BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
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:
This is my numerous 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 an alleged fraud or extortion. 
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 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 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 2020-07-27
Company: EQUIFAX, INC.
State: AL
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've been contacting equifax for 6 months about inaccurate items on my credit report and the problem is still there. they have collection items on my credit report with no name just accounts that i cant directly dispute because its no name to who the original creditor or collection agency may be. Also other items that doesn't belong to me as my information was stolen in their data breach. this is a violation of the fcra and items must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
why and how is experian reporting the balance on XXXX has increased when the account is charged off and closed. i asked 3 months ago for a breakdown an explanation of the fees and origin of the fees thats being added thats causing the balance to increase monthly on this charge off account from 5 bureaus still hadnt received anything and its been well over 60 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
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:
XXXXXXXX XXXX XXXX XXXX/XXXX has discharged a loan and it still shows on my credit report as 129-149 days late. the discharge is due to the fact that should have NEVER been enrolled into this school in the first place.See document attached.

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 2018-05-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2011 I applied for a XXXX loan online in order to pay off a bill that was about to go into collections the next day. I filled out the necessary information and got a call saying I was approved and needed to send in a voided check to process the loan. I asked about paying off early and was assured that this would not be a problem. They told me if I did not pay on time I would be charged every two weeks XXXX dollars until the debt was paid. I paid off my bill and three days later paid the loan off early online. I didn't think anything of it until I noticed my bank account was lower than it should have been. I tried calling the number they called me on and it was disconnected. I tried calling the number the bank provided and no answer ( I called at least 10 times that day ). They wound up taking XXXX dollars from me before I was able to switch accounts. Now 7 years later they have turned this over to a debt collection agency that is the fifth one or so that has tried to collect. Every time I explain the situation to them I get a cease and desist on my account which goes well for about a year before it goes to another agency. This last one actually provided me details and amount as well as what I suppossedely currently owe ( XXXX now ). I'm tired of this and just want it to stop. In my XXXX and still trying to save more than XXXX bucks a week

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX and Trans Union are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I have tried 3 times this year to get XXXX  and Ally Financial to PROPERLY REPORT MY PAYMENTS FROM 2019!!!!! I have MAILED AND EMAILED PROOF OF PAYMENTS AND STILL NOTHING GETS CHANGED OR DONE??????!!!!!!! My payment is due on the XXXX of the month btW and my payment is {$410.00}. 
Ally is reporting 5 - 30 day late payments in 2019 and I HAVE PROOF FROM MY BANK STATEMENTS THAT I WAS NEVER 3 DAYS LATE IN 2019!!! I EVEN PAYED EARLY ONCE IN AND THEY CHARGED ME 30 DAYS LATE THAT IS THE ONLY ONE THEY CHANGED ON MY REPORT BECAUSE IT WAS 6 TIMES LATE THEY REPORTED!!!!!!!!!! NOBODY INCLUDING ALLY SEEMS TO CARE AND THIS AFFECTS MY LIFE GREATLY!!!!!!!!!!!! I WOULD APPRECIATE SOME HELP PLEASE!!!!!!! 
XX/XX/2019 - PAID {$850.00} ON XX/XX/XXXX FOR XXXX & XXXX XX/XX/2019 - PAID ON XX/XX/XXXX {$420.00} PAID AGAIN ON XX/XX/XXXX {$400.00} XX/XX/2019 - PAID ON XX/XX/XXXX {$410.00} 2 FREAKING DAYS LATE AND CHARGED 30 DAYS AND I AM GETTING LATE FEES ALSO!!!!! 
XX/XX/2019 - PAID XX/XX/XXXX {$420.00}! 
XX/XX/2019 -PAID EARLY ON XX/XX/XXXX!!! {$410.00}!!!!!!!!!!!!!!!!!

