BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: NV
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:
Im reporting to you that i am a victim of Identy Thief and possible fraud. On or about month of XX/XX/XXXX. I pulled my credit report to check for any Inaccuracies cause I'm trying to purchase a house. I notice that on my credit reports. My name is listed numerous times and also spelled incorrectly. And also addresses that i never lived at. I also notice the i have numerous unauthorized inquiries for Credit cards and Peronal loans. And some Auto loan inquiries. I called numerous times to dipute this. Also i mailed them letters to have them removed. I just found out that my informiation. NAME, SSN, ID NUMBER AND ADDRESS and AMONGST other information pertaining to me. Was involved in the XXXX data breach of XXXX also part of the Experian data breach Of XX/XX/XXXX. As well as the XXXX breach So basically i am a victim of identity theft due to the information that was leaked from the 3 Credit Main Bureaus data breaches. Is there anything you can assist me with to have them remove the names and Inquiries That has been unauthorized. I have placed Security freezes and Fraud alerts on all my reports. Jus to start. THIS IS A BIG PART OF ME FILING FOR BANKRUPTCY.

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 2020-03-23
Company: EQUIFAX, INC.
State: CT
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:
The inquiries have been on my report for quite some time. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Equifax. 

XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Us Department Of Edu Inquiry from XX/XX/XXXX State

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: LEXISNEXIS
State: MI
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:
My Complaint is Against All the Companies Listed Lexis Nexis,  XXXX, XXXX and XXXX  are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent LexisNexis, XXXX, XXXX  and XXXX  copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I filled out my application to lock in my rate with Better.com on Friday, XX/XX/XXXX. In my application, I mention that I need to close on my home by XX/XX/XXXX. Better.com asks me to put down a payment of {$550.00} so an appraiser can assess my home. At this point, they know that I want to close the home on or before XX/XX/XXXX. 

After I pay the money, Better.com assigns me certain tasks to complete and assigns an agent by the name of XXXX XXXX. XXXX emails and texts me, at which point I ask her to call me since her communication was unclear. On the phone and subsequently on the texts, she mentions that Better can not close on my home by XX/XX/XXXX. I tell her that it was unethical of them to charge me {$550.00} knowing fully well that they can't close on my home by my requested date. She offers to refund the money and goes silent after that. 

Another agent by the name of XXXX XXXX reaches out to me on Tuesday, XX/XX/XXXX mentioning that they want to keep my business. He tells me that they can't promise to close by XX/XX/XXXX. I ask him to refund the money. He says he will work on it. 

Later in the evening on XX/XX/XXXX, I receive an email from Better that an appraiser has visited my home. This is beyond unethical. After 2 agents have clearly said that their company can not close by my requested date and have said that they will return me the money that they unethically charged me- they go ahead and send an appraiser anyway. These are unfair and deceptive practices by Better.com and their customers deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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 hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  XXXX Account Number : XXXX It's showing that I have one late payment report. I am just asking for validation of the debt to help me better understand the basis of the debt and evaluate it for myself and I believe that the late payment it's inaccurate. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-05-05
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Bank of America opened a credit card in my name, without my permission somewhere around XX/XX/XXXX to XXXX/XXXX. I contacted them in XXXX of XXXX to inform them that I did not authorize this account. They told me that I had a balance of {$20.00} on it. I said I did not make that charge. She said it was a yearly fee. Then she said they would have to wait a month to see if any other charges came in. I received a letter XX/XX/XXXXthat it has been resolved. They let me believe that I was hacked when in fact they illegally opened this account. I froze all my accounts, then unfroze after reported on the news that this is what they have been doing.

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 2018-08-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I called who I thought was PayPal and it was someone foreign who was asking me to purchase a XXXX card for my refund in paypal I asked several times to speak to a manager with no luck it just felt like I was talking to the same guy XXXX I finally got a hold of someone from PayPal who said this was my first call I canceled my credit card but, Im still worried. Thanks for your help. 

XX/XX/2018 @ XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Reporting company used your report improperly

