BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: EQUIFAX, INC.
State: MO
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:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 16 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1.XXXX, XX/XX/XXXX 2.XXXX XXXX, XX/XX/XXXX 3. XXXX- card service, XX/XX/XXXX 4.XXXX XXXX, XX/XX/XXXX 5.XXXX XXXX XXXX, XX/XX/XXXX 6.XXXX XXXX  XXXX, XX/XX/XXXX 7.XXXX  XXXX, XXXX, XX/XX/XXXX 8.XXXX  XXXX, XX/XX/XXXX 9.XXXX XXXX, XXXX XXXX 10.XXXX XXXX  XXXX, XX/XX/XXXX 11.XXXX , XX/XX/XXXX 12.XXXX XXXX , XX/XX/XXXX 13.XXXX XXXX XXXX, XX/XX/XXXX 14.XXXX  XXXX ga, XX/XX/XXXX 15.XXXX XXXX, XX/XX/XXXX 16.XXXX XXXX XXXX service, XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 inquiry is not authorized and was done by that creditor without permission! You must remove this 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 2023-05-29
Company: TRANSWORLD SYSTEMS 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:
Transworld Systems, a collection agency, is reporting an account to my credit bureaus. They are reporting a Electric Bill that is disputed with the original creditor. Neither the creditor nor the collection agency ever reported this my credit bureau when it was being paid. I received no notice that this was being reported either! They are doing this for one reason, not to report credit history, since they clearly have never done that, they are reporting to extort payment from me. This is not what the credit bureau was designed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: NV
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-03-09
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I was approved for a Citi XXXX XXXX XXXX credit card. After several weeks without receipt of the card, I contacted CITi and was told they would send a letter to verify my identity. After a week and a half, I called again and they stated they would said a new letter which I again never received. I attempted to contact Citi again today, XX/XX/2023 and they insist on sending another letter before I can close the account. I know have a credit line drawn against my social security number and an annual fee being accrued without any access to this credit line which I have no way of closing.

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 2021-03-30
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Maximus Education, LLC dba Aidvantage
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have student loans. When I was not able to make the payments, the servicer told me t go into forbearance. I told them I was on the Public Service Loan Forgiveness plan. I was assured that being in forbearance would not interfere with loan forgiveness. 
I submitted my PSLF in XX/XX/2023. They say I do not qualify as I was in forbearance, I would not have chosen forbearance had I known this. The loan servicer agents gave faulty information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2020-06-12
Company: Kashia Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a loan of {$500.00} XX/XX/2020. My agreement shows the payment dates extended into next year equaling to {$3300.00}. I have had about four payments taken out my account equaling to {$530.00}. 

XX/XX/XXXX {$85.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} I emailed customer support to see what my remaning balance is based off the payments already taken out and the response was this : " Thank you for your email of XX/XX/2020 in which you inquired about the current payoff amount due in order to settle your loan with BetterDay Loans completely. Upon checking here, you are following our Default or Scheduled Payment Option. And you are paying your loan in a number of installments equal to your payroll frequency over a years time. This option is reflected in the Payment Schedule section of your loan agreement. While this option may be more expensive, it offers the benefit of a fixed schedule. A small portion goes to your Principal and the rest to your finance fee. This is not mandatory to follow. You can pay off your loan anytime. 

The amount required to pay off your loan in full as today is {$490.00} finance fee not included. PLEASE NOTE, however, that this payoff amount is only valid for today from the time of this email. 

Please remember, you can also make a partial prepayment by paying {$20.00} or more, in addition to any scheduled payment by contacting BetterDay Loans three days prior to a scheduled payment. The additional amount that you pay will reduce your principal balance due and thus reduce the number of payments remaining ( but not the amount of each payment ). 

