BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
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:
This summary addresses the issue of inaccurate reporting on my credit profile, which has resulted in the unauthorized use of my Social Security Number ( SSN ) by someone else. I am seeking resolution and assistance from the Consumer Financial Protection Bureau ( CFPB ) to rectify the situation.I have discovered inaccuracies in my credit profile, specifically related to the unauthorized use of my SSN. These inaccuracies have led to fraudulent activities, with someone else falsely assuming my identity and utilizing my SSN for financial transactions and credit applications. As a result, I have experienced significant financial harm and potential damage to my creditworthiness.I have taken initial steps to address the issue by contacting relevant credit bureaus and reporting the fraudulent activity. However, the situation remains unresolved, and I now seek the CFPB 's intervention to ensure a thorough investigation and resolution of the matter. Experian, XXXX, XXXX both received letters from me dated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each credit bureaus have failed to provide proper validation for the alleged accounts : XXXX XXXX XXXX ( reporting on XXXX ) and XXXX XXXX  ( reporting on all 3 bureaus ) None of the credit bureaus have provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. I have requested that all information that could not be properly validated be deleted immediately and my requests have been ignored. Based on FCRA 611 ( a ) ( 2 ) ( B ), Each bureau is required to forward all relevant information provided by the creditor for their investigation of my dispute. All each bureau has done is merely update the account date and imputed my name with the alleged debt. This blatant negligence to be compliant and refusal to take my request for proper validation will no longer be tolerated. The unverified items XXXX XXXX XXXX XXXX XXXX remain on my credit report and are a violation of Federal Law. As a consumer my rights have been violated by the credit bureaus. This refusal to remove the accounts after requesting proper validation is " negligent noncompliance '' under ( Section 617 ) I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-08-18
Company: Mr. Cooper Group Inc.
State: MA
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 is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS XXXX XXXX Case. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-03-13
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:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from 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 ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
XXXX XX/XX/XXXX, for XXXX XXXX XXXX  XXXX sine XXXX Ive contacted both several times telling them I wanted to exercise my 15 usc 1608 consumer rights

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 2023-12-13
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage has gone up 3 times in XXXX! My property taxes did not go up. My homeowners insurance has gone up. I've sent countless emails to the company to the customer service department as well as the disputes department. The responses I've received had nothing to with my complaints or disputes, if there was a response at all which was the vast majority of the time. They said random people had a lien on my house for approximately {$2500.00}, which was not at all true. I checked for myself. I keep getting harassing phone calls which I do not answer, I respond in writing demanding for them to stop calling me stating if they'd responding in writing something that was a blatant lie, I have zero confidence they wouldn't do it in over the phone. I called in XXXX to ask and explain that my mortgage payment would be late due to the 6 week, furlough ( the one and only time my payment was late. Not only did they say they would make a note on my account and there was nothing else I needed to do, not even 30 days late they reported a late payment to the credits bureaus which resulted in a huge negative impact on my credit scores. During a previous complaint I complained about the false late payments they then removed all reporting to the credit bureaus, I think they sit on payments in order to justify charging late fees. I've questioned about mysterious unexplained fees on my account that were never explained but still being charged. With every correspondence I've attached my payment history going back a year each time and this is ignored and/or not responded to or corrected. I've asked them to stop sending documents to a third party on more than one instance they have yet to even comply with this simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 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 my have gotten 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 explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: IN
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 never received a response from the credit bureaus or the creditor. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Also, this personal information is inaccurate and has not been proven. I've addressed this in the past and it needs to be removed!! Delete these unknown and unproven addresses : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I recieved a notice from VA DMV advising that my tag renewal was frozen. I had never recieved notices from this company that I owed any tolls. I attempted to contact this company once i recieved notice from the dmv. This company without proper notice turned my account in to a collection agency, I had moved and notified the dmv of my new address, according to these people instead of checking the recent dmv records, they opted to send these so called notices to an old address. Then they attempted to extort XXXX in fees. Their collection agency attempted to bully twist facts, and outright lie, by telling me that it was a law that i purchase and use an ezpass, and then they were verbally abusive, spoke over me, and try to pursuade me that i was breaking the law. They are attempting to extort, and steal from drivers during a pandemic when no one is working, wth no remorse, no compassion, their collection practices should be investigated as no other toll company in virginia is doing this. I have reported them to the consumer board of financial protection, and the Federal Trade commission, I am not negotiating with these dishonest freeloading theives. The employees of this company made several false statements, and attempted to engage in fear tactics. Not carrying or purchasing an ezpass is NOT A CRIME, and a toll violation is NOT CRIMINAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Ive sent a theft report from the police and none of the information has been removed. Late payment are showing on my report that are false am no investigation was done by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: IL
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 the several times I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXXBalance : {$3200.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$830.00}, XXXX XXXX XXXX Balance : {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Bank XXXX is incorrectly reporting on my credit report. 
The account reported close and then open and then late. This account should not be reporting on my credit report XXXX credit has also been removed and Transunion put it back on my account illegally. 

Transunion also never removed XXXX XXXX XXXX XXXX XXXX XXXX are reporting XXXX auto loans and a ftc report has been filed and shown. 
15 U.S. C 1681c. ( a ) ( 5 ) 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 XXXX years 15 U.S. C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b ) I have contacted my lawyer and the next step is to sue and demand monetary relief due to them breaking these very laws

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 2021-03-13
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I made the full payment of {$220.00} with XXXX and closed the account but the debt collector company " CREDENCE RESOURCE MANAGE '' kept on reporting this with XXXX XXXX. I filed the dispute with XXXX but they refused to resolve the dispute. I have asked the debt collector company to provide me with the current unpaid balance from XXXX XXXX. I'm not getting any response from them. I need this in writings from them. 

Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MI
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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT INCLUDING THE FOLLOWING Inquiries : XXXX Credit XXXX XXXX XXXX XXXX XXXX Factual Data XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit  XX/XX/XXXX, XXXX TO XXXX XXXX XXXX ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police.

Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed 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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are several delinquencies, missed payments and accounts that do not belong to me.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
WORKED IN STUDENT TRUCK DRIVING PROGRAM AT XXXX XXXX FOR ONLY 3 DAYS, HOWEVER BECAUSE I COULD NOT MEET THE PHYSICAL DEMANDS OF THE ROLE WHICH ENDED MY EMPLOYMENT IN THEIR PROGRAM WITHIN THOSE 3 DAYS. SEVERAL MONTHS LATER THEY CALLED ME DEMANDING THAT I PAY THEM {$4700.00} FOR THE TRUCK DRIVER TRAINING CLASSES THAT i NEVER TOOK. THESE PEOPLE ARE ALLEDGING THAT i HAVE A LOAN WITH THEM FOR EDUCATION, HOWEVER IT IS NOT TRUE AND I WAS NEVER PROPERLY MADE AWARE ACCORDING TO THE LAW. I BELIEVE THAT XXXX IS IN VIOLATION OF THE TRUTH IN ACT AND THE THE FAIR CREDIT REPORTING ACT FOR THE FOLLOWING : I NEVER RECIEVED DISCLOSURES FOR SUCH A PROMISORY NOTE, I HAVE NEVER RECIEVED AN INVOICE OR PAYMENT BOOKLET, THEY HAVE VIOLATED MY PRIVACY BY NOT NOTIFYING THAT THEY ARE SHARING ACCOUNT DETAILS WITH XXXX PARTIES AND THEY HAVE NEVER PRODUCED THE ORIGINAL PROMISSORY NOTE FOR SAID DEBT. i WOULD LIKE YOUR IN PROTECTING ME FROM THE UNSCRUPULOUS BEHAVIOR OF XXXX XXXX  BY DEMANDING THAT THEY STOP REPORTING THIS TO MY CONSUMER FILE FOR THEM TO CEASE AND DESIST THIS ALLEGED DEBT.

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 2019-02-14
Company: Navient Solutions, LLC.
State: CA
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 2 Direct Subsidized student loans and 2 Direct Unsubsidized student loans. I discovered them on my credit several years ago and I have asked Navient to provide me with all of the loan documents to prove that I signed for these loans more times than I can count. They have told me over and over that they will not and do not have to provide me with that information and that since I attended the community college they have listed then the loans have to be mine. I explained how I did go to that community college but I DID NOT request any loans. Then after I stated that to them they told me it was done electronically. I informed them that my ex-husband could have done all of this without my permission because I know for a fact that I never received any money from the community college. I have been able to get on an income based payment plan but I never even applied for these loans nor did I ever receive any money that they say I owe. How can I be responsible to pay for something when they can not provide proof that I signed for these loans. Just because I attended that community college should not be a valid way to prove that I was actually the one that signed for them. I want to see the documents that I signed for. I want proof that I signed and received the money. I filed chapter XXXX   and the loans showed taken in chapter XXXX and then all of a sudden they show current and not taken in chapter XXXX. How is this possible that they go from being taken in my chapter XXXX  bankruptcy to being a valid loan again? Something needs to be done about this. I don't even have a degree or a high school diploma. I am responsible for something I did not do and they refuse to show me proof. I don't know what else to do.

Company response to consumer: Closed with explanation