BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After I got my credit report, I reached out and asked the credit bureaus to check to make sure all information reporting was complete and accurate according to 15 USC 1681i. 

I waited 30 days and never got any kind of response and here is my tracking number : XXXX XXXX XXXX XXXX XXXX. It's now been more than 30 days since then. 

Another thing that troubles me is that they didn't even record the current status of the disputed information! 

This is very aggravating because I now take care of my household and my mother 's household since she's sick now and Transunion has been holding me back from obtaining a vehicle to get my mother where she needs to go because according to the law Transunion is doing its job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX XXXX. Experian credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.

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 2023-12-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/ I booked a reservation for lodging with the XXXX XXXX XXXX, one in XXXX XXXX, AR. Once booked, I discovered that the entity that I was dealing with was a fraudulent company, charging fees 50 % over the initial lodging charge. I immediately cancelled this reservation with hotelvalues.com, receiving confirmation thereof. However, the charge totalling {$310.00} ( of which {$110.00} was a mysterious " service '' fee never assessed with a legitimate reservationist such as XXXX ). This entity, XXXX, processed the charge to my Chase Visa card despite the cancellations. I subsequently disputed the charge as fraudulent but Chase has declined crediting my credit card the {$310.00} unwarranted charge despite providing them legitimate cancellation information and documentation that the hotelvalues.com was NOT a legitimate operator for XXXX XXXX or any other hotel system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: CA
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 formally dispute XXXX hard inquiries on my credit report by XXXX XXXX XXXX It has come to my attention that my credit was checked twice by XXXX. I believe this to be an error on their part, as they took an excessive amount of time processing my application and had inaccurate information in their system. 
During a recent visit to a local XXXXXXXX XXXX branch, I spoke with a manager about the incorrect information on my consumer profile from XXXX XXXX An employee at the branch mentioned that she had experienced the same issue on her profile and attributed it to an outdated system that had not been updated correctly with the new processing system from XXXX. This conversation further supports my concerns about the accuracy of the information on my credit report and the unauthorized inquiries. In addition this concerns me greatly as I am a previous victim of identity theft. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may furnish a consumer report only for permissible purposes, which include a legitimate business need for the information in connection with a business transaction initiated by the consumer. My understanding is that multiple hard inquiries within a short timeframe for the same type of credit product should be treated as a single inquiry. The two inquiries in question were performed on XX/XX/2023, and XX/XX/2023, by XXXX XXXXXXXX XXXX I have not authorized any additional credit inquiries from XXXXXXXX XXXX or any other financial institution during this period. 
Pursuant to the FCRA, 15 U.S.C. 1681i, I request that you investigate this matter and remove the hard inquiries from my credit report. As a consumer, I have the right to dispute incomplete or inaccurate information on my credit report, and consumer reporting agencies must conduct a reasonable investigation to determine whether the disputed information is accurate. 
Please find below my personal identification information to assist in the investigation :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
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 information incorrect

Complaint:
I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: In progress
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/23 I wrote to all three credit bureaus, XXXX, XXXX, and Experian, to let them them know I know longer am giving them permission to report the account by the name of XXXX XXXX XXXX on my credit report. Well I just checked my credit report and it is still showing on my credit report for all XXXX bureaus. 15 U.S. Code 1681b ( a ) ( 2 ) states that - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Therefore, I am taking advantage of this law letting the bureaus know I do not give them permission to report this account on my credit report. I am including copies of the dispute letters that were sent on XX/XX/23 for proof.

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX Amount : {$530.00} Inquiries XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2021-05-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent several letters to Equifax in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: World Omni Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Since I lost my job because of Covid months ago, Southeast Toyota had deliberately ignored my plea for help for keeping a XXXX XXXX XXXX and put me in further debt. There were no options for help and they would not take smaller payments which I did put towards the car. I am on XXXX XXXX XXXX and it is against the law to collect debt otherwise from individuals incapable of working and to try to collect debt from this income. I have repeatedly told them that and they have harassed and numerously called me as if I could use that little amount to pay the debt. They already repossessed the car, sold it in auction, and are now saying I owe the difference and am fighting against this. 

I ask this debt and collection to be cleared from my debt and credit immediately as I have not found gainful employment. It is against the law to collect otherwise and the debt should be removed because I was making some sort of payments before they repossessed my car and put me in such a bad situation employment wise as well as have harassment called me numerous times about this collection which I will not be able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
This is my second Consumer Financial Protection Bureau ( CFPB ) complaint against First Home Mortgage, relating to an ongoing issue with my COVID Loss Mitigation application. The saga began in XX/XX/ when I first requested the application, but it was not until XX/XX/2023 that I received and submitted it. The application was accepted for processing on XX/XX/2023, and I was told to expect a decision within 30 days. Concurrently, I was advised to apply for the Maryland Homeowner 's Assistance Fund ( MHAF ), which approved up to {$40000.00} in funding for me on XX/XX/2023. To facilitate this, I made a payment of {$3200.00} to First Home Mortgage on XX/XX/2023, as advised by their representative. 

However, the process was disrupted when MHAF required an updated mortgage statement from First Home Mortgage. Despite multiple requests from MHAF and my Veteran 's Affairs Technician, the lender failed to provide this document, leading to MHAF denying my assistance application on XX/XX/2023. I have filed an appeal against this decision, as the denial was not due to any fault of mine. 

The last communication I received from First Home Mortgage was on XX/XX/2023, merely stating that my application was under review. My VA Technician 's request for an update, sent on XX/XX/2023, has been met with silence. This ongoing delay and the lender 's unresponsiveness are not only hindering my financial assistance efforts but also negatively impacting my federal security clearance and my credit report. The lender 's lack of communication and action is exacerbating these issues, leading to increased hardship and uncertainty about my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
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:
I currently have some fraudulent inquiries appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX  Inquired XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these unauthorized inquiries to be authenticated ( A ). I will take legal action against you if you do not delet these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-04-15
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:
Transunion continues to report an account that balances has been wrongfully reported

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 2023-03-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: SC
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 accounts 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 accounts 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. 

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 2023-08-07
Company: Experian Information Solutions Inc.
State: IN
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
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 explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-05-26
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation