BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting incorrectly to Experian a collection/charge-off in the amount of amount of {$6600.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) First, this account is currently coded as an I9 and needs to be coded as an I1, reporting a {$0.00} balance and {$0.00} past due. I was a small business  owner and was lied to and aggressively pursued by a salesman representing XXXX XXXX XXXX. I was told by the leasing agent for the company that I could at any time within ( 3 ) business days void the lease agreement. The lease agreement was signed on XX/XX/2014. One day later, on XX/XX/2014, I faxed the Notice of Cancellation back. ( Please note the date of the fax highlighted on the upper left corner of the Notice of Cancellation. ) This shows that I did cancel the contract well within the ( 3 ) day time frame. Second, please look at the bottom left of the highlighted portion on the Notice of Cancellation. You can clearly see that the date, along with my signature, has been whited-out. This Notice of Cancellation document has been altered to make it appear as though I never signed it. This is further evidence that XXXX XXXX XXXX has not only misrepresented the cancellation policy as outlined, they have manipulated the document. This is fraudulent and therefore the collection/charge-off is completely unsubstantiated. I do not owe any sum of money to XXXX XXXX XXXX. Second, I request that Experian remove this line item from my credit report and/or change the coding to an I1 and accurately report a {$0.00} balance and {$0.00} past due. Also attached is a copy of the multi-million dollar class action lawsuit filed against XXXX XXXX XXXX. This too is further evidence that their illegal practice of duping small business owners was, in fact, illegal and fraudulent. I have tried to contact both XXXX XXXX XXXX and Experian to fix this however, I have not been successful. This false reporting of a collection/charge-off is seriously harming my credit score.

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 2020-03-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Im a victim of identity theft someone got hold of my XXXX card and used it when I first found out I contacted the company right away which they blocked the card and send me a new card, but for some reason they still want me to pay for the items I didnt have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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: Account information incorrect

Complaint:
These companies have accounts on my reports that is either not mine or inaccurate : 1. These inquiries were not authorized by me. I believe someone tried to use my name to fraudulently open credit card accounts. 
XXXX XXXX Date of inquiry : XX/XX/2022 Remove immediately and confirm in writing. 

2. This account was never paid late. I made an agreement with the lender and paid as agreed. These supposed late payments are also fall under the protection of The CARES ACT Regulation 5. 
XXXX XXXX  XXXX : XXXX Please removed these inaccurate late payments from my account immediately and change to paid as agreed and confirm in writing. 

3. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX XXXX  XXXX : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

4. This account is inaccurate. The Date Last Active is prior to the Date Opened which is impossible along with other inaccuracies. 
XXXX XXXX XXXX  XXXX : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

5. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
11 XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

6. This account is false and misleading. It is fraud on the part of the creditor. 
GREAT EXPRESSIONS DENTAL CNT. This doctor is charging me for services for braces that my child never received. 
Account XXXX : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

7. UNKNOWN. I believe this account to be fraudulent. 
06 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing.

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 2021-02-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer - Lakeview LLC said they made the payment from my escrow account of {$2500.00} for my 1st supplemental tax bill on XX/XX/2020. But that payment never made it to the county of XXXX XXXX. I got a delinquent tax bill from the county and I had to make the payment. However, when I speak to to Lakeview llc they said the county will apply the payment to the 2nd supplemental tax bill. I contacted the county and they said they never received the payment. I need the {$2500.00} back on my escrow or refunded 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 explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX. appeared on my Transunion credit report. I am disputing this inquiry and requesting documentation regarding a third party 's access to my consumer credit report pursuant to the permissible purpose provisions of the fair credit reporting act.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 disputed the XXXX XXXX XXXX account showing on my credit report with all three credit bureaus XXXX, XXXX, and TransUnion call and all three bureaus has claimed ACCOUNT VERIFIED. The XXXX XXXX XXXX account reporting on my account is showing an incorrect status of delinquency, incorrect balance, incorrect payment history etc. Ive tried to correct the issue with the credit bureaus but I dont believe I received a fair hearing according to the fair credit reporting act.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX-Date of inquiry XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
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:
First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

Account # XXXX and Account # XXXX are showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2023. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.

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 2018-08-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage took an additional payment out of my checking account without authorization from me. When i requested the refund, they refunded the money to someone else account. This cause me to have several NSF fees and caused issues with my employer ( XXXX XXXX XXXX ) as we are held to high standards as it pertains to our personal life. Wells Fargo continued to ignore the issue and eventually refunded a portion of the NSF fees. When i asked for a letter from them showing that it was their error, they just completely blew me off. After repeated calls I finally got a copy of a letter a month later. They never refunded the remaining NSF fees.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 follow-up to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In XXXX of 2020, I was informed via email that an erroneous debt on my credit file would be looked into as an error ( which it was ) by the company, XXXX XXXX that sold it into collections. XXXX investigated and found the debt to be in error, actually refunded {$57.00} that was owed to us. Several letters and communications were forwarded stating that XXXX recognized their mistake and would cease, themselves, and also require the collection agency, XXXX XXXX, to cease all collections. XXXX XXXX was required by XXXX and by law to systemically remove the negative file reported to the three major credit bureaus. XXXX XXXX then sent letters to me stating they would correct the reporting error but did so for two of the bureaus while leaving the reporting cycle for XXXX  open. 

