BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: Experian Information Solutions Inc.
State: NY
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 refuses to change the date that a old charge off is to be deleted from my credit report. They will not even look into it. XXXX  and XXXX  have fixed it. Nys law requires paid charge offs to be deleted after 5 years not 7. Experian refuses to do this with a paid XXXX charge off I have. Attached you will see the information I see.

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 2023-10-04
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:
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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-09
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: Information belongs to someone else

Complaint:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Conduent Incorporated
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Around the date of XXXX, XXXX I was having problems using my IOWA Way2Go Card. I spoke with a representative. He asked me about all my personal Information, Even asked for my social, Full name and my personal Phone number, I don't remember his name but he told me after I gave him my " Primary '' phone number on file ... That phone number was incorrect. So then he told me since he couldn't go in the system to fix that information. I would have to Send him a Picture of the front and back of my " ID '' with what type of prepaid card I have And also send my case number XXXX he gave me. So I sent all that information to the e-mail " XXXX '' The representative told me once I send that information I should be expecting a email " VERIFICATION '' awaring me to wait over 24hrs or 48 business hours to see If my information have been expected or not. It has been over 48hours I haven't heard from any representative or The Fraud Services. I would just like to get the right information and know what are the next steps and what activities are going on with my account. 

Thankyou, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is in response to CFPB complaint XXXX with Transunion. I asked for you to remove an account from my credit report and you instead updated it. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX XXXX XXXX ( Original Creditor : 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 2023-03-05
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My federal student loans were consolidated into a direct loan in XX/XX/XXXX. They were serviced by the now XXXX XXXX. In XXXX they were then transferred to mohela. Mohela seems to have lost any and all records of my payment history prior to them taking over servicing of the loan. These missing payments have caused me to lose out on a significant refund on my student loan payments as part of the tepslf program. I've tried numerous times to get this information and they tell me there is nothing more to do. I've reached out to Ombudsmen, my congressman and other servicers and this problem still persists. I've been working on getting answers for nearly a year but no one can answer my question, where is the verification of my payments? Please help or direct me to someone who can! Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 writing to request an investigation of my credit report that I received recently. I have identified some accounts that require further explanation and clarification to ensure their accuracy. I am not implying any wrongdoing on the part of the creditors, but I need to understand the details of these accounts better. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that the XXXX XXXX # XXXX has violated my rights. Section 602 A of the FCRA states that I have the right to privacy. Additionally, Section 604 A Section 2 of the FCRA states that a consumer reporting agency can not furnish an account without my written instructions. 

Therefore, I request that you investigate the following accounts on my credit report and provide me with a detailed report of your findings : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I understand that you have 30 days to complete the investigation as per the FCRA guidelines. I would appreciate it if you could respond to me with the results of the investigation within this time frame. 

Thank you for your cooperation in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: Risecredit, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is paid. In full. Never received anything from a collections company as it states on my credit report Collections/ Charge off. I took out a {$800.00} loan for XXXX and paid it off. I was not notified about collections or anything. And even sent emails to apply again for another loan so I am confused here. Not sure why this negative remark is on my report. And this is the only thing stopping me from A morgage is a old loan in 2016 for {$800.00} when I was a single mom to help with XXXX and paid back this loan with tons of interest all to get a negative remark. Pretty frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: CA
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:
Hello my name is XXXX XXXX. I am requesting that the items i have uploaded circled in red to be removed from my report as they are older than the statute of limitations of 7 years. The account in question is 9 years old and is too old to be reflected on my report. My other reports have removed this item and I am requesting this item to match all 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 explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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. I am begging you to update my account as soon as possible.

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 2015-09-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, I filed a loan modification with my primary home mortgage lender, Aurora Loan Services LLC. They have since changed their name to Nationstar Mortgage. ( I have XXXX loan with Nationstar and smaller mortgage loan with XXXX Lender for the same house ) I was XXXX of those homeowners that signed a balloon home loan agreement back in XXXX. I did n't realize before I signed the loan modification documents, but on the schedule of payments table it shows that in the year XXXX I have to pay a one-time payment of {$180000.00} in interest. I believe this is absolutely absurd, because if I had the money to pay the mortgage payment, I would 've never asked for a loan modification. Instead they lumped up the mortgage payment at the end of my loan agreement and in XXXX I will still not have the {$180000.00} lump sum they are going to come after. ( Please see page XXXX of the Aurora loan modification documents I have scanned and attached for that table ). Keep in mind that there are XXXX difference loan numbers. The loan number I had with Aurora Loans used to be # XXXX. When the loan was transferred to Nationstar, my loan number changed to : # XXXX. I read in the XXXX magazine this year that consumerfinance.gov put penalties on Aurora for doing bad business with other homeowners and I 'm wondering if I qualify as XXXX of those homeowners, but they slipped through the cracks with my loan because Aurora was able to transfer my loan over to another name ( Nationstar ). Please help me look into this, because I think it is wrong on so many levels. Please assist me with getting Nationstar to rectify my loan modification agreement and take out that last payment of {$180000.00}. I 'm XXXX with XXXX income. Please, I do n't know what else to do, and I 'm desperate for any assistance or advice I can get. I appreciate your help. 
Homeowner, XXXX XXXX, ( XXXX ) XXXXcellAttachments : Loan Modification with Aurora - XXXX XXXX, XX/XX/XXXXNationstar Statement - XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-18
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
XX/XX/2020,, Continued,, Issues,, Called Wells Fargo Bank For Personal Loan For Rental Assistance And Ect,, Spoken With Mr XXXX XXXX At XXXX : XXXX,, Banker Teller,, Supervisor,, Still Didn't Help Me With Matter He Give Me Alot Opinions,, But Didn't Help at All,, What Kind Of Banking Business Is This If They Can't Help Loyal Customers At a Time Of Need,,, ( Covid19 ),, This Bank Is Still Messy ,, They Really Do Need The CLEAN ) ) This Bank Up, Quickly,, I'm So Disappointed With 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 explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents 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 non-monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2022, I downloaded the consumer report that Experian has on me after I was denied credit due to defamatory items that Experian has reported on me. The report is identified by Experian 's Report # XXXX. After reading my consumer report in full, I utilized the listed resources that regulate consumer protections from the report to educate myself on the laws that were created to protect misinformed and abused consumers like myself. I never gave authorization or consent to Experian to have, use or disclose any of my personal, private, or personally identifiable financial information. I've contacted Experian on multiple occasions to have these defamatory items removed from my consumer report, as this information is continuously causing me harm, financially, and emotionally, but they've yet to remove these items. If these unauthorized items remain on my consumer report after this complaint is finalized, I will have no other choice but to file suit for defamation of my character, credit reputation, damages for FCRA violations, and criminal complaints for willful invasion of 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 2019-08-08
Company: CREDIT WORLD SERVICES, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my information to open an account with XXXX XXXX XXXX XXXX.I filed a police report on the matter. Credit World Service is now reporting the account on my XXXX   Credit Report under account XXXX for {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX credit card account ( account number XXXX ) was targeted by fraudsters who made unauthorized charges totaling {$300.00}. I took immediate action upon discovering the fraudulent charges by contacting XXXX XXXX  XXXXXXXX XXXX  customer service to report the incident. However, to my dismay, they refused to remove the fraudulent charges from my account, leaving me responsible for the financial burden. 

The impact of this identity theft has been severe. Not only did it result in the tanking of my credit score, but I also had to bear the cost of paying off the fraudulent charges in order to close the account. Despite my relentless efforts, including writing multiple letters to the credit bureaus to dispute this fraudulent account, no proper investigation was conducted, and the account remains on my credit report to this day. 

The frustration I feel is overwhelming. Not only did I suffer financial losses due to this incident, but the charged-off account associated with the identity theft has had a devastating effect on my credit score. It is deeply unfair that I am forced to endure the consequences of someone else 's fraudulent actions and subsequently face the arduous task of rectifying this situation.

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 2017-08-07
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was informed by Credit Acceptance of a late payment being 30 days late, now past 60. I payed off my loan last month. They neglected to tell me, that a payment was returned in XXXX of 2015, until now. They now reported it to the credit bureaus with out ever letting me know, or giving me a chance to fix it. I called them to clear it up, but they wo n't take it off my credit report, nor help me in anyway. I also never missed any other payment.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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