BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 receiving Transunion response to my investigation request, claiming that my inquires are " a matter of factual record, '' I called the companies that made the inquires and they told me there was nothing they could do and I would need to open an investigation with you directly. 

Upon getting this very frustrating answer, I did some investigating of my own. What I discovered is that the only permissible purposes for pulling someones credit are : A firm offer of credit Insurance Employment Court Order Since none of the reasons listed above apply to my situation, I am demanding a re-investigation by Transunion ( as is my right according to the FCRA ) and that the inquires listed below be removed from my credit report.

* I have sent 5 letters to Transunion which were received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX pertaining to these Hard Inquiries removal.

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: AR
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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT. XXXX  XXXX {$230.00} XXXX XXXX {$4200.00}

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 2018-08-10
Company: EQUIFAX, INC.
State: NJ
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: Information is incorrect

Complaint:
XXXX my concern is that why is my credit score so low and my income even my income taxes that as an adult I have no mortgage loan originator or rental history or Job as a woman that has put me in a position to be self sufficient or secure in employment. I was recently told by unemployment that I did not make enough money in a quarter of {$8500.00} to get unemployment benefits and unemployment told me to apply for XXXX XXXX and the company I last worked for told me that I can get welfare who does that. I have not been able to even get anything to build my credit score according to XXXX and I put a fraud alert on my account because I was afraid that the mailing address I am using will get credit for me using this address, because I have been trying to get a place on my own as a woman and had to sleep on couches, in people 's cars, in train stations with drug attics and shelters with mental problems and not eligible for these welfare programs but told by XXXX XXXX that I can work and get food stamps as an individual even with my children.Its sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I called XXXX XXXX, Equifax, XXXX to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: MORTGAGE CENTER, LC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX, we refinanced our home from XXXX XXXX to the Mortgage Center. This refinance was to pay off XXXX XXXX, Hud, and MSHDA. We thought everything was fine, until XXXX of XXXX we applied for a HELOC at our credit union. The credit union advised us that there was a lien on our home from HUD. We were very confused and reached out to HUD  ( which wasnt easy ) and found out we needed to contact XXXX who handles their payments and payoffs. We found out that XXXX sent XXXX XXXX the wrong payoff. The payoff was for a person with the last name in Florida. XXXX XXXX sent the payoff to The Mortgage Center. Not one person noticed that the information was incorrect. The information was sent over to XXXX XXXX and a check was cut for {$7800.00}. Our original amount that we owed was {$10000.00}. After us contacting XXXX, XXXX did go ahead and credit the {$7800.00} to our account, but we now have the {$2900.00} that we have to somehow come up with to pay off the lien and be able to get our HELOC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has violated my consumer protection laws. I am a federally protected consumer. They are saying that I owe them a debt which is false and they are reporting my personal information to the consumer reporting agencies without my consent. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). 
Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit.

Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( XXXX ) the false representation of XXXX XXXX XXXX the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt. 
I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please update my current address to the following. I have included a copy of my Driver 's license I also want an updated credit report. 

XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, Texas 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 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

BANK OF AMERICA is currently showing 30 days late ( XXXX 2021 ) in XXXX and XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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 2018-06-30
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: Their investigation did not fix an error on your report

Complaint:
I obtained a copy of personal credit report on XX/XX/2018 from both credit bureaus Experian and XXXX. I noticed that some of my student loans through XXXX XXXX XXXX was on my report twice on XXXX. I wrote a letter asking them to verify and delete all double reporting that has had a great impact on my credit score because it made my debt well over {$160000.00}. XXXX   investigated this claim. many accounts were taken off. Then when they sent my credit report I noticed that some of my accounts from XXXX XXXXXXXX XXXX was deleted that were still in good standing. As ofXX/XX/XXXX both credit report reported that my student loans were included in an active Chapter XXXX, and or XXXX. I have submitted several documents that have proved that my loans were in fact in a forbearance never late. On XX/XX/2018 I was notified from XXXX   XXXX XXXX that my consolidation was approved and what my payments will be. The loans on the Experian report went into paid/closed status. The late payment for XX/XX/2018 was never removed and I never recovered my points back.

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 2021-07-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted XX/XX/2021, and spoke with XXXX XXXX of XXXX XXXX XXXX in XXXX, CA. He said I was being sued for a credit card debt by Wells Fargo for is {$11000.00}. He was verifying if I am the person on file, and said that I was being named as a defendant in a lawsuit for the above amount, by Wells Fargo. He had a lot of correct information about my current address, former addresses, my employment, and family member names. He gave me the credit card account number, and dates it was opened and closed. I denied that the credit debt was mine and he said I may be a victim of fraud. However, since I confirmed I was the person on file, they will move forward with the lawsuit and begin the process of wage garnishment. I contacted Wells Fargo and they have no record of any credit cards in my name or under my SSN. I believe this company is fraudulently trying to collect money using the threat of lawsuit.

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 2021-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update my current address to the following. I have included a copy of my Driver 's license I also want an updated credit report. 

XXXX XXXX  XXXX XXXX, Apt XXXX XXXX, Texas 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 2018-06-18
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
Equifax Credit Bureau is refusing to follow the 5 Days REINSERTION LETTER. I had a debt that was removed and deleted from my report ( XXXX XXXX XXXX {$1500.00} ) I applied for credit and noticed that the reason I was denied and the reason my score decreased by 100+ points were because of a collection debt, which is XXXX   XXXX , same creditor same amount that was removed previously.. So, I questioned the company why I did not receive an reinsertion letter? They're not giving me any responses. They just keep saying that they will begin an investigation but my concern is why every year I have to do an investigation on the same debt and why they are not communicating with me before they start adding deleted items on my credit report? This is my life and credit is a major issue in todays society. Please help me with my further steps ... I have contacted Equifax Management team, Fraud Dept, Equifax Disputing Dept and they are putting me on 50+ minute hold times and they hang up and say well the law is 30 day investigation. I'm saying and the law says 5 day reinsertion they ignore me on that law and Act ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Was not notified of investigation status or results

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requestingsome accommodations so I care to protect the integrity of my credit file.XXXX XXXX XXXX XXXXXXXX # XXXX account is reporting 30, DAYS LATE XXXX XXXX XXXX XXXX # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 
I have some inquiries that I do not recognize from the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PO Box ADDRESS IS INCORRECT AND DOES NOT BELONG ON 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 non-monetary relief
Consumer complaint received 2020-10-13
Company: EQUIFAX, 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 filled FOUR dispute with Equifax over inquiries that do not belong to me. I have submitted police report, FTC reports and notarized statements, including formal disputes through Equifax and they will not remove these inquiries. My profile has been flagged with having identity theft since XX/XX/2014 and all of these inquires occurred after that date while my account was locked. The last dispute i received a autoresponder message from Equifax informing me of how long inquiries stay on my report. The inquiries do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: LEXISNEXIS
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:
I contacted Lexis Nexis two months and disputed a Bankruptcy for XXXX Dollars. They never sent me any information nor did they remove the inaccurate reporting. I did another Dispute called and talked to a XXXX who stated that court give them the information. He stated they have court runners, and they also have a third party they go through, but he couldn't give me that information. I told him he was violation my rights without verification he refused to do it. I wrote the court a letter, and they responded. They refuse to send me validation or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello thank you for considering my complaint. Ive never had to deal with this before so its all new to me. My young family of XXXX & I were living in an uninhabitable apartment in XXXX XXXX due to mold ( actual mushrooms growing out of our kitchen ceiling ) & we withheld rent for 24 days and then moved out. The apt was proven uninhabitable by a remediation company that took samples & by the citys code enforcement. After moving out we received a letter on XX/XX/2020 from our ex landlord asking for us to pay {$1800.00} for those 24 days of XX/XX/2020. We wrote a letter back saying we do not owe the debt and the reasons why. Another month or so later we received a debt collection letter from Caine & Weiner ( attn XXXX XXXX ) for that debt that the ex landlord was trying to collect. We sent a dispute letter to debt collector in response within the 30 days. I also sent in a letter explaining to the debt collector explaining why do not owe the debt including pictures of the mushrooms, mold reports, etc. Just recently, we received our 2nd debt collection letter from the same person/collection agency and am not sure how to move forward. Any help would be much appreciated. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: ID Analytics, 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: Credit inquiries on your report that you don't recognize

Complaint:
Someone applied tons of loans in my name and open up few fraudulent accounts in my name and I keep getting rejected for a recent loan in my name and I cant get a copy of my credit report and they dont have a human phone number to call and I would need some help with that if possible I tried everything to get help and I would like to dispute in the inquiries and phone numbers on my credit reports I was told there were a recent number change on my credit report I never changed my number XXXX also have another issues the creditor cant verify my identity if I were to open up a account such as banks credit cards or produce any security questions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reviewed my credit report and have found several inquires that I did not authorize. i understand that anything on my report needs to be authorized by me to report otherwise it is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT. XXXX  XXXX {$230.00} XXXX XXXX {$4200.00}

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