BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: SC
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 XXXX account XXXX XXXX XXXX, account number 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: JPMORGAN CHASE & CO.
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:
This credit card was my fathers card. He added me as a signor but I never applied for credit to be included on the account. I did not use the card. My father passed away XX/XX/XXXX. Since then they have tried to collect the debt from me and reported it on my credit. I have disputed this with all credit bureaus. After multiple times, Chase agreed to remove the information on my account. However in XX/XX/XXXXthey hit me again on my taxes with a cancellation of debt form 1099-C in the amount much less than what shows on credit report still in XX/XX/XXXX. 
Still to date, this shows as a negative closed unpaid account on my credit. How many times can they impact me negatively through my fathers card? Enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CASE # XXXX AGAIN ITS A VIOLATION, TRANSUNION HAD MORE THAN 60 DAYS BEFORE THIS COMPLAINT THEY NEVER REPLIED I HAVE PROOF OF ALL THE LETTERS I SENT SINCE XX/XX/2023 AND THEY SAID THEY WILL OPEN AN INVESTIGATION, NOW WE ARE IN XXXX NOW I DONT HAVE 60 DAYS IM TAKING THIS TO THE FCC, SECRETARY OF STATE.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
According to Transunion 's own website at XXXX XXXX XXXX they say, " If youre trying to pay down debt, shooting for under XXXX  % utilization is a good goal, but the lower the better. '' Yet, my XXXX  card debt went from XXXX XXXX XXXX XXXX  % - not even XXXX % - and Transunion took my score from XXXX to XXXX. This is ludricous. Why is the XXXX % suggested as a " good goal '' when they drop your score by nearly XXXX points for utilization of less than XXXX percent?? That's extremely misleading. How is that fair? I'd hate to see what happens to my score if I get to XXXX % utilization. 

It's gotten to the point with the credit reporting agencies that if you spend any amount on your credit card, they drop the score. That didn't used to be the case. That's not exactly motivation to even have a credit card, much less spend XXXX. Regardless, XXXX points is an unfair standard for the amount of utilization. I discovered this score drop from XXXX XXXX XXXX. I have never ever seen my score drop that much from credit use. The other reporting agencies certainly have never done this. This also happens to be my second complaint against Transunion in XXXX years.

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 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
All three Credit Bureaus. TransUnion, XXXX, and XXXX are reporting inaccurate information regarding my account with XXXX XXXX XXXX, XXXX. XXXX and account balance are inaccurate. 

Both XXXX and XXXX has responded, but TransUnion has not responded from last compliant on balance and XXXX reported. The balance of {$4900.00} is inaccurate and the XXXX is inaccurate. 

All information provided will be used along with this complaint against all three Bureau in legal action big not corrected ASAP. I'm a litious consumer. This is a violation of my consumer rights and has affected my credit report and credit utilization negatively.

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 2023-11-17
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date : XX/XX/2023 {$220.00} ( Not my debt ) Called XXXX, XXXX ( XXXX ) and was notified. I do not have a XXXX account Receive the letter from debt collection by Amercan Coradius International LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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: Personal information incorrect

Complaint:
There's incorrect personal information on 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 2022-12-19
Company: Open Dealer Exchange, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Agency, I am writing to bring to your attention a serious issue involving 700 CREDITXXXX XXXX XXXX and their unlawful violation of 15 U.S. Code 1681b, the Privacy Act of 1974. This law establishes a set of rules for how credit reporting agencies and other financial institutions can collect, use, and share an individual 's credit information. 

I recently discovered that 700 CREDITXXXX XXXX XXXX has forcibly placed an inquiry on my credit report without my consent. This is a clear violation of the Privacy Act of 1974, as the law requires that credit inquiries be made with the consent of the individual whose credit is being checked. 

I am requesting your assistance in addressing this issue and ensuring that 700 CREDITXXXX XXXX XXXX complies with the provisions of the Privacy Act of 1974. Specifically, I am requesting that 700 CREDITXXXX XXXX XXXX immediately remove the inquiry from my credit report and provide me with written confirmation that they have done so. 

I also request that 700 CREDITXXXX XXXX XXXX refrain from making any further inquiries or using my credit information without my consent. As a federally protected consumer, I am now opting out of any and all authorization. I, the consumer, may have given you written, unwritten, verbal, no-verbal per 15 U.S. Code 6802. I will report and make a list of demands on the CFPB site. I understand that this is a serious matter, and I expect a prompt and satisfactory resolution to this issue. If 700 CREDITXXXX XXXX XXXX does not take the necessary steps to address this issue, I reserve the right to take further legal action - federal lawsuit. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-28
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Rocket Mortgage, LLC
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: Reporting company used your report improperly

Complaint:
I spoke with a representative about the tax payment that was coming due. The person explained how Quicken Loans manages the process for the customer and what to expect. I asked him to let me speak with someone that could give the details of keeping the payment at the current level. I spoke with a person that gave me details of what would be the outcome of a refinance. I have explained to several persons that have been calling us from Quicken Loans for weeks to refinance the mortgage. We inform them that the mortgage was just refinanced last year and that we aren't interested in refinancing our mortgage. 

During the conversation on XX/XX/XXXX, the representative mentioned a payment of $ XXXX/mo. through a refinance process with no PMI involved. I told the person that sounds great but my wife and I would not be interested. Thanks for your help and have a good day. 

On Friday, XX/XX/XXXX, my wife reads me an email that I had yet to read from my inbox about a credit inquiry for a new loan, etc. We gave no one permission from Quicken Loans, didn't hear them ask if it is alright to check our credit, or didn't expect anyone to do a credit check. This is an invasion of our credit information for the sake of Quicken Loans trying to " churn '' the loan to make money through the number of fees, etc. that come from a mortgage closing process. We understand the business community in all areas is currently having a difficult time. But, thank God we have not missed any payments to any creditor. Please let Quicken Loans know we do not appreciate being used in any way to line the pockets of businesses that already have financial resources way beyond retired persons such as my wife and I. Please let them know this information on our credit report needs to be removed as it bears no merit. I, nor my wife was asked if our credit could be examined to qualify for any additional loan actions through Quicken Loans. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2023-07-09
Company: Experian Information Solutions Inc.
State: CA
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:
15 USC 1692g ( Validation of debt ) ... 15 USC 1692 ( Legal action by debt ) ... 15 USC 1692e ( False or misreading representations ) ... 1681s-2 ... Here are the accounts I would like to get Removed A.S.A.P ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... Since these companies are not the original creditors they can not validate the debt please delete A.S.A.P ... 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 2020-12-28
Company: Experian Information Solutions Inc.
State: CA
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:
inquiries i did not authorize. 

Experian Business Credit XXXX XXXX XXXX XXXX XXXX, CA XXXX This company checked my credit five times, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I did not authorize this. If I use Experian to check my credit on a normal basis, they never report it as a hard inquiry. 

NOT FAIR

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 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-10-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
My husband and I believe that we were victims of predatory mortgage scams under Wells Fargo.for our home we purchased in XXXX in XXXX XXXX XXXX 

Due to financial hardship in XXXX due to medical bills, we requested a payment arrangement and asked for lower interest rate. We were informed that our rate was fair market value for our neighbors. We found later that we were paying me on our property thsn homrs with almost 50 % mark up higher than our home When we relocated to Texas in XXXX, we were forced to foreclose

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 2022-12-19
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a 30-day late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 day late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate this illogical status. Otherwise, CORRECT this account ASAP. 

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