BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
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: Credit inquiries on your report that you don't recognize

Complaint:
went to buy a car and got about 100 inquiries from a dealership

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 2022-12-18
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 am a victim of identity theft. my personal information has been used without my consent. there are fraudulent accounts on my credit report that are not mine. these accounts are due to illegal acctivity. please block and remove these fraudulents accounts 1 ) Company or Organization : XXXX XXXX Account Number : XXXX Amount XXXX 2 ) Company or Organization XXXX XXXX XXXX account number Account Number : XXXX amount XXXX XXXX ) Company or Organization : XXXX XXXX Account Number : XXXX amount 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 2020-12-29
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2020 FOR MY WELLS FARGO MORTGAGE ACCOUNT. I'VE BEEN OVERWHELMED WITH MY PERSONAL LIFE WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND MY FIRST LATE PAYMENT, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2023-07-06
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of 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 2022-12-18
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-03-16
Company: EQUIFAX, INC.
State: TN
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:
I disputed this account due to inaccurate information reported. They investigated and stated that the information was accurate. Both XXXX and Equifax are reporting different information. It is my understanding that the bureaus are supposed to mirror each other when the account is listed on both. XXXX is showing a high balance of {$1200.00} and XXXX is showing a high balance of {$930.00}. Further more TU is showing XXXX as XX/XX/XXXX and XXXX as XX/XX/XXXX. They both are also showing a past due amount on a collection/ charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Advance America, Cash Advance Centers, 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:
Consumer Adjustment Company is reporting on my credit reports that I owe money to Advance America, {$250.00}. I have never received a phone call nor a letter from either the collector or AA. The collector told me the loan was taken out XX/XX/XXXX at XXXX # XXXX. I called AA corporate office and spoke with XXXX and she said there is no loan, nor has there ever been a loan taken out from me from any store. I applied, but did not receive the loan. I was denied a loan. In XXXX I was living in XXXX XXXX, SD. Store XXXX is in XXXX XXXX, SD. I haven't been to XXXX XXXX, SD in literally decades. The biggest part of this is that AA confirmed that due to the law changing surrounding the interest rates being capped in South Dakota, AA stopped doing business in South Dakota as a whole in XXXX. If they stopped doing business in South Dakota in XXXX, how could I have taken out a loan from a South Dakota store in XXXX? The collector also told me that AA wouldn't be able to find me in their system without an account number, which they never even gave to me. When I spoke with XXXX at AA, she said that's a boldface lie and that they keep records for up to 15 years. Another interesting fact is that the collection company also said they took over another loan from AA in the amount of {$750.00} ( or so ) and I have since been able to remove that from my credit report by myself. Now this one popped up. I am so angry and trying to clean up my credit and they keep putting things on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: RI
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:
XXXX XXXX Equifax XXXX to report my car loan as a closed loan. 

The loan is not closed and the vehicle was not repossessed. 

I have called both XXXX XXXX and Equifax. 

I have disputed it several times I call one and they tell me to call the other. No one will fix it. 

Both other reporting agencies report correctly The account number is XXXX I have paid and continue to pay the loan on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had internet services with XXXX at my home. Their costs kept going up without explanation and their late fees were too high! I am a Single working mother on XXXX and our insurance is XXXX. I found a much better deal with XXXX XXXX  and had them connect our internet on XX/XX/XXXX. The following day, I tried to call XXXX by phone to have it disconnected, but could not get through, so used their chat function. I told them I wanted it disconnected that day. The Customer Service Person kept trying to convince me to stay every time I said, " No, disconnect now, I already have a new provider. '' I had a feeling there was going to be a problem, so when they FINALLY agreed to disconnect, I took screen shots of the chat. I have attached them below. The Customer Service Agent said, OK, we will disconnect on XX/XX/XXXX, and prorate your bill. I don't know why they made me wait this long, probably because of their billing period. They also verified my email and phone number in the chat screen, proving it was my account. 

Unbeknownst to me, XXXX DID NOT close my Account, and continued charging me for 2 more months! They closed the account in XXXX due to " non-payment ''! This is now affecting my Credit Score, and it is not fair! I have asked XXXX Twice to look into this. I am going to send them documentation now and I also sent the collection agency the evidence I am attaching below. The first time was XXXX, XXXX, and they did not change anything. The 2nd time was today, XX/XX/XXXX, and I will be following up with written documentation and proof. 

I do not like XXXX. They are very pushy and untrustworthy. I only signed up with them initially because the previous owner where we lived had purchased the router so we wouldn't have to pay rental charges. With XXXX, there are no rental charges, so I am much better off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2021-11-11
Company: EQUIFAX, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to get this collection off my credit for years now. The CFPB has helped me once and it was only took off my XXXX report. I have filed a dispute with XXXX and they conducted an investigation regarding HUNTER WARFIELD and they had it deleted off my credit report along with the amount of {$3800.00}. The original creditor was XXXX XXXX XXXX  XXXX XXXX. I have also attempted to file a dispute with XXXX regard the collection but I can not get any help to have it deleted. Either the web site wont work or I keep getting transferred to different people. The issue has been going on with XXXX for approximately 3 weeks with no help. 

I should of never had a collection. I left the home with a $ XXXX. The CFPB along with XXXX conducted an investigation and deleted Hunter Warfield from XXXX and XXXX. It needs to be deleted from XXXX. I will not pay something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I disputed my account for not reporting paid in full months afterwards. It was then deleted off of my records and my name was removed from the joint account that was removed from 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 non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Has violated my rights. 
15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. Section 604 A Section 2. It also states a consumer reporting agency can not furnis 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 2022-09-16
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2018-03-30
Company: PMR Progressive, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PMR PROGRESSIVE is reporting an account on my credit that I do not own. This account from XXXX XXXX XXXX has NEVER been my account. I called them I was told because the account was " so old '' that they did not have any records of the account, yet they are currently reporting this account as an active collection.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a Direct Consolidation Loan from the Federal Department of Education serviced by XXXX in XX/XX/XXXX. The Direct Consolidation loan was approved by the end of XX/XX/XXXX, paid to Navient in XX/XX/XXXX, and Navient reduced my outstanding loan balances to {$0.00} as a result. Yet, FAFSA reports on its website that I actually borrowed over {$170000.00} in total borrowing when I only borrowed less than half that amount. The DOE Consolidation loan now serviced by XXXX was paid directly to Navient, not to me. My original loan balance with Navient from my original student loan consolidation loan in XXXX amounted to {$60000.00} in total borrowing, the rest is interest. According, FAFSA is reporting that I borrowed {$190000.00} in total and owe over {$170000.00} outstanding debt. This is both wrong and unjust. When I sent a complaint to FAFSA, I was ignored and nothing was done. 

My second complaint regards the handling of my original student loan consolidation in XX/XX/XXXX with Sallie Mae. I applied for a direct consolidation loan in XXXX with Sallie Mae. For unknown reasons, my direct consolidation loan turned out not to be through the Federal DOE, but was run through a commercial refinance ( private ) rather than through the Federal DOE. At no time in XXXX was I told that my Federal Consolidation Loan was not being consolidated through the federal government, but was being manipulated by Sallie Mae to private commercial interests. I have since learned that the CFPB sued Sallie Mae for fraudulent servicing practices, but I am not aware of how student borrowers such as myself who were misled by Sallie Mae into student loan consolidations that were privately held. In my case, according to DOE and XXXX, none of my prior XXXX  years of IBR payment history will be credited toward repayment of my student loans as a result of Sallie Mae 's fraudulent lending practices. I believe that similarly situated borrowers like myself should be provided with some avenue of relief from Sallie Mae 's deceptive lending practices. In my case, all of my loan payment history should be counted toward my repayment history of my student loans since XX/XX/XXXX. As thing now stand, my student loan debt will follow me until XXXX, according to XXXX. Since my degree was for graduate study, my loan should end in forgiveness after 25 years, not 39 years as things now stand. Thank you for any help you can provide. Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Lakeview Mortgage Bankers Corp.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am concerned with the approval process used by Lakeview Mortgage in Maryland. They provided my client for a conventional mortgage at $ XXXX. They provided a conventional pre approval letter as well. I submitted an offer for my client based on this approval letter and we went under contract. I provided the ratified contract to the lender and he then states he couldnt do the loan it needed to go FHA. He only provided me a conventional letter to help my buyer in her search. He actually had no intention to ever do a conventional loan for my client. My client can not go FHA and was banking on a conventional approval. We are now under contract struggling to get financing because of their negligence to properly approve my client. The loan officer stated hes been doing this often because FHA loans have been frowned upon in the market. I think its bad ethics to give a client a hope for an approval without providing the facts. Im not sure if this has happened to other people but it needs to be documented.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Convergent Resources, Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have two companies making sure this affects my credit on bad faith 1/ XXXX. I dont owe anything to XXXX reason I k ow is because Im with XXXX and theres no pending bal. I dont owe them anything like they said on the report that I do 2/ the other is with some credit bearue for XXXX XXXX. They are charging me for a bill I assume its a medical bill I have had insurance the whole time I should have not been charged I have tried to dispute that and havent received any response since the year they marked me for collections til today 2023. 
I want to demand that thoes get deleted off my credit since its nothing to do with me owning them anything. 
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