BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NC
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-08-12
Company: Avid Acceptance, LLC
State: OH
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 hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - 2 inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
Avid Acceptance 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 2019-09-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My HOA foreclosed on my condo on XX/XX/XXXX and was sold at auction. Wells Fargo was the 1st lien holder. They did not start reporting missed payments until AFTER the auction and were allowing the auction winner to use access and use my mortgage for 18 months and they DISTROYED my credit. My credit went from XXXX to under XXXX AFTER the Auction because they were reporting me missing payment. 
At the Auction, the winners got the title and I believed they were supposed to pay off superior liens but they used mine until they sold the Condo in XX/XX/XXXX. 
I can't live in it, I can't rent it, I can't sell it because I don't have the title to it yet Wells Fargo told me I still have to pay for it and reported it to the credit agencies that I was not paying and now I can't rent a box to put on the street. 
I complained to the credit reporting agencies and Wells Fargo told them that this is perfectly acceptable to let other people use my loan. 
Wells Fargo told me " the owner has a right to protect their asset '' so it it is there asset why am I still responsible for the payment? 
They told them how much to pay to keep them from foreclosing on it and started the late payments all over again. 
I don't understand. I thought the auction winner had to secure funding BEFORE bidding at auction for a property. 
I have NOT hired an attorney because I can not afford one so if they tell you that again please ask them for a signed agreement with this attorney. I DON '' T HAVE ANY MONEY AND NOW NOBODY WILL LEND MY ANY.

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 2022-11-13
Company: Experian Information Solutions Inc.
State: WA
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 XXXXXXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It 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 explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: NOVA Financial & Investment Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am closed on a home XX/XX/2018 in zip code XXXX. I have received the lender 's CD and the title agency 's Settlement Statement. The final " cash to close '' number match between the documents, which is great. 

The problem that I have is, the accounting of the numbers that add up to the " cash to close '' are vastly different between both documents. Which document should I trust? Both companies wanted me to sign the forms to proceed with the closing. 

Honestly, I shouldn't be forced to sign these documents in order to close, if one or more documents are wrong. 

After being more pushy, the title agency provided a correctly itemized settlement statement, the lender told me they were unable to provide a correctly itemized CD. 

What was more odd, the title agency gave me the okay to re-itemize the settlement statement to match the lender 's itemized CD. I refused. 

I am attaching the correctly itemized settlement statement and the lender 's CD. Which do you think is correct?

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 2022-11-13
Company: Experian Information Solutions 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 XXXX XXXX am a natural person and i am submitting this complaint/dispute on my own behalf NOT any third person. I have personally disputed an inaccurate account with the CRA Experian as well as the furnisher of this information twice. On XX/XX/2022 i mailed in a third certified letter to to dispute this incorrect information they are reporting. I recieved a notice from Experian on XX/XX/2022 that account has been verified as accurate. Experian is reporting an account from XXXX XXXX XXXX ( a debt collector ) on behalf of XXXX XXXX XXXX due as of XXXX XXXX in the amount of {$1000.00}. I have a letter from the original company stating that the amount of {$1000.00} was due on XX/XX/2022. How can an account be past due from XXXX if it isnt due until XXXX. I also sent a certified letter to this company to validate this debt with NO RESPONCE. This inaccurate account needs to be DELETED

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 2022-11-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XX/XX/XXXX such authority.

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 2021-08-12
Company: HW Holding, Inc
State: CA
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:
A property manager for an apartment that I did not move into sent the deposit as well as an NSF fee to collection agency. 

I received a notice from the agency on XX/XX/XXXX for collection of the amount. 

I replied to the notice and told them that I did not owe it since I did not move into the apartment. 

I also sent it to the property manager and asked them to explain. They did not reply. 

On XX/XX/XXXX, I received a credit alert that the collection has been posted to my credit report. The only way to quickly resolve it, was to pay it and the collection agency would delete it from my credit report - essentially extortion. Since I am in the process of house shopping, this was my only option. I paid it immediately and the delete was sent to agencies on XX/XX/XXXX. 

Fast forward a few weeks and we are going through the underwriting process for our mortgage and discover that the debt is now on my husband 's credit and has not been deleted. His credit score has taken a huge hit. 

He was never contacted about the debt nor given any opportunity to stop it from going on his credit report, and it has not been deleted like it was off of my report. 

This has led to issues in our mortgage underwriting process and we will likely have to pay a higher interest rate because of it. 

These agencies need to be stopped from ruining people 's lives. It's absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My XXXX 's credit card was paid in full from XXXX to XXXX. i logged into my mobile app early XXXX to do some shopping and noticed that there were 2 charges on my credit card that i did NOT complete/authorize. There was 1 for {$400.00} something and another for {$16.00}. I reviewed the transactions and it said it was being delivered to someone i do not know in Virginia ( I believe that was the state ). These were FRAUD charges. I contacted Comenity to dispute these in XXXX, and i spoke to a representative that stated that he resolved the issue, and that the charges would be removed from my account. He instructed me to update my passwords which i did, and i also removed my credit card number from my mobile app. At this time in XXXX, i assumed everything was taken care of, however that was not the case. The representative took care of the {$400.00} charge, but with the {$16.00} charge, decide to only credit {$11.00}, leaving a {$5.00} balance on my account! Why?? Comenity has been contacting me daily and i have explained multiple times, that this is an error on their part, and that those charges were fraud. They have been harrassing me with multiple calls daily, and when i do answer and talk to a representative they argue with me that it was not fraud and that i need to pay it. They are refusing to help me.They are now charging me late fees and interest, so this balance is now at {$50.00} something dollars. Every time i talk to a representative i don't get anywhere! And there have been multiple times i ask for a supervisor and they " transfer '' me only to then disconnect the call. I need this to get resolved because it is affecting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: MO
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. XXXX XXXX XXXX XXXX XXXX {$770.00} } i even reached out the the data miners at transunion as well after the company, I also havent recieved apiece of mail to state the truth or why it wont remove. Theres no wet signiture on me and its been in collection without replying with the reason why after i stated this doesnt belong to me that it is reporting. PLEASE REMOVE IMMIDEATLY IF THE PROOF IS NOT SENT IN MAIL IN THE NEXT 15 DAYS ITS WELL OVER 120 PLUS DAYS. i WILL SEEK THE MAX PENALTIES NEXT IF MY FCRA CONTINUES TO BE VIOLATED.

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 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX 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 DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. 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 ; XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-01-31
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/2022 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 2021-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2021 all three of my credit score accounts are reporting that I am deceased I am not deceased

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: TN
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:
Equifax is reporting 4 bankruptcies on my report that I have been dismissed a long time ago. I have sent multiple validation letters to them requesting to send me who've they verified these accounts with so I can follow up with any third parties as well. Equifax have failed to send me their method of verification process. I have sent them 8 letters since XXXX of 2021. I've included the letters I have mailed to Equifax.

Company response to consumer: Closed with explanation