BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-25
Company: Receivables Performance Management, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Prior to XX/XX/XXXX I was with XX/XX/XXXX for home dsl service. I moved in XXXX and left owing no bill. By the time I got settled, able to take off work, and instructions on where to send the equipment back to covid happened and I couldn't go to the post office to send them back. On XX/XX/XXXX I received a hit on my credit from receivables performance. Then on XX/XX/XXXX I received ANOTHER hit on my credit from enhanced recovery company saying I owed XXXX for XXXX XXXX XXXX and they said it was equipment charges for failure to return. Both collection companies were claiming I owed for the same thing. I paid enhanced recovery company in full XXXX on XX/XX/XXXX. I have a letter from them confirming I paid in full. I forwarded that letter to XXXX XXXX a rep for receivables performance on XX/XX/XXXX and she responded back saying she wasn't finding anything with the information. I then responded back with other identifiers and never heard another word until today XX/XX/XXXX when a company called XXXX reported the same XXXX that I was disputing with receivables performance on my credit as a bad debt. When I called them they immediately opened a dispute and investigation. I then called receivables performance back and spoke to a manager that said that XX/XX/XXXX XXXX had closed the account with them as unpaid. They further told me that XXXX XXXX XXXX told them that I had two accounts that I owed for equipment which i only had one account.. Yet both XX/XX/XXXX and receivables performance are reporting the same debt negative on me. I called XX/XX/XXXX today and they can't even find the information because they misspelled my name on my account, another issue I had with them correcting and I had service for a while. I have emails, letter copies, numbers and addresses for all of these companies involved.XX/XX/XXXX has correctly reported this as paid in full so they're not the issue.

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 2020-09-10
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been sending correspondence to TransUnion since XXXX XXXX, 2017 to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XXXX XXXX, 2017. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX  {$730.00} Not the correct amount or account information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
For two months now I've gone above and beyond proving to Equifax my identity to remove a credit freeze. 
I then get the results, ( two letters disputing wether or not it had actually been removed made it even harder to confirm ) and Equifax has entered my correct legal name wrong into my credit report, ( this already had dire consequenses on my credit in the past ). 

They have entered my first name as " XXXX '' when it is in fact " XXXX ''. 

And they now deny me access to correct THEIR MISTAKE via customer service due to my not having 20 year old mprtgage records that the statue of limitations on is 7 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: MN
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:
Equifax is this report?? 
This information is wrong and you need to remove the entire tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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:
This is my one of 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. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
WE have checking account with Capital One on XX/XX/2021 I sold my car to XXXX XXXX for {$2900.00} and deposit the check on Capital One checking account, and on XX/XX/2021 I received email from Capital one that the checking account had unusual activity and I need to contact them I contact them and they told me that they need to talk to XXXX XXXX about the check, I gave Capital one XXXX XXXX telephone number and XXXX XXXX also tried to Call Capital One twice by himself, were put on hold for 1 hour then got hang up my checking account has been frozen since XX/XX/2021, which cause a lot of problems, I can not use my money in the account the {$2900.00} check clear on XX/XX/2021 but my checking account still frozen why do my whole checking account frozen?, seem like the reason for this is because I deposited the check which is good and clear please investigate this matter for us Thank you very much XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I'm writing you because I have been scammed by the realtor, inspector, lawyer, on a property that was to be move in ready. Roof leaks, molded, electric issues, no running water in winter months, furnace is broken. There was an escrow account set no account where did the money go? This a hud loan. The lawyer is refusing to help us. Need help can not fix and pay for the house. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.

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 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, unauthorized inquiries, nor did I live at these addresses.

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 2021-02-25
Company: Experian Information Solutions Inc.
State: LA
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:
In 2020 ( Complaint Number : XXXX ) was filed again XXXX XXXX /XX/XX/XXXXXXXX They replied back to the complaint saying the debt had been sold and CFPB just allowed for them to close it out. In the complaint I clearly indicated I received a notice from the Louisiana Attorney General indicating my car loan is involved in a litigation withXX/XX/XXXX and that I should be receiving my settlement along with my car loan being canceled/ updated on my credit profile since the settlement I have not received either or. I continue to get the run around saying contact XXXX XX/XX/XXXX ; contact my attorney General. I am in the process of purchasing a home & for the last 6 months Experian has been telling me to XXXX XXXX is saying that the litigation is false & their reporting is verified on their end but when I call Im getting other news. Or XXXX XXXX is not wanting to remove this and follow the settlement agreement. I want something in writing to go to my credit bureaus saying this needs to be removed & the ACCOUNT is in litigation. I dont believe this is fair. XXXX is already being sued due to the illegal abuse of consumers & now I have to endure people for 6 months reading a scripted line or telling me to call here and there. Again this is affecting my ability to obtain credit and rebuild my credit properly.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 non-monetary relief
Consumer complaint received 2019-08-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a nordstrom visa creditcard (issued by tdbank ) was closed by the grantor in XX/XX/XXXX, and there were pending charges on nordstrom.com were canceled. As a result, now I have overpay the balance, since all orders were canceled.  i want the bank refund the money how much i overpaid . I have called and talked to the customer service a few time and they said would call me back and never called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Too who it may concern. This is my 2nd mortgage. I'm current on my 1st loan with XXXX XXXX who modified my loan. I fail behind a few years ago and I'm unable to catch up. I paid a 3rd party to help me modified this loan, however they took my money. I'm scared and don't want to lose my home. I'm the only one working and my wife and kids need a home. I reached out to Franklin Credit for help and requested a settlement. My request was denied so I applied for a mod. I was approved, however they requesting a down payment of $ XXXX which I can't come up with. I counter with $ XXXX and I was quickly denied and advised to pay the full amount. My relationship manager XXXX is very rude and aggressive on the phone. I completely understand I owe the debt but I'm not asking for forgiving the debt. I can afford the modification that was offered, however I can't come up with $ XXXX. I'm asking for a reasonable amount for the down payment so my family and I can stay in the property. Please help me save my home. Again, my first mortgage is current and I'm ready to start making payments on my 2nd mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today, XXXX XXXX,2017, I tried to access my XXXX report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the XXXX data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the TransUnion report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.

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 2023-05-18
Company: EQUIFAX, 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:
This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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