BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this several times, several months ago I sent in a certified letter asking for Validation of this debt, Instead, I continued to get an XXXX XXXX electronic response showing verified without any supporting documentation to substantiate the claim pursuant to the FDCPA 15 USC 1692g on today I redisputed this item online, asking for Validation of this debt by providing me with the method of Verification i.e Validation of this Item XXXX XXXX XXXX XXXX. I requested the documents that Transunion Credit Bureau provided to the information provider and the documents that the information provider sent to Transunion to substantiate their claim.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After, Reviewing my full credit report. Majority of the credit inquiries on my report have not been authorized by myself, XXXX XXXX. Or I have no knowledge of why they are on my report at all. I would like them all removed or verified immediately please.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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:
The following accounts that appear on my credit do not belong to me, I suspect my ex husband did this without my knowledge or consent, I have since been divorced from this person. 

1 ) XXXX {$59.00} opened XX/XX/XXXX ... 2 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX ... 3 ) XXXX XXXX {$0.00} ... 4 ) XXXX XXXX {$0.00} XX/XX/XXXX .... 5 ) XXXX XXXXXXXX {$600.00} XX/XX/XXXX .... 6 ) XXXX XXXXXXXX {$730.00} XX/XX/XXXX .... 7 ) XXXX XXXX XXXX XXXX {$760.00} 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 2023-05-17
Company: Experian Information Solutions Inc.
State: WA
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 to complain about the credit bureaus and companies that I have been submitting disputes against for falsely reporting information on my credit report. I started disputing on XX/XX/XXXX, with another dispute on XX/XX/XXXX then a round now that was submitted on XX/XX/XXXX. None of the bureaus have given me valid responses and the responses that I did get were stall tactics that are accusing me of using a 3rd party. This is upsetting because I'm trying to get my credit to a point that I can purchase a property and with this false information, I'm unable to do. There's also some late payments that I was promised would be removed within 72 hours and that still has not happened. I got behind on a few payments because my husband was in the hospital with a XXXX XXXX, my priority was taking care of him and getting him back to health. I have provided proof as well of this hoping this will help in removing the late payments as a courtesy.

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 2023-06-07
Company: EQUIFAX, 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:
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: TX
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:
On XX/XX/XXXX, I submitted a dispute on a charge that I did not authorize. I submitted evidence from the merchant stating that the money had been returned to the bank. However, because the charge was originally made with a different bank, and the account was transferred to this new bank, they have not been able to reconcile the dispute in a reasonable manner. Additionally, through the dispute resolution process, pertinent information was withheld in what seems like an attempt to not resolve the dispute and I will detail that here. I received an initial email notification on XX/XX/XXXX stating the dispute was opened, but was not informed of a dispute resolution process. On XX/XX/XXXX, I received an email stating that the bank had been trying to contact me, and I have no record of their attempt to contact. I contacted the dispute resolution department team shortly afterwards, and a crucial piece of the process was not disclosed to me. On XX/XX/XXXX I was notified via email that the dispute was closed, in that communication I was not informed of a reopening process. On XX/XX/XXXX, I called the same department and spoke to a supervisor. I was not offered a chance to reopen the dispute, nor was I informed of a withheld piece of information. Instead, I was directed to submit a formal complaint to a different department, which I did. The executive office followed up with me the next day, and encouraged me to reopen the case within their communication. On XX/XX/XXXX, I attempted to reassert my claim, but was informed I was not able to because I was outside the time limit on a right to dispute, which ended on XX/XX/XXXX. There are two issues that I have with this overall - First, I have documentation from the merchant stating that the charges have been sent back to the bank. And second, I went through an entire dispute resolution process, and was not informed of a policy until well after the policy expired.

