BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: LA
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:
I am XXXX XXXX XXXX and I have updated information about these unknown inaccurate accounts, and addresses on my credit reports. I have been reaching out to these companies since XX/XX/2023 requesting verification on these inaccurate unknown accounts, but these companies have ignored my request and continue to violate me as a consumer and violate the FCRA every month. These companies are not supposed to report on my behalf without my written consent and before they report they are to investigate to make sure that the information to be reported is 100 % accurate per the FCRA LAWS. The information uploaded is showing proof where these companies are all reporting different inaccurate unknown information and each month updating old accounts withe new information monthly that is damaging my credit every month which is illegal. I have been denied credit due this unfair treatment and I demand this information be deleted and updated 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 non-monetary relief
Consumer complaint received 2022-03-24
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold to Mr. Cooper with the terms that we would not be paying escrow on our city taxes ; escrow would only be for our flood insurance. When transferred to Mr. Cooper, they added the city and flood insurance escrow cost. They took our escrow funds and paid our quarterly city taxes which reduced our escrow account ; we put a request in right away to fix this issue as we had also paid our city taxes ( and are still waiting to get that check refunded from the city ). They declined the request without contacting us and only found out about the decline after we called back to find out why the escrow wasn't resolved. After a 3 hour hold we were escalated and told that the analysis came back and we were actually able to remove all escrow from our mortgage and that it would be completed within the week. It has now been a week later and the escrow is showing a shortage and we are now being asked to pay {$500.00} more on our mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
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:
Companys have failed to to remove all negative accounts on credit report after receiving official notice and deleting items in 4 days as stated in title 15 usc 1681c-2

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive been trying to correct incorrect reporting on my bureaus showing that I have filed a bankruptcy. TransUnion advised that their verification source is XXXX XXXX  XXXX Michigan and provided address. I then reached out to the courthouse directly asking if they verified as transunion stated in dispute results. They sent a letter back advising that they do not share bankruptcy filing info with with bureaus. This is a clear violation of FCRA and Im requesting that they remove this item from my bureaus 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 non-monetary relief
Consumer complaint received 2018-08-21
Company: Diversified Adjustment Service, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was sent into collections for i guess a XXXX account opened in XXXX i do not live their and havent lived their in 6 years i live in XXXX i know who i think did this and i have reported to police and federal trade comission. also i have froze all my credit reports. i am having no success in having this removed from my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Bank of America is showing and Inquiry on my credit profile and I didnt apply for any card. XXXX on XX/XX/XXXX and XX/XX/XXXX and XXXX on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.

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 2020-03-15
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 have tried to correct this issue with the bureaus and they refuse to correct this inaccurate account. I have filed the attached complaint with the Federal Trade Commission. Please see attached.

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 2020-03-15
Company: DISCOVER BANK
State: IL
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:
Thank you for your time in reading this complaint. 

I have maintained a Discover Card account since XX/XX/XXXX. I have never had a missed payment. I experienced a hospitalization due to emergency XXXX at the beginning of XX/XX/XXXX and was out of the country for the last ten days of XX/XX/XXXX and the first six days of XX/XX/XXXX. 

Discover maintains that I did not make an autopayment and this is showing as a 30-day late payment on my credit report. I had no knowledge of a missed payment as I received confirmation of each payment. I called Discover on or about XX/XX/XXXX upon returning to the country when I went online to view my payment history and learned that autopayments had not been made even though my payment history on their online portal reflects that the payments were made ( Ex. 1 ). 

I made an online payment for {$340.00} on XX/XX/XXXX and Discover sent me confirmation that the payment was made ( Ex. 2 ). I assumed that the payment was made and that I had no late payments but, unbeknownst to me, Discover never actually debited my bank account even though they sent me the confirmation set forth in Ex. 2. I then made an additional payment on XX/XX/XXXX ( Ex. 3 ). 

I viewed my credit report on XX/XX/XXXX and learned that Discover shows that I have a missed payment. This would never have happened had Discover not sent me an email confirmation that the XX/XX/XXXX payment was made ( Ex. 2 ). I have signed up for paperless statements and expect to receive all notifications regarding my account through email or alerts on my account. I never received any email, account notification or regular mail alerting me that the fund were not actually withdrawn from my account. I relied on their email confirmation and assumed that the amount was paid this was not an autopayment, this was me proactively going online, entering bank account information and making a payment. 
I now have a missed payment on my credit report for the first time. This has caused my credit score to plummet by 60+ points overnight and will have drastic impacts on my life. I would never have experienced this had Discover actually drawn down the funds they confirmed they drew. I relied on this confirmation, was never provided with notice that this was not true, and have suffered harm because of this. 

I have one simple request that Discover have this late payment removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # 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 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 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. 
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 2023-09-04
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:
I am writing to formally dispute and request corrections for inaccuracies on my Experian credit report, which I initially reported to Experian on XX/XX/XXXX. Despite the passage of time, Experian has not responded or taken action to address these issues. The following details the erroneous information and the necessary corrections : XXXXXXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ) Incorrect Balance : I dispute the reported balance of {$800.00}, as I recall the amount being lower. 
Past Due Reporting : Please remove the Past Due amount as this account is closed and charged-off. 
Dispute Marker : I request that you mark this account as disputed to prevent further XXXX XXXX impact. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) Incorrect Creditor : The original creditor for this account is not the one listed ( XXXX XXXX  ). 
Balance Discrepancy : The reported balance of {$270.00} is higher than my understanding. I dispute this balance. 
Date Verification : I request verification of Date Opened and Date of First Delinquency. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ) Incorrect Creditor : The original creditor is XXXXXXXX XXXX XXXX XXXX XXXX not XXXX. 
Inflated Balance : The reported balance of {$2100.00} is inaccurate, and I dispute this amount. 
Date Verification : Please verify Date Opened and Date of First Delinquency. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$760.00} ) Unknown Collection Agency : I do not recognize the reported collection agency as I have no contract with them. 
XXXX XXXX : The reported balance of {$760.00} is disputed as I believe it should be lower. 
High Balance Discrepancy : The reported balance is higher than the High Balance, indicating an error. 
Date Verification : Please verify Date Opened and Date of First Delinquency. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) Inflated Balance : I dispute the reported balance of {$270.00}, as I believe I owe a lower amount. 
Past Due Reporting : Please remove the Past Due amount as this account is closed and charged-off.

Direct Contact : I intend to contact the creditor to resolve this issue and request that this account be marked as disputed.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have iI have identified information on all of my credit reports that is a result of identity theft. These items are not related to any transactions completed by me. I did not authorize the reporting of the following accounts : 1. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX The consumer reporting agency violates the following codified federal law : 15 U.S. Code 1681b. The consumer reporting agency does not qualify to furnish a consumer report under the circumstances mentioned in this law.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
I noticed on my credit report I have a high number of inquiries. I never authorized these inquiries. I contacted Transunion immediately, they said they had to do an investigation and that it may take 30 days. I am past 45 days and still haven't heard anything or received any proof. I ask that the following inquiries below 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 XXXX 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 2023-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Bread Financial Holdings, Inc.
State: GA
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:
I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent account persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate account continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent account impacting my credit history. I kindly request that COMENITYBANK/KAY conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a credit card account with XXXX. I got behind on the payments because I was paying my winter gas bills. I received a statement from XXXX showing the debt was charged off. Then I received a letter from the Jefferson Capital collection agency requesting payment. I e-mailed them a settlement offer. They refused the offer. 

I received a collection letter. They want 90 % of the balance {$890.00} payed in 30 days. I already told them I live on limited income. I am willing to settle for at least 75 % of the balance payable in at least 10 monthly payments starting in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-03-24
Company: Experian Information Solutions 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:
Dear Sir or Madam : I am a victim of identity theft. Due to Identity Theft, Fradulent Accounts, Fradulent Collections and Fradulent Inquiries are on my credit report. 

I sent the following documents to XXXX, EXPerian and XXXX : Police Report, FTC Complaint file and number, Notatrized FTC affidavit form, FTC Letter addressing which fradulent accounts and Fradulent inquiries must be removed, copy of my credit report, 2 forms of identity, proof of address and a Copy of the FCRA Section 605B! 

I have submitted documents to Experian. here is the tracking number XXXX I have submitted Documents to XXXX. here is the tracking number XXXX i have submitted documents to XXXX here is the tracking number XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Experian Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 endeavor 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 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$0.00} ; 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