BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-15
Company: Lending Club Corp
State: AZ
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:
On or about XX/XX/2021, The LENDING CLUB reported me as having a LATE payment. I was on a deferred status due to covid-19 and there was a lot of confusion on the terms of this deferred status. I contact LENDING CLUB and inquired about why they reported me as late. I was told by a representative that there should not have been a late payment reported to the credit bureau as ALL MY PREVIOUS PAYMENTS have been on time and reported on time as it should be. This was supposed to have been 'escalated ' and a manager call me back or email me. No one has responded. I reached out to LENDING CLUB again today XX/XX/2021 and a representative said the problem was resolved and they will NOT be removing the error to my credit report. NO ONE REACHED OUT TO ME. I asked for a re-review of this and I am requesting this negative mark be removed IMMEDIATELY FROM MY CREDIT REPORT! This has impacted my life negatively and also any prospect of me securing a loan to move. The CARES act was not followed accordingly by LENDING CLUB and i want an investigation to be opened on my behalf. LENDING CLUB is not following regulatory and compliance guidelines. I am requesting resolution and my credit report to reflect my payments have all been timely. Please remove this negative reporting from my credit immediately. I have paid all payments ON TIME EVEN ALL THE DEFERRED PAYMENTS LENDING CLUB HAS REQUESTED I PAY UPFRONT. I now believe I have been discriminated against as a woman and a woman of XXXX  background. I am also a woman of a small minority owned business and I have been affected by the covid-19 pandemic to which this has cause great physical, emotional and economic suffering to me and my family. LENDING CLUB has violated the law and this needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$710000.00}. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history. I want to bring to your notice that XXXX has already addressed and corrected this issue by removing the account from their records. They acknowledged the presence of an error and promptly rectified it. I am perplexed as to how this discrepancy has not been similarly resolved by your bureau.

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 2023-10-02
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
Kindly update my account this causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
I am requesting again in regard 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, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the 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

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 2023-06-09
Company: Experian Information Solutions Inc.
State: WI
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. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( 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 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 2023-04-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

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 2022-08-28
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:
This report that is being filed is NOT a duplicate and is not filed by a 3rd party. I, XXXX XXXX XXXX am filing this report. In Accordance with the Fair Credit Reporting Act XXXX these accounts below 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 a account without my written instructions. XXXX. Account XXXX : XXXX XXXX Account XXXX XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # 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 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$820.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$760.00}

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 called transunion, XXXX, and XXXX to remove XXXX inquiries that were put on my report, by law when you are looking to purchase a vehicle you have a 30 day window to shop without getting hit with a ton of inquiries, instead it shall only be XXXX inquiry for that auto loan. I expressed that there were incorrect and missing information on my report and the agent simply refused to remove these inquiries or remove the incorrect, not updated accounts. The auto loan itself isnt even reporting to transunion but does show up on my XXXX report. 

I was a victim of identity theft in 2019 and I was part of a police investigation in XXXX XXXXXXXX and the police did find the person but Ive been attempting to fix my credit since. 

There is also incorrect, not updated information on a bankruptcy on my report and its showing accounts and balances still owed that were included. I have mailed certified letters multiple times with no response. I have proof of the multiple contact attempts.

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 2020-09-27
Company: Medical-Commercial Audit Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX of XXXX XXXX, MO is reporting to XXXX, and by means of a collection agency Medical Commercial Audit Inc, is attempting to collect an alleged balance of {$200.00}. According to XXXX, the date the alleged debt was incurred was XX/XX/2015, but I have no visit to XXXX XXXX XXXX XXXX on that date, and the credit bureau has not responded to my complaint. 

1. XXXX XXXX XXXXXXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. Medical Commercial Audit Inc have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. Medical Commercial Audit Inc have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX XXXX XXXX XXXX  ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. XXXX has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
On XXXX I submitted a letter to Equifax information services LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023, I was on the phone for more than one hour but I did speak to a representative. I requested a forebearance or deferment for some of my loans. I also requested a change in due dates. By the end of that call, those two requests were approved. 

I paid what I was told would be the new monthly payment on XX/XX/2023. My online account was never updated. Now, it shows that I am past due on the XXXX payment. 

I have tried on multiple occasions to reach someone by phone and I never get through. I have requested call backs and I have sat on hold for over an hour on at least 2 occasions. I have also sent messages through my account. I am not getting any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have tried for over 3 month to log into Trans Union to file a dispute but I get an error message that the say 's Were sorry ; this site 's dispute functionality is not available at this time. Please wait at least an hour and try again. I have attached this to my file. 
I need to dispute the following accounts that are not my accounts, XXXX XXXX Trans Union RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have included the negative accounts below. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion Derogatory Accounts ( 4 ) Not my account XXXX XXXX Other Loan Past due : {$820.00} Collection/ Chargeoff XXXX XXXX XXXX Not my account Other Loan Past due : {$500.00} ChargeOff XXXX   Not my account Credit Card Past due : {$0.00} ChargeOff XXXX XXXX Not my account Other Loan Past due : {$130.00} Collection/ Chargeoff According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I turned in my XXXX auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this XXXX Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from XXXX or the XXXX dealer suggesting otherwise. 
It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from XXXXXXXX XXXX XXXX that would support this phantom fee of {$760.00}. 
What exactly is the fee for? 
Documents or photos that may support whatever XXXX claims this fee is for?

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 2023-06-09
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 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 accounts ( A ). It is not permitted to report these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation