BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed disputes on various incorrect accounts on my credit through Experian yet they continue to show incorrect information that is negatively affecting my credit. 


1 ) I have a {$380000.00} loan through XXXX XXXX XXXX with the account number XXXX. This account has never been late and it is also completely paid off in full. Experian is claiming that I have been late on the account which is false as it is on autopay and the balance of {$380000.00} was paid in full already. This account has no balance and I own my home outright and I WAS NEVER LATE on ANY PAYMENTS on this account. If Experian is incorrect about me even having this loan, how can they be trusted to reflect whether or not I was on-time or behind on payments? 

I demand they remove all late payments in regards to this account and show this account as fully paid off. 

2 ) I have a secured loan through XXXXXXXX XXXX and XXXX with the account number XXXX that is showing as paid, close and {$32000.00} written off. I have no knowledge of this account as the only account with XXXX I have is a mortage on an apartment complex. I have asked Experian and XXXX to provide me with written documentation showing this account and that was never provided to me. 

I demand Experian to remove this account off my credit profile entirely. 


3 ) I also have numerous false inquiries on my credit. I am currently out of the country and these inquires are not mine and I demand they be removed off my credit. 

XXXX XXXX XXXX which was inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX which was inquired on XX/XX/XXXX XXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX  which was inquired on XX/XX/XXXXXXXX XXXX XXXX which was inquired on XX/XX/XXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXl which was inquired on XX/XX/XXXXXXXX XXXX XXXX  which was inquired on XX/XX/XXXX XXXX XXXX XXXX  which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX  which was incquired on XXXX  Experian Business Credit which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXX XXXX XXXX XXXX which was inquired oXXXX XXXX XXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXXXXXX XXXXXXXX which was inquired on XX/XX/XXXX All of the above are not known to my knowledge and I demand they be removed. 


The only valid inquiry on my credit should be : XXXXXXXX XXXX XXXX  which was inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian credit reporting is putting in accurate information on my credit report, I received new information on my credit report and it is filled with inaccurate information that does not belong to me, please remove this false information.

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 2023-02-10
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM XXXX AND EQUIFAX. XXXX HAS BEEN REMOVED AS FRAUD. SENT THE COMPANY IDENTITY THEFT REPORT, POLICE REPORT, AND PROOF OF RESIDENCY, AND STILL WILL NOT REMOVE IT. PLEASE ASSIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 want you to remove the following accounts as these are violating the FCRA 605B of the U.S. Code 1681C-2

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 2023-08-24
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: OH
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: NV
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. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..Please remove XXXX XXXX   XXXX  XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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: Investigation took more than 30 days

Complaint:
Equifax have not provided any evidence showing that you have conducted a full independent investigation on the fraudulent charges as required by the Fairs Credit Act when official police report ( s ) by law enforcement has been provided to you. 

According to the XXXX  case of Cushman vs Transunion, the court has ruled that a full independent investigation needs to be done and provided to the consumer if the consumer disputes the accuracy of their credit report.

Equifax CAN NOT SIMPLY say " EXUIFAX VERIFIED THAT THIS ITEM BELOGS TO YOU '' without conducting their own INDEPENDENT INVESTIGATION as stated in the Fairs Credit act and proved by court in the XXXX  case of Cushman vs Transunion. EQUIFAX HAVE NOT PROVIDED ANY EVIDENCE NOR DOCUMENTS THAT SHOWS HOW THEY CLAIM TO HAVE VERIFIED THESE ACCOUNTS. 
These credit bureaus are lying and violating these rights under The Fairs Credit Act. They are NOT conducting a full INDEPENDENT INVESTIGATION and has not provided not one single evidence or proof about how they " VERIFIED '' these accounts. Without evidence or proof, these accounts are considered " UNVERIFIABLE '' and according to the Fairs Credit Act they must removed them IMMEDIETALY from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Veros Credit, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Dear Veros Credit, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( Veros Credit ) are " requiring '' a cash down payment. I am demanding that Veros Credit provide verification of XXXX XXXX, XXXX, statements that Veros Credit are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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'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 non-monetary relief
Consumer complaint received 2023-01-24
Company: Diverse Funding Associates LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently was contacted by XXXX XXXX XXXX and they stated that there was a debt from 2017 that was owed from XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and they said that a lot of the information on the credit file like drivers license the address, the phone numbers the emails did not match up correctly to my actual information. They believe that the debt was fraudulent. They instructed DNF associates to have XXXX buy back the debt and then they could cancel the debt based on fraud. I have filed a report against XXXX XXXX XXXX and they have recently stated that they have given the debt back to DNF associates. I am trying to have this resolved appropriately and removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: 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. 

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 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 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 2023-01-30
Company: HEARTLAND PAYMENT SYSTEMS INC
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
FTC My family business was using TSYS to process credit card transactions but switched to a different provider about two years ago. Unbeknownst to us, TSYS continued to withdraw fees from our bank account every month. We called them on XX/XX/2022 after receiving emails about being out of compliance. This was strange to us since we were not aware at that point that we still had an open account. On that phone call, we thought we had closed our account and therefore would stop being charged. However, upon reviewing our XXXX bank statement, we discovered they had charged {$750.00} that month and {$410.00} in XXXX, after we officially closed the account. When we called TSYS again today, they revealed that there were two other accounts under our business name and that the first one still wasnt closed either. We were not aware at any time that there were multiple accounts nor that we could be charged such outrageous fees without ever using their service or even being aware of the accounts existence. TSYS refused to issue any refund or even close the additional two accounts retroactively, making a number of excuses as to why they couldnt do so. It should have been obvious when we called the first time that any accounts under our name should be closed, especially since there had been no activity for many months and we were adamant about not being charged any more. At the very least their representative should have identified any other open accounts under our business name so we could address them all at the same time. Now they want to charge us again in a few days, claiming the charges are for XXXX and since we didnt cancel before XXXX we owe them fees for noncompliance. This is nothing but a predatory shakedown by a big bank that has cost us {$16000.00} over two years, for nothing! They have provided no service. They simply claim they can grab money from our bank account for being out of compliance on accounts we either thought were already closed or didnt know existed. How many other small businesses are they ripping off? This warrants a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with Caliber Home Loan since last XXXX, received a preapproval by XXXX. She was a great person who provided a lot of information. She kept me updated on status and kept me in informed of things that may arise. I decided to go with a new build which happens to have Caliber as their preferred lender. My open file would then transition over to XXXX ( loan consultant for new build ) on XX/XX/XXXX. XXXX and I spoke briefly, indicated that parents will be gifting a large down payment. I feel as if XXXX did not do anything to recheck my file, nor did he communicate the urgency for specific documents ( if it was needed ). I did not get a red flag from the Loan Consultant, nor the Sales Agent ( who accepted my pre approval letter ). On XX/XX/XXXX the Sales manager cancels my purchase agreement because " I did not have a pre approval on file ''. 

I feel like there is some kind of miscommunication between the loan consultant and seller and I am being penalized with this loss. Seller is refusing to reinstate my purchase agreement, the house is now back on the market for a higher price. I'm a qualified buyer. I've gone through two different lenders who have given me a pre approval ( one already approved ). I went back to the Caliber Branch manager to demand that they redo my file. He reassigns me to XXXX again on XX/XX/XXXX. I've provided documentation as requested again. It is XX/XX/XXXX and I am still having to follow up with on a status with XXXX. Below is a timeline of events with the loan. 

- XX/XX/XXXX Received preapproval letter from XXXX  - XX/XX/XXXX Signed purchase agreement for new build and deposit XXXX ( sales agent to request loan docs be transferred to XXXX ) - XX/XX/XXXX Finalized upgrades, provided additional {$5800.00} - XX/XX/XXXX Seller cancels purchase due to " not having a pre approval on file '' - XX/XX/XXXX Addressed complaint to Caliber branch manager XXXX, demanded that they re do my file again. XXXX  stated he will have XXXX re run my file. 
- XX/XX/XXXX XXXX emails with list of documents needed, I provided documents and asked that he kept me in the loop on status - XX/XX/XXXX I provided more documents - XX/XX/XXXX XXXX indicates he can not open one of the docs, I resent the doc - XX/XX/XXXX I followed up to see if he was able to open the doc, asked for a status - XX/XX/XXXX Followed up on status again as XXXX did not reply to previous email - XX/XX/XXXX XXXX indicates he still needs all of the documents. I only provided the XXXX tax return - XX/XX/XXXX I replied, there are several documents attached to this email already. I attached the same documents and asked that he kept me in the loop if he was running into any problems opening the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is reporting an inaccurate charge off account on my reports with multiple inaccuracies. This account was previously deleted from my reports by XXXX back in XXXX XXXX XXXX  but has been recently inserted back onto my reports. Per the consumer laws, I am supposed to receive a letter in the mail with a five day notice of any accounts that will be reinserted onto my reports and I never received anything from them, XXXX nor XXXX XXXX. 

I have contacted XXXX XXXX directly along with each bureau requesting documents and how did they verify this account and have never received any sufficient proof or documents to me as requested. Not only have I not received any documents but each credit bureau is reporting very drastically different information. 

Transunion is reporting an open date of XX/XX/XXXX, a high credit if {$500.00}, a last report date of XXXX a last active date of XX/XX/XXXX and a last payment date of XXXX 

XXXX is reporting an open date of XX/XX/XXXX, a high credit of {$0.00}, a last report date of XXXX a last active date of XXXX  and a last payment date of XXXX 

XXXX is reporting an open date o XXXX, a high credit of {$350.00}, a last report date of XXXX  a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXXXXXX 

If all of the credit bureaus are getting their information from the same place, how is it that they are all reporting very different information. Given the facts of this matter the credit bureaus as well as XXXX XXXX is clearly in violation of the consumer laws and should delete this account from my reports immediately.

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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the credit agencys about my XXXX account and chase account as the balances owed are not corrects, and I tried to settle the correct amount with them but the was denied. I requested how the credit agencys verified the account was accurate and I was never provided any proof just a letter that says it was verified again but i want to see my application I signed something there verifies this account was mine to say it was verified.

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