Complaint:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND this account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
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:
inaccurate information being reported on report, FCRA, FTC AMD CRA violations accounts : XXXX I 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 2022-04-12
Company: SN SERVICING CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SN Servicing ( aka SNSC ) assumed our mortgage from XXXX XXXX XXXX in XXXX. In XXXX & XXXX we lost XXXX immediate family members to XXXX & became behind on our payments. In XXXX & XXXX we made substantially large mortgage payments ( $ XXXX ) to help rectify past payments & show good faith going forward. Payments were consistently made XXXX & XXXX until we were impacted with Covid in early XXXX. 
Covid packets from SNs website were completed & submitted timely throughout the pandemic, notifying changes to our status regarding payments. We requested the ability to make partial payments but instead our account access was locked, preventing any payments to be made nor the ability to view the status of our account. Repeated requests were made to SN regarding updates to our account with no response. 
XX/XX/XXXX we were notified via text from a 3rd party broker our home was in foreclosure & set to be auctioned XX/XX/XXXX. Upon reaching out to the XXXX listed in the newspaper advertisement, then did we receive a copy of the foreclosure documents. 
The property acreage is listed incorrectly at XXXX & the XXXX  was notified postponing the sale until XX/XX/XXXX. As of today, it is still incorrect. The correct acreage is XXXX, as my husband sold XXXX acres in XXXX. 
SNSC is demanding ~ $ XXXX to reinstate the loan or $ XXXX to postpone the sale for a few months to give us time to find refinancing. Neither of these options were what I thought was outlined in the government Covid relief plans, nor was the ability to charge late fees during Covid? I also thought the Covid relief plan included modifications to help borrowers have more affordable payments, by restructuring the loan with longer terms & potentially lower rates /payments. Even if we borrowed $ XXXX to get the loan reinstated, the modification we received doubled our existing payment. We CAN easily pay our previous $ XXXX payment but doubling the payment to $ XXXX we CAN NOT afford. 
When I asked if SN would work with us on reinstatement of the loan or different modification terms because we fell behind due to Covid, they stated the foreclosure was not associated with Covidbut the past due amount pre-Covid which I thought we had negotiated & put to rest with the $ XXXX that was paid in XXXX? We paid $ XXXX in XXXX check & in the payment ledger provided, I cant determine where any of those large payment were actually applied. I wouldve thought paying large amounts would have made a huge dent in the overall payment? 
We need help desperately. The late fees & misc charges SN has charged us over the past XXXX  years is astronomical. I understand at times we have fallen behind but they make it impossible for borrowers to recover. Please help us save our home. 
I have attached the ledger of our account for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: WI
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:
After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. Based off the FCRA, the XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the fraudulent XXXX that have been filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has violated my rights. These are items of identity theft the case numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 I states that if an item is unverifiable it must be deleted 15 USC 1681 604 A section 2 states a consumer financial agency can not furnish an account without my consent. 

If you have any questions or concerns I can be reached at 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 2021-10-11
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: Public record information inaccurate

Complaint:
Experian is inaccurately reporting bankruptcies on my credit report. I have verified information with XXXX XXXX and forwarded the information from XXXX XXXX to Experian confirming that they are indeed not reporting this information to Experian but Experian has not removed this information from their reporting. This is a common practice for Experian.

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 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX 's account there is no balance owed

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 2023-01-07
Company: Exeter Finance Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently had a name change and I tried to call Exeter to inform them of my name change. As usual Exeter will not take any of my information down correctly. I informed them back over the year XXXX that I was struggling to make payment because I became ill in XXXX from XXXX. I only receive {$4100.00} a month. I have tried sending them my XXXX, Veteran Affairs Award letter and they did not want to assist me. I am an unemployed totally XXXX percent disable Veteran with XXXX, XXXX XXXX XXXX, fluctuations of XXXX levels, XXXX XXXX XXXX, XXXX, XXXX, and XXXX. The back an forward with Exeter is aggravating my XXXX XXXX. Exeter Finance still has me listed in the systems as working and did not take the car back I tried to surrender over half a year because they were listening to XXXX XXXX XXXX, a person who didnt make one payment on the vehicle and they did mot tell me any of this. I feel as if I have been discriminated against and treated unfair and without dignity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX ( Today 's date ) On XX/XX/XXXX I attempted to use my SunTrust debit card at a restaurant. It was declined. I immediately called SunTrust to find out what the issue was with my card and was told that my account was frozen and pending an investigation due to one of the following reasons : 1.Unsatisfactory handling 2.Negative reporting from another bank 3.History of return items I was then told that the specific reason would be sent to me by mail within the next ten ( 10 ) days. I have yet to receive any information on why my account is frozen.

I have made more than a dozen phone calls and visits to the local branch of SunTrust and I continue to get the same message, as stated above ) from representatives on the phone and in the branch.

My problem is that I have had two direct deposits, one from Social Security and another from my retirement pension, that were deposited in my checking accounts after XXXX XXXX ( the day my accounts were frozen ). 

The Social Security check was directly deposited on XX/XX/XXXX and the retirement pension check was directly deposited on XX/XX/XXXX, well after the date that my account was frozen. I was not able to stop the direct deposits with the Social Security Administration and the XXXX XXXX XXXX of Georgia from depositing due to the lack of time that the freeze took place. Thus, both direct deposits went to my accounts as usual. I have been receiving both direct deposits since my retirement which officially began in XX/XX/XXXX which Im sure SunTrust can verify. These are my living wages and I understand that both forms of income are exempt from the frozen status. 

I am requesting that my living wages ( Social Security and retirement pension ) be released to me immediately so that I can carry on with the necessities of life such as paying my mortgage, paying my utilities, and buying food. 

I am a senior citizen, living on a fixed income and Im asking that you honor my request to release my living wages from my checking accounts at SunTrust, now known as Truist.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, XX/XX/2023 TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY..

This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 561 ) 800-8001 REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 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 2023-08-12
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:
These inquires are fraudulent and do not belong to me. Please remove them from credit report. Please see below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- - TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION

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