BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently submitted a complaint through the CFBP portal outlining the fact that Experian has illegally placed an entry onto my credit file. Instead of deleting the credit entry, Experian ignored the complaint and closed their response through the CFPB portal without resolving the issue. Experian continues to place an old, unverified Aleged debt from 2003 that stems from a closed XXXX XXXX XXXX XXXX XXXX The case was based on fraud and got dismissed by an XXXX XXXX XXXX XXXX XXXX. Without any certified evidence, proof or documentation from a Judicial officer, Experian arbitrarily creates a credit entry as a negative item onto my credit file. I've never authorized Experian, nor the furnisher permissible use and access to my personal credit file. In addition, reporting a child support case on my credit report is unlawful. The law states thats only credit transactions have the lawful means to be reported onto a credit profile. XXXX XXXX is not a bank or any other financial institution. An alleged Child support debt ambiguous, and is not a credit transaction. 

In addition, this credit reporting agency does not conduct any research or investigation into my CFPB complaints whatsoever. They have found a way to navigate around the CFPB complaint process using stall tactics ; they use the 15-60 day complaint resolution window to do nothing but act as if they are researching and fixing their mistakes. This is the XXXX time I sent a complaint through this process and this reporting agency does nothing to resolved the issue that they created. Experian purposefully and maliciously sabotaged my credit report then strays away from accountability. The CFPB needs to file suit against this agency for breaking credit reporting laws, and failing to correct their mistakes.

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 2023-10-27
Company: EQUIFAX, INC.
State: MO
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 is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific information in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to the fraud or extortion. XXXX request of you to remove the following items : XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX  Inquired on XX/XX/2022. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to a stolen identity. If you can not prove that the disputed items are accurate and belonghs to me, immediately remove the disputed items from my Credit File 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 non-monetary relief
Consumer complaint received 2022-12-29
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: 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 non-monetary relief
Consumer complaint received 2015-04-23
Company: National Asset Advisors, LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We fell behind on our mortgage after my husband could n't work due to XXXX. The company had worked with us before and took a partial payment of about {$3500.00} sometime in late XXXX and refused to accept a partial payment this time. In XXXX XXXX we paid our mortgage company, National Asset Advisors , LLC {$8800.00} needed to keep our home. Our balance was listed as {$0.00} Not even a month later we receive a bill saying we were delinquent {$390.00} and owed {$790.00}. At this point I discovered that my husband had asked to have our payments placed on bi-weekly schedule. This was the cause of so many late pay fees. I asked to have the payments placed back on a monthly schedule so that if late we would only pay XXXX late fee as opposed to XXXX. I was told this could n't be done. I explained that we would always be late because my payroll schedule is once a month and the amount dependent upon my quota. The company still refused to change the payment schedule and continues to tack on late fees. 
In XXXX we received a bill saying we owed the company over {$3000.00} for mortgage payment, late fees and attorney fees. I disagree with this. We had a {$0.00} balance in now we are at {$3000.00} delinquent?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company did not pay my insurance through my escrow account, while caused a cancellation. I am not required to purchase new insurance to remove the lender placed policy. No insurance company will insure me due to the lapse in coverage, and the one I did find will insure me a three times the rate I originally had. 

My mortgage company received four letters requesting payment from my insurance company. A renewal letter was sent on XX/XX/XXXX, a reminder was sent on XX/XX/XXXX, a pre-cancellation notice was sent on XX/XX/XXXX and the policy was not paid so an official cancellation notice was mailed. 

I never received any letters from my mortgage company to let me know they had not issued payment for insurance. The agents have all confirmed they can not locate any notification that was ever sent to me. I had no idea I was uninsured until XX/XX/XXXX when they purchased lender placed insurance on my home. From XX/XX/XXXX through XX/XX/XXXX I have not had insurance on my property and the mortgage company has never reached out or notified me of this ongoing issue. Now they are unwilling to provide me with my investor information as I would like to speak to them on the " servicing '' they are providing my loan. 

The agent let me know it is not their responsibility to " monitor the account all day and night to make sure you are handling your mortgage needs. '' This has now caused me months of calls, research, XXXX, and now a policy of minimum coverage at three times the rate. This will cause my mortgage payment to increase, and I am already having a hard time with making the payments. They tell me this is not their problem. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove ll names addresses and phone numbers that are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: MS
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:
i notice some items on my credit report that wasn't mine and i filed an identity theft report on XXXX XXXX and sent it certified mail to all 3 CRA 's, they received it on XXXX XXXX and the information was supposed to be blocked and deleted within 4 business days of the receipt.It is XXXX XXXX and nothing has happen as of yet. they have violated 15 usc 1681c-2 and i request the information from all 3 CRA 's be deleted at once before i turn this matter over to my attorney to sue.

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 2023-06-29
Company: EQUIFAX, INC.
State: LA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Once payback of the loan started we attempted to pay more than the required amount. We asked that the extra amout be applied to principal and were told that was not possible but instead needed to first be put towards the interest and any amount remaining would then be put to the principal. The loan amount originally was greater than 40,000 . I am certain if the extra payments had gone to principal we would have paid significantly less interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Comenity bank took over for the XXXX on an XXXX XXXX card. They made an error in billing. I have called them several times and written multiple times. They do not get back to me. Instead, they bill me interest and late fees. I can prove that I am right, but I can't reach a person at Comenity who would have the authority to change/correct the statements that I receive. I have cancelled my credit card, but the dispute continues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit score negatively impacted when a consumer voluntarily closes a credit card account.

A few years ago I needed to build my credit and only qualified for some less-than-desirable cards with high annual fees or monthly fees. I have since rebuilt my credit and have maintained a {$0.00} balance for the past 2-3 years, but am still being charged high fees. I have not closed these accounts because I have been told this will severely impact my credit score.

I am asking this to be changed.

I would like to keep open the low- to no-fee cards I have now qualified for, but close the high-fee ones without hurting my credit score.

Can this be done?

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 2018-12-13
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NV
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:
I am writing to bring to your attention a persistent issue concerning an account that is inaccurately appearing on my credit report. The account in question is associated with XXXX. I want to emphasize that this account does not belong to me, and despite my repeated attempts to dispute the information, it continues to be reported on my credit profile. 

I have diligently followed the dispute procedures with your agency, providing detailed information to support my claim. However, despite these efforts, the inaccurate account has not been rectified. I am concerned about the impact this misinformation may have on my creditworthiness and financial standing. 

I kindly request your immediate attention to this matter. Please conduct a thorough investigation into the reported account and take the necessary steps to correct or remove it from my credit report. I am more than willing to provide any additional documentation or information required to support the resolution of this dispute. 

Thank you for your prompt assistance in rectifying this issue and ensuring the accuracy of my credit report. I look forward to a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.

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 2023-05-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting and disclosure to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately and completely, I WILL FILE FOR LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. I can't stand by and let my credit be destroyed. Please help! I have attached the FTC report as well as a notarized letter that certifies that I am in fact the one disputing the information on my credit report. The accounts and inquiries listed on the FTC report are fraudulent. Please remove them within 4 business days as per section 605 b of the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions 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:
I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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