BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: TN
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 are fraudulent and innacurate accounts reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is through XXXX bank serviced by Loancare. In XXXX I used 180 days covid Forbearance due to covid related income loss. I requested to end it after 90 days but they somehow had it continue and end after 180. I resumed payments, have never made a late payment. In XX/XX/XXXX I lost my job for having covid. I was out for XXXX  days, XXXX of which I had 102+ temps, was out on oxygen, etc. I returned to work on XX/XX/XXXX, and on XX/XX/XXXX the owner of the company told me covid was fake, that sick days werent for the sniffles, that I wasnt allowed to use my sick days for it, and after saying thats not legal in Nj, I was told he makes the rules, not the government, and was told to return my laptop and badge. I paid my XXXX mortgage, but researched and found that lenders are required to extend an additional 180 days of forbearance for covid related loss if the applicant requests. On XX/XX/XXXX I applied to extend my forbearance and received email confirmation that it was received and would be reviewed in 3 business days. On XX/XX/XXXX I called to follow up and they couldnt find the application. They had me reapply while on the phone and completed the interview. On XX/XX/XXXX I called to follow up again, and was now told that Both applications were missing, even though the notes from the XX/XX/XXXX call stated it was reapplied for. I applied a XXXX time, and emailed XXXX loancare through their help portal. On XX/XX/XXXX I received a call in response to my help request and was told they are not required to extend beyond 180 days. I submitted a XXXX application and called back. I was sent to loss mitigation, who confirmed they ARE required to extend an additional 180 days if requested, but when she tried to do it, she now found none of All XXXX applications, just the notes stating they were submitted. Again, I have email confirmation from Every application. She had no idea why they were deleted and told me to call back on Friday XX/XX/XXXX. On XX/XX/XXXX I call and theres still no record, and no one could tell me what to do. I applied a FIFTH time and I asked who I talk to about it because Ive been trying to apply now for over a month, and no one knew an answer. How are they not required to have their act together for this?? I guarantee this is going to Tank my credit score Tuesday even though I have done Everything I am supposed to do to request the forbearance that Im legally entitled to. I am hoping this will force someone that can actually do something about it, to help and correct the situation.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO XXXX, XXXX, & TRANS UNION THAT PER THE FAIR CREDIT REPORTING ACT, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX, nor have I signed any contracts with these companies. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX to delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX XXXX XXXX, and Transunion directing them to REMOVE these erroneous entry as well.

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 2019-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
capital one data breach and XXXX capital one sending out fake letters that the fib stopped the data breach can they say that without a reasonable doubt why? DATA breach is a DATA breach how do you know the FTC violation that it will cause or already caused no one knows get it fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: AES/PHEAA
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: Account information incorrect

Complaint:
After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to fedloan servicing, XXXX, XXXX, tXXXX and any other parties who have access to my information and debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Transunion Credit Reporting services is not accurately reporting the amount on my XXXX XXXX XXXX. Transunion is stating my account balance is {$290.00}, when it should read as {$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 non-monetary relief
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a response letter dated XX/XX/18 back from Experian, stating that the bankruptcy was verified through XXXX and that it is accurate, XXXX has deleted bankruptcy from my account, as well as XXXX. The bankruptcy courts do not report to the credit bureaus, and I also sent documentation of this as well

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: MA
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:
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 explanation
Consumer complaint received 2022-02-08
Company: DISCOVER BANK
State: NE
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:
I received an email on XX/XX/XXXX telling me Discover is closing my account due to inactivity. I paid off the entire balance in late XXXX & because I haven't charged anything on it in a few months, they are closing it. I called on XX/XX/XXXX ( one day after the email ) to discuss with them and it has already been closed- no negotiations. Closing this account will affect my credit- but they don't care about that. I am sure that this is legal or they wouldn't be doing it- but I think it's a horrible practice. So I am being penalized for paying my bills ... ... that is a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
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 am a victim of identity theft. XXXX  XXXX, XXXX XXXX  XXXX, and other miscellaneous inquires has fraudulent accounts on my credit profile that need to be moved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft. All XXXX being investigated by the XXXX. According to XXXX  XXXX, This information must be blocked immediately until the investigation over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-13
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 2020, I returned my car lease for Ford Motor Co. XXXX XXXX dealership agreed to pay any overage charges. After several months, I started to receive collection calls stating I owed Ford over {$500.00}. I immediately called the dealership. They agreed to pay Ford as they originally stated. However when they told us they would pay, they did not. I kept getting calls. Eventually XXXX XXXX made good on their word and paid the debt with an overnight cashiers check. This still ended up impacting my credit. 
Ford started by telling me they didnt see how my credit had any delinquencies shown by them though I provided evidence to them. I resubmitted that same evidence again and finally they agreed to support my request for help. 
I asked XXXX to correct this debt on my credit as well. They ended up contacting Ford on my behalf, admitting their fault and stated it was not my debt. Ford issued me a letter admitting fault as well and issued a letter to the credit reporting agencies. I have also personally disputed this charge off with XXXX XXXX approximately 4x. Always suppling evidence. I have also re asked Ford to again request the removal. I am desperate to have this removed my credit. It is seriously impacting my score. This debt was never mine. I have made several attempts with Ford and XXXX XXXX. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy.

Convergent Account # 12345, has violated my rights 15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Cash App prominently advertises that transfers are " fast and free '' and " Fast payments for free ''. 

But from XXXX : Cash App provides two options to transfer money into a third party bank account ; wait XXXX business days, or instantly withdraw with a 1.5 % fee. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
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:
On XX/XX/22 I filed a dispute on XXXX XXXX XXXX asking for this inaccurate debt be removed from my credit report. I also sent a debt validation and verification letter. Its still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft. All XXXX being investigated by the XXXX. According to XXXX XXXX, This information must be blocked immediately until the investigation over.

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 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX This letter is a formal complaint that you have failed to follow reasonable proceeders, in your operations, in your operations to ensure maximum possible accuracy. The first 2 letters I sent included my reinvestigation and demand to comply. I requested verification from my hard inquiries and collections. These items were updated but not deleted. I have the right to an accurate credit report. I will continue to file a complaint to the Federal trade commission, XXXX XXXX XXXX, and the Consumer financial Protection Bureau. 

Code : 110 Claim company will change.

Code ; 110 Claims Company will delete.

Code112 Claims inaccurate information. Did not provide specific dispute.

Code 704 : ATTN : Fraud dept ; item blocked per valid copy of police report.

Code 014 : Claims paid before collection status.

Code 015 : credit limit/High amount incorrect.

Code 0104 : consumer claims account takeover, fraudulent charges made on account.

Code 0105 : disputes the date of last payment/ opened first delinquency/billing/closed. 

On XXXX, XXXX I requested an investigation because I felt the items were not reported correctly or legally. I am concerned about the validity and accuracy of the recent investigation. Please send me the following information used to verify the validity of the following account ; Hard Inquiries : XXXX XXXX XXXX, XX/XX/ -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Collections : -XXXX XXXX XXXX XXXX $ opened XX/XX/XXXXreported XXXX Closed Accounts -XXXX XXXX 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