BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-23
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they : ( 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 2019-11-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was going over my credit report with my lender when we discovered account that I never opened that where fraudulent. I have never applied for the following account : XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX, XXXX/XXXX-XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX. I am not sure what else to do at this point. I have file a report with the 3 credit Bureaus and FTC. I need this resolved asap I am trying to buy a Home in the next 30 days.

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 2022-09-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items from my credit report : Inquiries XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXXXXXX XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX I used the US Postal Service to send all three credit bureaus ( XXXX XXXX and Transunion ) letters informing them that they are reporting inaccurate/false information on my credit report. I requested that they verify these inquires and if they do not find any legal proof that I authorized these inquires to please remove them from my credit report. I requested a 30 day response. I never received a 30 day written response back from any of these reporting agencies. On XX/XX/XXXX I sent an follow-up letter again informing these agencies of this false and inaccurate information they continue to report on my credit report. Again, I requested a full investigation and proof be sent to me that I had authorized these inquires. I still have not heard anything back from these agencies and that are still reporting this false information. I have included proof of the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I also attached the letter had notarized on XX/XX/XXXX requesting these items to be removed.

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 2023-08-18
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 have sent a multiple request asking TransUnion how they verified this accounts as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this accounts. 
XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, XXXX XXXX  Original Creditor XXXX XXXX : Account number : 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 2018-09-05
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Hello I bank with US bank. 
Lately was scammed through a resale site to transfer money for merchandise. I never got the merchandise and the individual used XXXX through US bank to collect money from me. 
I had never heard of XXXX and I trusted it because it appears on my US bank home menue. 
After complaining, US bank is not doing anything to protect me as a client and neither they have any warning or disclosures stated upon opening XXXX feature to only use this feature to send money to friends and family. Anyone automatically can trust this for the bank to stay behind any complains and disputes down the line. 
I further noticed that XXXX is not even yet affiliated with Consumer Financial Protection Bureau which makes it even worse to appear right along major banks and making it ok with out any disclaimer to transfer money. 
US bank should either remove these unknown features for money transfer or make it very clear as how they operate individually with out banks interference, in case of future disputes and issues. 
I am asking from the bank to take responsibility and issue me {$250.00} refund and also pay closer attention to making it clear for their customers about this.

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 2023-04-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I pulled my credit report to make sure everything was correct. When viewing all 3 reports from XXXX, XXXX, XXXX and they are all reporting differently. Listed below is all the categories that show differently amongst all 3 bureaus. I sent a letter informing XXXX XXXX informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for XXXX XXXX to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 391. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency

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 2023-05-16
Company: Experian Information Solutions 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: 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 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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau but to my surprise, I did not receive anything back as a response. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-23
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: Information belongs to someone else

Complaint:
I was going over my credit report with my lender when we discovered account that I never opened that where fraudulent. I have never applied for the following account : XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX, XXXX/XXXX-XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX. I am not sure what else to do at this point. I have file a report with the 3 credit Bureaus and FTC. I need this resolved asap I am trying to buy a Home in the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: CO
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:
Equifax is reporting 3 collections that should be deleted as the collections agency was collecting on the debt previously since 2018 for a large consolidated account that was in litigated. I did not received notice. Once I was made aware of tehse accounts through my mortgage broker. I contracted the debt collector paid the accounts in full and the debt collection agency agreed to remove the accounts delete them from my credit report as I did not receive notice. I am being denied a mortgage as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: EQUIFAX, 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:
I have multiple inquiries on my credit that I didn't authorized and its affecting my personal credit score. The companies that are on my credit report I don't know them and I've never done any business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint on XX/XX/, complaint # : XXXX to Experian regarding incorrect information that is reported on my credit report, and multiple bankruptcies. 

Experian submitted a response on XX/XX/2023 : ... '' At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. '' I've reached out to XXXX ( Experian vendor ), regarding the response Experian provided. 

XXXX sent me a letter dated XX/XX/, regarding the multiple bankruptcies. stating : " In an effort to resolve XXXX XXXX concerns, XXXX did not locate the records listed below in XXXX XXXX file with XXXX. 
Bankruptcy Record : Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX '' I've also attached multiple documents that I received from the Bankruptcy courthouse saying they have never sent any information to Experian.

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 2023-04-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX has repeatedly sent mailing notices about an alleged debt. I have received multiple mailings over the last few years. I recently started to keep them. The notices also, state they can not sue me but will continue to effect my credit until I pay them. 
Dates of their letters : XXXX XXXX XXXX XXXX XXXX I also have a letter from when they tried to sue me, but it was dismissed. 

I sent validation letters to the credit bureaus asking them to send proof/ validation of debt, I have yet to receive any sufficient proof of debt. They also failed to remove the information from my credit report during the " investigation process '' while trying to validate my debt. 
They have provided no substantial proof of debt. Nothing with a signature, contract or any other information that states I owe this company any money. These actions were taken over the last few year and I do not have dates for these letters. I did not know I was suppose to keep track of this information. But I'm sure they have record of the disputes on file. 

The alleged debt amount is {$2300.00}.

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 2022-01-03
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is related to complaint number : XXXX XXXX XXXX has completed or I believe to have completed/ fulfilled their obligations by locating and finding the missing funds. LoanCare has not. LoanCare received the check on XX/XX/XXXX confirmed by XXXXXXXX XXXX as they provided the XXXX tracking information and delivery confirmation. That check was received by Loancare on XX/XX/XXXX. As of today XX/XX/XXXX over a month later the funds have not been credited to my account. Has Loancare just decided to keep my {$3000.00}? What takes a month to process a deposit?

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 2022-06-15
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: DISCOVER BANK
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
5 year + old charge off account. 
Discover bank keep going up on total amount. I was told the account will be XXXX soon. 

Balance should be $ 800-1000 max.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Experian Information Solutions Inc.
State: CA
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:
Experian has been advised repeatedly since the end of XX/XX/XXXX my XXXX credit card is a Closed account. XXXX has told me and written to myself and Exprian the account is closed and has been close for over 2 years. When the FACT the account is closed not open is pointed out Exprian only updates my outstantding balance owing never corrects the STATUS TO REFLECT MY ACCOUNT IS NOW CLOSED. This error is affecting my credit score because it looks like I am using more credit than I have access too raising the % of usage to over 30 %. The reality is I am using less than 10 %. Exprian refuses to accurately report the XXXX card as a closed credit account. They report status as open per a report date of XX/XX/XXXX ignoring the repeated reports the account as closed since the alleged report date of XX/XX/XXXX. Please see letter from XXXX on XX/XX/XXXX clearly reporting account CLOSED. The attached documents demonstrate it is EXPRIAN that is refusing to report my credit accurately. I have noted on attachment the proof and false reporting by Exprian. Please help me get Experian to accurately report my credit instead of ignoring current status as requested and reported to date by me and my creditor. 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 2018-09-05
Company: EQUIFAX, 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 Have disputed the information on payment history. I have also contacted the creditor who stated the information was submitted to be corrected. My credit profile still has not updated the file and corrected the past due payments showing on my credit file. I have asked for a copy of the verification method used to validate the accuracy of their investigation and received nothing but a copy of my credit report stating the the information was verified and not changed. I've provided my billing statements from the months in question as PROOF to not being late for those months and actually having the payments made IN ADVANCE for the months marked late on my credit profile, only to still receive the same results. This is creating a drop in my credit profile and I need this resolved. All 3 bureaus seem to be NOT correcting the reporting, only deleting the payment history all together or stating to me that the payment history is accurate. I don't want my payment history deleted, I want my excellent payment history updated and reporting accurate information.

Company response to consumer: Closed with explanation