BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: WI
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:
I am reporting to have the following accounts attached in this complaint to be removed from my account. They were added there without proper verification and with discrepancies. This goes to show that not much investigation was done and therefor a violation of my FCRA. I already informed bureaus but to no avail.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  ( Original Creditor ; XXXXXXXX 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 Believe I am a victim of identity theft or mistaken identity. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
All student loans are paid in full/XXXX  balance. This includes DOE XXXX XXXX, XXXX ( now XXXX ) and XXXX. The balances are reflected as paid in full/XXXX  balance on the credit report, however, the accounts are still showing as delinquent and negatively impacting my credit score. XXXX  informed me that the credit bureaus had been notified in XX/XX/2022 that all balances are paid in full/XXXX  balance yet Transunion on XX/XX/2022 informed me that XXXX ( now XXXX ) is still reporting as delinquent. I would like all delinquent accounts that are paid in full/XXXX  balance to be removed from my credit report.

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 2021-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid XXXX to XXXX XXXX, I didn't know they are based in XXXX. Part of the XXXX XXXX. They have a New York number that routes them to customer service in XXXX. My flight with XXXX XXXX was on the XXXX of XXXX XXXX departing from XXXX XXXX to XXXX arriving at XXXX XXXX. I was going to pick up the car at XXXX. Unfortunately I was moving that day and the movers took too long, i ended up arriving late for my flight and missed it. XXXX XXXX changed my flight for the next evening XX/XX/XXXX. I called economy bookings at ( XXXX ) XXXX, they didn't cancel my reservation after I requested them too since I missed my flight, I wasn't able to pick up my rental car. They actually hung up on me and didn't answer my subsequent phone calls. I then immediately called my credit card Capital One. They initiated a dispute, and weeks passed by I called and requested they add the disputed amount returned to my credit card. Last Monday Capital one charged back {$790.00}, I was infuriated, and at a loss for wards. They are not working with me and forcing me to pay for a rental car I never picked up. I am very unhappy with Capital One. I can't afford to pay this since a rented another rental car from XXXX for {$800.00}. I need help, please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent a Venmo payment through Venmo to a two people I did not know for a service that concluded in me being scammed. 

The first payment was sent on XX/XX/2020 for {$50.00}. 

The second payment was sent on XX/XX/2020 for {$200.00}. 

I contact Venmo and made several attempts to get this resolved. They said they can not help me and that I needed to contact Law Enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit reporting act XXXX account # : XXXX XXXX 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

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 2023-02-01
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi, I am filing a complaint due to inaccuracy being on my credit report. There's two dismissed XXXX XXXX XXXXs on my credit report. Letters and request online has been sent to have them removed. Information was submitted incorrectly and resubmitted without my knowledge. There is also a XXXX XXXX on my report that has been requested to be removed letters and request online has also been submitted but it has not been removed. I have advised the bureaus that the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately however no action has been taken. 

Bankruptcy disputes were sent on XXXX XXXX XXXX XXXX, and 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 2021-08-06
Company: HomeKey Lending, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX and XXXX of XXXX I spoke with XXXX XXXXXXXX about applying for a VA Mortgage Loan. The person also added another co-worker to the call. The merged caller was said that she is great with VA Loans. They ran my credit information and contacted me later in the day. I then explained to them about our selling of the home in XXXX, moving to XXXX and paying off all the revolving debt. I was told that my score was too low, but to wait 30-45 days for the credit history to reflect. The housing situation during this pandemic is not the best at letting you wait for anything. So, I then asked about doing a Rapid Rescore for the accounts that were not reflecting the recent payments. I was told that they would investigate it. The company called back the next day with an amount of $ XXXX that they wanted to charge me to run a rapid rescore. I never sent them the information to prove to the credit agencies of the payments, nor did they ask for said information. I was told it cost {$290.00} per account per credit agency. I told them that I was not going to pay for that. I then told them that they were not supposed to charge me for that either. I sent XXXX a text about sending me the disclosure on the rapid rescore so I could go over the charges. I never received a disclosure but was called the next day by an associate of the company claiming to merge the call with the owner of HomeKey Mortgage. The call looked important so I answered, even though I was in the restroom. I asked them to call back in 10 minutes to let me get out of the restroom. I was told that they probably would not be available. I did not receive a call back. I called back 11 minutes later, but was transferred to voicemail. I called back 12 minutes later again, but was transferred to voicemail again. I then left a message, with no one calling back. I have not heard back from anyone with the company since then. The realty company has not put us in contact with another lender.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-17
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : 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 2023-07-12
Company: EQUIFAX, 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:
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 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 explanation
Consumer complaint received 2018-11-19
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I need help with my mortgage company This is the equity line on my house and the 10 year interest only came due and they are requesting the whole balance I do not have that and have been offering there money for a short payoff my family has offered to help with the money they keep saying no only will take the whole balance We did get a Modification on the 1st mortgage under the Hamp program and never been late with that I have been willing to make Reg payments on this mortgage they keep asking for the same info over and over again Now I am facing a sale date next week trying to action off my family home please don't let this happen and have them give us more time and a plan to keep are home. 

We were told at one time if we got a Hamp Modification on the 1st the 2nd would work with us why is this not true anymore? And if this is gone why did they not do something way back then to help me keep this home not just keep asking for all the money and well the interest keeps going up.

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 2017-07-18
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:
My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed  XXXX , Experian, nor  XXXX  has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given  XXXX , Experian and   XXXX    multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.

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 2022-10-07
Company: EQUIFAX, INC.
State: MI
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Accounts : XXXX XXXX Bankruptcy Account XXXX Account XXXX Balance XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX Account XXXX Account XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Account XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX XXXX : {$420.00} Unauthorized XXXX : Inquiry Name : XXXX XXXX XXXX Inquiry DateXXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX Inquiry XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Please Remove XXXX XXXX XXXX  and it's other names ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/2018 I submitted a dispute to XXXX informing them via written letter, that they were reporting me as an authorized user, a charge off account from Navy Federal Credit Union in the amount of {$8400.00}. I informed them that I am not responsible for this debt and to delete this account from my credit report, but they have failed to adhere to the FCRA guidelines. This debt does not belong to me and they also failed to validate that it does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
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:
On XX/XX/22, XX/XX/22 XXXX, XX/XX/22 and XX/XX/22. I asked the credit bureau to investigate items that I believed weren't reporting information at XXXX percent accuracy. As of now, I haven't received any notices from them stating that the accounts are in investigation. In my letters to the bureau I listed my reasons for disputing the information as far as incorrect amounts, dates and statuses of the accounts.

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 2023-02-01
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I co-signed a loan for my son on or about XXXX, XXXX. I believe the amount was for {$16000.00}. Navient last contacted me in writing on XX/XX/XXXX. It was dealing with XXXX, not payment of the loan. The last phone call from Navient to me was on XX/XX/XXXX and indicated no co-payment was due at that time. 

Recently, without contacting me first to discuss the loan, Navient reported to the credit agencies that I was in default on the loan, which was not true.My credit went from good to fair. We intend to move to a new apartment, but the reduction of my credit rating has stalled our move. 

NAVIENT MUST IMMEDIATELY REMOVE THE FALSE CREDIT ALLEGATIONS FROM THE CREDIT BUREAUS ' REPORTS. THEY HAVE LIBELED MY CREDIT AND CAUSED ME DAMAGE. 

Further, this loan is now terminated by the California Statute of Limitations, which is four years. Navient has filed no lawsuit on the loan for more than four years after the last payment on the loan was made, and the loan is no longer enforceable. NAVIENT NEEDS TO IMMEDIATELY TERMINATE THE LOAN. 

Please call me if additional information is needed. Thank you for the help.

Company response to consumer: Closed with explanation