BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2019-07-30
Company: Experian Information Solutions Inc.
State: MS
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:
The following companies ran unauthorized credit inquiry on my credit report. These are suspicious to me and needs to be deleted asap. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and 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 2023-09-30
Company: Experian Information Solutions Inc.
State: TX
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items 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 for 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My complaint id XXXX to HSBC.hk money laundry with XXXX is not processed until now XXXX, I pay my lawyer fee to XXXX XXXX XXXX XXXX, he promise to setup a virtual meeting for XXXX XXXX and XXXX with XXXX and not valid until now. XXXX XXXX have a XXXX XXXX no money to live and get medical treatment. I suspect XXXX XXXX and XXXX try to delay the virtual meeting to let XXXX XXXX XXXX, so they can get rid of me easy. 
I have to report this. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I am a federally protected consumer. I initially communicated with Experian XXXX XXXX in XX/XX/2022 via certified mail USPS in regards to entries appearing on my consumer credit report. Experian sent me an alert via the online app stating that my documents were being processed as a dispute. On XX/XX/2022 I received an additional alert stating that information was being updated. On XX/XX/2022 I mailed Experian a letter stating that I was requesting a complete investigation. I have enclosed letter that was mailed. Experian has continued to violate my rights, breach my privacy and identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Experian Information Solutions Inc.
State: SC
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 currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/XXXX that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies and to XXXX  CREDIT REPORT On Monday XX/XX/XXXX a certified letter was mailed out to XXXX and the first complaint was sent in on Saturday XX/XX/XXXX. As of Sunday XX/XX/XXXX I have yet to hear anything from XXXX. On Saturday, XX/XX/XXXX another certified letter was sent out to XXXX. And also followed by this new report here..

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 2022-07-07
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to have freedom mortgage to fix the paperwork on my mortgage to change the name I had gotten a divorce I had a divorce decree and a quick claim deed and still to this day I have not received the PaperWorks in the correct names this is that been going on for quite a while then Covid hit I lost my boss a job and had my son and his girlfriend living with me I fell on hard times I was told to the mortgage company that there was a full branch plan that I could get into and I could refinance my loan without any credit check which took my payment to {$480.00} then the program came out from XXXX XXXX I applied for that because at that time I was XXXX something behind on my mortgage then freedom mortgage had sent information to the XXXX HAS stating that I was not in behind on my mortgage that my payment was going to be pushed to the back of my line now for some reason or another they took me off of the for XXXX XXXX and my mortgage went up to XXXX and something dollars I have had nothing but problems with this company is trying to get the PaperWorks corrected signed notarized and sent back they keep saying every time I call they need this paper they need that paper then they say oh yeah well we found it here Ill submit it to them telling them in the underwriter department that it is here well still to this day I have no correct PaperWorks to sign and I dont know whats gon na go on as far as the XXXX program if I can get any help now because now XXXX and something dollars in the rears on my mortgage so I really need help with this company this mortgage company Freedom Mortgage has been nothing but headache after headache after headache each person I talk to gives me a different story different information and still some of them say they need this paperwork that paperwork and that they was also going to bring it to a supervisor I have yet to receive a phone call from any supervisor stating that the issue was fixed and I will be receiving the PaperWorks upon requesting an appointment with a notary so that the papers can get notarized

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 2019-06-18
Company: Critical Resolution Mediation LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I received a call from Critical Resolution Mediation LLC. I had an old XXXX card from XXXX. I settled with them at {$890.00} per month for 3 months. In XXXX I received a notice from Indiana Court I was being sued for this debt. I checked my bank account and nothing was pulled. I contacted XXXX  XXXX  XXXX about this and explained I had made arrangements for this to be settled, what should I do? The attorney I spoke with said he was going to sue me for {$8200.00}, I said the last I knew the original balance was about XXXX and some change. ( I'm not sure the debt was from XXXX ). I hung up on him, he was determined to get the {$8200.00} and nothing else. I then called Critical Resolution Mediation LLC back, and spoke to XXXX XXXX the person who this was initiated with. He said he didn't know why the funds were not pulled, but if I could add an additional XXXX then he could pull this out of legal, and it would be paid. I had to pay the whole amount at that time, actually had to take it to the XXXX bank and deposit it into the account, ( I checked the teller before depositing to make sure the account is what he said it was ). I received a settlement letter in my email. I knew there was a court date pending, and since I never received anything else from the courts I thought it was all taken care of. On XX/XX/19 I  received a judgement from the courts saying this attorney went ahead and sued, and was awarded a judgement to garnish my wages. I'm at a loss, I have all my documents except the XXXX statements. Please tell me what I can do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: OH
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 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The XXXX XXXX XXXX XXXXXXXX XXXX granted me a {$77.00} credit on my Fidelity CC that is serviced by U.S. Banks Elan Financial Services. The vendor processed the credit on XX/XX/2023 and has provided me with the credit slip and authorization # XXXX. I contact Elan at XXXX and they tell me the vendor has not sent the credit through. When I provide them with the authorization # they do not provide an answer as to why the credit has not been added to my account and they say it's a problem with XXXX XXXX credit card services provider. XXXX has been very helpful and they too are wondering what is going on. This appears on their online platform : XX/XX/2023 XXXX XXXX : XXXX XXXX XXXX - {$77.00} Pending XX/XX/2023 Amount {$77.00} Last 4 of card XXXX Type DEFAULTCREDIT

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 2022-07-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: MD
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 is repeatedly reporting inaccurate and late fees, over limit etc on my credit report - They were notified in XXXX that they were included in a XXXX  XXXX Bankruptcy and still send late notices, report inaccurate on my reports-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: AL
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:
Upon checking my consumer report. I see that there are numerous names address phone numbers and employers on me that I never lived at, employers, phone numbers that are not mines and names that i do not use. I have tried to work with your company to clear this up but your company is not budging in removing the inaccurate information. Also the number of inquiries that are on me is not valid. I never gave anyone permission to run my credit. I am a victim of identity theft and your company is putting information on me that are false

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
This is my various 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. 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. 
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 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good afternoon, I am creating a complaint against TransUnion, for ignoring my disputes resulting in inaccurate items on my credit report. I have looked up online how to dispute and what items I can have removed from my credit report. So I have created letters and sent them to Transunion with no result. I feel like my right as a consumer has been violated by Transunion because they aren't doing their job and investigating my letters. I know they make money from the number of items that are kept on a person 's credit report but not if it's false and harms my future to get approvals for more credit and lower interest rates that are not right at all. Instead, Transunion sent me this generic stalling letter which makes no sense when my letters are made by me. I don't know what else they want me to do come down there and have them watch me create the letter and hand deliver it to them. the dates that I have sent Transunions letter with no response or change to my credit score : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX over a year and nothing has changed this is completely unacceptable that they are treating me like this.

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 2023-05-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: SLM CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I filled out an application to open a money market online account, at Sallie Mae Bank. The site stated that it takes 5 days to process. I received an email on XX/XX/XXXX, stating that they were unable to approve my application. It stated that I could contact them at XXXX, SallieMae Customer Care. 
I called on XX/XX/XXXX and spoke to XXXX, who stated that she looked at my application, stated it will be sent to management for review for re-consideration. ( She told me that she looked at it and saw nothing wrong with it. ) She stated that I would hear back between 24-48 hours. 
I called again on XX/XX/XXXX and spoke to XXXX again, she said she would send it by email to her boss, also she stated that she was unable to pull up the documents, I did not receive any correspondence by phone or email from Sallie Mae. 
I called on XX/XX/XXXX and spoke with XXXX who stated my application was denied again, but could not offer an explanation. He stated I would get a call from a manager between 24-48 hours. I did not receive a call or an email. 
I called on XX/XX/XXXX and spoke to XXXX, and explained the situation. She stated that my application was " fraudulent. '' I asked her if I could a copy of my application and she said no. Then she said that they will not accept anymore applications from me. 

On XX/XX/XXXX I decided to apply for a money market at XXXXXXXX XXXX XXXX. I submitted my application and got a response right away stating that " we weren't able to approve your application. We can't accept your application because it didn't meet our requirements. '' We didn't make an inquiry to your credit report and appreciate your interest in XXXX XXXX. 
I called XXXX XXXX  and spoke to XXXX, letting her know about my unapproved application. She reviewed the requirements that were needed, I didn't hear any that I did not cover. She stated I would get a detailed explanation in 7 to 10 days by mail.. 

Due to XXXX XXXX  not accepting my application " immediately, '' I worry that my SS number or other personal information might have been " blacklisted? '' ( If there is such a thing ) I sincerely appreciate any help in this matter from the CFPB, to help me understand all of this. 
With sincerity, thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation