BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 602 A Section : It also states a consumer reporting agency can not furnish an account without 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 non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalided and questionable items on my report the the agency didnt make sure was 100 % correct. 

in accordance with the FCRA everything has to be 100 % accurate on my report and under the US code 1681e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting accurate information.

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 2023-02-22
Company: EQUIFAX, INC.
State: FL
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:
The below credit inquiries were done without my consent and are unauthorized and try to dispute direct with Equifax and they did not remove. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CITIBANK, N.A.
State: MA
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 Identity was stolen in two-three data breaches and has been used open credit cards. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards from CITI bank that were opened due to identity theft. I notified CITI. Made a police report. Added a fraud alert on my credit reports. I sent Citi bank documentation multiple times via certified mail which has been received and the signature card returned to me that validates I am a victim of Identity theft. 

Citi bank as of today XX/XX/2022 which is over a year I have been trying to correct this horrible act has not removed the accounts that were opened in my name with my social security number from my credit report. I have called CITI numerous times with no resolution and I am brushed off. I have requested documentation pertaining to the accounts listed on my credit report multiple times. Finally, I received documentation from CITI bank that also validates the accounts on my credit report that CITI is reporting as in default and charged off are not my accounts and CITI continues to report negative information to all three credit agencies. 


The paperwork that I received from CITI bank allowed the use of my identity that was stolen to open credit cards and commit this horrible act that is causing my credit and health to be abused because Citi bank continues to report negative information to all three credit bureaus. Attaching are documentation I received from CITI bank that verifies that my identity was stolen. The papers I received from Citi bank were two packets in one envelope one packet has a top # XXXX have multiple credit accounts attached. The next packet is labeled # XXXX. I have attached the police report that confirms that this has been reported to the police department. All the attached documents have been sent multiple times to CITI bank and they continue to disregard that I am a victim of identity theft.Citi Bank has tarnished my credit and this needs to be addressed now and corrected.

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: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to make payments on my student loans for almost 2 months now with aid-vantage. I gave tried to receive help twice only to be told that its a bank issue and that they can not find my account. Both those times i was on hold for almost 3 hours and i do not have the time to do that again. I even have emails from them saying the same exact thing. I have double checked my bank account information that i gave them and there is nothing wrong. Now I am having interest accrue on my loans that i cant even pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX is not doing their job and will not provide return phone calls nor provide customer status. I began shopping for a refi/cash out loan in XX/XX/XXXX with several lenders that I had already qualified with prior to having the conversation with NewRez. In fact, I already had my home appraised and appraisal in hand. The loan officer I spoke with appeared to be professional and knowledgeable, along with having a pleasant personality. He advised they had same product I was interested in which was XXXX my current conventional loan into a FHA loan in order to qualify for cash out I was up front with seeking out of this transaction. With those factors in mind, I moved forward with signing my loan intent on XX/XX/XXXX and it is now XX/XX/XXXX. I was advised that expectation for closing would fall near or around XX/XX/XXXX due to the overwhelmed market handling of refis. I thought that was fair and transparent with having the up front communication. Nearing XX/XX/XXXX, I began making calls to my loan officer and did not receive a return call or response to my emails also sent. I escalated to loan officer supervisor and when no return call then escalated to loan officer 's manager. The next day XX/XX/XXXX, I received a return call from the loan officer supervisor who advised that my loan hadn't been assigned to their UW and he would escalate. They had my completed paperwork for 3 months and it had been sitting untouched this entire time! I was advised they only assign on Mondays and as my call was on a Tuesday, I would have to wait for the next week to hear from the next person a junior processor to contact me which was on XX/XX/XXXX. That went pretty smoothly, except then I get a message on XX/XX/XXXX in their portal it indicated I need to have my foundation certified and then the message disappeared on XX/XX/XXXX. Again, I made several calls trying to confirm what was needed and advised my file would need to be assigned to a processor to advise as the junior processor nor my loan officer could direct me on what was needed before I went out and hired my own engineer. On XX/XX/XXXX I had a processor assigned confirming the engineer certification needed and completed same day with report provided to NewRez on XX/XX/XXXX. Up to date here on XX/XX/XXXX, the status indicates pending review of the engineer report. I began making calls to the processor and my loan officer last week on XX/XX/XXXX and again today XX/XX/XXXX with no return calls. This by far has been the worst customer experience in my lifetime and no one is stepping up to be accountable or responsible to ( 1 ) do their job ( 2 ) manage your employees ( 3 ) give a care about your customers. I am already an existing customer as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 have not authorized or participated in any transaction that would have led to this inquiries, and I request that they be removed and blocked from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent in several dispute letters in regards to public record information being reported about me on XXXX, TransUnion an XXXX. I sent out letters on XX/XX/2020 to each company requesting their method of verification in regards to the public records and they have failed to respond to this letter within the allotted time of XXXX  days. It is now XX/XX/2020 and I have yet to receive a response about my dispute. Please remove this account immediately for failure to adhere to the FCRA and reporting unvalidated information!