Over a year has passed since I informed XXXX XXXX, a Minnesota-based collection agency, that they were in error concerning a debt that was not mine and I refused to pay. Doing so has caused a great loss to my personal and financial well-being. I am now in the middle of purchasing a new home which is due to complete building soon. The continued negative reporting with XXXX  refusing to remove this remark is causing suppression of my credit score and potential loss of my financial investment and social need for shelter for my family and myself. 

I am asking the CFPB to intercede on my behalf because XXXX  states that a request to remove the error has NOT been made by XXXX XXXX, while XXXX XXXX 's supervising agent over the file, XXXX XXXX, states that the error request was submitted in XXXX ( but also stated the same thing in XX/XX/2020 ), but the item is still reporting. It's well after the legal amount of time to remove the error, but XXXX XXXX states they will do nothing more to have it removed. XXXX  continues to state that there has been no request sent from XXXX XXXX and that must be received first before they can comply. 

I am attaching documents for review.

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 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
charged off CHILD SUPPORT is still reporting on my credit report as a negative. It should be off my 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 explanation
Consumer complaint received 2022-03-28
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the Covid pandemic my wife lost her job. We took a forbearance with our previous lender XXXX XXXX. While in forbearance our mortgage was sold to Freedom Mortgage company. I contacted Freedom to reinstate my loan to begin making payments again. My option was to make a lump sum payment for the past due amount or apply for a loan modification. I chose the loan modification as I did not have funds to repay the entire amount. 

I was told that 3 trial payments needed to be made beginning XX/XX/XXXX. We made the three payments and continued making regular monthly payments. We received notification in XX/XX/XXXX that we failed to make our XXXX payment. We had indeed made all of our payments but unbeknownst to us at the time, they assigned our 3rd trial payment to XX/XX/XXXX and our XXXX and XX/XX/XXXX payments were applied to XXXX and XX/XX/XXXX. 

Our only recourse was to reapply for a modification which we did. We received the paperwork in XXXX with instructions to wait upon their notary service to contact us. At the time I was not provided the contact information of the notary. I had multiple subsequent contact with Freedom Mortgage inquiring on when the notary service would contact me. The last time I contacted Freedom Mortgage was XX/XX/XXXX, the representative gave me a number to call directly to the notary service. When I contacted the notary service I was told my paperwork had expired. I asked the Notary service why they did not contact me, they stated they had called on three occasions but I didnt answer the phone. I asked why they did not leave a voicemail and she responded that their policy is to not leave voicemails. She also mentioned that my caller ID would show scam likely. I then contacted Freedom Mortgage to see what can be done. This was early in XX/XX/XXXX, customer service at Freedom confirmed my modification had lapsed and that she would resubmit it. Today XX/XX/XXXX I called Freedom Mortgage to ask when my modification paperwork would arrive. I was out on a brief hold and then told the agent I spoke with a few weeks ago did not submit the modification request.

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 2023-02-27
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:
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 accounts, 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 accounts in my file. 
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 2023-01-19
Company: Experian Information Solutions Inc.
State: TN
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, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

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 2018-08-27
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: Their investigation did not fix an error on your report

Complaint:
My credit report with XXXX XXXX indicates I was late 30 days XX/XX/XXXX and late 60 days XX/XX/XXXX. The account was paid in accordance to the agreed amount on XX/XX/XXXX. XXXX XXXX failed recognize the agreed amount was paid until 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 2022-03-28
Company: EQUIFAX, 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:
On XX/XX/XXXX, I was a victim of identity theft. I had an account showing up on all XXXX  credit reports showing it was opened up with XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX for a {$2000.00} credit limit and a balance of {$1400.00}, under my name and was reporting to all XXXX credit bureaus. I filed multiple disputes with all XXXX credit bureaus as well as XXXX XXXX/ XXXX XXXX XXXX XXXX and sent them all the required docs. The account was removed from XXXX and XXXX ; and I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX stating that a request had been submitted to all XXXX credit bureaus to remove the account as it had been found to be fraudulent. I was unable to obtain a copy of my Equifax credit report since XX/XX/XXXX up until today, XX/XX/XXXX. Upon reviewing, I saw the account is still reporting to only Equifax, after I had previously sent multiple documents that they were requiring of me, including an FTC Identity Theft Report as well as a police report. The documents required were sent multiple times : XXXX XXXX mail on XX/XX/XXXX with a tracking # of XXXX and faxed on XX/XX/XXXX to XXXX ( XXXX ) XXXX. On XX/XX/XXXX, I received a letter from Equifax stating that the account was not currently reporting on the Equifax Credit File. I called Equifax today, XX/XX/XXXX, and spoke with a representative named XXXX to request the account be removed since a letter was sent to Equifax on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX XXXX to remove the account. Instead of removing the account, another dispute was filed. I asked for the reps employee number and was immediately hung up on. This account needs to be removed from my Equifax credit report as this practice has now turned into being illegal against the Fair Credit Reporting Act. This account was requested to be blocked by Equifax, and was not, until the investigation was complete as it was a result of identity theft. As well as Equifax not removing it once it was found to be fraudulently opened by XXXX XXXX XXXX XXXX and a letter was sent to Equifax by XXXX XXXX XXXX XXXX to remove all tradelines and any related inquiries on XX/XX/XXXX.

Company response to consumer: Closed with explanation