BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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 recently check my credit report and was surprised by multiple account and information that doesn't belong to me. I never applied to these companies or gave them my information. I don't know how this fraudulent information got 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: NV
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:
Sent 2 rounds of my FTC report and the accounts still there and have not been fully validated.

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 2017-07-15
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making additional principal payments on my conventional ARM mortgage that was sold to SLS last year. Previously, all of my additional payments have been correctly applied to the principal balance with no issues. This month, I made my regular monthly payment on  XX/XX/XXXX , which was correctly applied to my monthly payment due  XX/XX/XXXX . I then made an additional payment on  XX/XX/XXXX  and instead of applying this to the principal amount, SLS applied it to my  XXXX  payment ( i.e. : the payment not due until  XX/XX/XXXX  ) and pushed my due date out to  XX/XX/XXXX . Coincidentally, my ARM interest rate adjusts as of XX/XX/XXXX . I can only assume SLS has intentionally made this 'mistake ' in order to collect more interest on my loan. I called on  XX/XX/XXXX and explained the situation to the rep, who put me on hold for an inordinately long time 'researching ' the issue. He finally came back on the line and assured me that the problem would be resolved within 2 days. I confirmed with him that meant that it would be resolved as of Friday ( i.e. :  XX/XX/XXXX ) and he indicated that was correct. As of today,  XX/XX/XXXX , the issue is not resolved.

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Agencies used my ss # and other information for fraudulent purposes. Per 15 USC 1681 agencies listed inaccurate information on my credit report. Agencies willfully failed to delete my disputed information damaging my credit score. Said information is not valid proof for a reasonable determination complying with FCRA. Because of that fact, I DO NOT BELIEVE AGENCIES PERFORMED ACCURATE INVESTIGATIONS. Mismatched data supplied to ALL THREE credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and negligent FCRA violation. Alleged debts herein were written off 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies.

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 2022-04-30
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The moment I disputed a billing error in XX/XX/2021, Discover not only furnished non payment to the credit agencies, which is a violation of 15 USC 1692c, but they also closed my account which is violation of 12 CFR 1026.13 ( d ) in XX/XX/2021. 

They didn't give notice until after the adverse action was done, which is violation of 12 CFR 1026.9 ( c ) ( 2 ) ( i ) and did not reflect my rejection on my account which is a violation of 12 CFR1026.9 ( h ) ( 1 ) AND 12 CFR 1026.9 ( h ) ( 2 ) ( i ). 

I informed Discover that they were willfully and negligently violating 15 USC 1637 open-end credit and that I DEMAND they reopen my account as the beneficiary of such account. 

They still did not comply. 

This account was created from a consumer credit transaction and therefore, I DEMAND my dividends for such an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Information belongs to my XXXX brother I have disputed the accounts multiple times and just keep get factual data

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 2023-03-03
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: Reporting company used your report improperly

Complaint:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX AFFIRM- XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 explanation
Consumer complaint received 2023-08-02
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: Was not notified of investigation status or results

Complaint:
This Account is Violating FCRA 15usc1681a ( 2 ) ( a ) ( i ) Transactions and Experience Exclusion. I have called them several times often time speaking to senior account manager no resolution Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 2023-03-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2017-07-15
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 've contacted   XXXX   XXXX   XXXX   for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of   XXXX   XXXX   XXXX   and TransUnion have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was reported to the credit agency without my consent.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My mortgage was purchased by XXXX XXXXXXXX at the end of XXXX. In XX/XX/XXXX I was informed that I was late on my mortgage payments, I had automated payments set up and didn't understand how this could be. I spoke with XXXX XXXX to understand the issue, and they let me know that my payment had increased in the short time I had been with them. I informed XXXX XXXXl that I was not made aware of this change and would have adjusted my payments if I had. XXXX said that I would be able to see this from my portal. I let XXXX XXXX know that I never could get access into the portal and XXXX XXXX said that this is an issue others were having in my situation, XXXX XXXX XXXX 's customers that were now XXXX XXXX customers. We eventually got portal access and then attempted to get setup with automated recurring payments through XXXX XXXX now to avoid issues with payments increasing in the future. In XX/XX/XXXX I reached out to XXXX XXXX to get the credit deletion letter since my credit has been effected by XXXX XXXX  errors. I also reached out directly to Trans Union to file a dispute to repair my credit. XXXX XXXX denied my dispute. I have since setup recurring payments multiple times in the last several months, however it wouldn't stick even though I have emails confirming the recurring payments had been set. I have more late fees because of the recurring payments failing and have had multiple calls with XXXX XXXX to get this late fee wave that is causing me to show delinquency in my payments continuing, which continues to affect my credit negatively. I have had at least 2-3 calls on average to XXXX XXXX each month this year. I have spoken to XXXX XXXX supervisors ( XXXX, XXXX, and XXXX ) requiring that I get a call/voicemail within a week of our conversations to confirm that payment is received, I have never gotten a call/voicemail back. After talking with each XXXX XXXX Supervisor I never hear back from the same person again. I had my most recent call on XX/XX/XXXX and demanded that I speak with a XXXX XXXX employee that is above the Supervisors I have spoken with, XXXX is the XXXX that was not available to take my call and would call me back within XXXX hours of the XXXX PST call. I need all late charges waves, the recurring payments through XXXX XXXX to stick, and for my credit to be repaired. This has frozen my HELOC with XXXX Fed and caused me to spend hours during work hours. The current issue with XXXX XXXX is task # 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 2023-03-07
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: Personal information incorrect

Complaint:
I have contacted all three credit bureaus before regarding my employers on my credit report. I do not give my permission ever to add any employer to my credit report. It cause harassment and telemarketing calls. Which neither should be able to access that information to begin with.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I believe my auto XXXX  has been mismanaged and payments applied incorrectly resulting in higher interest payments and delay in paying off the loan.

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 2023-03-03
Company: EQUIFAX, 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:
This XXXX XXXX  account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report , and has been well over 4 days since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine {$3300.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} FCRA Violation : other loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : collection not mine XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 faire credit reporting act this creditor ( XXXX XXXX ), has violated my rights. Under 15 USC 1681 sec 602 states I have a right to privacy. 15 USC 1681 sec 604 A sec 2 also states a consumer reporting agency can not furnish an account without my instructions. Under 15 USC 1666B, a creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. I this occurred while I was away for military assignment back in XXXX. I provided my orders to the creditor but nothing was done about it.

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 2017-07-15
Company: Experian Information Solutions 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:
I called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
<P/>
The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA   XXXX    XXXX / XXXX /17   XXXX   XXXX  .  XXXX  , NJ   XXXX   which is also showing twice within 30 days.  XX/XX/XXXX  and  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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2017-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EXPERIAN IS THE REPORTING BUREAU FOR THE US DEPT OF EDUCATION, THE FURNISHER OF ACCOUNT INFORMATION, XXXX ACCOUNT XXXX ... XXXX 
15 U.S.C. SECTION 1681 s-2 explains the furnishers, the credit bureaus, requirement for completeness and accuracy of credit information.If that completeness and accuracy can not be accomplished the bureau is required to delete reporting anything within 30 days. 
If this does not transpire then the person reported on may collect {$1000.00} per incident from the at fault bureau and furnisher. 
NO LESS THAN THE NEW PRESIDENT OF THE UNITED STATES HAS STATED HIS INCLINATION TO ABOLISH THE FURNISHER, ABOLISH THE ENTIRE DEPT OF EDUCATION FOR POOR PERFORMANCE OF THEIR DUTIES TO THE AMERICAN PEOPLE AND TO REPLACE THEM WITH PRIVATE ENTERPRISE. 
THE PRESIDENT HAS A PROGRAM IN PLACE FOR LOAN FORGIVENESS AND MONTHLY PAYMENT CAPS BASED ON ABILITY TO PAY. 
F.OR MUCH OF THE TIME OF MY LOAN I WOULD HAVE QUALIFIED FOR A MUCH LOWER PAYMENT AND NOT HAVE RECEIVED THE CREDIT DINGS BECAUSE OF THIS ... ... .YET MY LOAN IS PAID AND CURRENT UNLIKE 40 PER CENT OF THE EXISTENT LOANS. 
*********MY PAYMENT HISTORY IS MISSING XXXX ( WHEN YOU HAVE A XXXX reported in monthly billing YOU MUST HAVE A PRECEDING XXXX SO ON ... THIS IS INCOMPLETE, INACCURATE REPORTING. ( fcra specific violation ) ***************************************************************************** IT IS IMPORTANT TO SHOW EACH AND EVERY XXXX BECAUSE I PLAN TO FORWARD THIS COMPLAINT AND YOUR RESPONSE TO THIS COMPLAINT TO PRESIDENT TRUMP SO HE CAN BE SURE TO REMOVE YOUR POINTLESS ABILITY TO REPORT LOANS THAT ARE PAID IN FULL BEFORE HE REMOVES YOUR ENTIRE DEPT OF EDUCATION FROM EMPLOYMENT. 
YOUR POINTLESS REPORTING IS DAMAGING TO ME AND SERVES NO PURPOSE WHATSOEVER NOW THAT THE LOAN IS PAID IN FULL ... ... EVEN THOUGH IT WOULD HAVE QUALIFIED FOR PARTIAL FORGIVENESS ... ... .... 
SHOWING MY ACCURATE PAYMENT HISTORY, '' WHICH YOU DO NOT '', WILL ENABLE ME TO SHOW THE PRESIDENT 'S OFFICE HOW, EVEN THOUGH I COULD N'T AFFORD ACCORDING TO TRUMPS RULES, I REPAID MY LOAN. 
you have " no skin in the game '' concerning my loan to report negatively on me and this in the light of my circumstance appears to be contrary to our new Presidents wishes, so do your best to correct or delete 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