BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting everything must be true and 100 % accurate. 

The credit bureaus stated that my was properly investigated but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the dates last reported are inaccurate. This is grounds for removal. 

15 U.S.C 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency 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 non-monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2023-05-09
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:
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Honda Financial Services owes me money and they stated once we return the leased vehicle to XXXX XXXX XXXX we would be receiving a check for $ XXXX been more than a month and half now and we have still not received the refund check.Everytime we call Honda financial services customer care its more than an hour wait on hold and when we call XXXX XXXX XXXX no one even bothers to assist us with this refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
I checked again 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 deletion 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

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 2023-05-09
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: Information belongs to someone else

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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to negotiate with XXXX XXXX, my initial mortgage holder, for nearly 3 years to help me and offer me loan forgiveness or a loan modification. For nearly 9 months, they claimed they didn't have all information requested, reassigned the loan, lost the file, etc. The best they said they could do was offer a loan forebearance. I applied for assistance with XXXX on XXXX XXXX, XXXX. XXXX requested an I-record from XXXX XXXX within a few days but Wells FAILED TO RESPOND TO XXXX. Then, XXXX NEVER responded to XXXX 's request for information on my loan because they were too busy off-loading/selling my loan. This caused several weeks FURTHER delay with XXXX. Finally, I was notified that SLS was now in control of my loan on XX/XX/XXXX. XXXX XXXX caused a dely or over 4 months. I had to re-apply with XXXX  with this new information. I did this in XXXX, XXXX. Now, its XX/XX/XXXX and XXXX is saying XXXX hasn't responded to their request for my I-record. It has been over 8 weeks and they keep telling me to allow 5-7days! Well, they apparently had the incorrect loan number, which they discovered and fixed. Now, they have the correct loan number and insist they've requested the I-record from SLS several times. HOWEVER, I HAVE CALLED SLS OVER 10 TIMES TO VERIFY THEY'VE RECEIVED THE REQUEST FROM XXXX BUT THEY SAY THEY HAVEN'T. SO, I FILED A COMPLAINT AGAINST THEM FOR " FAILURE TO RESPOND ''. TODAY, IF RECEIVE AN EMAIL FROM SLS STATING TO HAVE XXXX CONTACT THEM AT A DIFFERENT EMAIL ADDRESS.

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 2023-08-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX 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 2022-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I stated to a rep that the account dated XX/XX/XXXX for the amount of {$310.00} did not belong to me.The rep stated to I that he will have his supervisor remove these false information from my credit report.I checked my report XX/XX/XXXX and still see incorrect information being reported. As stated 15 U.S.C. 1681 any false information must be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: HANCOCK WHITNEY BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hancock Whitney is falsely advertising a banking promotion at the following url, https :  //www.hancockwhitney.com/XXXX-XXXX   and in the email they sent to me. They claim that both the checking and money market accounts need to be opened in order to receive the {$500.00} bonus on the phone and in person, yet the website and email leads one to believe that only the checking account needs to be opened in addition to the direct deposit and time requirements to receive the {$500.00}. I opened an account on XX/XX/19 to get this {$500.00} bonus only to be told that the terms are different than advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2019 TransUnion LLC received ( 2 ) letters from me, a letter of dispute for unverified accounts and another letter to update my address. ( evidence attached ) I was informed by mail on XX/XX/2019 that another form of verification was needed to update my address on file. I contacted TransUnion by phone and was advised that my dispute investigation would not be halted however processing the address update would be delayed until certain documents were received. 

The week of XX/XX/2019, I received ( 2 ) dispute results with the issue date of XX/XX/2019. ( 1 ) letter was mailed on XX/XX/2019, the other mailed on XX/XX/2019. I contacted TransUnion and spoke with a XXXX then his superior XXXX regarding this violation. XXXX advised me that the investigation was completed on time and the correspondence was mailed out on XX/XX/XXXX & XX/XX/2019. I inquired with XXXX as to why both sets of communication had the issue date of XX/XX/XXXX if ( 1 ) of the reports were issued on XXXX XXXX. XXXX responded, " We have a different address on file for you than the one you verified at the beginning of the call. '' This doesn't make sense, I received communication from TransUnion once in XX/XX/2019 and twice in XX/XX/2019 at the address I provided. However, the notice they mailed on XX/XX/XXXX was mysteriously sent to a different address? Every document I sent to TransUnion included my name, social, date of birth, and ADDRESS at the top of the document along with an up-to-date license and current bill/bank statement with my address. How could the XX/XX/XXXX mail have possibly gone to a different address? 

After advising XXXX of these facts, she placed me on hold to review the documents sent in. Then, she informed me she could send me the results from XX/XX/XXXX today ( XX/XX/XXXX ). I told her, I already received those results twice, sent XX/XX/XXXX & XXXX ISSUED on XX/XX/2019. She then informed me that those are just copies of my credit report not the results of the investigation. So does that mean, I never really received my results because what I have is just a credit report and not the dispute results? But I thought the updated credit report should reflect the dispute results??? 

Either way as of today, XX/XX/2019 I have yet to receive my official dispute results per the conversation I had with XXXX this morning and TransUnion LLC is in violation of the federal law for non-compliance.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company 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 2023-05-09
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 FURTHER request that I dispute particular records on my credit file that do not belong to me, that I have signed any agreement, or that I have been the victim of identity theft and that no one appears to care. The data I'm disputing has nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. The following INCORRECT ADDRESSES should be removed. 
XXXX XXXX XXXX XXXX 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 2023-01-16
Company: Experian Information Solutions 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 have challenged the 100 % accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account and only XXXX has deleted the account... ..XXXX  and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the 2 year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amount reporting XXXX  is reporting {$1400.00} and experian is reporting {$0.00} ... both cant be accurate and therefore they are violating my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency 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 non-monetary relief
Consumer complaint received 2023-05-09
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, we were bought out of a small independent distribution business.Lets refer to it as company XXXX. The company was a sister company to another small independent distribution business, referred to as company XXXX. It was at this point the partnership in XXXX companies parted ways. My husband and I became 100 % owners in the sister company XXXX. XXXX companies were financed through XXXX. Prior to XXXX, we were financed by XXXX. The Commercial Lending Officer from XXXX Trust moved XXXX, and continued his role as our Commercial Lending Officer XXXX. When we were bought out of company XXXX, we were required to put our XXXX house up as collateral to continue the credit line for company XXXX. We did, with the intentions that we were going to sell it or possibly rent it out in time. As time progressed the economy took at toll on our company XXXX. We began scaling our operations down in XXXX through XXXX. In XXXX of XXXX, we listed our XXXX house for sale. It sold quickly, but it was at this time the problems with the banks began. The original mortgage on the property was with Chase and refinanced XX/XX/XXXX. XXXX, who I believed all along was 2nd lien holder to Chase, was now claiming 1st lien position. We were going to take the proceeds from the sale, payoff Chase & apply the balance to the notes XXXX. The balance would not have covered the balance due XXXX, But we offered to pay interest only on the balance until we got our finances in order. XXXX did not accept along with Chase not responding to any of our calls With business XXXX, officially closed on XXXX XXXX, XXXX & the workout plan we utilized to pay off our vendors in place, we spent most of our savings in legal fees, due to the standoff between XXXX & Chase. Not sure who is at fault here, ( sounds like a title search issue? ) Whichever, We would have liked to get some answers. We tried to do everything ethically, but for some reason it has been a wacky ride. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020, EQUIFAX MORTGAGE SOL add a hard inquiries on my credit reports per XXXX, Equifax and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On AXX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation