BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
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:
Experian continues to report false information on my credit report. Attached is a screen shot of my credit profile. I have sent a copy of my drivers license, two utility bills, and a copy of my social with the correct address, phone number, and employer. Experian continues to report addresses that I have never lived at, names I have never gone by, and accounts that do not belong to me. 

XXXX. 

Names : XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX  XXXX  XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit - Highest balance {$100.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$3500.00} Highest balance - Terms 36 Months On record until XX/XX/XXXX Payment history XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX At this time I am asking that Experian do their due diligence and delete this from my credit report. Experian allows creditors to exploit victims of fraud and continuously place fraudlent credit items on consumers credit reports. Experian allows debt collection agencies to place fraudulent files on consumers credit reports and do not verify the debt. Experian never mailed any verification information to me or anyone given permission to by me to accept any mail on my behalf. Experian continues to cost me money by allowing creditors and collection agencies to put credit items on my file and do not verify those accounts. I XXXX XXXX XXXX maiden name : XXXX have never had an upgrade account or an account with XXXX that the Experian continues to allow to go on my credit file. This is fraud ... and Experian have not and will continue to lie about investigating files that they never investigate. Experian should be closed for there deceptive tactics.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-04-17
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: Information belongs to someone else

Complaint:
I was a victim of identity theft. I sent a ftc report in to all the credit bureaus, per the fcra the have to block these items within 4 business days. the following Accounts XXXX XXXX at 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 2023-11-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested a home equity line of credit from my XXXX XXXX. Within XXXX seconds of hitting submit, I started receiving phone calls, emails and text messages from lenders. I have received over XXXX phone calls in the past XXXX weeks. Every time I try to use my phone, another call comes in and I end up accepting the call rather than dialing out. I do not want to have to change my phone number because of their actions. 

This is a flagrant abuse of their privileged access to my credit report and mortgage inquiry.

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 2023-03-07
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section XXXX A. XXXX 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 explanation
Consumer complaint received 2023-09-19
Company: Yield Solutions Group, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I refinanced my auto loan via REFIJET/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX disbursed funds via ach to REFIJET to disburse to my previous lender on XXXX, which REFIJET received on the same day XXXX. 

Today is XX/XX/19 ( 11 days since they received said funds to complete the transaction ) and REFIJET still has not disbursed funds to payoff my previous loan, causing me to lose money in interest roughly ( {$22.00} a day ) on two open auto loans while RefiJet holds the XXXX in their account to collect interest ( this is a clear violation of Unfair, deceptive, and abusive acts and practices ( UDAPP ) by withholding disbursement to enrich themselves. 

I called REFIJET today XX/XX/19 asking why is it taking this long - their response was it takes time to process a check, really... 11 days?!?!? 

Once again a clear disregard of UDAPP regulations which were created to stop this nonsense from financial entities. 

I want a refund of the interest I've loss from both open loans since XXXX, due to Refijet holding MY money and not disbursing in violation of UDAPP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: NC
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 contacted the credit bureau on several occasions and made them aware. 
The credit bureaus instructed me to come here to file my dispute before they could remove.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Date reported and Delinquency first reported have been recently changed to a date after the charge off

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 2023-09-19
Company: Diversified Adjustment Service, Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: Credit inquiries on your report that you don't recognize

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX Unit XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/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 2023-11-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint regarding persistent inaccuracies and incomplete information on my credit report held by Equifax. Despite assurances of account " verification '' and accurate reporting, the data remains incomplete, inconsistent and inaccurate. Additionally, my previous request for original documentation, including signatures, contracts, and details about the verification process, has gone unanswered, thereby violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a comprehensive investigation. 

Contrary to claims of a thorough verification process, the following discrepancies persist on my Equifax credit report : 1. Credit limit : No information reported.

2. Amount past due : No information reported.

3. Date of last activity : No information reported and discrepancies across bureaus.

4. Deferred payment start date : No information being reported.

5. Balloon Payment date : No information being reported.

6. Scheduled payment amount : No information being reported.

7. Charged-off amount : No information being reported.

8. Date closed : No information being reported.

9. Date Last Active : Variances are present across two bureaus and discrepancies across bureaus.

10. Payment History : Discrepancies are noted across the two bureaus. For the months XX/XX/2017 thru XX/XX/2017, there is no data being reported for Equifax. XXXX, on the other hand, has me listed as current with payments for those same dates. Information is incomplete and inaccurate, contradicting the earlier claim of a thorough investigation and verification. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, leading to unjust credit denials. I am dedicated to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite previous assurances of a thorough investigation, the reported information remains inconsistent, inaccurate and incomplete. Instead of requesting a re-investigation, I am demanding Equifax to remove/delete this account from my Equifax credit report. 

Enclosed, please find supporting documentation highlighting these inaccuracies for your review. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-06-09
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280000.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action.

-- REAL EASATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280000.00} -This is not 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 2020-06-29
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I set up bimonthly payments with Specialized Loan Servicing on the SLS.org website. 

On XX/XX/XXXX SLS withdrew {$1400.00} via ACH for 1/2 of the XXXX mortgage payment. 

On XX/XX/XXXX SLS withdrew {$1400.00} via ACH for the second 1/2 of the XXXX mortgage payment. 

For unknown reasons SLS did not withdraw either of XXXX XXXX ACH payments and did not notify me until XX/XX/XXXX that my XXXX payment was late. In the notification letter they listed a next payment due date of XX/XX/XXXX for a total amount of {$2400.00} and a late charge of {$72.00} inferring that the XXXX payment was late. ( As stated above SLS had withdrew both XXXX debits. 

After 4 separate requests SLS is refusing to reverse the late charge claiming that they had already dismissed a previous late charge in XX/XX/XXXX. 

I don't feel that I should be responsible for this or any late charge as I paid the XXXX payment via ACH and it was SLS 's fault that they didn't process the XXXX payments via ACH.

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 2020-06-09
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX I was diagnosed with XXXX. i used up my FMLA and was unable to work. I never had trouble paying the, even though i was paying back three ties the amount given. At the time I called the company and told them about my situation and the fact that I had no income. I have now received social security but it only covers the Cobra insurance so I can receive my treatments. Then COVID 19 came and the lockdown. At the time I owed XXXX dollars, that they could write off but instead of seeing how I had already over payed them, they started to call me frequently. I know they could worked with me better. They prey on desperate people with good intentions. The pay back amount should be illegal. You may say we see the terms, but they also see our income and know the possibility of hardships. I have paid them back thrice the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NJ
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:
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 XXXX XXXX XXXX. 


XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} - Has violated my rights XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights XXXX XXXXXXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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
Consumer complaint received 2023-09-19
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX my credit got messed up, XXXXXXXX XXXX XXXX put in on report, I totally understand, XXXX  put in on my credit report twice with two XXXX  companies, now after five years they sell it to LVNV funding and they mark my credit report for a third time, so this is being held against me for twelve years, they make it where you can never get on your feet. XXXX made a lot of money off me since XXXX when I first received the card. I don't think I should be terrorized by them for twelve years.

Company response to consumer: Closed with explanation