BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
my identity was stolen and I have submitted FTC

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: PA
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 deleted : XXXX XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Hard Inquiries are listed below. ) 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 non-monetary relief
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
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:
I have a fraudulent BANKRUPTCY COURT account open on my credit reports. Also I was in a park some years ago and someone stole my bag with my personal and sensitive information in it. And since then I have a lot of hard inquiries that have been appearing on my credit report that I did not authorize as well. 
Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX Experian : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Credit/ XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX I  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Motorcycles & Bicycle Sales/Svc XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry from 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 non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: CT
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 am writing to express my extreme dissatisfaction and frustration with the persistent mishandling of my credit report. The matter at hand involves numerous instances where my credit score has suffered due to unauthorized hard inquiries, particularly by XXXX XXXX, and subsequent inadequate corrections by Experian. 
On XXXX XXXX XXXX I was alerted by XXXX and XXXX XXXX about changes to my credit report. Investigation revealed an unauthorized hard pull by XXXX XXXX, an action I neither authorized nor initiated. Despite immediately reaching out to Experian, XXXX, and XXXX, the responses, particularly from Experian, were shockingly insufficient. 
Experian 's initial notification stated an XXXXpoint drop in my credit score due to the XXXX XXXX inquiry. After disputing this with an Experian fruad department representative and providing XXXX XXXX 's reference number ( XXXX fraudulent application with notes stating : closed application ), my credit score with Experian increased by a mere XXXX points on XXXX XXXX XXXX This pattern of losing more points than regained after unauthorized inquiries is a recurring and unacceptable issue. My credit score should have passed XXXX by now but because of the inaccurate reporting and the pattern of hard inquiries from the same XXXX XXXX, my score continues to suffer with Experian. 
The proactive measure of freezing my credit file, which should prevent unauthorized inquiries, has proven ineffective against XXXX XXXX XXXX persistent actions. This is a blatant disregard for my rights as a consumer and a failure in ensuring the security of my credit information. I only had the freeze temporarily lifted upon suggestion from a XXXX XXXX XXXX representative when I went to open a checking and savings account with them. 
Moreover, Experian 's reporting inaccuracies have further compounded the problem. My total debt, initially reported as {$350.00}, skyrocketed to an astonishing {$21000.00}. This egregious error has had a severe impact on my credit score, hindering my financial plans, particularly my ability to proceed with a house purchase. The other two credit bureaus have my total debt reported as {$350.00}, why does Experian continue to report inaccurate information on my report? This is unacceptable.

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 2021-11-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; EQUIFAX MORTGAGE SER Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX - AUTO FINANCE Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX - CARD SERVICE Inquiry Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE A WHOLE LOT THAT I WOULD LIKE TO ACCOMPLISH FOR MY FAMILY AND MYSELF SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 non-monetary relief
Consumer complaint received 2018-12-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been struggling with my mortgage company which XXXX is the  servicing company and Lakeview is my lender. They gave me hard time to short sale my house with them. As my agent had reported and got the offer to them. They took over 4-8 week to processing each single pieces of information they requested. They also keep changing mind on the offer. The property is never changed pending from XXXX XXXX XXXX ( XXXX ) as I instructed the agent not to do so. However, they never consider anything for my sale and pushing me to foreclose the house. Their information is not corrected at all as I have told them. They never want to help and just want to foreclose my house without any help

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 2017-10-25
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX closed all of my credit card accounts after pulling my credit report saying I had too many recent inquiries. I have a spotless credit history and have never missed a payment and I rarely even carry a balance on my credit cards. I 've been with XXXX for over 10 years and still have an auto loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: IL
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 Account # : XXXX, Amount {$36000.00} XXXX XXXX XXXX XXXX Account # : XXXX, Amount {$9600.00} -XXXX XXXX, Account # : XXXX, Amount {$740.00} -XXXX XXXX Account # : XXXX, Amount {$800.00} -XXXX XXXX XXXX, Account XXXX XXXX XXXX, Amount {$2300.00} -XXXX XXXX, Account # : XXXX XXXX Amount {$540.00} All credit accounts listed above 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Law Office XXXX XXXX XXXX XXXX " XXXX '' XXXX has been retained by XXXX XXXX XXXX XXXX " XXXX '' ) to assist him in a short sale of his property located at XXXX XXXX XXXX. XXXX XXXX granted a 2nd mortgage loan to XXXX on XXXX/XXXX/XXXX which loan was then taken over by FDIC and assigned to XXXX Bank in XXXX. XXXX Bank in turn assigned the loan for servicing to XXXX XXXX in XXXX. XXXX XXXX went out of business and Credit Control LLC took over their accounts. As per XXXX XXXX, a manager at Credit Control LLC, their records show that they have released the mortgage in XXXX but the records do not state who took over the servicing of the loan. Credit Control sent the right to service the loan to an unknown entity. XXXX XXXX has not received any correspondence since XXXX in regard to the servicing of the loan. Credit Control LLC never informed XXXX XXXX that it had taken over for XXXX nor did it inform XXXX XXXX who Credit Control sold/transferred the servicing rights to.

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 2021-02-28
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
I previous complaint I submitted was resolved with satisfaction. I received a refund and enrolled in covid assistance. After I received the refund the balance was added back to my account as agreed, however my credit limit was reduced. The limit reduction with the balance added back significantly impacted my credit score. This is not align with the Fair Credit Reporting Act. The company decided to refund the payment to assist with my hardship. My credit limit was {$15000.00} and reduced to {$4500.00} on the statement dated XX/XX/XXXX. 

Ive contacted the company for an explanation of the reduction as I have never had a missed or late payment. Ive contacted the company to increase my credit limit. As of XX/XX/XXXX I have a balance of {$18000.00} with a credit limit of {$4500.00}. I am enrolled in the Special Program that require auto draft of {$390.00} every 14th of the month and freezes card use while enrolled. My credit limit needs to be increased back to the initial limit while Im in the program and unable to use the card. The current credit limit is not an accrual reflection of my account and is unfairly impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
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 second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Transunion is showing that I have over 30 inquiries when I didn't authorize and it caused a big drop in my score. I disputed the same problems with XXXX and XXXX, both bureaus fixed the problem. Transunion is giving me a hard time. I reported to that my credit and personal profile been hacked in which I never been a situation such as this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: IL
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 Account # : XXXX, Amount {$36000.00} XXXX XXXX XXXX XXXX Account # : XXXX, Amount {$9600.00} -XXXX XXXX Account # : XXXX, Amount {$740.00} -XXXX XXXX Account # : XXXX, Amount {$800.00} -XXXX XXXX XXXX, Account XXXX XXXX XXXX, Amount {$2300.00} -XXXX XXXX, Account # : XXXX XXXX Amount {$540.00} All credit accounts listed above 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 XXXX 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 2018-08-03
Company: EQUIFAX, INC.
State: OH
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:
Since approximately 2011 I have had issues with the credit bureau 's.  I attended XXXX XXXX XXXX with loans and grants. I only completed 1/4 of a semester. I requested a statement from the bureau on how this is correct with itemization as with loans and grants not used there is a credit that needs to be applied back. XXXX XXXXXXXX XXXX XXXXXXXX. provided the bureau with signed loan documents however that means nothing when the whole amount was not used. The department failed to provide adequate documents to justify the amount borrowed was used in full in reference to classes taken. That alone is enough to presume that this is fraud by the XXXX XXXX   XXXX XXXX and XXXX XXXX to collect money from loans and grants that was not used in full. This impacted my score greatly, caused money problems in my life, and an issue with my tax money that was owed to me. It was not proven beyond a shadow of a doubt that I owed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I 'm in the middle of a foreclosure modification with Bank of America. Bank of America has refused to answer the phone, return my voicemails. Bank of America has filed a Lis Pendens. I have a contract to sell in order to avoid foreclosure. Bank of America 's attorney told me that my mortgage was being served by XXXX. I want to avoid foreclosure but Bank of America will not communicate with 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