BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
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:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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:
these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX my Jobs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: 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 : TBOM/ASPIRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX 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 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-30
Company: ALLY FINANCIAL INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was a predatory loan from the start I paid for years high interest on this loan car was stolen insurance company paid just at XXXX XXXXXXXX for this auto not to mention I paid monthly payments for 2 years or more I explained to them that covaid pandemic hit job closed I was home to home and couldnt make payment they for far more than market value for this auto loan but yet made harrasings calls for months.showing their greed they could have easily forgiven the balance owed at the time XXXX  XXXX or so difference once insurance company paid them lump sum.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've reached out to the bureaus on these unverified accounts before and still TransUnion and XXXX are reporting the following incorrectly : XXXX  : Account number : XXXX, This is an unverified account that has been disputed before. Each bureau is showing a different Date last active. Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX ; whereas there is no reporting from XXXX. There are also inaccuracies with the Date Opened, High Credit Amount, Date of Last Payment, and lack of 2-year payment history. I see this account is still not remove. 

XXXXXXXX XXXX : Account number : XXXX, There is no reporting for this unverified account from other bureaus. This unverified account has also been disputed before.

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 2022-04-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National credit systems inc at XXXX naturally XXXX XXXX XXXX Ga XXXX has been sending me collection notices in the amount of XXXX dollars XXXX cents the collection has been reported to all credit bureau as past do balance. I do not know this company. I have never done business this company. This company does not have a contract with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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:
On XX/XX/XXXX I received an response from Equifax about a prior CPFB complaint. And their response did not solve any issues I am having on my credit report. Their response stated that I have not applied for credit, I have not used my credit in the last 10 years or I haven't been issued a Social Security card.This is another stall tactic that equifax is using to not remove the inaccurate information on my credit report. The incorrect items on my credit report is an account from XXXX XXXX XXXX in which they stated was verified but never sent anything to me stating what they used to verify it was accurate. Also an account name XXXX Bank that i have disputed several times. They also have incorrect addresses on my account. Equifax still haven't sent anything to me anything verifying these accounts. Also how come their response to my previous CFPB complaint they stated they cant find a report on me or because I haven't used my credit in the last 10 years, but can state these accounts were verified on my credit report with them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NC
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:
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX XXXX from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX I on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

ALL OF THESE INQUIRIES REPORTING IN MY ACCOUNT ARE NOT FAMILIAR WITH ME AND AND SOME OF THEM ARE REPORTING REPEATEDLY IN EACH CREDIT BUREAU. I COULDN'T APPLY FOR ANY LOANS BECAUSE OF THESE INQUIRIES THAT SOULD NOT BE THERE AND IT'S STRESSING ME OUT

