BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2018-11-13
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: Information belongs to someone else

Complaint:
I have requested several times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Act. # XXXX. No phone number listed on report, to verify the said debt listed on my credit file. I have also sent a copy of my state issued I.D and a copy of my Social Security Card to assure it is me who is requesting the information. In accordance to the FCRA 605B. TransUnion still will not block, verify, validate or remove this negative information. This has gone on for several months and they continue to use a system none as XXXX  to parrot information from the original creditor. I have not received a original instrument of indebtness other than a bunch of invoices with no signature of mine. Yet TransUnion still is asking for more information and refuses to delete this information. I have been a victim of Identity Theft before and had to go through the same thing back in XX/XX/2014 and this is around the same time this debt was created.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Since XX/XX/XXXX I have patiently waited for XXXX, TransUnion and XXXX to accurately report information from five accounts, and I will gladly provide account information and records. Its been over 2 years and in accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report. 

On XX/XX/XXXX XXXX completed its investigation of my dispute ( confirmation number XXXX ). 
On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 63 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 62 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 45 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX completed my dispute on XX/XX/XXXX ( confirmation number XXXX ) On XX/XX/XXXX XXXX completed my dispute and provided creditor remarks as paid, closed, {$580.00} written off however on XX/XX/XXXX they provided inaccurate information as reported on my recent credit report from XX/XX/XXXX. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is another account that on my recent credit report from XX/XX/XXXX and is inaccurate. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is reported inaccurately on my recent XX/XX/XXXX credit report. 
TransUnion account XXXX, XXXX, XXXX is reported inaccurately on my credit report. 

The Credit Bureaus stated my account was properly investigated but, how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and XXXX, TransUnion and XXXX have violated my right under 15 U.S.C 1681 section 602 A that states I have the right to privacy and 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The inaccuracies reported by the XXXX, TransUnion and XXXX is a violation of my rights under the Fair Credit Reporting Act and has prevented me from career opportunities.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: PA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Identity theft not my accounts I have within the ftc also

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
law 15 U.S.C 1666B I have send in many letters to trans union regarding this issue as per borrower defense Federal Student aid application number XXXX this loans have been paid in full or otherwise discharge. I have send the attachment email received from the Federal student Aid to transunion nothing has been resolve. this is affecting my credit and causing XXXX  and XXXX because of this issue my score is very low. please help thanks This is for XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is not coming up on here i try the drop drop down

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 2023-08-07
Company: Consumer Adjustment Company Incorporated
State: MI
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:
Filed fraud report as well as a police report with original creditor. This is the 2nd attempt with a new debt collector, which has resulted in lowering my credit score again. This company is in violation of Title VI of the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-10-12
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
my account went into forbearance due to the covid 19 pandemic, and after the forbearance period ended i tried to make payments and additional payments to catch up on my debt the return the monies as overpayment and started foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: WELLS FARGO & COMPANY
State: AZ
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 opened a dispute with XXXX for my Wells Fargo Home Mortgage account ( late XX/XX/2022 ). During the dispute investigation, the creditor was not honest and decided not to change or correct my account balance to reflect paid in full. Because, my account balance was Paid In Full before and during the dispute investigation. After reviewing the XXXX dispute results dated XX/XX/2022, I called the creditor and they refused to accurately update my credit report. And the creditor rep told me to contact XXXX to clear this matter up. So, I immediately called XXXX and they said ; I can try to upload documentation proof for the dispute or mail the proof to their po box ( which would take several weeks to process ). I tried uploading the documentation and it was not accepting my numerous submissions.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my multiple attempts to notify XXXX AND TRANSUNION credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We stipulated a conventional loan to buy a first home on XX/XX/XXXX. In XX/XX/XXXXXXXX XXXX  the bank communicated that we didn't have home owner insurance and we had to purchase one. We did that immediately and for the present and the future we are all set. Nevertheless in XX/XX/XXXX they communicated to us that we owe them {$7200.00} retroactively because we didn't have home owner insurance. Between XXXX and XXXX there have been several communications ( written and over the phone ) with the customer service but all they were all confusing and often contradicting. The Interest Rate Lock Commitment of the loan ( signed by both parties ) states that home owner insurance was mandatory to stipulate the loan itself but at closing the loan officer didn't ask for that. 
If we don't take any action starting XXXX they will collect together with the loan payment an additional {$600.00} monthly from our bank account for 12 months ( to collect the {$7200.00} in full ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is information that on my consumer reporting as Charge Offs. I did not receive a copy of my 1099C form from any of the creditors thats reporting to the credit bureaus. Per U.S. Code 6050P the creditor has received a tax off write off and they submitted a 1099C form to IRS. Therefore I should not have his debt reporting on my credit report. Also since these accounts are listed as Charge Offs there should not be balances reporting and especially since these accounts have already been written off by the creditor. Please send me any forms or documentation showing that you have the right to report this as a debt, if you can not provide that please remove these accounts from my credit report immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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: Other problem getting your report or credit score

Complaint:
While attempting to obtain a car loan in XX/XX/XXXX, I was notified by the car dealership that they could not obtain any credit information for me. They said my credit appeared to be locked. Credit was obtained through XXXX on XX/XX/XXXX but at a high interest rate since they could not verify my credit. I wrote a letter to Equifax in XX/XX/XXXX with all pertinent information ( full name, date of birth, social security number, address and driver 's license ). Equifax wrote back saying they were unable to locate a file for me either because I had not applied for credit, have not activity used credit in the past 10 years, or have not lived the U.S. or been issued a social security number. I've called them several times explaining I have a loan with XXXX since XX/XX/XXXX and they said it's not being reported. I contacted XXXX and they insist it is being reported. I ran a free credit report from XXXX and the XXXX account is showing up. However, in XXXX I tried to apply for a credit card and was denied. I think it's because Equifax doesn't have a file for me so not only am I having to pay an exceptionally high interest rate on my car loan but I am also being denied credit. Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-02-04
Company: EQUIFAX, 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:
The following Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accountd below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
It seems that the company is just trying to set me up to fail. I lost my job in XXXX and have been trying to get Unemployment Forbearance from Lakeview LoanCare since XXXX. I first applied online through their website on XX/XX/XXXX, it takes 5 business days. Their website said " Submit documents we are requesting in the document section ''. The document section had no documents shown. I called about it. They said give it about 2 days. I checked and submitted the documents which was my last pay stub of income source. I got declined. I called and asked why I didn't get the assistance and they said I needed to submit income ( even though I lost my job in XXXX ) I needed income from another source, not from my last job. My unemployment finally hit, I tried reapplying online on their website but it said it is not working to call the number. I did on XX/XX/XXXX. They said they'll submit a packet in the mail that should arrive in 10 business days. I received it around XXXX. I scanned and emailed them the application on XX/XX/XXXX and said it would take about 5 business days. They never reached out to me about it. I called XX/XX/XXXX to check on the application process and they said it never started because they never received it. Their imaging didn't go through because it usually takes 24-72 hours for them to receive from email to their system. They're not tech savvy enough to know why they didn't receive the XXXX  that I scanned. They told me to try again and reach out to them after 24-72 hours ( 1-3 business days ). I submitted it immediate and asked them to stay on the line so that they could verify that they received the email. They said they couldn't and that they don't have access to that part of the system. That I should reach out to them 4 days later. I'm just trying to hold off on my mortgage payments for 2-3 months while I find a job.

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 2022-12-16
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  - XX/XX/2021 Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX  XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX XXXX XXXXXX/XX/2021 Equifax XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX I requested that they remove these unrecognized inquiries. I was treated rudely by one agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is information that on my consumer reporting as Charge Offs. I did not receive a copy of my 1099C form from any of the creditors thats reporting to the credit bureaus. Per U.S. Code 6050P the creditor has received a tax off write off and they submitted a 1099C form to IRS. Therefore I should not have his debt reporting on my credit report. Also since these accounts are listed as Charge Offs there should not be balances reporting and especially since these accounts have already been written off by the creditor. Please send me any forms or documentation showing that you have the right to report this as a debt, if you can not provide that please remove these accounts from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief