BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
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 XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank 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 explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/XXXX, I submitted a certified letter to Experian to dispute unauthorized inquiries that were listed on my credit report. My dispute was received by Experian on XX/XX/XXXX. In my dispute I requested for the removal of these unauthorized inquiries. I did not authorize any of the disputed inquiries in writing or verbally. These inquiries occurred on two different dates XXXX XX/XX/XXXX & XXXX XXXX ) in a state/s where I do not reside. On XX/XX/XXXX, I received an email from Experian that stated my dispute results were ready. When I reviewed the credit report from Experian, all of the disputed inquiries were still listed. When I contacted Experian via telephone on two different occasions to find out why my dispute of these unauthorized inquiries were denied, the Experian representative responded by saying that the inquiries were proved to be valid and I needed to contact the lenders which I had already done. When I requested a copy of the description of how the investigation was conducted, Experian denied my request. I also requested copies of an application or any other documentation that shows that I authorized the lenders to obtain my credit report. Documentation should have been submitted by all of the lenders who reported these inquiries if I authorized them to obtain my credit report. Experian sent me an email on XX/XX/XXXX that stated they generate the information listed in the inquiry section from it's own business records, which they verified as accurate. This email also explained the definition of permissible purpose along with other explanations which did not apply to me. Experian denied my dispute as if the unauthorized inquiries that I disputed were proven as factual from an investigation that never took place. Experian violated the Fair Credit Reporting Act by through it's failure to reasonably investigate the disputed 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 explanation
Consumer complaint received 2020-08-03
Company: Business Revenue Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today XX/XX/2020 i recieved a bill from Business Revenue Systems ( colection agency ) stating that XXXX XXXX XXXX sent my bill {$45.00} to collection. They sent a bill to collections for a service I never received. I never heard of this company, and I HAVE NEVER EVER recieved a services, nor any bill prior to this " collection ''. I looked at XXXX XXXX XXXX web siteand it looks like it is a scam and many people are experiencing the same based on the reviews. I want this company to stop sending me any correspondence, and to leave me alone. I WILL ALSO FILE A COMPLAIN WITH A XXXX. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went to settlement in XX/XX/XXXX. Prior to the first mortgage payment becoming due I was notified HUD was transferring the loan., There was no ESCROW analysis done by the mortgage company until XX/XX/XXXX. In XX/XX/XXXX, I received notice that the monthly payment was going up $ XXXX ( rounded ). I noted that the Real Estate Attorney transferred $ XXXX ( rounded ) at the time of settlement. Each month, the Lender/mortgage Company -- Nationstar Mort LLC DBA Mr. Cooper also sent statements saying he was collecting an amount over and above the $ XXXX he received. When I received the ESCROW analysis, I began to ask questions on how he calculated the increase. I think it significant I think since it did NOT include Hazard insurance or any other expenses except, principal interest and taxes. I began asking questions on how the new amount was calculated. They said they would respond in 7 days, then 10 days and now 30 days. I researched and can not determine how much I paid in taxes ; how much was reported to the IRS was different than what I thought I should owe. The Seller did NOT appear to pay their share if they did, it appears they Mr. Cooper over collected and potentially over reported my portion to the IRS. Several days ago I received notice Mr. Cooper is transferring the mortage/loan to another party - SLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: MO
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 holding the credit reporting agencies accountable for the emotional distress that I've been put thru dealing with this same issue. I've demanded physical documentation/ vertification via this account inwhich you constantly reporting but never once provided any sort of documentation inspite of my many attempts to do so. You nor your companies have abided by the consumer laws of the FCRA. Either provide me with physical certified documentation of the account known as XXXX XXXX, or remove / block 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 explanation
Consumer complaint received 2023-09-11
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

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 2023-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may Concern, I am in disagreement with the items listed below which still appear on my credit report, even after their investigation. I would like these items immediately removed from my credit report. these inaccuracies are highly injurious to my credit rating. The Account are : ( 1 ). XXXX XXXX Bankruptcy After their investigation they claim that the information was verified by United States Bankruptcy Court Office Of The Clerk XXXX XXXX Of Florida. Which is strange because I Contacted the United States Bankruptcy Court Office Of The Clerk XXXX XXXX Of Florida and ask them why are they reporting these inaccuracies to the credit bureau? they responded back saying the Bankruptcy Court does not report or transmit bankruptcy court records or any other information directly to the credit reporting agencies. and plus my XXXX Account has been frozen sine 2021, I have all document to prove which I will upload so you can see. So I am Truly confused how they are validating this information someone is lying

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 2023-09-11
Company: Experian Information Solutions Inc.
State: MI
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I requested my XXXX score for the first time this XXXX in XXXX from all XXXX credit bureaus. With using XXXX, none of my XXXX scores were available to be reviewed by myself. I contacted XXXX that none of my XXXX  scores were displayed and was directed to contact each of the bureaus. I contacted XXXX on XX/XX/2022 that my score were not available, with proceeding to view the scores on XXXX the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. XXXX XXXXXX/XX/2022 there are still no XXXX  scores available to me. 

Under law " XXXX XXXX XXXX  et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX inaccurate account reporting on my credit reports. Corporation reports another entity owns the loan. They dont have permission to report it on my credit profile. Either one is not supposed to loan credit aggravated identity theft. 18us1028a.

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 2023-01-07
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX inaccurate account reporting on my credit reports. Corporation reports another entity owns the loan. They dont have permission to report it on my credit profile. Either one is not supposed to loan credit aggravated identity theft. 18us1028a.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I got a letter from FAMS Collection Agency stating that i owe an hospital bill for the year of 2013, that year my state tax refund was taken by FAMS {$290.00}. I mailed a copy of my insurance card once I revived the letter. My hospital bill was paid in XX/XX/XXXX by my health insurance. When i filed my XXXX taxes in XXXX FAMS put another hold on my taxes stating that i owe a debt which is incorrect. I had to resubmit the documents again via email to them and my funds was released in XX/XX/XXXX. I am going through the same thing this year for my XXXX taxes that was filed in XXXX, they keep sending letters to New Jersey XXXX XXXX stating i owe a debt when the debt was cleared 2 years ago. At this point is is fraud because if i would not send the email every year they would have kept my funds. Also it take almost half a year for me to receive the funds that they should not have been holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
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:
I prepaid for a month of classes ( 5 sessions- {$110.00} ) on XX/XX/2020 using a capital one business card. The business was forced to close part way through the month for covid 19 by government order and I was unable to get 3 of the classes I paid for. 

I initially requested a partial return of my payment ( 3/5ths, {$70.00} ) from the company but they stalled and ultimately refused. I next turned to my credit card company for a chargeback for services not received. After a month Capital One sided with the merchant since the merchant had a 'no refund ' policy in terms and agreements they supplied to capital one as justification. I appealed, arguing that I didn't want a refund ( which by definition requires a product/service to have been received by XXXX XXXX ), I wanted the portion back for services not received which is clearly spelled out in the credit card agreement that I am protected against. They still sided with the merchant ( listing a failure to receive documents but unclear what documents they require beyond their own credit card agreement and a dictionary ). I attempted to mediate through the XXXX as well without success so now I turn to the CFB to assist with getting capital one to honor the terms of consumer protection for services not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I tried calling the company multiple times letting them know its not me who tried to open an account Ive been with the same phone and cable company for years but they were not trying to hear me out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$200.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had my JCPENNEY credit card for almost 4 years and each year they reduce my credit to the exact balance which increases my credit utilization on my credit report. I worked to pay down this card from XXXX to XXXX and now they have reduced my credit limit to XXXX. This makes my credit utilization at 95 %. When I called to see why they said they did an annual review of customer worthiness. I have never been late on a payment or missed a payment, they every year do this and make my credit score plummet. This is unfair and unwarranted.

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