BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX guided me to create accounts with equifax, XXXX, and XXXX  in order to be able to Freeze and Unfreeze my reports for identity protection. 
Successfully created all three accounts and Froze my reports. 
All of a Sudden, I Could No Longer Log Into EQUIFAX. 
On the phone with support. Password Resets Never Took.

Has now been One Week since I was told a " ticket '' had been created to help me.

Other Two bureaus I have No Issues with. 
Have already canceled XXXX. No need to Pay for services already offered for free. 
The email Username I use with equifax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: CL Holdings LLC
State: AL
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:
Someone opened an account with XXXX in my name and they claimed a phone was sent to my address. Yet, they dont have any imei number or serial number for the phone nor proof of signature for delivery. I did not order a phone from XXXX and they have refused to remove it from my credit profile. The phone I was told by a representative was never used nor activated. They can not provide any contract or signature or ID that I opened the account. There claim however is that it was sent to my address. I've had XXXX  services now for 15 years. I have no purpose for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was notified via email about a student loan that had been assigned to me. To find out more about the details, I registered for an account. However, I discovered that the loan was associated with a school that I have never attended. On XX/XX/2023, I took the initiative to write a letter to the company and also sent a copy to all three credit bureaus, addressing this discrepancy. 

It is extremely alarming that despite my never having attended the school mentioned in the loan, the information was deemed " verified '' and considered accurate. How is it possible for a school I never enrolled in to demand payments from me and report the debt on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
M & T Bank is my mortgage company. Loan # XXXX. My property address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX. I fell behind in payments after my divorce in XX/XX/XXXX. I did a work-out sheet for monthly payments of {$2900.00} for 6 months. My regular monthly payment without the repayment plan is {$1300.00}. I could not make my XXXX payment with only 3 months to go because my fiancs mother took sick and she ( XXXX XXXX..fiance ) had to take care of her mothers medical needs which caused our income to plummet. M & T didnt offer me another work our packet and stated that Im yet having another crisis. Now Im being sued and my home is in the beginning of the foreclosure process. I have a return date for the Superior Court of XX/XX/XXXX. My ex wife did a quit claim deed so she has nothing to do regarding the property. I want to keep my house. Since I work full time M-F from XXXX-XXXXXXXX it would be advisable to call my fianc XXXX XXXX @ XXXX to answer any questions in my behalf. Thank you

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 2020-02-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Tried disputing items on my report because they are invalid and wont explain to me how they got to the amount. One of the accounts says XXXX  two times and the amount is outrageous. Plus an extremely high amount of inquiries. I believe my credit report needs to be validated and checked if they were given consent to report such items that are in fact inaccurate. when disputing items nothing was done.

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 2023-04-23
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 16 inquires on my credit report I don't recognize. I'm a potential. victim of credit fraud therefore my credit has been promised. Please delete from my credit report. 
16inquiries These lenders have accessed your credit file : 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 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 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 2020-04-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Over the weekend (XX/XX/2020 ), I wanted to unfreeze my credit with the three bureaus. I had no issue with XXXX  or XXXX, and Experian indicated that my credit was unlocked. I saw nothing related to the term " freeze '' and found no search option to investigate further. As such, I indicated to my mortgage company that my application was ready to go. Alas, I was informed that my Experian account was still frozen. 

I returned to the site on XX/XX/XXXX to further investigate and, again, found that my account was unlocked. An attempt to search for an unfreeze option yielded nothing. My mortgage company contacted me today ( XXXX XXXX ) to tell me it was still frozen. 

Multiple attempts to call different Experian numbers, including the one provided by my mortgage company, led to frustration. There was no option to speak to a human being, and one of the lines repeatedly disconnected me. Finally, I contacted Experian via XXXX XXXX. I was provided a direct link to the page where I could unfreeze my account ( experian.com/freeze ), which I did successfully. However, curious, I decided to continue my search on the main site. 

There is absolutely no clear link to this page anywhere. Moreover, I tried to type " freeze '' into the URL after I had logged in on the main page, but this did not work. I had to go directly to that URL and login separately there. 

I messaged the company again about the lack of a link on the main page. The representative told me to look under the heading " Credit Report Assistance. '' After login, there is no such heading or menu on the main page. I finally found something under Reports & Scores -- > Tools -- > Experian XXXX. The link to the freeze page is buried in information about Experian 's fee-based XXXX program. 

Again, I contacted the company via Messenger and was advised that if I go to the main page, I must be logged out. And indeed, this is correct : Credit Report Assistance is visible. However, this goes against how most people use sites where they have established logins. You can not access your account without logging in. Why would I look for the page that will require login without logging in first? 

Access to the page to freeze/unfreeze accounts seems to be hidden or at least difficult to reach purposefully. And it makes sense. It's in Experian 's interest for me not to access it and instead to pay for the XXXX service. Unfortunately, I was unfreezing, so XXXX would have served no purpose. 

The freeze page needs to be listed under the Tools option where it is easily accessible to all.

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 2023-04-23
Company: EQUIFAX, 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 16 inquires on my credit report I don't recognize. I'm a potential. victim of credit fraud therefore my credit has been promised. Please delete from my credit report. 
16inquiries These lenders have accessed your credit file 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 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 2017-12-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Baview Loan Servicing XXXX I was NEVER LATE on this account. On my credit report, they are reporting late payments from XX/XX/XXXX througXX/XX/XXXX which is completely inaccurate. I HAVE ALWAYS MADE MY PAYMENTS ON TIME. Every time I call them they tell me that there are NO late payments but somehow they seem to still be reporting on my credit file and preventing me from getting the credit I deserve. I have also attached proof of payments made on time. I need for Bayview to correct this MEGA error immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Consumer Financial Protection Bureau, I am writing this complaint to dispute several fraudulent hard inquiries made by TransUnion on my credit report. These inquiries were made without my authorization or knowledge, and have negatively impacted my credit score. 

I have checked my credit report and noticed that there are several hard inquiries made by TransUnion that I did not initiate. 

The details of inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX I understand that hard inquiries can negatively impact my credit score, and these unauthorized inquiries have done just that. I believe that these fraudulent inquiries were made with malicious intent and were not made by any legitimate creditor or lender.

I request that the unauthorized hard inquiries made by TransUnion be immediately removed from my credit report. I also request that TransUnion conduct an investigation into how these fraudulent inquiries were made, and take appropriate actions to prevent this from happening in the future. 

I would appreciate it if you could take the necessary steps to rectify this situation and protect my credit score.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
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 wanted to close credit card of Truist bank. Their credit card services sent me the bill of XXXX cents without explanation for what they are charging me. They put XXXX dollars as a previous balance, then XXXX dollars of fee charges and XXXX of interest charge. They wrote that if they will not receive your minimum payment I will have to pay late fee up to XXXX. They never sent me the bills before as my credit card was blocked by them and I could not see it on line banking. I paid them XXXX by check, because I am on low income and they are threatening me with their charges. But I want my money back and explanation about the charges on my account, I hope you will help me, regards, 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 2023-06-27
Company: V and H Portfolio
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:
On XX/XX/2023, I sent Vance & Huffman LLC a CEASE AND DESIST letter. The certified letter was delivered on XX/XX/XXXX, XXXX to date, the company is still reporting the account as open and in collections, please see attached documents from the credit bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear, Transunion Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, 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 2020-02-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX  XXXX  reported me late for XX/XX/2020. I sent the regular payment on time. They called that the payment had changed due to escrow changes. I paid the difference over the phone. A consumer can not be reported late due to escrow changes

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 2023-08-31
Company: National Check Resolution Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I paid the balance of {$240.00} to National Check Resolution , Inc. XX/XX/XXXX I had an attorney " XXXX XXXX XXXX from XXXX and XXXX XXXX to contact me threatening that they would garnish my wages. I provided the email payment confirmation to this attorney and there was no further communication. 

Today XX/XX/XXXX, a collection appears on my account from XXXX XXXX XXXX for the same account that was paid off 4 years prior. 

This account is being sold by XXXX XXXX to several debt collectors and this company is violating FDCPA and it should be investigated and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX and XXXX several unauthorized transactions occurred on my account, and I didnt authorize. I received a notification for a purchase at XXXX groceries that I did not do. Immediately I notified American Express Serve stating that I was not that person making that transaction. So I check my account and notice that my balance have declined a lot subtracting {$6800.00} dollars from my account and those transactions that was made on my account was not of my doing. So I filed a declaration of fraud form and was denied my refund credits. Please look into this matter I am distributing all charges that was made without my consent. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: GA
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:
Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, Equifax, XXXX is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give XXXX, Equifax, and XXXX written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. This delinquent account record is inaccurate. Also, I have still gotten constant calls.This has caused anguish and XXXX. I request that the following account be promptly removed immediately off of my credit for Radius Global Solutions for 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