BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: Experian Information Solutions 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:
I have been reaching out to the credit bureaus for a while now asking for them to delete these inaccurate hard inquires and addresses on my credit profile, the bureaus keep telling me the inquires and addresses came back verified and I asked the bureaus to show me proof on how they came back verified and I have not yet gotten a response, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
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 is misInformation on my credit report about this account. I've never obatian this account before

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
XXXX XXXX is a victim of identity theft. The fraudster applied for credit with multiple companies using her personal information resulting in a number of fraud-initiated inquiries reporting to her various credit reports. While many of these inquiries have been removed from her XXXX  and XXXX files, Equifax seemingly refuses to remove the information in spite of multiple disputes sent against these FRAUDULENT inquiries. 

Fraudulent inquiries were initiated through XXXX XXXX Bank on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. We have submitted disputes against these inquiries to Equifax on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

However, Ms. XXXX 's Equifax credit history obtained on XX/XX/XXXX continues to report these frauduelnt inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-06-13
Company: EQUIFAX, INC.
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:
Back in XXXX, I tried to cancel an Equifax account on behalf of my mother. She passed away. On XX/XX/XXXX, I emailed in the documents I was asked to send. My driver 's license front & back, a copy of the death certificate, & the will stating myself as the Executor. I was told it would take 10 - 15 business days to close the account. I noticed on my XXXX credit card statement, I was still getting charged. I contact my credit card company & they opened a ticket to remove my charges. It is now XXXX & I still have the charge of {$20.00} on my credit card statement. I called Equifax today & spoke with XXXX. She confirmed they have received my documents to have my mother 's account closed as of XX/XX/XXXX but can not tell me why it has not been closed. She asked to send in my documents again. For what reason? She confirmed they have received my documents as of XXXX XXXX has now told be it will take 3-5 business days to close my mother 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Potential wrongful practices with mortgages. That includes charged fees when they shouldnt have been or loan holders that were unfairly turned down when they requested modifications to their loan to avoid foreclosure.

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 2021-07-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated in XXXX. At the time I had no business in college, I graduated XXXX XXXX with a XXXX  GPA and XXXX  with a XXXX GPA. I had 0 concept of finances and did not fully understand what I was agreeing to. I only wanted to wrestle. 

As an adult I am better with money and recognize the consequences of my actions from over 11 years ago. Unfortunately Navient is very hard to work with. You student loans are in 3 different departments, Government, Governement back, and Private student loans. Each department has it own programs and don't talk to each other, so when you have 20 student loans it is easy for Navient people to make mistakes. They signed me up for 18 % interest rate. I have basically been on a rate reduction plan for the private loans for the last 10 years and have never paid the government loans. Every six months they want to call and discuss my income situation over again. I also get harrassed by employees for making life decisions like buying a car or house. They tell me I should be calling them before taking out new debt. It is very draining considering the yoyo ride my income has gone on over the last 10 years. It should not be legal for them to hold an 18 % debt over my head and not consider locking in a rate longer than 6 months. They are the only negative reporting information on my credit. So I can not refinance the loans, they keep increasing the monthly payment so paying back federal also becomes impossible. Not sure what this email will do but I though someone should know. 

The purpose of Student loans and Navient was to improve my life. I now feel like a slave to the debt and I keep getting harassed by the company every 6 months because they want me to pay 18 % interest. Navient needs to do a better job of servicing their long term customers and helping them enrich their lives through a pay plan that is profitable but affordable for consumers. Student loans should not be hurting me this badly after 11 YEARS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I went to XXXX XXXX terminal is : XXXX time XXXX and tried to withdraw {$2000.00} from the atm however it did not dispense. I filed my dispute with American Express Serve on XX/XX/XXXX and spoke with customer service who stated that they had received the dispute documents and I should receive a decision by XX/XX/XXXX for temporary credit. I didnt receive any communication regarding the credit. I called on XX/XX/XXXX and spoke with a lady by the name of XXXX who stated that my information was never received. I have uploaded the dispute forms twice and faxed the dispute form and the fax stated it was received. I cant anyone to help or expedite the process

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Absolute Resolutions Corp.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt verification letter to the company on XX/XX/XXXX requesting the following documents to verify the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : -Copy of my social security card. 
-Copy of my valid Photo ID. 
-Contract signed by me. 
-Bill with my address ( within 30 days of the account opening ) -Any other documents. 
Absolute Resolutions and its attorneys provided me just with statements that anybody could create, I been asking them to verify their allegations that I own the alleged debt with valid proof, Why they are alleging that I own the debt? but they failed to provide or verify the debt appropriately. 
Since Absolute Resolutions and its attorneys are violating the FDCPA and FCRA and they still collecting the debt and have 2 cases open in XXXX XXXX Justice Court against me without sufficient evidence to do so I am requesting the following documentation to Absolute Resolutions today XX/XX/XXXX : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The original account owner " XX/XX/XXXX '' have sold the account XX/XX/XXXX has sold the account to several collections agencies, every and all the times that I disputed the account with the other collection agencies have been removed from my credit report because they are not able to verify the account and then XXXX XX/XX/XXXX sells the unverified accounts to a different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 letter from I believe XXXX  requesting for an ID in order to go forward with the disputed request. I am very disappointed with the lack of seriousness and respect these credit bureaus treat consumers. Instead of protecting our information and identity it appears to me they are too busy profiting from our information. My name was exposed in the XXXX  data breach and my life has never been the same since.

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 2021-09-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX owned by XXXX XXXX in XXXX, Michigan added {$1400.00} non-itemized damages to my resident ledger after I moved. I notified management that my family would be moving out at the beginning of XXXX. We lived at the same apartment XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX and moved out on XX/XX/XXXX. The lease was through XX/XX/XXXX and I paid for that month in full. Management was notified on XX/XX/XXXX that we would not be renewing our lease. I spoke to management on XX/XX/XXXX and was given a final payment of {$940.00}. My security deposit of {$840.00} was never returned and I started receiving collection calls from Fair Collections and Outsourcing XXXX Inc. beginning in XXXX. 

I called the collection agency to find out what the balance was for as I never received any documentation from XXXX XXXX. I was told that there were balances for utilities for XXXX as well as " Damages '' They could not produce any listing or evidence of the damage. 

The apartment was an older apartment when we moved in. No updates had been made in many years. There were several repairs reported to management while my family occupied the apartment. Item number 18 of our lease is Owner 's duty to repair. There were many repairs needed while my family lived there. All were reported promptly and none were caused by my family and none were repaired correctly. This includes a broken window, water leaking into the main bedroom causing mold, mold and no working fan in the bathroom, the stove vent did not vent outside of the apartment, a leak from the upstairs apartment into our kitchen light socket, and the furnace was leaking water into the living room. 

In the storage area there are boxes of previous tenant records that are available for anyone to rifle through, it is not a locked area. This management company is sloppy and has been a detriment to many renters and past renters. 

I have disputed this collection because I do not believe there is {$1400.00} of damage. I believe this company is trying to extort money from me to upgrade their apartments. I received nothing from the credit agencies but it is noted on my credit score that the collection meets FCRA requirements. I have heard from other previous tenants that the same charges were added to their ledger after moving as well. I would like a list of what these damages are. How can I dispute these damages when I don't even know what they are?

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX XXXX {$640.00} XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX I have disputed with these companies how my rights was violated by HIPPA, I have no communication with the reporting company that this was a collection for my report and I have not given them consent to report on my credit profile because it was not formally verified AND the companies has not submitted any supporting documents that is was my account. 
I have demanded physical evidence from Experian and XXXX but they have not sent any evidence to confirm this account meets the FCRA. 

They have also not responded to many unauthorized inquires that was not removed from my account.

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 2021-07-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  collected an extra {$5700.00} from me, then has repeatedly failed to return the money to me as part of an excess funds disbursement from escrow. When they sent me a check in the mail to cash, it bounced. 

The company is refusing to either credit my mortgage with the money they owe me or to promptly provide me with a refund. If I were truly living hand to mouth, this behavior would force me into default. 

I have found XXXX to make repeated errors in handling my loan within just a few months of assuming servicing responsibilities.

Company response to consumer: Closed with explanation