BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: NC
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 XXXX 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 explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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:
we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to transunion, XXXX and 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 2020-10-12
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wasnt not Presented a bill from original debt collector they messed up Equipment that never work and I was charged

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted my current mortgage company, Mr. Cooper, to refinance my home loan. The mortgage broker stopped responding to me. So I decided to look for another company, XXXX XXXX. XXXX  requested a closing cost statement and was ONLY given the option for an expedited one. They were given no other options. With the expedited closing statement, Mr. Cooper then charged me a {$25.00} fee, even though no other options were given. XXXX  again had to request another document and again Mr. Cooper charged another {$25.00} fee. I reached out to them and they stated it could not be waived or refunded. But fraud was committed as XXXX did NOT request it to be expedited, nor were they given any other option to get the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2018-04-19
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: Problem with personal statement of dispute

Complaint:
TransUnion has continued to list a public record of a Chapter XXXX bankruptcy which XXXX and XXXX have removed from my credit report as they couldn't verify it. I have asked transunion for proof and they have said that hey verified the bankruptcy through the courts which is a lie. I have had a security freeze on my XXXX XXXX since XXXX or XX/XX/2016 and so they can't and won't provide the proof that this might belong to me. I have challenged them on 2 different letter writing episodes but to no avail. 
I am simply asking TU to do what is right as they haven't been able to truly verify anything or show needed proof.

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 2019-03-17
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 information incorrect

Complaint:
Hi, The fraudulent, illegal, bogus loan-scam is STILL on my credit report!

Its been 6-years since the XXXX XXXX XXXX of XXXX loan-scam! 
They told me the loan would NOT be processed after I signed up for, then cancelled the ( 2 ) online " classes. '' There were NO " classes '' it was a total scam. There was NOTHING of value provided to me at all or in anyway, {$8800.00} for a hotlink to XXXX -- thats FRAUD. Take a look at the $ XXXX-Million construction-loan XXXX defaulted on -- the student-loan $ they scammed from me and other students went directly to pay the XXXX-new-building construction-loan, it was NOT used to educate me or other students. XXXX closed and had to move, and submitted false dox to reform at a new location. FRAUD!! Must be stopped! Remove this fraudulent loan its ruined my credit for the last 6 years and now I'm homeless!

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$440.00}.

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 non-monetary relief
Consumer complaint received 2023-02-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Case filed in XXXX  by Atty XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, OH XXXX on XX/XX/XXXX for {$4500.00} plus costs the a certified letter sent to an address in XXXX. I'm not a resident of XXXX  and never received any information of having been served. Default Judgement was made. I was informed by my employer regarding this matter XX/XX/XXXX. I was never properly served and never communicated as to this matter and could not have replied with Answer to the court in XXXX. Motion to show cause and contempt filed on garnish of wages against myself and my employer. Employer was sent documents to their old address ( XXXX ). Motion to widthdraw was only granted to my employer. No resolution offered to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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:
To whom it may concern, I, XXXX XXXX, never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX NO Name Provided ACCOUNT NUMBER : 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 2023-07-18
Company: Esusu, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/2023 I received an email from XXXX stating that I was signed up for their credit reporting service as a result of renting my apartment from XXXX XXXX in XXXX TX. I had never agreed or expressed any interest in this service and it was the first time I had even heard of it. The email had a link where I could cancel this service, however, it returned a 404 error indicating there was no such website, although XXXX appears to be a real company involved in credit reporting. I am not interested in this service and want them to cancel whatever account I might have with them and delete any records and information associated with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Lakeview Loan Servicing , LLC in XX/XX/XXXX and XX/XX/XXXX regarding an adjusted amount to my County Taxes. I have an escrow account to pay my county taxes. I was told by a customer service  representative that they would pay the adjusted tax payments for XX/XX/XXXX and XX/XX/XXXX and that I needed to send the tax statements to XXXX XXXX XXXX, XXXX XXXX, VA XXXX. I contacted them in XX/XX/XXXX to be sure they received the statements and they said they did and were in the process of reviewing them and they would call me back within 3 days to provide an update. I advised them I need to have an update before XX/XX/XXXX as that is when the tax payments were due and would be delinquent. To this day no one has contacted me and I received delinquency bills from the County of Los Angeles. I contacted Lakeview Loan Servicing again XX/XX/XXXX at XXXX ( pst ) I spoke to the department that handles escrow and taxes. The representative said she would have to place me on hold and when she came back she said I would have to speak to a manager in which I was placed on hold again and the line was disconnected. My escrow balance is currently {$1100.00} and my tax bills total {$620.00} plus fees now that the payment was not made by XX/XX/XXXX. I have more than enough funds in my escrow account to cover my County Taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed my account with any knowledge and claims they have the right and this is a business decisions. There is no fraud and this is a material false representation that the company has engaged in and completely discrimated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Rocky Mountain Capital Management
State: AR
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:
You stated that your corporation does not report any thing on the consumer report. 
Are you sure? ( see document provided ) You did not provide the documentation that I've asked for if you can not provide those documents the account is to be blocked and deleted You are in violation of 15 usc 6801 ( a ) due to not having my consent to furnish anything on my consumer report.

You are in violation OF 15 USC 6809 ( 4 ) ( A ) DUE TO NOT NOTIFYING ME THAT MY NON-PUBLIC INFORMATION WAS BEING SHARED AND NOT GIVING ME THE OPTION TO OPT OUT. 
YOU ARE IN VIOLATION FOLLOWING THIS ATTEMPT TO RECTIFY i WILL BE FOLLOWING UP WITH AN INVOICE TO COLLECT ACTUAL DAMAGES

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Lockhart, Morris & Montgomery Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX a firm called Lockhart Morris & Mo on XX/XX/XXXX filed a Derogatory remark that lowered my credit score on a medical bill Collections account that was incurred in mid XX/XX/XXXX at XXXX XXXX XXXX XXXX for {$1000.00}. This account is not eligible for such a negative impact status since it is now near to 7 years of age old. XXXX link from consumerfinance.gov in order to Dispute with XXXX are broken as of XX/XX/XXXX. Also the Dispute Claim link from their website ( after member registration and Terms Agreement and then Login ) did not respond as of XX/XX/XXXX either. Today, XX/XX/XXXX member login attempts at XXXX does not even offer slots of Name or Password to fill in. When clicking the XXXX link ( XXXX XXXX XXXX XXXX XXXX ), it simply reads ... 
" The requested URL was rejected. Please consult with your administrator. 

Your support ID is : XXXX [ Go Back ] ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
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 do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XX/XX/XXXXXXXX XX/XX/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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My employer is incorrect on my experian, transunion and XXXX report. Please update to XXXX. XXXX has only ever been my employer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Best buy credit card citi bank issuer Had good account history for months of on time payments an auto pay from XXXX XXXX Then XXXX XXXX had several failed system issues there entire system crashed numerous times causing people to be stranded without funds or ability to pay for goods an services. I was one of the victims XXXX contacted me an pressured me to not sue them or they would close my account. Because of these issues with payments not being processed best buy citi credit card was closed I was informed by citi it would be closed. They continue to charge me interest I tried to settle the account but they charged me more then my credit limit in fees. 

If an account is closed why would you keep charging a customer for it. I'm fighting without help can you assist in resolving this I would like to pay the settlement amount they will offer from the total XXXX. 
Contact me

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 2019-01-31
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 information incorrect

Complaint:
On XX/XX/2019 I emailed XXXX  XXXX XXXX  regarding two accounts reporting incorrectly on my credit reports ( Transunion, XXXX, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX  responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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