BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: MA
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 have a child support balance that is supposed to be removed it is illegal to have on my credit report and XXXX and XXXX removed it experian hasnt

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/22 I had a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC show up as a inquiry on my credit. This is fraud.

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 2022-04-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2021-03-18
Company: Paramount GR Holdings, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX hurricane Hermine flooded my home at XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX. I contacted the insurance company. filed a claim, cleaned the area of damage and debris. tore out all damaged items. I was then told to start repairs by contacting a contractor, pay for approximately 50 % of repairs and then they will send out a claims person to confirm. they will then cut a check and I will pay for the rest of the repairs until completed. when completed they will then send out another person to confirm the repairs are complete. funds will then be transferred. We completed two home repairs after two other hurricanes prior to this. this is not how we did it. I do not have $ XXXX to hire a contractor to complete the work then get reimbursed. We at that time stopped payments on the mortgage. I have not made a payment since XX/XX/XXXX. My house is still not in foreclosure and I have filled out all financial paperwork per Paramount ( now Loanpal ) request. I have attempted a short-sale ( later told this was to see how far I would go to fix this without the mortgage company doing anything. I was in the military until XX/XX/XXXX. I retired, I have waived my SCRA rights in writing ( in 12 font per USC 50, sec. 517 ) to the company back in XXXX ( no proof ) and again in XXXX ( I have proof in writing, email and fax ). Per LoanPal XXXX operating instructions given LOANPAL XXXX permission to foreclose verbally and in writing multiple times with a " wet ink signature ''. I have not made a payment in 1600 days ( 52 months / 4.5 years! ) now and still not in foreclosure. When this is competed at this time, my credit will be damaged for over 12 years! I have requested foreclosure for over 1200 days but still being told that I need to wait the 30 for pre-foreclosure to start?? Loanpal XXXX Loan number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Chicago Car Center, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 XXXX I dropped off my vehicle with the XXXX XXXX XXXX service repair department in XXXX XXXX XXXX, IL and they didn't have my vehicle ready till XX/XX/2020 XXXX. My finance payments are XXXX every 2 weeks and I belive my finance contract needs to be revised not deferred. A consumer isn't to pay a company for a product not being provided. 
They have withheld the vehicle over 45 days and I believe The Company is not entitled to any payment during that time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the collections twice with Transunion and both times they have verified the account as accurate. The issue is I was never aware of this debt nor I was contacted via mail or phone with an attempt to collect a debt. Also, this is a pure violation of their law. Please see below On XX/XX/2022, the national credit reporting companies voluntarily announced that they would no longer report certain additional XXXX XXXX ( XXXX XXXX XXXX XXXX ). Specifically, the companies announced that starting on XX/XX/2022, the time before unpaid XXXX XXXX can appear on a consumers report will be increased from 180 days to one year, and paid XXXX XXXX will no longer appear on consumer reports at all. 
https : //www.consumerfinance.gov/data-research/research-reports/paid-and-low-balance-medical-collections-on-consumer-credit-reports/ I keep disputing it as this is a violation of the law that started on XX/XX/2022.

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 2018-06-28
Company: Experian Information Solutions Inc.
State: IN
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:
Between XX/XX/XXXX and XX/XX/XXXX my identity was stolen and a fraudulent account was opened in my name by XXXX XXXX XXXX. The item is negatively effecting my Experian, XXXX, and XXXX  account. I need the item removed from my credit 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX  account # 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 an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-08
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
I am forwarding the previous email for this matter. This has to be corrected for all 4 credit bureaus once completed correctly. This chaos started as a result of a simple error in XX/XX/2021. Although XXXX payment was received 3 days past my due date of the XXXX and was received XX/XX/XXXX. XXXX payment was reported late and I asked for it to be reviewed as I have 28 days grace period. Lastly, years of payment history of prior mortgage holder late fees are all transferred to my credit file when I assumed the loan. I assumed the loan not anyone else 's negative credit. 
If this matter persist and continue past the dispute deadline date. 
I informed the XXXX that I will discuss the details pertaining to the unfair mortgage practices. XXXX has included blatant, useless, derogatory credit information on my file. I asked for the information to remove the unnecessary late fee amount that has accrued though outage life of the loan. These unfair handling of credit reporting or lack there of responding to dispute are hindering my credit worthiness. This halted my life for one year where I could refinance, obtain a XXXX loan, or make improvements using equity where necessary. My credit score has plummeted from a XXXX to mid 600 's as a result of this error as it was referred to. Documenting me as paying 10 payments or 20 late payments puts me in a very high credit risk category.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/XXXX, I wrote a dispute letter to TransUnion & XXXX  & XXXX   credit bureau, asking for verification of a XXXX XXXX account thats being reported on my TransUnion & XXXX  credit report per 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. ( Verification Letter Attached ) The verification letter was sent certified mail and was received on XX/XX/XXXX by TransUnion & XXXX. ( Delivery certification letter confirmation attacked ). 
On XX/XX/XXXX I received a letter stating that TransUnion & XXXX   investigation was complete. After reviewing the report, TransUnion & XXXX stated that Outcome : Remains. This item was not changed as a result of our processing of your dispute. ( TransUnion report page 1 and 2 attached ) After reviewing my report, I did my own investigation and placed a call to XXXX XXXX to see if they had any information on me for this account. On XX/XX/XXXX I placed a call to XXXX around XXXX XXXX  and spoke with a representative name XXXX ( AKA XXXX no employee number was given. He indicated that they have no information on this account, because they sold it to a third party on XX/XX/XXXX. 

After placing the call to XXXX XXXX, I knew that TransUnion & XXXX  was in clear violation of the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. 
I am very concerned about the validity and accuracy of TransUnion & XXXX  investigation, as this inaccurate item remains on my credit report, which is a clear violation of the FCRA. 
If TransUnion & XXXX  had investigated properly, rather than using a e-Oscar system, they would have known, that this account does not exist per XXXX XXXX, but TransUnion & XXXX  claims to have verified this account was accurate. 

It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form through the e-Oscar system that does not even contain the reasons for my dispute is not reasonable.

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 2023-10-23
Company: EQUIFAX, INC.
State: MD
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'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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I contacted XXXX about transferring internet service to a new address due to an upcoming move. I was told they did not offer services at the new address. I told them the service needed to be disconnected on XX/XX/XXXX and I was told to return the equipment to the local office in which I did. I received statements in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I called XXXX again and told the representative that I had moved and the service needed to be disconnected. Instead it was sent to a collection agency. I do not recall the first collection agency but was told the {$240.00} was for the equipment in which I returned to the drop box. XXXX were not allowing customers inside the building due to the pandemic. There were no other customers there at the time and I witnessed a worker taking the equipment out of the dropbox. The agency told me they would contact XXXX  to let them know. I started receiving letters from Eastern Account Systems and contacted them who states the XXXX is a past due balance. I informed them that I moved XX/XX/XXXX and paid the last bill the month I moved. This balance was reported to all 3 credit reporting agencies. XXXX removed when I disputed. However, I have disputed 3 times with XXXX and it has not been removed. I have not heard back from XXXX as of yet. I spoke with Eastern Account Systems XX/XX/XXXX and they are refusing to acknowledge that I do not owe the bill. I spoke with a XXXX representative on XX/XX/XXXX and was told they continued to bill me throughout XX/XX/XXXX and they disconnected due to nonpayment. I told the representative that I told them XXXX and XX/XX/XXXX that I was moving & had moved and they still did not disconnect as requested. The representative told me it is not documented that I asked for disconnection so therefore the debt is valid. XXXX submitted bills to my new address on the XXXX and XX/XX/XXXX attached statements. Not only did I tell them to disconnect but they also had my new address so knew I had moved. I need for XXXX  to acknowledge the error on their part and remove this from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage assistance from Shellpoint Mortgage in XXXX, and received an email dated XX/XX/XXXX that I was approved for a 3 month deferment. The only mail/correspondence I received after that were monthly mortgage statements. 

Then after receiving a court order regarding foreclosure, I contacted Shellpoint. And was informed that I failed to make trial payments. Once again, I've never received ANY mail, letters. etc regarding ANY type of trial plan or loan modification. 

I reached out numerous times to speak to my point of contact, and asked for forbearance so I could apply for another trial plan. I called and spoke to XXXX XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I was told there was a foreclosure date of XX/XX/XXXX. 

The only correspondence I've received is an email dated XX/XX/XXXX that I was approved a 3 month deferment. My understanding was this deferment would end in XXXX or XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I need my credit information corrected because it is inaccurate, in accordance with the Fair Credit Reporting Act. The information listed below is incorrect, and is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX ( XXXX ), XXXX XXXX acct # XXXX. 602 A. States I have the right to privacy. 15 U.S. Code 1681, Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I gave no one written instructions to release my private information. 15 U.S.C. 1681c-2 ( A ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of these items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s2 ( 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. All of this information reported on my credit report is inaccurate, and I can't believe that the credit bureaus are allowing this to be reported and damage 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 non-monetary relief
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: TX
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-18
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries without my knowledge -XXXX -PayPal I didnt applied for any credit line for this two companies.

Company response to consumer: Closed with explanation