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 2020-12-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The account in question in discussion is Toyota Motor Account # XXXX the issue at hand is a late in XX/XX/2020, I was unable to make a payment due to Covid-19. When I was able to I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
This information that I show here is to be removed from my report since it is not mine and it affects me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX I woke up to my car gone and when I checked my phone somebody had emptied my bank account. I ended up finding out it was my childrens father and immediately called the police. The police came to my home but after talking to them, I was told that me and my childrens father was common law married and that it was a civil issue. They did not furnish a police report. I called Bank of America when they opened and explained to them what happened but since I could not furnish a police report, they closed my account and reported me as fraud. Something I was not aware of until last year. So I contacted XXXX XXXX police and asked if they could provide me with the original call for proof that I did call the police. They furnished this report I am attaching. I have reached out to Bank of America and also chexsystems so that they can remove this negative item but they have refused. They are illegally providing information that is untrue and has been proven to be untrue. Im also receiving the original call recording for that day.

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 2023-01-26
Company: Experian Information Solutions 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:
I want to inform you that I was the victim of identity theft. Per FCRA section XXXX you are required to delete/block the items listed on an id theft report. Please find the required documents to assist in the blocking/removing of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX, A XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX # X XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX CT XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1200.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1200.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX  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 2020-12-21
Company: Experian Information Solutions Inc.
State: VA
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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.

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 2020-12-22
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX 2020, PHH Mortgage issued property tax payment to XXXX County from my escrow account, as per usual. The amount paid was in excess of the amount due. On XXXX XXXX, 2020, XXXX County Treasurer 's office issued a refund for the overpayment amount, {$770.00}, which was sent back to PHH Mortgage to be deposited back into my escrow account. 

I have contacted the mortgage company multiple times to find the status of the refund, as I do not see it credited to my escrow account. The mortgage company states that the payment has not been received, but also that a third party company handles escrow accounts. With each contact I make to PHH, I am told that they are researching where the payment is. I have also contacted XXXX County Treasurer 's office, who state that the check was cashed. 

PHH has received the money, but seem to have lost it, and after multiple attempts to get assistance, it has been 7 weeks since the refund payment was sent, and PHH has yet to apply my money back to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
XX/XX/2019 paid back loan but still saying I owe the loan. And saying I have other loans that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by another mortgage company, and they told me I would continue to pay the same monthly amount. But months later they asked for additional chatrges, and I asked them several times to explain the additional charges. Tey have not done so. Also they took one of my mortgage payments and redireted it into a general account, instead of applying it to my mortgage. I did not authorize them to do this, and now they claim my balance is short.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mitchell D. Bluhm and Associates sent me a letter today claiming their attorneys would be looking into my case of an unpaid medical bill of {$570.00}. I called my hospital and they say this bill has never existed, nor does my insurance have any knowledge of this bill. The law office claims to be mailing me an itemized bill from the hospital, yet the hospital has no knowledge of this bill.

Company response to consumer: Closed with non-monetary relief