BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTOR KEPT CALLING ME ON TWO CELLS 4 TIMES FOR XXXX XXXX CALLS FROM XXXX XXXX XXXX, I NOW hae 11 screens shots for both XXXX AND XXXX, SETTLE {$1500.00} PER CA ; LL OUT OF COURT.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My 84 yo mother signed up for Experian in XXXX due to having info stolen and fraudulent activity on her account. After a few months she called to cancel her Experian membership. Then a few months later again to no resolve. In the coming months she had some serious health issues and I ( her daughter ) started helping her with tasks that she could no longer handle. While helping her with her online banking, in XXXX, my husband and I noticed that there were a number of services being drafted from her account. I contacted Experian on her behalf and requested it be cancelled again. It was not cancelled and I was rudely hung up on twice after asking to be transferred to a supervisor or an agent who could help us finally stop the charges. We are now in the middle of XX/XX/XXXX and have been told again that it will be cancelled. We have been unable to reach anyone in the company who can assist us with filing a complaint and were hung up on again by a phone operator.

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 2018-10-08
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My situation dates back many years to dealings with both Regions Bank and XXXX before the merger. We ( myself, my brother, and my first cousin ) had a number of personal and business loans with these banks. All of these were handled in a satisfactory manner and we paid those loans in accordance with the agreed upon terms. 

In XXXX we were reworking and renewing most of our loans. Our loan officer at the time, XXXX XXXX, recommended different loan structures that he said would best fit our needs. Having always had a good relationship with our lenders ( who we considered our business partners ) we went along with his recommendations. I was later told by a person no longer with Regions that loan officers had an incentive to promote certain types of loan structures because it led to significant bonuses for the loan officers and to their superiors. 

I recall specifically that we were rushed to sign many of these documents at the end of XXXX in XXXX, just before the quarter end. Mr. XXXX drove to XXXX to meet us to complete the loan documents. I now believe that this was in part to book those loans prior to the 2nd quarter end. In particular, a large amount of the loan volume was tied to an " interest rate swap '' that later proved to be very problematic. 

In any event, we paid those loans as agreed and continued to do so until some of the loans matured. At that time we had assumed that the loans would be renewed on the same or similar terms as before since we had performed in accordance with the loan terms. Instead, the loans that matured were called due and were told to pay off Regions " or else. '' Thankfully we were able to refinance those loans and paid Regions in XX/XX/XXXX. Even the loans that were being paid on a monthly basis and that had NOT matured were accelerated due to the other loans having matured and not being paid off. In effect, Regions forced us to pay off loans that were current, and those were the loans with the penalties associated with the interest rate swap. 

During this same time period I had a personal loan that had to be renewed. It was handled in much the same manner as the business loans, but it was ultimately renewed. However, the terms were unfavorable and that was due in large part to the negative effect on my credit which had been damaged by Regions handling of my various loans. 

That personal loan has matured and I am once again in a conflict with Regions about refinancing that loan. That situation is the primary impetus for the filing of this complaint. I have attached copies of various communication which I have had with Regions in support of this complaint. I very much appreciate the opportunity to present this information to 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 2020-08-07
Company: Experian Information Solutions Inc.
State: OH
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX and XXXX all have been inaccurately reporting inaccurate info on my credit reports from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Several attempts to have them fix the have been made and collectively they all have replied similarly : " the info on your credit report is accurate and been verified ''. The fact that these XXXX companies along with the XXXX credit bureaus have reported inaccuracies for the past XXXX years has cost me and my family greatly and they have no shame about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: LA
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:
Im completely unaware and have NO KNOWLEDGE of any of theHard Inquiries 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 2022-12-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that under the FCRA XXXX XXXX ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Company: MOHELA
State: MI
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:
On XX/XX/XXXX Mohela auto-deducted a payment of {$580.00}. This is much higher than I was expecting. I am on the XXXX plan and I believe this payment is incorrect. It is hundreds of dollars higher than the FSA Loan Simulator estimated. Further, my account on the Mohela site lists a " tier XXXX '' payment of this amount for XXXX XXXX XXXX but then a " tier XXXX '' payment in the amount of {$230.00} starting in XX/XX/XXXX. There is no explanation of what these " tiers '' are, how these payments were calculated, or why my payment amount on each tier is so different. FSA and Studentaid.gov have no information about " tiers. '' I messaged Mohela on XX/XX/XXXX to inquire about these questions and received an auto-generated reply saying that I would get a response within three business days. I never received that response. 

On XX/XX/XXXX, Mohela again deducted a payment of {$580.00}, which I continue to believe is too high, based on the FSA Loan Simulator estimate and my own XXXX  plan calculations. I tried calling but had to give up because the wait time was long and I had to go to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax credit report is incorrect and has already been disputed and still not updated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: MD
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX, XXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX  Account Number XXXX Account Name DEPT OF EDUCATIONXXXX  Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
It has recently come to my attention that an auto loan was opened in my name. A while back I received a letter from XXXX XXXX XXXX stating that I had a balance owned of {$8700.00}. This I have never had an auto loan with XXXX XXXX auto so this took me by surprise. The following info is all of the specifics of the fraud as appears on my credit report. 
Experian Credit Report # XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/2015 Balance : ( {$8700.00} ) I have since filed a report with the FTC and have attached it to this complaint. The FTC Identity theft report number is XXXX. 
I have provided a written statement on the Identity theft report and also attached a picture of my drivers license and tax documents for verification. I would like the CFPB to investigate and remove this fraudulent item.

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 2024-01-09
Company: First Advantage LNS 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX National Credit Audit Co XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Account # : XXXX Dear National Credit Audit, I am writing this in response to your recent correspondence related to account # XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I can offer a settlement amount of {$2500.00} in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 
You agree to not list this debt as a paid collection or settled account. 
You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 
I am willing to pay the amount of {$2500.00} as settlement for this debt in exchange for your agreement to the above terms within XXXX calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. This debt has not only affected my credit, but has affected my livelihood and residence for my family and I. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay {$2500.00} electronically. 
If I do not receive your response to this offer within 30 calendar days from the date of this letter, I will rescind this offer and it will no longer be valid. 
I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting on my credit report as a charge off, and that is inaccurate information. I did not get sued and I do not have a judgment on this debt. Californias statute of limitations on debt is 4 years, per the states Code of Civil Procedure 337. I want this account to be removed from all 3 credit bureaus.

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