BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: OR
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
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: 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 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 explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explanation : To my knowledge, these multiple inquiries were unauthorized. I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as their accuracy per FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: AZ
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2023-09-20
Company: Upstart Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upstart loan place XXXX XXXX  charge off on my credit XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Information Under 15 USC 16Bib and Request XXXX lam writing to formally dispute inaccurate information containe in my credit report, as permitted by the Fair Credit Reporting Act ( XXXX, specifically under both 15 USC 1681b and 15 USC 1681c-2. This dispute pertains to the information reported by your agency under the permissible purposes outlined in 15 USC 1681b, as well as my request for blockng information related to identity theft under 15 USC 1681c-2.

I recently obtained a copy of my credit report from your agency and have identified the folowing inaccuracies : Account Name : [ Upstart Account Number : [ XXXX Date of Reporting : ( XXXX ) Description of inaccuracy : [ This account is being reported as a charge off on my account this account is not mine company has not surrendered any supporting documents to me showing proof that this account is mine to be accurate or true it has been pass 30 days if the allowed time Please removed account immediately from my credit profile for Under 15 USC 16816 , consumer reporting agencies must ensure that the infrastructure they report is used for permissible purposes only. I am disputing the accuracy of this information, as it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 16815.

Additionally, I suspect that this inaccurate information may be a result of identity theft, which falls under the provisices of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information it a is found to be a result of such unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am enrolled in the standard repayment and Nelnet has not given me my real monthly payment amount. Currently, it says I owe {$180.00} a month. I have 90 payments left and if I were to take this payment amount and assume 0 % interest over the 90 months it would not even cover the principal amount. They also do not seem to have enough customer service representatives I've been on hold for over 2 hours and them my call was dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: Public record information inaccurate

Complaint:
Applied for XXXX XXXX XXXX upgrade which was issued. Then tried to increase credit limit. This was denied with the reason you are participating or have recently participated in a payment relief or deferral plan. This is false. We have a credit rating of XXXX which we verified on the XXXX app. We went through this several months ago with my wifes XXXX card. There is something very wrong. We made several calls a few months ago and the people we spoke to said there was nothing they could find but XXXX continues to send this report. Have been a customer of XXXX for 23 years. Dont think we will make it to 24 years but I want this information fixed

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 2023-07-20
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Opened a Fraudulent Account in my in the amount of XXXX This account is a result of Identity Theft. I did not Authorize this Account to be opened

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 2021-06-28
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX, I applied for a mortgage on a new condo with Citi. Pre-approved instantly given my income and assets. Was approved for a mortgage by 1 other bank, but favored Citi because of the lower rate. 

I make XXXX a year, sold a business for XXXX in XXXX, and have guaranteed income for the next decade give or take. Also have upwards of XXXX in assets between two trusts. 
At NO time prior to maybe 3 weeks before scheduled close did XXXX EVER state the mortgage was at risk of not being approved. I often gave her easy outs if this cant be done, lets end this. Nothing. 

After being constantly unable to get ahold of XXXX ( at one point, it took 18 days for her to reply as to the status, when I had finally sold my unit so for 18 days I was potentially going to be homeless thats when I reached out to JPM ). 
JPM approved me in less time than it took XXXX to respond to an URGENT request, as things were now moving quickly. 

After ~ 7 months of speaking in circles, and XXXX in payments, XXXX XXXX me I need to start the application over -- 20 days before our scheduled closing, in hopes of securing a 50 % mortgage. If we were grading by competence, it took XXXX 6 months to accomplish 50 % of what JPM did in 2 weeks. She achieved half of what others did in XXXX the amount of time. 

( Application fee was XXXX, made in early XXXX XXXX XXXX has never returned a voicemail, the average response time is in the weeks, and Ive never been able to get ahold of her directly without at least 5 - 10 day wait. Her assistant is the only hope, and he rarely responds, never responds to voicemail, and maybe has a 3 - 5 day response time.

I dont care about the loan, I dont need a loan, but I do have 2 if I want them.

I would like my money back immediately, as the application wasnt even valid. 

I also dont think XXXX should remain in this business. I terminated other viable lenders because she assured me everything was okay with her, and then I ended up with ( potentially -- up to ) 50 % of what I was assured of, only after paying for ANOTHER application fee. 

I simply want my money back, and I do not believe she should work in this business. She does not answer any form of communication, she lead me and my team on with implications of approval, and failed to communicate the status of the loan until it was WAY too late to do anything about it. Luckily, I realized early on she was useless, and sought out other lenders -- otherwise I would be homeless, or have a 50 % mortgage loan. 


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 monetary relief
Consumer complaint received 2018-10-07
Company: Ocwen Financial Corporation
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: Public record information inaccurate

Complaint:
On XX/XX/2018 XXXX XXXX denied me a Mortgage refinance and HELOC loan. XXXX XXXX said I have a Lien on my Property Title Report and that I needed to contact GMAC Mortgage to clear this matter XXXX XXXX also stated that it seems that since I have excellent credit that GMAC Mortgage must have left this in error. Since then I have tried contacting GMAC Mortgage they have many subsidiaries I found that these Banks that I filed complaints with OCWEN, XXXX XXXX  they have both said they do not have " servicing rights '' I also contacted XXXX XXXX XXXX XXXX who can see my information but can not help me. I pulled a Deed of Trust and Assignment of Rents from XXXX XXXX county recorders DOC # XXXX MIN XXXX. I have looked at MERS Service ID and the information says that my MIN XXXX servicer is XXXXMAC Mortgager LLC XXXX XXXX, PA I tried contacting does no exist, I called the phone number listed on MERS ( XXXX ) XXXX this number redirects me to OCWEN debt collecting service in which they deny having any " servicing rights '' again my MIN status is " Inactive ''. I'm asking for MERSCORP to " Discharge '' and clear this lien on my Property Title Report. I will provide all documents with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I paid off my loan in XX/XX/2017, XXXX XXXX showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. XXXX XXXX   reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling XXXX XXXX numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX  but not XXXX  or Equifax. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: CT
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-04
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2023, Franchise, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX gave my information to a Santander Bank , N. A., formerly XXXX XXXX  , subsidiary of the Spanish Santander XXXX XXXX XXXX. XXXX XXXXXXXX s/n, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I did not authorize, XXXX XXXX XXXX XXXX XXXX to give my information to any third parties. 

The answer service clearly states the phone number is registered on the Do Not Call List.

A violation of the Do Not Call ( DNC ) can be up to {$43000.00} per call - varying from {$100.00} up to {$25000.00} per call. Santander called me four times. I have a home in Texas however I am a California resident - not a Texas resident. Also, XXXX XXXX XXXX XXXX purposefully gave my information to Santander without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account was cleared out by fraud and Key bank have not returned my money after 2 weeks. I am not responsible for this fraud yet they have charged me {$15.00} to replace my card. 
this is the second time in 2 months this has happened and I have been charged {$15.00} each time. The money from the first fraud was returned within 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 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! 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 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 2023-07-20
Company: Experian Information Solutions Inc.
State: NY
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:
In despite of my previous written request the items I've found out today in my credit report still appeared but I had already disputted them. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report I want to delete them all in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-28
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: Information belongs to someone else

Complaint:
I received a bill in the mail in XXXX XXXX for a XXXX XXXX XXXX  account unfamiliar to me. XXXX None of which Ive used or opened this account.

Company response to consumer: Closed with explanation