BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I really dont know how it really got to this point Im get upset anyone would do this ever. Personally all I know is someone has been using my personal information opening up account under my name for about Im guessing 2 years now.. I just turned XXXX XXXX XXXX, graduated last year and when I recently learned ab it I had seen someone had been using my information and all. Someone opened up XXXX XXXX XXXX, XXXX, and a XXXX  XXXX. A collection debt also is on my credit report which I have no idea what that even is or how it got there as well with 4 inquiries with accounts I am not even familiar with ( XXXX ) XXXX XXXX, XXXX XXXX XXXX and 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 2022-11-13
Company: Experian Information Solutions 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:
I have filed multiple disputes with this company by the name of XXXX XXXX with the credit bureaus ( XXXX, AND EXPERIAN ) and which all of them were deemed as verified, and in my disputes, I have asked them multiple times to provide me with original documentation with original signatures that the debt is owed by me. The Credit Bureau have been unable to provide this information every single time, but still deeming this account as verified come back as verified this leaves me, without providing me the proper documentation I have asked for which is the law. This makes me believe the investigation was improper and incomplete.

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 2022-07-21
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems is reporting a debt on XXXX only. I have called to verify this debt and they can not find any account assigned to me when I provide my personal information including my social security number. I disputed the collection with XXXX and it came back only to update the amount owed by {$1.00} I spoke with an agent at said credit bureau who confirmed the collection agency contact information. 

Again, I called the collection agency, who still denies having any information about me or an account. I have never received a written notification about this. XXXX says they cant remove it and National Credit Systems says the same due to no record existing. 

This must be removed from my XXXX credit report by SOMEONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 with product or service terms changing

Complaint:
I am having a hard time getting a direct answer to my issue. I have excellent credit. Had a car loan from XXXX XXXX XXXX. Never missed a payment or late on a payment. Decided to pay off loan amount so as not to incur addition interest payments due to the pandemic. Checked my credit score on XXXX and Transunion and they dropped my score 20 points. Spoke to both agencies and they informed my it was due to the fact that I closed an account. I explained to both agencys that I did not close the account. The account went into fee simple status because my loan was paid in full and it was a legal obligation for XXXX to close the credit line upon loan being paid in full. They informed me it is still deemed as a closed account. So I pay my loan in full and they are justified in lowering my credit score. How about the fact that I eliminated almost {$5000.00} of outstanding credit that in practice should by agencies standards raise my score. I never miss a payment and pay my loan off early and I get my credit score dropped 20 points. This is legal.

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 2022-02-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company XXXX and XXXX bought some illegal debt and has been harassing me as well as reported illegally on my credit report. This debt was paid thru XXXX XXXX and then called paid off because the loan is a loan that was considered illegal in CA as it was at 138 % interest and I paid 2 years ago and negotiated with original creditor. XXXX XXXX I disputed with and I proved illegal they need to remove this from my credit reports Experian and XXXX immediately. This was an illegal loan for 2500 that I paid over 4000.00. 

This is not owed and XXXX XXXX bought this from some other debt company that could not report it because it is illegal. I will not pay this company anything ever and I will get an attorney and go after them calling from spoof numbers, harassing me on the phone and threatening to show up at my house which is all illegal. I have stood my ground with them and want these removed from my credit reports immediately.. I already had another issue with this company buying a ghost debt that I proved not legitimate either and they removed. 

Experian 's online dispute does not work. XXXX was working on another dispute and I could not add this one for 30 more days.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Pursuant 15 USC 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report under following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I XXXX XXXX as the consumer has NEVER gave any consent for XXXX, Transunion or XXXX to furnish this account ( XXXX XXXX XXXX ) and inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX ) on my consumer report! As consumer reporting agencies, pursuant to 15 USC 1681e ( b ), you're failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report. Your actions is damaging my reputation, character, credit worthiness!

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 2022-10-27
Company: EQUIFAX, INC.
State: NC
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind in my mortgage payments and have a foreclosure sale date scheduled on XX/XX/2016. I have applied for a loan modification with my mortgage company and they are saying they dont have enough time to finish the review and are going to take my home to sale. I need help in any way possible to get them to postpone the sale date. Please help!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
as previously states, I am a victim of identity theft

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple complaints identifying identity theft on my report well over 4 business days ago. Because my rights have been violated I am demanding that the accounts that I have identified as being the result of identity theft be blocked or removed from my credit report no later than four business days after the receipt of such information that I have sent over in accordance with 15 USC 1681 c-2.

See multiple previous submissions through CFPB portal showing accounts identified as identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

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 2022-11-13
Company: National Credit Adjusters, LLC
State: CA
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: Billing dispute for services

Complaint:
This is not my loan I have police reports and whiteness to this my identity was stolen and someone we were renting our garage too at the time took a loan out in my name and collected this using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Inaccurate Reporting and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint and request an investigation into an ongoing issue related to my credit report. This matter pertains to a charge-off account placed on my credit report by XXXX, a creditor, which I believe to be inaccurately reported. This inaccurate reporting has adversely affected my reputation and is preventing me from accessing reasonable and adequate lending opportunities, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have taken the following steps to address this issue : 1. I have submitted multiple disputes with all three major credit bureausXXXX, Experian, and XXXXregarding the disputed account. Despite these disputes, I have not received a response detailing the method of verification and validation of the debt, as required by the FCRA. 

2. I have also attempted to resolve this matter directly with XXXX, the creditor in question, but have not received a satisfactory response or resolution. 


Given the persistent inaccuracies in my credit report and the failure of both the credit bureaus and the creditor to provide adequate documentation, I am left with no option but to escalate this matter to the Consumer Financial Protection Bureau for further investigation. 

I kindly request the following actions be taken by the CFPB : 1. Initiate a thorough investigation into the reporting practices of XXXX regarding the account in question. 

2. Request XXXX to provide a detailed method of verification and validation of the debt, as required by the FCRA. 


3. Demand an immediate removal of the inaccurate reporting from my credit report, as it has caused harm to my creditworthiness and reputation.

I have attached copies of all dispute letters previously sent to the credit bureaus and the creditor for your reference.

I am also open to discussing this matter further and providing any additional information required to expedite this investigation. 

Thank you for your prompt attention to this matter, and I look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

Sincerely, 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 2022-11-13
Company: Experian Information Solutions Inc.
State: NY
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:
the XXXX crediting bureaus sold this fraudulent debt to a crediting agency, XXXX credit, they refused to investigate, they did not want to expunge the debt from my report unless i paid. requested and received pay to delete under false pretenses resulting in identity theft on their part according to the Identity Theft and Assumption Deterrence Act of 1998, This Act makes it a federal crime to " knowingly transfe [ r ] or us [ e ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutions a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' ( 47 U.S.C. 1001 et seq. )

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 2022-11-13
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX RP Funding responded to my original complaint stating that flood zones change and the property has been deemed to be in a non flood zone. Since the structure is not effected and not located in the flood plain, the decision was made to cancel the flood insurance requirement and/or any force placed coverage. 
XXXX I called RP Funding inquiring about the escrow account not being credited for the {$2400.00} since the property is no longer required to have flood insurance. The response was that the FEMA maps that they acquired days prior was for the current flood insurance requirement. I asked if they had looked at the FEMA maps that had been provided via snail mail, email and FAX by myself, XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX. XXXX, in the insurance department stated that it is my responsibility to provide them with the FEMA maps that would have been in effect from XXXX. I went to the FEMA website and obtained the maps that RP Funding demanded I provide to get the forced-placed flood insurance policy refunded. In my research the flood map for my property has not changed since XXXX. Therefore the maps acquired are the same maps that they have which should be in my file numerous times and a copy was even included at the time of closing. 
XXXX I composed a letter expressing and detailing what I am making a formal complaint about now. I submitted FEMA maps both by email and FAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: MS
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 report act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 620 A. States I have the rights 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

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 2016-11-29
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Loan modification offer has been altered from the original offer. The " Principal Reduction Alternative '' clause was removed in the third modification package I received. 
HAMP affidavit has a " Rental Property Certification '' clause. it has been established that I am living in the property. 
The " Clarity Commitment '' sheet is missing in the third packageI received. 

Nationstar has been sending me package after package. that I have signed and sent back. The events are as followed. 
-On XXXX 2016 Nationstar sent the Loan Modification Package. I signed it and sent back. 
3 weeks later I inquired about it. They say that one of the papers was not signed. 
-Mortgage company sent a second set, replica of the first set. Signed and sent back. 
Did not hear from them in weeks, when inquired by phone, they say to wait for it to be " booked ''. 
-A third modification package was received on XXXX XXXX. This one is different in the following ways. 
1-In the summary page, the " Principal Reduction Alternative '' Clause that was in the original package is missing. 
2-HAMP affidavit was included this time, but it has a " Rental Property Certification '' clause, even though it has been establish that I am living in the property. Is this right? 
3- '' Clarity commitment '' sheet missing. Which I do not even know if it is necessary, but it was on the original package. 

On XXXX XXXX, email and an followed by a voice mail to my assigned loan agent. 
With these concerns. 
I do not received any answers. Few weeks later, what I got in response, was a XXXX package. Replica of the third one, urging me to sign and send back. 

XXXX XXXX, left a voice mail to my loan specialist, followed by an email on XXXX XXXX to ask him about the HAMP " rental property certification '' on the affidavit. 
And the other two issues listed above. 

Today I got a letter from Nationstar stating that they are going to look into the matter and will respond, latest XXXX XXXX. 
The issue with this is that Loan Modification Package is due by XXXX XXXX! 

This is really frustrating. It feels like I am been played around. 
Voice mail and emails addressed to my loan specialist are not been returned. 
I will attache the supporting documents to this complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My niece sent me {$80.00} via XXXX XXXX. I don't have XXXX XXXX. I don't want to open an XXXX XXXX account. I want the funds reversed back to my niece 's TD Bank account. 

Both XXXX and TD Bank are pointing fingers at each other. They are putting the owners on me to open an account that I don't want. The should have a control where funds reverse back to sender.

Company response to consumer: Closed with explanation