BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was the victim of fraudulent inducement of employment. I was told my credit cards would be paid off for company use. The name and address of the alleged company is XXXX XXXXXXXX XXXX XXXX  XXXX of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, NY XXXX. I received a signed employment contract which I returned to my 'employer '. I was given the routing information for two banks to pay my credit cards in order to purchase equipment for export. The two banks are : XXXX XXXX XXXX ( Acct. XXXX, Routing # XXXX ) and XXXXXXXX XXXX ( Acct. XXXX, Routing # XXXX ). All payments were reversed onto my 3 credit cards ; XXXX, XXXX XXXX, Synchrony Sam 's Club MC. The address the shipments of what is now stolen XXXX equipment is : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX,. XXXX XXXX XXXX, XXXX XXXX. In the course of doing what I thought was my job, which was to send XXXX products for export, I was never able to create shipping labels to the XXXX XXXX address. My 'manager ' XXXX XXXX ( XXXX ) sent me labels. These items were either sent to or had the return addresses of three individuals in the United States ; They are : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ) These three individuals are in on this scam. The FBI needs to visit these three individuals as I have proof they are part of this scam. I was able to attempt to send a package via XXXX  but it was returned to me. I will be returning the XXXX merchandise to the retailer I purchased them from. I need an agent from the FBI to contact me because I have an entire stack of evidence. In addition, some of the packages that may have made it out of the US to XXXX are sitting in customs and can be confiscated. I have all the shipping labels needed to accomplish this. I have contacted the XXXX XXXX XXXX XXXX in XXXX XXXX, attempted to contact the XXXX XXXX PD. I have opened a case with the Federal Trade Commission, the XXXX XXXX. The FTC report number is XXXX. Now Synchrony has cancelled every card I have PayPal, Sam 's Club XXXX. I personally cancelled the Synchrony MC because of the 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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report 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 2016-08-22
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold and the new loan holders terms/conditions on the flood policies are different than my original loan holder. This is costing me more money. I did not agree to the new terms/conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
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 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 2023-03-21
Company: Merchants Credit LLC
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: Old information reappears or never goes away

Complaint:
Merchant Credit LLC has listed 11 collection accounts appearing on my credit report. They are all medical debt and all under {$500.00}. They disappeared for a short time, but they have reappeared. I had to dispute them to have them removed the first time. They should be removed as they are medical bills and all under {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am writing to expose the fact that some of the banks that are listed as participants in the HARP Home Affordable Refinance Program, do n't honor their commitment to the program. I have called the Nationstar mortgage twice on ( XX/XX/2016 and XX/XX/2016 ) to inquire that my mortgage be refinanced at 2 % fix rate as the HARP was designed for people who find themselves in a situation similar to mine, where my property is worth less than the remaining balance and I got turn down. XXXX XXXX admitted that the Nationstar participates in the HARP but stated that a 2 % refinance is not doable. I have been with this bank for about 6 years. I have received numerous correspondences from them asking me to refinance my home in an effort to help save money, and also a few letters were sent to me commending my payment history. As an American citizen, I demand that I benefit from the bank service that our government offers, provided that I am qualified to make use of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: AmeriHome Mortgage Company, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My monthly mortgage is {$1000.00} due on the first of each month. The loan is an FHA loan serviced through Amerihome Mortgage. We have been unable to pay the mortgage payment that was due XXXX due to financial hardships related to COVID 19. I did research on the HUD website and found that forbearance options are available to everyone who is experiencing a hardship if they have a federally backed loan up to 180 days through the CARES Act. I called Amerihome yesterday afternoon and was told that my husband and I would not quality for this federal government assistance because we are currently in a chapter XXXX bankruptcy repayment plan. I have done a lot of research and have not found any information that states that this would disqualify us for the forbearance assistance. I was told by the person on the phone that I don't need to worry and that I should just let my mortgage get even further behind if I need to because they are not aggressively pursuing foreclosures. I do not want to do that. I want to get help now before things escalate further, and I believe it is our right to get his assistance. Please help me. This seems so wrong and I feel targeted because I am trying to do the right things with my finances during this challenging time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Unfortunately, TransUnion has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$510.00} ). 
are incorrect. I request TransUnion to remove the late payments associated with these accounts. 

The above accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : XXXX ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), do not belong to me, and I request TransUnion to remove them from my credit 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
Consumer complaint received 2023-03-09
Company: A&D Mortgage LLC
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 status incorrect

Complaint:
A & D Mortgage LLC has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown  accounts from my name. XXXX  XXXX {$870.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please check as reference my CFPB inquire # XXXX and the attached letter with date XX/XX/2019 to the Debt Collector XXXX XXXX  XXXX XXXX in their response the said they will stop and cease any collection activity for the amount of {$300.00}. Now checking my credit report in Experian shows another XXXX Collector is reporting the Amount of {$300.00} such amount has been disputed in the past as you know. I opened immediately a dispute within EXPERIAN and this new Debt Collector XXXX XXXX XXXX still flagging as a validate debt. 
That is the reason Im open this complaint against the debt Collector ( attaching debt validation letter along with the Experian report affecting my credit score ) The CFPB should be aware this act is Intentional and with the goal to harm me, I would like to ask the CFPB to ask Experian and the Debt Collector XXXX XXXX XXXX to remove immediately this vogus Debt Collection 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 explanation
Consumer complaint received 2022-05-01
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: Their investigation did not fix an error on your report

Complaint:
I disputed a XXXX XXXX XXXX  on my credit file with Equifax. I received the results of the dispute on XX/XX/2022 showing that this public record has been deleted from my credit file. 

As of today, XX/XX/2022, this bankruptcy is still showing on my Equifax credit file. I contacted Equifax today and spoke to a rep about this issue. I provided her with the dispute number and she confirmed the result of the investigation that the item is to be deleted. 

She investigated further as to why this item has not been removed from my Equifax credit file and stated it was due to an internal error with their system not updating my credit file and proceeded to tell me they will have to open the dispute up again and begin the process all over again. I will have to wait an additional 30 days for this to be updated and removed from my credit file. 

I have attached the document showing the results of this dispute and would like my Equifax report to properly report this. This is unacceptable and violates the FCRA. If the results of an investigation result in a deletion, this must be immediately updated on my credit file. Equifax has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC has not properly credited my payments. I am getting threatening calls. They said I am two months behind but never specified the dates. I then opened a complaint with the CFPB and they returned credited two payments to us. One after 93 days! My previous complaint number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
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:
Have a fraud report number XXXX. Involving XXXX account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX Bank. Review Documentation. Fraud accounts must be removed ASAP according to FCRA guidelines. I will also be faxing documentation over

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 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 credit bureaus are not abiding to the 30-45 day response on my disputes

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 2020-08-13
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT 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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Good morning CFBP, This complaint is against TRANSUNION and XXXX. these two companies are not removing items that are 7 years old or older. I have already been the pain and suffering because of the long strenuous communication to get this removed. This is hurting my career as an XXXX XXXX Member of the XXXX XXXX, where I am possibly looking at some adverse actions over something that I did 7 years ago when I was married to my kids mother. I have made many mistakes, like many have done so- but i have since been trying to my best to do better for family and my career. I really hope that the CFBP can tell XXXX remove these accounts as soon as possible. that is all, thank you for your time.

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 2018-08-24
Company: CURO Intermediate Holdings
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Speedy cash opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are XXXX  XXXX XXXX XXXX I have disputed through XXXX and XXXX The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again. 

This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.

Company response to consumer: Closed with explanation