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 2020-06-02
Company: Lending Club Corp
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX, I went to my bank to close my checking account and there was a substantial amount in the account. After the bank research the transaction, the bank indicated the {$9400.00} ACH deposit made on XX/XX/XXXX came from Lending Club. I contacted Lending Club on XX/XX/XXXX and said I did not apply for this loan and to provide me with documentation with my signature indicating that I authorized this loan. I will return the principle amount less the payment taking from my checking account in the amount of {$360.00}, which I did not authorized. I asked where they obtained my personal information. The gentleman who assist me refer me to the fraud department. I received a letter denying my claim and no supporting documents indicating I applied for this loan. Called Lending Club again and no loan documents where produced. I asked if a can repay the principal loan amount with no fees or interest. I want to rectify this situation immediately, its damaging my credit. Please help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: The Regional Adjustment Bureau, Incorporated
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has responded check XXXX for {$89.00} caused my account to overdraft. This was not a check but a debit card debit. XXXX allowed this debit on what was a closed account. I personally went to the bank and closed this account. I have tried in vain to resolve this but XXXX is unrelenting. Their employee failed to close my account appropriately and I as the customer is being forced to suffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my loan on XXXX XXXX, XXXX, and I have been trying to resolve this with the servicing company for over 3yrs. This loan is considered Predatory based on the several things, one is my property taxes, that was put on my HUD 1 as {$100.00} a month for 6 months totals {$600.00} in XXXX, then the next year XXXX went to {$4700.00}, which raised my payments from {$1300.00} to over {$2100.00} the next year. The mortgage broker did not give me a proper estimate of my taxes, now putting me in an predatory situation, my broker did not seem to have my best interest in mind, by not giving me an option of taking an higher payment or walking away from the deal due to such a high payment increase, my broker did not advised me properly, because there were several other homes in the community that was exactly the same model as my home that was built and sold before my home was even built, the broker is responsible for giving me an estimate of what I should be expecting for my taxes, I had no idea that my taxes would increase over {$4100.00} the next year. 

My Private mortgage insurance was not calculated properly, I was charged too much a month, I was given quotes by three different loan officers and the cost was very different, was well below what I was given. 

Before falling behind on my mortgage my mortgage service did not do a face to face interview which is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: FL
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:
I have only applied for 2 loans in 2 years and there are several inquiries on my report that I did not do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify or remove these fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I moved from XXXX  to XXXX  and the State of XXXX  needs Honda to provide them information or transfer title to another state in order to register my vehicle in the new state. Honda hasn't responded and I'm unable to reach anyone at customer service. I've spent 30-40 hours on hold the last 3 weeks and no one ever answers. I've tried calling local dealers and they can't help. XXXX  law says my vehicle must be registered within 30 days by law and I'm not past this timeline and in violation of state law. I've tried faxing, mailing, and calling without any prevail. I need someone to help me, so I can register my vehicle in my new state of residency and be compliant with state laws. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: MA
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:
There is a hard inquiry on my Experian credit report that does not belong to me. I contacted the company who reported it, I was told by one of their representatives that someone applied for a business loan using my information. I added a fraud alert to my credit report and sent Experian a  certified letter XX/XX/2020 and haven't heard anything back. I asked the company to remove it and they said that it has to be investigated they don't remove it. Here is the company 's address : US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Reported XX/XX/2020 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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 ordered a new vehicle from XXXX XXXX, XXXX, CT. I was contacted on XX/XX/XXXX that my vehicle was delivered. I was sent the website link for XXXX XXXX XXXX to apply for a loan to take delivery. I filled out the online application on XX/XX/XXXX at XXXX XXXX XXXX. The website specifically explains my information will not be shared. On XX/XX/XXXX at XXXX XXXX  my application was printed and the information provided to XXXX XXXX XXXX without my approval or notification. On XX/XX/XXXX XXXX XXXX provided me information for my insurance binder. It was at that time I was told I was financed with XXXX XXXX XXXX. I inquired why my credit was ran and shopped to other institutions. I was told that I authorized this with the consumer release I signed at the dealer when I ordered my truck. Since the dealership was closed due to covid I knew this was a lie. I did not sign any release. I decided to go forward with the purchase since I was without a car at that point since my car was sold to the dealer the week prior. On XX/XX/XXXX at delivery I was given the credit application to sign authorizing my credit to be ran. Obviously this was a moot point since my credit was already ran. I specifically did not want my credit ran multiple times and didn't care to get the " best available rate '' since my intent was to pay off the loan after purchase. I only took the loan for east of transaction. The loan was paid off the day after delivery. The second reason I do not allow my loan to be shopped it I own a small business. I do not allow my information to be shared as it could cross the desk of a local regional bank and be seen by a customer. Both XXXX XXXX and XXXX XXXX XXXX  ran my credit and shared my personal information without approval. I have worked on getting the additional inquiries off of my report for 6 weeks. The bank has not been supportive in getting the inquiry 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 2020-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian keeps reporting a account that was already removed once before. Some how this account has appeared back on my credit. 

XXXX XXXX XXXX XXXX Confirmation of removal # 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