BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a company that is purposely breaching the Fair Credit Report Act by reporting an account to my credit that does not belong to me. 

XXXX  XXXX is a collection agency that is claiming that I owe them money. I have never had a relationship with them. 

The Fair Credit Report act states that if they can not provide the original contract for the account that is allegedly mine as well as provide my wet signature than the account must be removed. I sent a 609 letter back in XXXX, yet the account remains on my credit.

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 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Have lived at same address for 7 years, have received yearly credit reports from TransUnion on an annual basis. Have not placed any security freeze on my report. The inquiry section will show that I have been denied credit based on a TransUnion report. Had trouble obtaining a copy by calling XXXX. 

The denial creditor on the credit report is : XXXX XXXX   dated XX/XX/19 under the inquiries section.

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 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been disputing inaccurate information on my credit report with TransUnion for months. The TransUnion disputes has come back verified every time. XXXX XXXX I have pointed blatant inaccuracies for Date of Last Active, Date of Last Payment, Late payments after account is charged off. past due on a charge off account. XXXX XXXX I have pointed that XXXX does not own the account. The XXXX XXXX is owned by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX is not registered in the State of Georgia . I also pointed out blatant inaccuracies on the XXXX XXXX Date of Last Active, Date of Last Payment, Late Payments after account is charged off. XXXX XXXX has blatant inaccuracies, Late Payments saying I'm 90 days late and stating that I am {$1400.00} behind on my account. If TransUnion had done their investigation like they are required to according FCRA Section 611, TransUnion would have known my account is current and never late. TransUnion stated that the account was verified. How can that be according FRCA Section 611 the credit reporting agency suppose to do an investigation and that did not happen. That is a violation!!!

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 2020-12-31
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.

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 2018-04-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been trying to cancel my membership for over a week now. It says on XX/XX/18 my card will be charged {$21.00} and there's no way to delete my card information. For one, that is super shady, and two I want my card information off of their website. Their spam advertisement on XXXX conned me into thinking that I was only going to be charged a dollar and now it looks like I can't delete my card information and am going to be charged a monthly rate of {$21.00}. I want to cancel my membership and delete my card information off of their website immediately. I have tried calling multiple numbers listed on their website and NO CUSTOMER SERVICE REP will get on the phone. I haven't been able to reach ANYONE at ANY time every day I call. This is pathetic and unprofessional.

I WANT MY CARD INFORMATION AND ACCOUNT DELETE IMMEDIATELY.

Thank you.

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: DHI Mortgage Company
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was relocating from one state to another and I was continuously giving the run around from DHI Mortgage in North Carolina about job verification and pay. I was given two different closing dates. I scheduled my moving company around the first date along with transferring utilities into my name. When the closing didn't happen I had to stay in a hotel from XX/XX/XXXX till XX/XX/XXXX for weeks and I also had to get a storage unit {$190.00} for a month and hire an additional moving company to move my items once I closed. I have been at my job now for 19 years. I was not starting with a new company I was currently transferring with the the same Government Agency. I was told by Human Resources that the new job information was available as of XX/XX/XXXX. I provided more than enough info about Job codes, levels, rate codes and everything else they could try and find to prolong my closing date. I eventually called and made a complaint about the closing process. I knew by this being my third home I have purchased and second with this same builder I have never had to endure this type of inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To whom it may concern : I am writing to seek justification and clarity to a dated system that is in place to bury borrows in debt for life. The federal government currently system of re payment for student loans is one of the only entities that compounds interest daily and requires the borrower to repay all interest before paying down principal. In addition, the daily interest begins while a student is still in school while an individual is going through matriculation to attempt to improve their quality of life. I feel student loans should be handled similar to automobile and mortgage loans where additional money in surplus of monthly payment be applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: OH
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
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 reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This problem has been going on for years and the employees have been disrespectful and unprofessional. I have said to them don't give me a courtesy refund fix the problem but they insist on giving me a courtesy refund. The problem still exists and now they are saying the only option was a refund. They have been moving the transactions, withholding debt card payments and then assessing fees, transactions that never were pending on the account. They are added to the account with a fee over a week later. A merchant fraudulently submitted a request for payment with my wife 's stolen debt card information and we followed the procedure and the bank still paid the merchant and refused to give us the proof they provided to show the transaction was not fraudulent. I have been monitoring my account and I see the bank has the ability to move the transactions around to fit the window so that they can claim the transaction was late. Just recently they added the fee amount to my account and then added the fee. I feel that I have been discriminated against by the bank and it's employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
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 reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
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:
Creditor Name XXXX XXXX Account number : XXXX I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months AFTER. I have been affected by XXXX XXXX Please update the month of XX/XX/XXXX. PLEASE UPDATE to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 5. CARES ACT 6. 15 USC 1666 ( BILLING ERROR ) 7. 15 USC 1681 C-1 8. 15 USC 1681 C-2

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 2020-12-30
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 until current year as of now. I have been out of work, and could not pay any of my bills. Barclays Bank Delaware knew about my situation. The Charge Offs with Barclays Bank Delaware need to be verified, otherwise should be removed. Thank you kindly.

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 2023-10-06
Company: Rosebud Economic Development Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX has been attempting to collect on a debt on behalf of My Quick Wallet after the principal was paid and has also made several FDCPA violations when attempting to collect on the claimed debt that is owed. Failure to cite the mini XXXX, failure to state that I was on a recorded line after pulling up personal information, and threatening to have a judgment entered against me when I haven't received validation of the debt, and an action hasn't been filed against me. I have never received a notice of intent to sue or any other notice prior to being told that a judgment would be entered against me. 

When I attempted to request a cease & desist, and verification of the debt, after being threatened of a pending judgment against me, the collector hung up on 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 2023-02-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting a complaint to you today to inform and notify you that I am a victim of Identity theft. There are accounts in my file that are erroneous and must be blocked or removed, I have already sent the required and necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please block these accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently sent an email to the CEO of Experian citing the accounts I've been trying to get them to fix since XXXX. I attached proof of everything for my disputes- Copy of email from XXXX CEO stating account could not be located, proof that I placed a freeze on all third party reports, proof that Experian was reporting differently than XX/XX/XXXXand XX/XX/XXXXXXXX I also attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately and that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting and that they're also supposed to provide me proof of how they got the information. 

Today I get a call from ( XXXX ) XXXX, who is either the CEO or his representative. He left a voicemail message stating they're not obligated to provide proof of validation nor are they obligated to make sure they're reporting aligns with the other CRA. I saved this voicemail and subsequently called the phone number. This gentleman is basically telling me they don't have to comply with the FCRA. I cited each section and he continued to basically tell me they don't have to comply. Someone needs to explain this to me, how an agency can refuse to comply with the law when they're are hefty fines regarding FCRA violations. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty and Experian is blatantly violating several sections of the FCRA.

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 2023-10-06
Company: Navient Solutions, LLC.
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 received several calls from Navient saying I owed a student loan to XXXX XXXX XXXX. I never took out a loan from XXXX XXXX XXXX. I asked them is the call recorded they stated yes. The dates that they provided for XXXX state was inaccurate as I did not attend and those said dates. I paid private pay out of my own pocket with XXXX state and I can provide proof if needed. I asked them to provide me the documents I signed with me taking out a loan to XXXX state nothing was never provided. They also have this delinquent on my credit report for 180 days messing up my credits profile. Please pull calls that were made to me. I told them they have inaccurate information as it pertains to me and I have no idea where they get that information from. Please assist me with resolving this matter. I also have PSLF all of my loans should be in that status. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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