BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-04
Company: EQUIFAX, 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:
With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX XXXX XXXX account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX XXXX XXXX   account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!

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 2019-06-04
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I want my granddaughter to assume the loan as she pays the mortgage and stays there. 
XXXX letter was signed and emailed to XXXX as requested. The prior rep had advised me to send in a letter to this address stating why the assumption was wanted with details. 
XXXX I email the XXXX stating that I havent heard anything what do we need to do to get the assumption process rolling I never get a response Mid XXXX I call because I still haven't heard or received any contact and told that it takes up to 30 days for their team to review it as they have to take it to investors to get the approval. 
XXXX XXXX I speak with a representative who states that the email was received, but it should have been mailed in, but it looked like it was already being processed. She stated that in the future this type of letter should have been sent via snail mail to SLSXXXX, CO XXXX and recommends XXXX Physical Letter signed and snail mailed out XXXX I called customer service to which they stated they had not received my letter, but recommend me sending it in, possible with tracking verification, and that they would open a ticket to search for the letter. 
XXXX XXXX The letter showing intent for myself to assume the loan resent. Attached was a letter stating all the interactions we have had. This was sent with tracking verification. This reached the destination XXXX and picked up 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 2022-11-22
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following account.

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 2019-06-04
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:
With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX AUTO FINANCE account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!

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 2019-06-04
Company: ENCORE CAPITAL GROUP 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 is missing that should be on the report

Complaint:
I have tried to have information verified on my credit report by Midland Funding LLC, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Calif XXXX, I sent a certified return receipt letter to this company to the address listed on my credit report only to have it listed as " return to sender '' not deliverable as addressed and unable to forward. I believe this company has had so many inquiries asking to verify credit report information that they are trying to confuse the general public or frustrate it. 
The Fair Credit Reporting Act states that all information on a credit report has to be 100 % accurate including corresponding information about the creditor. I am not able to verify information on my credit report and that is a violation of federal Law. 
My initial inquiry was to have them provide verifiable information to me showing a signed contract between myself and Midland Funding LLC. proving that I owe them {$670.00} I am asking that any and all information on my credit reports from Midland Funding LLC be removed from my reports immediately. My certified return receipt letter was mailed XX/XX/2019 and returned on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXXXXXX a XXXX XXXX credit card. However, the delivery tracking number # XXXX indicated a delivery on Saturday, XX/XX/2022 at between XXXXXXXX XXXX ( CT ) XXXX XXXX ( CT ) that NEVER occurred. This is FRAUD. The package NEVER arrived, although, the tracking on the XXXX  XXXX website indicated it did. I immediately advised XXXX XXXX that I did not receive the package. I chatted on-line with customer service then submitted the affidavit as requested, all within an hour or two, after identifying the package was not delivered. Subsequently, I received a billing statement from Comenity Bank on behalf of XXXX XXXX ( i.e., merchant ) charging me for an item that I did not receive. Now, I am being bullied, harassed by telephone several times a day and by mail with a bill that I do not owe demanding that I pay it! No, I am NOT going to pay for an item that I did not receive. Comenity Bank, apparently, has decided when a customer orders an item ( s ) the customer must whether the item ( s ) are received or not! Comenity Bank is not requesting the merchant guarantee deliveries of item ( s ) ordered. It is apparent that the delivery vendor ( s ) are stealing customer orders and Comenity Bank is insisting the customer pay for item ( s ) not received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-05
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: Information belongs to someone else

Complaint:
i tried sending my personal Information to Experian as i have been a victim of identity theft and fraud and submitted my complaint thru the CFPB and they still generated a automated email stated that i did not submit this complaint and i didn't have sufficient information to delete these fraudulent accounts. Please see attached documents to support my request AS I XXXX XXXX am submitting this request to have these accounts blocked. further more here 's the law The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) requires you to provide identity theft victims or law enforcement at the victims request with a copy of records relating to the theft. Following a written request from an identity theft victim, you must provide the records within 4 days after the date of receipt of a request from ta victim, free of charge and without a subpoena. This is sometimes called the business records turnover provision. 


I certify Under penalty of perjury that the foregoing statements made by me are true and correct and contain no misrepresentations of facts

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 2020-11-05
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against American Express. They are repeated calling me to collect a debt that is not mine. I have told them this is not my debt and remove my phone number but they continue to call and harass me. This debt belongs to another women with the same name as mine that lives in the same town. Ive told them this repeatedly times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
I am the author of this complaint and the attachments included in this complaint as well I recently checked my credit report and I noticed numerous inaccuracies and unauthorized inquiries and information on 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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
Account name XXXXXXXX XXXX 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 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.

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 2022-11-22
Company: EQUIFAX, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX  XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance XXXX {$2200.00} XXXX XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
This is my XXXX 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 alleged fraud or extortion. 



XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-09-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried on multiple occasions to setup repayment options for my student loans with Navient. They have never once done anything to help me resolve this debt. When I attempted to make payments in the past my payments were rejected, but once I submitted a higher payment they were accepted. I 'm a single mother on a fixed income, Navient has failed to help me this destroying my credit. They have failed to consolidate my loans, defer any of my loans or do anything to resolve the issue other then send collection letters in the mail for extreme amounts of money I can not afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refi mortgage two months ago with XXXX XXXX XXXX who is using Dovenmuehle mortgage as their servicer. The insurance details were provided to them as part of the specifics of the closing ( insurers is XXXX XXXX ). I received a notice last week from XXXX XXXX that my homeowner 's insurance had not been paid and was going to be cancelled on XX/XX/XXXX ( today ) if payment is not received. I escalated this to XXXX XXXX XXXX/Dovenmuehle and did not hear anything from them. I ended up working with the realty company to help escalate the issue and did receive confirmation that the insurance had been paid via email on XX/XX/XXXX and a text message on XX/XX/XXXX that the payment had been made, but as of today XXXX XXXX had still not received/processed the payment. I ended up having to pay for the premium out my own personal funds until this payment clears. I have still not received any kind of email/call from an actual person. I couldn't connect via telephone because of the long wait times ( I spent over an hour on hold before I gave up ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy TransUnion continues to illegally report a bankruptcy on my consumer report. There is no such court XXXX XXXX Illinois which is inaccurate false misleading, this company refuses to provide me with proof/documentation and data furnisher. TransUnion also reporting inaccurate account XXXX  # XXXX as included in bankruptcy wage payment plan currently how is this possible if the illegally reporting bankruptcy was discharged by there reporting on XX/XX/2022. I have attached a letter from The United States Bankruptcy Court/ print out of pacer.us gov .courts with the actual correct court name an address. The court does not verify-validate any information with credit reporting agencies or credit monitoring services concerning bankruptcy, TransUnion continues to falsely state this information on my consumer credit report an yet to delete. Violations of my consumer rights 15 USC 1681b I didnt give my written instructions/permission 15 USC 1681e ( b ) Accuracy of report 15 USC 1681s-2 ( B ) ( A ) reporting of information after notice of errors an reporting with actual knowledge of errors 623 ( a ) ( XXXX ) Duty to provide notice of dispute

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 2021-07-17
Company: EQUIFAX, INC.
State: NJ
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/XXXX I reached out to Equifax regarding an inaccurate reporting of a public record on my file. I disputed this public record with Equifax on XX/XX/XXXX which was completed on XX/XX/XXXX. The results of this dispute were that the public record was deleted from my credit file. However, when I spoke to Equifax they told me it was reported back on. After speaking to a supervisor named XXXX, employee number XXXX, he informed me that he escalated the issue as a complaint. After asking him who/which department actually deletes these items he said there isn't and the computer does it. He then hung up on me after telling me he couldn't answer my questions. I called back and got " XXXX '' employee number XXXX and she then explained the same things to me and also told me they don't have information on any managers that I can speak to. None of them could help me and kept providing me with the same answers which seemed very predetermined responses. The way I was treated after challenging information that was inaccurately reported on my file was unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Lender stated that application will not affect credit score and only a soft inquiry will be done. While loan was declined, an immediate hard inquiry showed up on my credit report. I immediately contact them and told them that it was not noted on their disclaimer. The only things noted were soft inquiry and that loan will not impact credit. My credit is already score dropped one point on the same day.

Company response to consumer: Closed with explanation