BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021, I contacted Experian to find out how to place a freeze on and remove a freeze from my credit report. I said I was going to cosign a loan so my granddaughter could purchase a car, and I asked when I should unfreeze my report. I was told I could do it when my granddaughter decided what car she wanted to buy. I was NOT told that it might take a couple hours for my report to unfreeze, so I should unfreeze it and have the car dealer wait a couple hours to check my credit. Therefore, what happened when we applied for a loan on XX/XX/2021, is that XXXX tried to check my credit but was unable to ; and then other financial institutions also tried to check my credit but also were unable to because if XXXX denies a loan, the system automatically goes to the next lender and the next lender and the next, until it gets to the end of the list of lenders. This has resulted in three hard inquiries being added to my credit report and my granddaughter 's, XXXX plus two others. If Experian had told me to wait a couple hours before allowing XXXX to check my credit, my loan would have been approved by XXXX - as it was when my credit was checked after the freeze was finally lifted a couple hours later - and it would not have been necessary for the other lenders to check our credit, and the only hard inquiry would be XXXX. It is Experian 's fault that these two extra inquiries are on our reports, not mine or my granddaughter 's. Also, XXXX did not warn us that if the system resulted in multiple lenders checking our credit, it could result in multiple hard inquiries being added to our credit reports. Had I known that the way XXXX does business could result in extra hard inquiries being placed on our credit reports, I would have gone to a different car dealer and not done business with 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 2022-09-24
Company: MOHELA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I originally submitted a dispute with XXXX based on an inaccurate balance in a credit report requested on XXXX XXXX XXXX (attached as XXXX Report XXXX XXXX. On page 49 of this report, my total balance for one of my student loans with XXXX was displaying as XXXX with a balance update date of XXXX. This amount was incorrect because I made a payment bringing my balance down on XXXX which was not being reflected by XXXX while it was being reflected by XXXX (proof of payment attached as XXXX Payment XXXX As of XXXX, my XXXX balance on this loan sequence became XXXX. I have a letter confirming this from XXXX (attached as XXXX XXXX XXXX Copy of XXXX letter.pdf). I filed a dispute Report XXXX with XXXX because of this discrepancy. Upon completion of the investigation, XXXX correctly updated the balance of the loan sequence to XXXX  on page 49 of my updated credit report (attached as XXXX Report XXXXXXXX). At the same time however, they added a comment on page 51 stating "Completed investigation of FCRA dispute - consumer disagrees." Based upon my Internet research, this appears to be a comment used when a customer disputes the reinvestigation of a dispute that is not in their outcome. This was never the case in this situation. As such, I believe the incorrect comment/compliance code was used in this situation and, unless correctly updated, is potentially disparaging of my character. On XXXX at approx. XXXX ET, I spoke via phone with XXXX from XXXX. During the call, XXXX  mentioned that the comment originated from XXXX  and there wasn't anything XXXX could do about it. He also mentioned that there is additional information in my credit report that I am unable to see as a consumer. I immediately followed up with XXXX XXXX and spoke with XXXX (employee ID XXXX at approx. XXXX ET. XXXX mentioned that she could not see any correspondence regarding my account since XXXX XXXX XXXX and that the last action on my account was the payment I made on XXXX XXXX XXXX. She mentioned that there was no record of submitting the comment/compliance code in question to XXXX She mentioned that there was nothing more XXXX XXXX could do and I would need to resolve this with XXXX I also inquired whether MOHELA would be able to assist as my account transferred on XXXX but I have been unable to reach MOHELA successfully due to systems not having my account information or excessive wait times to speak with a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

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 15 U.S.C 1681c. ( 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 convictions 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 relating to a consumer to any 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 2018-04-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Recently Citibank publicly stated they are no longer supporting businesses with loans and other financing related issues that are connected to or involved with the firearms industry, including companies that build firearms and accessories. Through the power that Citibank holds with their ability To destroy companies operating legally and manufacturing legal items, they are attempting to legislate through ( social ) virtue signaling rather than Congress legislating.

As Ciitibank owns a number of private companys credit card and credit card services such as Home Depot, XXXX and others, I firmly believe that their privacy policies need to include information that they are withholding and or no longer loaning or servicing businesses that are involved in the firearms industry. This is a direct infringement on the second amendment to our Constitution. Personally, I will no longer be using credit cards I hold for XXXX, Home Depot and any other businesses that are owned by Citibank. 
It is imperative that consumers understand that Citibank discriminates concerning the firearms industry so that those consumers can make the decision to do business or not with Citibank or any other businesses that are owned by, supported by or otherwise financially connected to Citibank.

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 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2021 ; I have filed numerous complaints regarding XXXX, XXXX, and Transunion unwillingness to DELETE erroneous activity found on my credit report. I am the victim of several data breaches, and have provided supporting documentation. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired!!!

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 2019-05-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. I called XX/XX/2019 to address the issue and instead of them correcting information that removed my correct name and information. 

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. 

XX/XX/2019 I submitted via certified mail and online dispute about inaccurate personal information and they continue to send copy of full report with no corrections made as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is XXXX XXXX, Formerly of XXXX XXXX XXXX XXXX MD XXXX We have made PHH/ Ocwen aware of the mortgage servicing law of 2013 on first and second mortgage on the same home.

Simply if the first mortgage is modified the second is mandatory. This did not happen with us and we spent four years trying to fix the issue.

I have contacted Ocwen with no response. Their attorney responds with the questions are untimely what does this mean?

I have contacted Ocwen and their attorney to start contacting me my phone as my cognitive reclinds with to many hours on a computer screen.

I have XXXX XXXX  and under the ADA act I would prefer phone contact.

I have phoned and texted the attorney for Ocwen and had no response.

If they do intend to contact me a simple response would help.

Disregard my complaint if this is a simple oversight from the attorney. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX is saying im late when i am not when i dispute they added another late mark showing XX/XX/XXXX late 30 days when my payment was due XX/XX/XXXX so im not 30 days late

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting that the lates be removed from my credit reports due to the inaccuracy of the reportings. Each credit bureau has a different reporting, some show payments were on time but another report shows 60days late for the same month and year. Also it shows 30, 60 then 120 days delinquent but what happened to 90?! ( Example on XXXX it shows late XXXX 30 days XXXX  60 days XXXX  120 days but on XXXX its current all XXXX except XXXX. ) T his is a clear violation of the Fair credit reporting act. Also it looks like combined information because my credit was pulled using XXXX XXXX  and there are two XXXX XXXX accounts with different account numbers opened on the same date, closed on the same date, same credit limits but different payment history. 
I also requested for this account to be closed and it wasnt closed resulting in fees and late fees. It was finally escalated in XX/XX/XXXX and closed after the complaint was handled by XXXX a member of management.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Dear CFPB, Transunion and XXXX XXXX I am writing to dispute the accuracy of the information that you have reported to my credit report, which I believe is in violation of the Fair Credit Reporting Act and my consumer rights. 

Firstly, I have noticed that XXXX XXXX has reported a debt on my credit report that is inaccurate. According to the Fair Credit Reporting Act, you have a duty to ensure that the information you report is accurate and up-to-date. However, the information you have reported is inaccurate, and I am requesting that you remove this information from my credit report immediately. 

Furthermore, I believe that Transunion has failed to properly investigate my dispute and take appropriate action to correct the inaccurate information reported by XXXX XXXX. The Fair Credit Reporting Act requires credit reporting agencies to conduct a reasonable investigation of disputes and correct any inaccurate information. However, I have not seen any evidence that Transunion has taken these necessary steps. 

In addition, I am concerned that XXXX XXXX and Transunion have violated my consumer rights by failing to provide me with the required notices and disclosures regarding the collection of this debt. Under the Fair Debt Collection Practices Act, consumers have the right to receive certain information regarding the collection of a debt, and failure to provide this information is a violation of my rights. 

Therefore, I request that you take immediate action to investigate and correct the inaccurate information reported by XXXX XXXX, as well as provide me with the required notices and disclosures regarding the collection of this debt. If you fail to take action, I will be forced to pursue legal remedies to protect my rights. 

Thank you for your attention to this matter. 

Sincerely, 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 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The accounts that I disputed wasn't fixed by the company at all. When I requested verification of the debts it came back verified when it wasn't verified by the creditor. How can it come back as verified with the credit bureaus when the creditors couldn't verify the debt and This inaccurate information on my credit is preventing me from purchasing a home and is effecting my true credit score. The credit bureaus went well over the 30 days multiple times and I feel like this should be resolved 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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account # 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 a account without my written instructions

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 2023-01-28
Company: LEXISNEXIS
State: PA
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 : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

If your company fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
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: Account information incorrect

Complaint:
On numerous occasion I have submitted disputes asking XXXX to correct the incorrect information they have listed on my credit report and to no avail they have refused to correct the information or investigate correctly!! I have contacted the creditor and they have sent me documentation that the account XXXX for the amount of {$72.00} has been paid in full! I have called I have sent documentation and they still will not correct the information Please assist in XXXX correcting this information as it is tanking my score lower and lower causing my financial stress!

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 2021-07-24
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: Account information incorrect

Complaint:
I disputed inaccurate and incomplete information regarding an account number. I also requested a description of the procedure used to determine the accuracy and completeness of the information from Equifax. I have not received it, and after 3 months Equifax is still reporting inaccurate and incomplete information. On XX/XX/2021 I received a response from Equifax stated the reinvestigation of a creditor was accurate. According to the FCRA, if I have requested how it was investigated, I am supposed to receive that information. 

XXXX  has been reporting companies on my file that violated the Hippa law and is reporting my medical information as proof of validation. 

XXXX, Equifax and XXXX  has inaccurate and incomplete information regarding account number. The numbers are covered with ****and according the to FRCA the account numbers should be full disclosure

Company response to consumer: Closed with explanation