BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX XXXX XXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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 1681 c. ( 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 conviction 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2023-02-07
Company: Experian Information Solutions Inc.
State: WA
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:
While looking over my consumer report I noticed late payment reporting. According to the law, I am a consumer, and it is against the law for late payments to be shared on my consumer report. 

15USC 1681 ( 2 ) ( i ) states exclusion a credit report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15USC 1666b also states that if a open ended consumer credit plan provides a time within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge or penalties may not be imposed. 

XXXX also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

I am requesting and putting you on notice to please REMOVE ALL LATE PAYMENTS off my credit report this request is not made by anyone but myself or I will seek legal action against you I have already let you know of XXXX violations and know a lot more I can add and will be requesting {$1000.00} per violation if this matter isnt handled. 

Department of education 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 explanation
Consumer complaint received 2021-04-02
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I tried to obtain An installment loan and I met the requirements from the initial underwriter XXXX ..but as we got closer and closer to me signing the underwriters documents ... XXXX asked me to come in to give them documents that I could not receive as it was advertised on the news that transcripts/ taxes for 2020 are delayed .. I also had someone from the XXXX on the phone at the same time as XXXX explain that it was too early to provide transcripts ..I provided my tax returns from XXXX  and I underwriter claimed that wasnt enough.. 
Afterwards the underwriter asked me to clarify a car loan that reported on my credit report ..once I verified it she asked if my car note was lower which had nothing to do with my debt to income ratio recorded ..everything was fine until I sent in my id ... i feel XXXX discriminated against and its not right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: GA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Sensible Auto Lending, LLC
State: CT
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:
Have contact this company several times Ive never signed anything to apply for anything with his company. He agreed to remove it after verifying my true I did it and I would like to get all these inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted each company to informed them that I've been a victim of Identity theft and they directed me to touch base with the 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 explanation
Consumer complaint received 2021-02-11
Company: Forest Recovery Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I contacted XXXX regarding an unrecognized account on my credit report from FOREST RECOVERY SERVICES. XXXX  responded back to the dispute indicated they were able to verify the debt however Forest Recovery has never sent me any notifications under the Fair Debt Collection Practices Act ( FDCPA ) that I owe any debt nor did the status of the dispute update. It still a status date of XXXX which means XXXX never investigated and never provided any documentation with my signature on it to legally verify this debt is mines either. THIS IS A CLEAR VIOLATION OF FCRA. 

I did some research and learned the the XXXX XXXX XXXX XXXX died in XXXX. So they are attempting to collect on an account from a deceased doctor and that I have never did business with. 

THIS DEBT IS NOT MINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to XXXX5 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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: Their investigation did not fix an error on your report

Complaint:
My complaint is about Experian and XXXX XXXX XXXX and their inability to process accurate data as a result of disputes. 

Within the past 7 days, I have disputed an item in accurate credit item from XXXX on my credit report with Experian that was updated as accurate twice after I paid the balance in full. I provided documentation proving that this account was paid off over a month ago, but yet, Experian responds to my disputes within days indicating that the item has been updated on my credit report, still showing that I owe the company almost {$2000.00}. It is clear that Experian is not handling these disputes with efficacy. I do not believe a company could verify and/or update correct information regarding an active account within days. This seems like a shady business practice on Experian 's end. Company 's should not be allowed to report inaccurate information, especially when there is proof that the account has been legitimately closed! Is this even legal?

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 2022-08-09
Company: Experian Information Solutions Inc.
State: IL
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 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 am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors 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
Consumer complaint received 2023-09-12
Company: Experian Information Solutions 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report I did not authorize this inquiry. 

1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 2. XXXX Inquiry : XX/XX/XXXX 3. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 4. XXXX XXXX Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 6. XXXX Inquiry : XXXX. XXXX, XXXX 7. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 8. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 2023-05-25
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FEMA changed the flood category of our property in late XXXX. We were not informed of this change until we received a letter in early XXXX from Freedom Mortgage indicating that flood insurance was now required. We promptly complied and obtained a flood insurance policy in late XXXX which we paid for ourselves. 
Freedom Mortgage is now attempting to force us to pay escrow for flood insurance. 
My mortgage document specifies that the buyer will provide hazard insurance including flood insurance. Freedom Mortgage is the XXXX holder of the mortgage has no right to change its original terms. I have paid for the flood insurance in a timely manner and it is in force until XX/XX/XXXX. 
Freedom Mortgage is demanding {$390.00} per month ( or {$4700.00} per year ), but my flood insurance policy cost {$2000.00} per year. Thus they are trying to defraud me of {$2600.00} per year. 
Freedom Mortgage claims that there is an escrow deficit of {$2000.00}, but since we paid for the flood insurance, there is no deficit. 
I made the XXXX payment in the correct amount of {$800.00}. The check, which bore the note : " Principal and interest only. No escrow '', cleared my bank on XX/XX/XXXX and was obviously on time. Freedom Mortgage assessed a late fee of {$40.00}. In addition, Freedom Mortgage did not credit my account for the {$800.00} which I paid and they accepted. The {$800.00} does not appear on the monthly statement. Also, Freedom Mortgage now claims that this account is in default despite the fact that all payments have been made on time and in the correct amount. All of these of actions are out and out fraud.

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 2023-09-22
Company: Experian Information Solutions 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:
Experian : Has a past due account from XXXXXXXX XXXX that shows a delinquent status. I dispute the account and it was removed On XX/XX/2023 report. Experian then put the account back on my XXXX report. A direct violation 15 USC 1681. Experian also, failed to notify within the 15 day window as to why the account was put back onto my credit rep report. How was the investigation done. This is having a direct effect on my credit score.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXXXXXX XXXX account # XXXX has violated my rights XXXX XXXX XXXXXXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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 1681 c. ( 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 conviction 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX originated XXXX. There has been 7 years from the date of the first missed payments based on Tran Union investigation. XXXX XXXX loan XXXX ( 1 ) last payment received was XXXX XXXX XXXX XXXX ( 2 ) last payment received XX/XX/XXXX. XXXX XXXX loan XXXX ( 3 ) last payment was XX/XX/XXXXXXXX  r - Paid in full /was a charge off. Seven  years from the Date of the first missed payment for all three loans was XX/XX/XXXX. investigation shows payments were made, however this contradicts XXXX XXXX statement of XX/XX/XXXX. Request the XXXX XXXX loans be removed immediately from Trans Union/ XXXX/ credit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/XXXX. TransUnion/ XXXX stated the CRA accurate Patial acct # XXXX XXXX  shows : XXXX  XXXXXXXX  XXXX : OK XXXX ND XXXX ND XX/XX/XXXX 60 past due XX/XX/XXXX 90 past due XXXX- XXXX Charge off XXXX XXXX XXXX  Charge off Trans Union shows :XXXXXXXX  XXXX XXXX reports no data but says then shows delinquent/ inconsistent with what is report for same account to other CRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: CITIBANK, N.A.
State: VA
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:
My Citibank credit card was closed in around XX/XX/2018, XX/XX/2018 with credits from Citibank due to them mismanaging my credit card account the account was paid in full. They are report inaccurate information on my credit file I have reach out to them to adjust the inaccuracies they have not. 
they are showing numerous late payments on my credit file which is in the attached files along with the letter showing the account was satisfied on XX/XX/2018.

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