BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: WI
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 on these accounts. I am never been late in this account.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00}.

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 2020-12-03
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX I applied to refinance my existing mortgage on my property at XXXX XXXX XXXX XXXX NC XXXX. Adviced Freedom mortgage I was retiring on XXXX XX/XX/2020 I really needed to refinance my loan ASAP - they my information and later said they will be closing on the loan in XXXX or XXXX. XXXX Went so as XXXX contacted freedom mortgage they said th etitle company in North Carolina they are working with wants my wife on the loan - I told my wife will not be on the loan becasue she does not reside in the US and she does not plan to move to the US! they replied saying North Carolina law wife is mandated to be on the loan regardless she needs to send a power of attorney for me to sign for her - So she sent me the power of attorney I paid out of pocket - sent it to freedom mortagage and they said the title company wants it in a different format - so my wife sent another power of attorney I gave it to freedom mortgage and the title company - XXXX went by and freedommortgage said they need the original I told them all mail coming in from XXXX is blocked becasue of the COVID wont resume until XXXX - I requested to fnd another title company but instead they closed the loan and said they will have to restart everything - I filed 20 complaints with the company through the 6 month span with my loan office, customer service, loan officer supervisor and the manager of the refinance section, also filed a complaint with the their title company section, and the escalltion dept ..folks on the lower level said they understand my frustration but they dont make the final decision - desicion is made by their managers- they totally shut me off! Now Im pulling money from my savings to supplement paying the mortgage - may have to sell the home - this company needs to checked for fraud they had lied to me that they can not find another title company they also lied saying without the original power of attoney the loan can not be closed. All service members should be warned about freedom mortgage I told them last week if they dont provide a good explanation of why they cancelled my loan and not accepting the fax documents ( power of Attorney ), or waiver the original document, whyy they didnt find another title company - I will report their lack of accountability they pretty much screwed me over with this refinance wasted 5 months when I should have went with another lender! 

I have email corerspondence - as for call in I beleive they deleted the historical records they cant find some of it - I probably called in more than 20 times I lost alot of money from my saving and these people dont seem to care!

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 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I made several complaints about negative items reporting on my credit that are fraudulent and should be removed permanently from my file yet I haven't heard anything in response to my demands in months. This is outrageous and I demand this be rectified immediately as it is damaging my ability to obtain new credit. I had a change in address and provided the supporting documents.

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 2018-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
m disturbed that TranUnion and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/2018 and reapplied/put back on to my credit file today XX/XX/2018. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.

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 2022-10-03
Company: EQUIFAX, 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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was closing my checking account in  XXXX    XXXX   and stopped electronic debit. I made a phone payment from my new account for the  XXXX  payment. The mortgage company also withdrew a second payment from the old account before it closed. They would not reverse the second payment saying I can skip the  XXXX  payment. I set up automatic debit from the new account for The  XXXX  payment. The mortgage company tried to withdraw from the closed account on  XXXX   XXXX . The payment bounced and they charged {$87.00} in late fees and an online payment. I tried to delete the old account from their records but ca n't. I called customer service ( in the  XXXX  ) but the representative could make no changes. I asked to transfer me to a USA representative but he told me I was unauthorized. I do not know how to fix the problem as the incompetence is at all levels. I believe they want the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 U.S.C. 1681 Account : XXXX Account # XXXX Account : XXXX XXXX  # XXXX Account : XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account : XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX  XXXX # XXXX 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 an account without my written instructions.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance : {$72.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions 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 am a victim of identity theft. I filed the correct paperwork with the credit reporting agencies per the FCRA. They have not been attached to my disputes and the disputes have not been done correctly. And I have not been given copies of the verification process. 

This is the account : XXXX Bankruptcy Dismissed

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 2022-07-20
Company: EQUIFAX, INC.
State: VA
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 submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX XXXX XXXX  Original creditor XXXX FOR XXXX XXXX  Last activity XXXX Balance $  XXXX  Monthly payment {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX  Last activity XXXX Balance $ XXXX  Monthly payment {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$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 2018-04-14
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After providing their internal file number for me ( XXXX ), Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.

The items I asked to be investigated are as follows : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  not mine

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 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
After several requests, TransUnion has not removed my credit freeze. This has negatively impacted my credit rating.

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 2017-04-12
Company: Robinson, Reagan and Young PLLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After pulling my credit report as a  XXXX   year old  in   XXXX   XXXX   I discovered  XXXX  and  XXXX   XXXX  had placed an account onto my credit report with all bureaus. I have absolutely no knowledge of this account and immediately proceeded to take the proper steps to identify the account. After calling and speaking to a rep I was given the name of the original creditor whom I contacted shortly after. After speaking with the original creditor by giving my social I was able to find out that the account that existed did not match my legal first name what so ever. From there it was n't hard to determine that someone had fraudulently used my social security number and attached it to their own name.     I contacted the office several times via written letters demanding that they provide me with proof that the account that existed on file was in fact mine. In my validation request letter I disputed the entire amount, explaining that the account was opened while I was an 18 year full time old college student living in a completely different state.     Each time  XXXX  and  XXXX   XXXX  has failed to respond and provide me with any verification that I owe the debt or any documentation/proof from original creditor. After speaking with a lawyer it is my understanding that under FDCPA, I have the right to debt validation and a collection agency must prove that they have the legal right to collect a debt.     This fraudulent collection account had prevented me from receiving/opening accounts and ultimately caused me a considerable amount of hardships over the past 6 years.I am reaching out to the  Consumer Financial Bureau as  a last step in order to avoid legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: KY
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 disputed the follwing at Experian credit reporting agency. in addition, on XX/XX/2018, asked them to validate the debt. Experian failed to validate the debt and only updated the debt. 

Results Report Number : XXXX Date Generated : XX/XX/2018 XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 




Also, XXXX and XXXX could not validate this incorrect debt and XXXX and XXXX has removed the negative entry.

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 2017-04-21
Company: D. SCOTT CARRUTHERS
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have defaulted with a private student loan a couple of years ago. Now a collection agency/ '' lawyer? '' has been contacting not only me but also my mother as well as my boss several times a day leaving extremely rude messages and trying to get personal information from my job. On top of this they have tacked on interest of {$8300.00} and a collection cost of $  XXXX  The school I attended was the  XXXX   XXXX  of California in  XXXX   XXXX

Company response to consumer: Closed with explanation