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 2022-05-20
Company: NORTHWEST BANCSHARES INC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I, XXXX XXXX, ( debtor ) XXXX  that Northwest Bank XXXX Northwest XXXX Bank ( creditor ) has omitted certain payments, created escrow accounts without debtor 's consent or knowledge to overestimate and falsify value of the original debt. XXXX XXXX  that the creditor with malicious intent attempted to defraud debtor by serving Confession of Judgment or a Cognovit Note upon debtor who is not a commercial consumerof real estate or property. 
Bankruptcy Case Chapter XXXX case number XXXX to Judge XXXX XXXX XXXX XXXX attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX avers, that her legal counsel failed to confer with her the alleged summary of debt as submitted and as stated in the Claim Detail entered into evidence by Northwest XXXX XXXX that the Claim Detail has several omitted cash payments and avers that Northwest attached additional altered fees and condition of terms adversely to the original debt documented.Debtor avers that Creditor failed to provide any adequate and verifiable documents of TILA disclosure as requested by debtor XX/XX/XXXX, XXXX XXXX  verbiage " Escrow '' has been omitted from filedpayment history for claim yet appears on statements of debt mailed to debtor prior to this actionThe fraudulent escrow account started possibly as far back as XXXX but as I was unaware, I can not be certain and would have to rely on a forensic audit of the original debt as requested on XX/XX/XXXX which the creditor Northwest Bank has failed to provide.Debtor gained knowledge of the creditors falsified and altered claim when speaking to local branch employee located XXXX XXXX XXXX, XXXX Pennsylvania XXXX and XXXX XXXX as the " XXXX XXXX Branch '' Debtor spoke to a young man calling himself " XXXX '' XXXX explained to debtor on the date of XX/XX/XXXX via phone conversation that an error had been discovered on my loan # XXXX in the form of a mysterious and unexplained attached escrow account of which the corporate office was said to be now working on resolving the issues of fees and penalties resulting in the attachment of the escrow account.The dollar value of the concealed escrow account is unclear at this point and I would need additional time to retrieve bank statements from XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX validate my payments to Northwest Bank in single payments on {$1000.00} or more on more than one occasion.received in cash and by debit card from XXXX XXXX  Attached is Also a receipt of deposit dated XX/XX/XXXX in the amount of {$600.00} cash at XXXX XXXX  placed at the XXXX XXXX branch yet is not reflected in the claim of payment history. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2020-02-10
Company: Experian Information Solutions Inc.
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:
On XX/XX/2017 I applied for a credit card at XXXX  XXXX XXXX. After that, I received a letter which they denied my application because of you reported a wrong information about my credit score. First at all, Im XXXX, I havent live at the US and I dont even have a social security. I dont have any credit products At the US like you can provided a credit score of me, so you must not be able to provide any real credit report  about me. Besides, you provided information that I declared an account as bankruptcy and thats not true. Im not in bankruptcy, I have my own 2 companies in XXXX, my apartment, my cars, and my savings inXXXX  and in the US. I tried to ask my credit report and it was impossible because the sistem didnt recognize my information, so I called to your call center and I was attending by XXXX, he tried to find my credit report without social security, using my ID ( passport ) and he couldnt find it. He recommended me that send emails to www.experian.com/upload and support my explanation with documents. I did this process 3 times and I didn't receive any answer from experian. So, I complained about this situation in XXXX and I didn't receive any answer either. For that reason I need help from you, because I need an answer. It made me some uncomfortable situations. I don't have any bad credit report in my country in any place so I need help to solve that as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
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: Information belongs to someone else

Complaint:
There are credit applications that were submitted in my name using my personal information that is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX 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 non-monetary relief
Consumer complaint received 2023-05-15
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. 


Account name : XXXX Account Number:XXXX  Account name : DEPT OF EDUCATION/XXXX Account Number:XXXX Account name : XXXX XXXX XXXX XXXX Account Number:XXXX Account name : XXXX  XXXX Bankruptcy Account Number:XXXX has violated my rights. Or list of inquiries 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 2022-05-20
Company: Experian Information Solutions 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 the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, Account name XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX loan servicing never sent my refund check in the alotted timeframe the law provides. I have called multiple times over and over and over. I was promised that the payment would be overnighted. It never was. I called back and they gave me a random number, they called a tracking number. XXXX It was not a tracking number. XXXX could not find who the check was sent through. She said maybe USPS, XXXX  or XXXX. I searched the tracking number on each service and none of them came up. She then told me she doesn't know if it is an I or an L. She made up a random number for a tracking number and the check was never overnighted or sent out. This happened before where they told me and promised me that it would be overnighted. It came over a week later in the regular mail. This is alot of money. This was my food money for the month. I have had to go to the food bank, who only was able to give me enough food for my daughter. I have not been eating all month because of XXXX XXXX refusing to send my refund. I have lost over XXXX pounds because of this. I am starving! I want to pay my bills! I want to be able to buy my daughter new diapers instead of washing non reusable diapers and reusing them. This is unaaceptable from XXXX, well it's obviously acceptable to XXXX, but not acceptable by my terms. They just transferred me to somoeone in XXXX who barely spoke english and had no clue what was going on. 
Got another tracking number after that XXXX, which reflects the check was sent 3 day and not overnight. It says it was delivered. It was not. The rep would only tell me to wait for it. Wait for the check that was delivered to the wrong address? So someone else can cash it? 
This company is unbelievable. 
I'm currently on the line begging for a new check to be sent out since it shows it was delivered to the wrong address. The guy keeps telling to wait for it to be delivered. He is in the offshore callcenter and has no clue what I am saying. He just keeps repeating the same scripts. Scripts having absolutely nothing to do with what I am saying. 

Also I can only call in to supervisor lines, when I call customer service the phone tree says my loan is paid off and refuses to let me speak to someone. 

I tried logging into the website and its making me 2 factor verify, but its not sending me the verification code. So I cant call the call center, I cant access online. How do I do anything except submit a complaint through CFPB. CFPB is the only way that I can get someone at XXXX to even acknowledge me.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