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 2023-07-14
Company: EQUIFAX, INC.
State: MI
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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wanting to dispute inaccurate Personal Information, Non Mailable Addresses, and Non working telephone numbers on reports not belonging to me. The below information is correct information to be on reports Name : 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 non-monetary relief
Consumer complaint received 2023-04-13
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I, XXXX XXXX submit this complaint against U.S. Bank N.A. for wrongful foreclosure on my mother XXXX  XXXX XXXX . I had unsuccessfully attempted to pay the unpaid mortgage payments and set up an automatic draft payment. I was wrongfully denied. After I was denied the opportunity to cure the loan. I made a written qualifying request to U.S. Bank CEO by certified mail after four weeks I have yet to receive any response from this bank. My mother XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/2020 this brought on a great deal of emotional stress and XXXX for my family and me. Now! Dealing with this wrongful foreclosure without any remorse from the bank has made this struggle unjustifiable. Being a senior myself, this unnecessary fight has taken a toll on both my mental and physical assessment of my body. The bank attorney-in-fact informed me to get a bondI took his advice after receiving my bond I filed it with the XXXX County Court Division , as well as submitted a copy to U.S. Bank. I was discriminated against for attempting to save my mothers estate. U.S. Bank failed to allow me the opportunity to cure the loan. I believe I was abused due to my age after several attempts to fix the loan thats when I realized I just became a victim of Elder Abuse for Financial.

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 2023-02-10
Company: AMERICAN ADVISORS GROUP
State: MN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I am requesting assistance on a reverse mortgage issue for my brother, XXXX XXXX XXXX. He is a XXXX veteran that has had a XXXX and struggles daily with memory issues. He has been able to live in his home until a recent bout with co-vid 19 at which time he was hospitalized and is currently in a skilled facility for rehab. XXXX did a reverse mortgage with AAG in XXXX. 
XXXX XXXX has been his power of attorney since XX/XX/XXXX so he is handling paying XXXX monthly bills during his nursing home stay. In going through his paperwork we discovered a notice from AAG stating that XXXX XXXX has been sold at auction and he will need to exit the home by XXXX of XXXX. We made sure he was paying the taxes and home insurance. We are unable to get much information regarding this but we were told by the XXXX XXXX XXXX that it was because he did not complete the paperwork to state he was still living in the house. We have been unable to find any paperwork requesting this information. We do not know which way to go with this and don't want him homeless. Any assistance would be appreciated. POW is XXXX XXXX XXXX. XXXX. or ( XXXX ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: GA
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:
This Person ( XXXX XXXX Credit Card ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: IA
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 complaint # XXXX through the CFPB about EXPERIAN reporting INCORRECT information on my Credit Card with XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX. 
I stated that it was reporting this account as being 30 days late on XXXX or XX/XX/XXXX AND 90 days late on XXXX or XXXX and that that information was incorrect as I had called XXXX XXXX XXXX and they promised to make a MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I was making large payments to cover the back payment due as well when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! 
This is now my THIRD TIME asking EXPERIAN through the CFPB portal to do a PROPER INVESTIGATION and make changes to this account. They have FAILED both times to see me as a person with rights protected under not ONLY the CARES ACT but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They have YET to give me a fair and proper investigation as a matter of fact I am a PAYING MEMBER of EXPERIAN and get updates about my disputes in REAL TIME which I then can print out. As you can see for yourself in my attachments they havent lifted a finger to protect these rights which state they are NOT ALLOWED to use as stated - information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from a creditor of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an investigation about a dispute!!!! 
They just continue to deny me of my rights again and again.

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 2023-01-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Several attempts have been made to remove seven ( 7 ) non-mailable addresses and three ( 3 ) employment histories off my credit report with Equifax. The website does not allow you to remove for inaccuracies ; just for " address belong to someone else, theft or fraud or I've never lived there ; without an option for non-mailable addresses and employment history.The only address to remain is my current address and current employment.

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information. Inaccurate information must be removed immediately ; these are non-mailable addresses and I no longer work for those employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It has been brought to my attention that the Credit reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. My information has been exposed in the XXXX data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please have the following items removed as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX White XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$410.00}

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 non-monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: LA
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 went to these banks to check to see if I wouldve been able to be approved for a vehicle and I told the lenders to not run my credit for these possible inquiries but they ran my credit without my knowledge or permission, violating my Fair Credit Reporting Act right to privacy.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
my auto loan never showed up on my credit report from credit acceptance because they said there was a fraud alert on my profile but i never received any information in regards to that alert or any proof that they got an alert or from which company.. i need a clear cut way how to fix this and they are avoiding taking responsibility

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 2023-02-10
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:
This is my 4th 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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} US DEPT ED XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief