BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$970.00} ; XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied on StudentAid.gov in XX/XX/XXXX for the XXXX application. I kept checking Mohela 's page but it just said " processing ''. When I called on XX/XX/XXXX the woman I spoke with told me there was an issue with the application so she started a new application with me and then filled out the request to pause upcoming payments until the SAVE application had been processed. That call was almost two hours before I was able to speak to her. On XX/XX/XXXX I called Mohela again because I received a letter stating I owed {$400.00} on XX/XX/XXXX. After XXXX hours and XXXX minutes on hold I spoke with a trainee who told me the SAVE application still hadn't been processed and a forbearance application was never processed either. She told me she couldn't help me and wanted to put me back in the queue to wait to talk to someone who could. I requested a supervisor, after 35 minutes she said she couldn't get a supervisor. After a lot of back and forth between us she found a customer advocate who processed the forbearance. As of today, XXXX, I still have not received anything about my SAVE application. It's very distressing and frightening to work with Mohela. I wish I had a different loan servicer. My XXXX has been so high for the last few months because of them. Please help. No one else will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: MARINER FINANCE, LLC
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:
I am writing to lodge a formal complaint regarding Mariner Finances failure to provide me with a Form 1099-C after charging off a debt. I believe their actions are in violation of tax reporting regulations and are causing confusion and uncertainty for me as a consumer. I had a financial obligation with Mariner Finance that was eventually charged off. Despite the debt being charged off, I have not received a Form 1099-C from Mariner Finance , which is i believe to be required by the Internal Revenue Service ( IRS ) for reporting cancelled debt as income. I kindly request that the Consumer Financial Protection Bureau investigate my complaint against Mariner Finance for their failure to provide the required Form 1099-C. I believe that their actions are not only an inconvenience, but also a potential violation of consumer protection regulations. 
Your attention to this issue and your assistance in resolving it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance Owed : {$650.00}

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 2022-09-15
Company: Experian Information Solutions Inc.
State: MO
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:
This is my 7th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXF XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$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 2023-02-27
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. the accounts are misleading and needed verification immediately. Please check the payment history, date open, last activity, and Status of the accounts ' XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} and XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} I believe it was reported erroneously.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-10-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax Mortgage Ser Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX I do not recgonize these inquaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023, I applied online for a line of credit. pgrade, Inc. immediately denied an extension of my credit. This is XXXX violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX submitting my 7th CFPB complaint to you today requesting that the Credit Reporting Agencies remove the disputed fraudulent information from my Credit Report. I have been disputing the fraudulent accounts and information from my Credit Report and it is clear that the Credit Reporting Agencies are not willing to comply with my requests. The Credit reporting Agencies continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. This action by the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. Also, I have read that the Credit are required to remove the disputed accounts and information that resulted due to the identity theft. I am submitting this XXXX Complaint to request that the Credit Bureaus remove the fraudulent accounts and information completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$390.00}

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 2023-07-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023 there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by XXXX, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following inaccurate addresses : XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Omit the following employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion. 

Kind Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
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: Information belongs to someone else

Complaint:
I recently received a copy of my consumer report from three consumer reporting agencies. 

XXXX, EXPERIAN, XXXX all three of the following are report ( Inaccurate information ) different CREDITORS are listed with different address for the same alleged debt. 

XXXX ACCT # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX EXPERIAN- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX THIS IS A VIOLATION of Fair Credit Reporting Act 15 USC 1681 15 USC 1681a ( 4 ) 15 USC1692d THIS is also DEFAMATION OF MY CHARACTER AS I STATED BEFORE, IF THIS MATTER IS NOT DELETED AND REMOVED I WILL SUE EXPERIAN, XXXX XXXX AND XXXX OF DEFAMATION OF CHARACTER.

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 2021-03-15
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: Was not notified of investigation status or results

Complaint:
I have been disputing a few accounts that are no longer obsolete since XX/XX/XXXX. Since the bureaus didn't respond to my initial dispute, I sent an additional follow-up on XX/XX/XXXX and then XX/XX/XXXX. The bureaus have yet, to this day, sent me any kind of update or responses in regard to this!

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 2023-08-31
Company: Experian Information Solutions Inc.
State: CA
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:
My credit report is still showing late payment on XXXX XXXX XXXX XXXX despite the multiple letters I sent to Experian. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

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 2021-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 explanation
Consumer complaint received 2018-07-09
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account repeatedly appears on my credit file and it does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
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 Account # XXXX, has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I unknowingly lost my ATM card after using it to withdraw {$100.00} from my local Chase branch. After this happened someone seems to have HACKED my account using my ATM card and made 13 Atm withdrawals at 4 atm machines of between $ XXXX and also two E withdrawals of {$2000.00} each at two different branches within 2 minutes of each other ( XXXX ; XXXX and XXXX ). In total I lost over {$8000.00} and Chase failed to have proper safeguarding to prevent this happening at 4 ATMs and two branches within an hour or two. i did not receive an alert from Chase until that evening and it was a text notification on my app. 
I visited the branch manager and called Chase several times to resolve this with no success. The police came to bank when I was there but just gave me an incident report number and never filed the report. After following up several calls later Chase will not disclose results of their own investigation, will not disclose what security footage finding 's revealed, or taken accountability for their lack of fraud safeguards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-09-15
Company: EQUIFAX, INC.
State: NY
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 currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within XXXX XXXX but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my XXXX XXXX  card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call XXXX which I did and they said to there knowledge XXXX took nothing off for there mistake.

Company response to consumer: Closed with explanation