BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
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:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$110.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX  XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX XXXX Balance Owed : {$740.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$270.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$72.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} ; XXXX  XXXX Balance Owed : {$660.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2019-08-04
Company: Credit Lending Services Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CREDITOR XXXX XXXX XXXX # XXXX start date XX/XX/XXXX balance XXXX. 
orginal creditor : credit lending services start date XX/XX/XXXX orginal blance XXXX, acount removed XX/XX/XXXX DISPUTE i was never informed properly that my orginal creditor the dealership XXXX XXXX XXXX XXXX   sold my account, nor was it told to the insurance company or to the dmv. 
it was a fraudulent overturn of the account from the dealer to the 1st creditor then to the creditor inquesition. 

COMMENTS i have included 2 links of a claim from my insurance on the car that was a dated from XX/XX/XXXX for the amount of XXXX check number XXXX in to pay to the order of it clearly states XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. 
Also my sales contract states that XXXX XXXX XXXX XXXX is the financer. 
Not Credit lending services Please copy and paste : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Now in XX/XX/XXXX I had provided XXXX  with the claim above and they deleted the account off my record so XXXX went forth and decided to add it to my other reports and it hurt my scores hard XXXX   removed it but it didn't go back up except by 1 point and XXXX hasn't even gotten back to me as of now in any way. 

They have officially ruined my scores. 

Thank you and have a great 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 2022-12-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my loan in XXXX. XXXX Mr. Cooper stated the title company shorted them on the payoff. They said for this reason they returned the wire funds back to the title company. I had a call with the title company and Mr Cooper on XX/XX/XXXX and we stated we could send them the difference for the shortage. They said no and that they had already returned the wire. To date the title company has not received the wire back. Every day they receive a call and say the same they will have to escalate and that there is a XXXXXXXX XXXX turn around. This have been going on for XXXX XXXX They continue to draw interest on the funds and this is also impacting my XXXX XXXX, even though I have the proof of closing on my loan. They have not even provided the ID number for the wire so it can be traced. I am tired of their excuses. Additional call log from XXXX XXXX XXXX wire was sent on XX/XX/XXXX to pay off loan. Taxes and XXXX  were disbursed, leaving the payoff short {$10000.00}. XXXX has funds since XXXX to send to Mr. Cooper but they advised wire was sent back already so shortage could not be sent in. Mr. Cooper states wire was returned on XX/XX/XXXX but no record in our bank shows this wire coming back. 
XXXX to XXXX to look into issue-was advised no info could be provided an ETA of XXXX XXXX to look XXXX where the initial wire of {$290000.00} was as we have not received back yet. 
XXXX back and was advise answer could not be given-no XXXX provided- another client escalation put XXXX for XXXX of XXXX XXXX to provide XXXX XXXXXXXX number to locate wire XXXX called back, spoke to XXXX, could not provide another as it XXXX take XXXX XXXX XXXX they advised. 
XXXX to XXXX at Mr. Cooper XXXX what the XXXX is. No update, they escalated to XXXX who was supposed to call us back, no call back. 
XXXX another client escalation would need to be put in to locate federal reference number from bank to locate wire.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2023-08-09
Company: Experian Information Solutions 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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2021-07-30
Company: Bread Financial Holdings, 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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : XXXX XXXX/XXXX  Balance $ XXXX-Date Opened : XX/XX/2015 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
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:
Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX XXXX XXXX {$51.00} 7 ) XXXX XXXX {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX {$550.00} 10 ) XXXX XXXX XXXX   {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX   {$5000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX  XXXX Balance : {$33.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 

1. XXXX XXXX account # XXXX 2. XXXX XXXX account # XXXX 3. XXXX XXXX XXXX Account # XXXX 4 XXXX XXXX Account # XXXX 5. XXXX XXXX XXXX account # XXXX Have violated my right! 

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 2019-07-03
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Target XXXX XXXX added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Target XXXX XXXX reported the following delinquencies to all 3 credit reporting agencies : 30 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also reported 60 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX along with a 90 day delinquency XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my XXXX XXXX and myself conferenced called Target XXXX XXXX. My wife requested Target to revoke my signing authority and I requested them to correct my credit reports. Target said the credit history on my credit file would remain the same. I them asked them to provide me with a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked Target to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am self employed and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing disputes with XXXX, XXXX  and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2023, the other party needed to fulfill a transfer of XXXX to me, she tried to transfer a piece through Zelle first, after I confirmed receipt, she transferred XXXX to me, and then on XX/XX/XXXX and XX/XX/XXXX respectively, I was debited XXXX and XXXX, called the bank and learned that someone had reported me as a fraudulent so the money was debited, and without my knowledge, XXXX XXXX XXXX debited money from XXXX XXXX XXXX XXXX debited my account without my knowledge, no security, no notification and no acknowledgement. After a few days I received a notification letter from the bank in the mail, I called the number on it and it said that this is not handled by this department, transferred to another line, then another ... said that the case was closed and closed and it had to go to court, after a few days I called again, transferred to several lines and then I was told to submit evidence to prove that I was a victim, the email was sent and I got a reply XXXX or XXXX days after that, after the After the past week I hadn't heard anything, called XXXX XXXX XXXX again, transferred several lines again, then finally told that I had received the information I had sent, but the case was closed and could not be opened. I have no way to understand why the fraudulent party can get their money back with a single complaint, without submitting any proof, and then close the case without giving me, the XXXX XXXX, a chance to sue, which is unfair, and I'm going to lose this {$1000.00} for nothing, and because of this, Zelle suspects that I violated the ordinance restricting me from using it, and I'm going to sue it for this indiscriminate conclusion!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I just made a report 2 months ago to transunion again they are playing games stating they do not understand my complaints. 
so they can understand 1. for over 10 years you refuse to give me my credit report you say I need to send in my ID and address info when I have lived at the same address for 4 1/2 years also I have sent my ID to them numerous times plus on here i have put a copy so again playing games with my credit. 
give me my credit report! do you understand that? 
2. 
you are reporting fraudulent medical bills on my credit and have been doing so for years giving me no proof they are mine after being asked numerous times to show me my signature on any paperwork. 
I have full coverage insurance and have had it for over 17 years. 
you refuse to show proof that what you have put on my credit report is mine, but refuse to take it off .Take off this fraudulent medical bills that are not mine or show proof my signature on paperwork. Do you understand that? 
also I want the your legal information, address, phone number, and person responsible so I can start a law suite against your company.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: DE
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:
Please correct my inquires to remove from my credit report. I have had numerous identity theft, data breach and non-verified accounts. Please see attached detailed letter. This is also for incorrect payment history on my student loans. This is just a mess to my entire financial wellbeing.

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized. 
your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any suc document is immediately mailed to my address listed above so that I may review.

it. If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 confidentially under 15 USC 1681. 

accounts : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, violated my rights. 


15 U.S.C 1681 Section 602 AXXXX 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 a 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