BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to DELETE some of the unauthorized inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-02
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I signed refinance documentation for a VA XXXX Fixed 30 Year with Loan Depot on XX/XX/2020 ; this is my current mortgage company. My loan has been conditionally approved by underwriting for three months ; I have called Loan Depot over 25 times with no response from various messages. I have escalated through customer care, and no one from the refi side or loan officer has called me back. The customer care reps are limited in what they can do but have stated this is not normal from what they have seen. They have sent messages from their side directly to the member team with the answer no one has called back. I have sent messages through the portal with no response. I do not know what to do, or it should have gone to someone else. At the two month mark, I did talk to XXXX XXXX ( manager ), and I explained that I had had the same offer they gave from other Mortgage companies, and the other companies guaranteed they could get the loan completed quickly. He reassured me that they would get the ball rolling and be very quickly 57 days ago. Now those rates are lost me, and I'm and stuck waiting on them with no choice to look elsewhere. I don't want my credit pulled again as it had been pulled previously two times separated by 30 days because I could not get ahold of anyone. Additionally, I am a 100 % XXXX retired XXXX Veteran ; I'm not sure if the stall is because there is not enough money to be made off this refinance. I am taking the backseat to other more profitable loans. I can not see why there would be any other reason unless they have not completed one refinance since XX/XX/XXXX, which I'm sure is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: GUARANTEED RATE INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the MD HAF program. MD Homeowners Assistance Fund in XXXX of XXXX. I submitted all my documents to the MD HAF program. MD HAF requested documents from my Loan Servicer Guaranteed Rate on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX. I've called Guaranteed Rate several times and was told that the documents were sent to the MD HAF program. MD HAF has stated that Guaranteed Rate has not sent the required documents requested as of yet and MD HAF has requested the documents be sent from Guaranteed Rate on multiple occasions. Guaranteed Rate is delaying the processing of my MD HAF application in order to prevent foreclosure. Due to Guaranteed Rate and the lack of response by not replying to MD HAF in a promptly matter on the several dates requested for the documents to be sent this is delaying the processing of MD HAF application and this is adversely affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: EQUIFAX, INC.
State: TN
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:
Equifax has not deleted the collection from XXXX XXXX XXXX in the amount of {$5000.00} despite the fact that we how sent them documents that this is well outside of the reporting deadlines and has been illegally re-aged. The other credit bureaus has removed the incorrect information by Equifax has still not removed this account to accurately report the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX. Someone is impersonating me and stole my identity. I am requesting that any other variation of my name be deleted because its wrong, thats not me. 
My address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove every other address because no mail can be delivered to me through the Post Office, to these addresses and are therefore not reportable according to the Fair Credit Reporting Act ( FCRA ).

I did not grant anyone written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be deleted immediately My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX | XX/XX/2022 You have reported information that has damaged my reputation, caused me personal harm, and denial of credit products. Please remove these items now. 

I look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I posted a add on XXXX to sell my vehicle that I could no longer afford for the amount owed on the loan for 30,000 approximately. I received a on response from a gentleman on XX/XX/XXXX who said that he would pay off the loan. He did with his personal bank account through my online payment center and when the title was received to gave to it and well as the vehicle. All the payments were received by XX/XX/XXXX. I received documentation that my loan was paid in full first onXX/XX/XXXX and as the title which has the released date of XX/XX/XXXX as well two weeks after. Then a month after the vehicle was gone and sold, XXXX XXXX XXXX XXXX sends me letters that all the funds were returned and they need the title back. The vehicle also needed to be in my possession as well. At this point, both of them had been taken from my possession. I went through quite an ordeal with the bank to get this issue resolved cordially but did not happen. XXXX XXXX XXXX XXXX believes I still owe my loan which I don't believe is accurate. Thank you

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 2021-08-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX XXXX amount {$9100.00} reporting on XXXX/Equifax/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX amount {$0.00} that is reporting on this inaccurate information on XXXX/Equifax/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX  XXXX XXXX amount {$1900.00} that is reporting on this inaccurate information on XXXX/Equifax/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX/ XXXX amount {$260.00} reporting on XXXX/Equifax/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
The actions that I try to take to resolve this problem was I tried contacting each company but they all never replied back or answered my mail that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Account information incorrect

Complaint:
I requested by letter for XXXX, TransUnion and XXXX to validate the missed payment on three accounts with the Office of Attorney General. I received a response by email from XXXX and by mail from Transunion and XXXX by mail. That the accounts were verified as correctly reporting. All 3 credit bureaus reports are inconsistent showing sever missed payment on one case TransUnion has reported 30 payments being missed. While XXXX reporting 5 missed payments and no other data received. XXXX reports has a 180 days pass due since XX/XX/2021 and all three agencies reporting different amount owed. The same inconsistency is report on the other two cases with the XXXX office. I haven't received any documentation supporting their findings from the investigation. I had miss work and went to the XXXX office for a print out of my payment history there was no missed payment due to the payment is being garnished from my pay check. I don't know how XXXX, Trans Union and XXXX received the information I was told at the XXXX office that they don't give out this information over the telephone without proper identification. Must be in person or a legal representative for the custodial or noncustodial parent in the case.

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 2018-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from XXXX XXXX, XXXX and Experian stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to XXXX XXXX, XXXX, and Experian as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.

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 2023-10-11
Company: Lentegrity Management, LLC
State: NY
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 was viewing my credit report and noticed unfamiliar inquiries. My information have been used to apply for credit cards recently and commit fraud without my authorization. I ask that these inquiries be removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I REQUEST FOR THIS COMPANY TO VERIFY BY PRODUCING A CERTIFIED COPY OF A LETTER WITH MY WRITING CONSENT GIVING THIS COMPANY PERMISSION TO FURNISH MY PERSONAL INFORMATION.

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 2023-03-24
Company: EQUIFAX, 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:
these reportings that do not belong to me are impacting my life negatively making day to day living impossible and making it hard for me to try to move forward in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: PA
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:
XXXX  in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

15 USC 1692b ( a ) ( 2 ) XXXX XXXX was never written consent by me to report any of my information to the credit bureau 2. 15 USC 1692d ( 1 ) XXXX XXXX has harassed the physical person damaged my reputation and stole my property. 
3. 15 USC 6802 ( b ) ( 1 ) ( a ) I was never given a clear and conspicuously disclosure that such information may be disclosed to a third party.

4. 15 USC 80a-33 XXXX XXXX has willfully mutilated my account XXXX  and Equifax are both in violation of 15 USC 1692b ( a ) ( 2 ) I never gave written consent for them to report any of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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 filed a complaint with the CFPB and the creditor of the account responded stating that my student loan accounts with XXXX loan sequence 1-5 were removed from all of my credit reports with each agency. Unfortunately this was not accurate as Equifax and XXXX are still reporting these items on my credit reports with their bureaus. I disputed the items multiple times to no avail. The credit agencies are stating that they verified the accounts while the creditor has stated that the items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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:
I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 )

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 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from Trans Union, XXXX  and XXXX   stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to Trans Union, XXXX, and XXXX  as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.

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 2023-10-12
Company: CITIBANK, N.A.
State: AZ
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 noticed an inquiry from CITIBANK NA/THD Date of Inquiry XX/XX/2022. I submitted a written, certified letter to XXXX that this was not an approved inquiry. I also called Citibank Na/THD and they agreed to send a letter to explaining that they did not have any authorization on file to pull a hard credit report and requested the inquiry be removed. XXXX has chosen to ignore this information and to provide any further investigation after repeated letters/calls and attempts to have this 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 2023-03-24
Company: CCS Financial Services, Inc.
State: SC
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:
XXXX XXXX XXXX XXXX {$69.00} XXXX  XX/XX/XXXX XXXX {$240.00} 15usc1681 section 602a right to privacy 15usc1681 section 604a section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15usc1681ca5 states no consumer reporting agency containing any of the following items of information any other adverse items of information other then records or convictions of crimes with attendants the report by more then 7 years 15usc1681s2a1 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
After filing a claim, I did not get reimbursed from one of 2 stolen checks ( payroll checks from the XXXX  I work with ) addressed to me but that got cashed by somebody else. I started the claim and submitted the required paperwork on XX/XX/XXXX of XXXX through the treasury department and the bank of my XXXX. I got a response on XX/XX/XXXX of XXXX that I would get reimbursed only for one of the checks but not the second. TD Bank, the bank of first deposit for the  stolen checks, has not reimbursed the XXXX XXXX XXXX XXXX account ( that had issued the checks for me ) to date despite repeated attempts. 
My XXXX XXXX XXXX XXXX was not reimbursed by TD Bank and the amount of the stolen check was : {$1000.00}. The signature on both checks was clearly forged and clearly does not match my previous signatures at all.

Company response to consumer: Closed with non-monetary relief