amount, ON TIME, each and every month. I have bank statements to prove this ( {$950.00} amt ). 

XX/XX/XXXX, XXXX rec 'd a XXXX XXXX system msg the payment was made, on time ( {$950.00} ). Unbeknownst to me, they attempted to pull {$970.00} on XX/XX/XXXX AND XX/XX/XXXX, as well!!! 

In XX/XX/XXXX I was told XX/XX/XXXX was NOT paid, so I was automatically removed from their auto-draft system ( not informed of this on the msg system I knew about ). Was told XXXX & XXXX were not withdrawn, either, so I needed to make 3 pmts to be current, which I made ( totaling $ XXXX ). When asked why this occurred, response was : " We switched our pmt processing firms so that was problem. '' " Will this be reported to the credit agencies? '' I asked. " No. Not at all. '' " Will I be charged any late fees? '' " No. '' " Okay. '' XX/XX/XXXX while trying to apply for loan I learn these WERE reported to credit agencies! I notified XXXX XXXX immediately. After 2 weeks, I rec 'd a letter denying it was their fault! I again BEGGED for this to be corrected as it is costing me THOUSANDS of dollars in a higher mortgage rate, fees, etc.

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 did not authorize nor consent to the following inquires being furnished on my consumer report. See attached

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 2023-06-16
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: Account status incorrect

Complaint:
I do not believe Experian is reviewing my dispute correctly. I have provided them with evidence that this information is reporting inaccurately by the furnisher and they have not removed it from my 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 2023-06-23
Company: EQUIFAX, INC.
State: IL
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 ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Social Finance, Inc.
State: UT
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 received a notification from my credit monitoring servcie that a new loan inquiry had been made. I reviewed the information and determined that it was a fraudulent loan application and therefore opened a case with the credit monitoring service. A representative from the credit monitoring service called me and we placed a conference call to SoFi Lending who made the credit inquiry. The various representatives and supervisors we spoke were unable to locate the loan appliction using my email address and phone number. Since criminals would likely use their own email address and phone number as to not tip off the person they are trying to scam, they obviously were not able to find any loans using that data. We continually asked if they could look it up using my social security number to which they said they can not. This seem rediculous considering that is the information that was used for them to pull my credit in the first place. Since the loan does not show as being opened at this point it was our hope to be able to stop the loan from being opened and reported on my credit. The representatives from SoFi continually told us that they aren't able to search by social security number so therefore we would simply need to wait for the loan to fund, then file a police report and then dispute it with all of the credit bureaus. It seems that their system is set up to enable fruad instead of stopping it. While I don't know the rationale behind these policies I'm guessing it is financial in some way, shape or form. Why can a company pull my credit using my social security number, but not be able to look up a pending loan application using that same information and prevent fraud from happening. What a terrible company. If criminals are reading this then I'm sure they know that if they want to commit fraud, SoFi is the place to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-11-16
Company: Experian Information Solutions 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:
In order to have the bogus accounts and information that are being reported on my credit file deleted as quickly as possible, I am filing this CFPB complaint. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00}. Please send me copies of any documentation you have that shows you are the rightful owner of the disputed objects if you think I own them. These fraudulent accounts will be instantly deleted in the absence of these documentation.

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