We also remind you that BetterDay Loans never charges any prepayment penalties on partial or complete early repayments and repaying your loan early can greatly reduce the costs associated with this form of borrowing. As such, prompt repayment of your loan will reduce the costs associated with borrowing and is recommended. '' I asked them where is the {$530.00} going if its not going towards my balance. I shouldnt have to keep paying if the payment is already at my loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have been a victim of identity theft with XXXX  XXXX. I went to go check my consumer report and saw there was a late payment with an account thats on my credit profile that doesn't belong to me. That account is with XXXX  XXXX as a credit card titled XXXX XXXX REWARDS FROM XXXX  XXXX with a balance of {$4800.00}. This card does not belong to me and is fraudulent. I submitted my FTC REPORT on XX/XX/2023 and sent out to TRANSUNION, XXXX AND XXXX ON THE SAME DAY, it is XX/XX/XXXX today and I have yet to hear back from TRANSUNION, XXXX AND XXXX. This fraudulent account is causing me financial injury as I try to keep up with my consumer report and I have been denied getting a home 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 2021-06-01
Company: CL Holdings LLC
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:
Jefferson Capital Systems LLC is reporting a delinquent collection account to the major credit bureaus that does not belong to me and is reporting incorrectly as if it does. I've attempted to resolve this by disputing this entry with the major credit bureaus, as well as contacting the company asking for validation of this alleged debt. I have yet to receive any form of validation of this alleged debt. XXXX Mailed XX/XX/21 ) According to the FCRA, Jefferson Capital Systems LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately. I have attached the multiple notices that they've sent me as well as the validation letters that I've sent them. This is hurting my credit and I need it removed immediately as it is not my account or debt. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive recently been a victim of identity theft. I disputed the fraudulent accounts with all three credit agencies in which they were all removed. A week later Experian placed one of the fraudulent XXXX XXXX accounts back on my credit report. XXXX I filed a complaint and a week later it was removed again, but they have added another XXXX XXXX fraudulent account back on. I just spoke to a representative from the fraud department in which he stated I am unable to dispute the account again after it was already removed because XXXX XXXX placed it back. He was able to pull up my police report and my FTC report and still stated he couldnt do anything about it. The account stays. I asked him for his name he said It was XXXX and thats all he has to give. He stated Experian doesnt require they give us that information but if I want to know who he is, he is XXXX from the XXXX XXXX at work. Not sure what that means.

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 2023-07-24
Company: Experian Information Solutions 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:
The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For company to do what fair equitable to me by consumer by deleting the items identified as identified theft from my consumer reports

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 2023-05-29
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern : Attached is the original QWR letter I sent Specialized Loan Servicing on XX/XX/XXXX, in regard to compliance with HUD XXXX. According to the law XXXX SLS had XXXX  days to send a letter of acknowledgement, of which they never sent. In addition, by law they also had 30 days to respond to the QWR letter they received on XX/XX/XXXX. 

I even called SLS on XX/XX/XXXX at XXXX to follow up because they never sent an acknowledgment letter or the 30-day response letter to the QWR received on XX/XX/XXXX. Even until this day XX/XX/XXXX I still have not received this legal response letter or phone call to my number listed on the account. 

A follow-up complaint will be filed detailing other Complaints filed with multiple Federal and State Government agencies that this letter was sent to along with evidence of illegal retaliation, and the violation of multiple laws including RESPA 12 U.S.C 2601, Regulation X, 12 C.F.R part 1024 and the CFPA. 

Again, as I stated before the official legal Address for communication channels is XXXX XXXX XXXX, # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and no other address should be used for communication. This applies to XXXX XXXX XXXX XXXX XXXX XXXXSpecialized Loan Servicing . 

XXXX Case Number XXXX filed by XXXX XXXX XXXX shall be vacated ( set aside/canceled ) or done away with as this was illegally filed.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
TransUnion has obtained inaccurate information from a third party vendor called XXXX. XXXX realized their mistake and deleted this information. I have sent TransUnion a certified letter asking them to remove this inaccurate information/ dismissed Bankruptcy because it longer exist. Bankruptcy 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 2021-06-01
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Husband passed 2019 I have spoke with PHH a lot of times to give me a mortgage modification to bring my mortgage current since his death. My name is on the deed of the property. They have gave me bad information and the run around.

I don't want to lose my house to foreclosure. I had a XXXX this was from complications of the XXXX I was affected by XXXX. I want to pay my mortgage but no one is willing to help me with the mortgage company. I have sent them my financial information and requested forbearances a lot of times. They turn me down each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation