BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX I purchased a home, to find it bat infested and uninsulated. XXXX XXXX XXXX hired a home appraiser which eventually after State of Wisconsin investigation this home appraiser was fined. Here I am paying a mortgage on a unlivable house. My heat bill first winter {$2300.00} even tho I froze, had pipes freeze. Winter # 2, {$1700.00}, still made house payment..then l get injured at work, fall behind on payments, even tho using work comp settlement $ to make place livable ( {$40000.00} XXXX XXXX XXXX HAS BEEN PAID IN FULL, YET XXXX XXXX XXXX   HAS DEGRATORY REMARKS on my credit reports which damage it for 7 years, YET I HAD TO PAY MORTGAGE ON UNISULATED AND BAT INFESTED UNLIVABLE HOME. CONSUMER RIPOFF!! No $ back or reduced interest on loan. No degrogatory remarks removed, XXXX is holding me hostage us what it feels like..No one wants to refinance even tho I'm sitting on equity due to multiple negative remarks from XXXX XXXX XXXX . A complaint of this also in State of Wisconsin   Senators office.

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 2019-02-01
Company: SYNCHRONY FINANCIAL
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:
Someone had pulled hard inquiries without my permission XXXX  1.XXXX XXXX, XXXX and XXXX XXXX 1. XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I XXXX : XXXX, XXXX have sent out cease and desist letters to XXXX along with debt validation letters. Today XX/XX/XXXX I still have 3 HARD INQUIRIES and LATE PAYMENTS that has yet not been removed, due to not having a wet signature or any consent in that nature, they have continued to not follow up with my letters nor remove what was demanded to be removed from my credit report. These being reported has brought my credit down tremendously. My family has not been able to get approved for a car, house or anything thats needed to get through life. I have been turned down getting approved for anything and its causing stress to me and my family, giving me hard times. 
INQUIRIES : XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 any 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 2022-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was never late paying XXXX XXXX XXXX XXXX I disputed the accounts with XXXX , XXXX  and Transunion but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Report filed with FTC for identity theft fraud report sent to reporting agencies Experian, XXXX, and XXXX dispute letters that identified fraudulent information for all three credit reports sent via mail fraudulent accounts used my correct information to update their information via disputes sent to credit agencies they have been harassing me since then. 
credit agencies refuse to correct incorrect 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 2022-09-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I dont understand how these people are getting ahold of my credit information. I NEVER had a XXXX account a day in my life so i Don't know what this Collection is about. The other 2 accounts XXXX and XXXX XXXX XXXX are linked to addresses that I've never heard of nor lived at in my life. I have lived at my current address since 2016 and i am still a current residence. Also Inquiries from : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Seems like someone is trying to use my credit to shop for a car. I am not looking for a car at the moment. Please delete these inquires as I did not apply for ANY of these 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 explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX collection has an account from esurance that was taken out by my ex-husband with a vehicle he financed in my name. In our divorce settlement in XX/XX/2020 he was ordered to take responsibility of that debt and all that related to it. I do not XXXX, I am legally XXXX, he is the one that was in charge of whatever insurance he wanted to put on there. This is not my collection, I did not open this account- it was done online by him like everything else he did behind my back. If anything its my ex-husbands and it should go on his credit report. I even offered this company to pay them the full balance to remove this incorrect account collection on my credit report and they refused to remove it. That was me being considerate and now I have to get legal over a debt that doesnt belong to me for a lousy {$86.00} but it is the principal and the violation of my rights under the fair credit act. Every dispute I have filed they have taken over 45 days to respond and my lender/loan officer is upset. I have excellent credit without this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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: Account status incorrect

Complaint:
XXXX XXXXXXXX is reporting that I was 30 days late in XXXX but I have an autodraft from my account every month. I have never been late, and would like for them to remove the 30 day late payment from my report, as it's been reporting as false.

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 2023-07-14
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-05
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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: WI
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:
2013 I purchased a home, to find it bat infested and uninsulated. XXXX XXXX XXXX hired a home appraiser which eventually after State of Wisconsin investigation this home appraiser was fined. Here I am paying a mortgage on a unlivable house. My heat bill first winter {$2300.00} even tho I froze, had pipes freeze. Winter # 2, {$1700.00}, still made house payment..then l get injured at work, fall behind on payments, even tho using work comp settlement $ to make place livable ( {$40000.00} ) XXXX XXXX HAS BEEN PAID IN FULL, YET XXXX XXXX XXXX HAS DEGRATORY REMARKS on my credit reports which damage it for 7 years, YET I HAD TO PAY MORTGAGE ON UNISULATED AND BAT INFESTED UNLIVABLE HOME. CONSUMER RIPOFF!! No $ back or reduced interest on loan. No degrogatory remarks removed, XXXX is holding me hostage us what it feels like..No one wants to refinance even tho I'm sitting on equity due to  multiple negative remarks from XXXX XXXX XXXX . A complaint of this also in State of Wisconsin Senators office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$5600.00} XXXX XXXX {$1700.00}

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 2022-09-24
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 60 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. Also, per FRCA it is required that Im provided proof of original documentation bearing my signature and/or method of verification used within 15 days of a completed investigation, which I received neither. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the XXXX data breach.

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 2019-02-01
Company: BMW Financial Services NA, LLC
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:
I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX 1. XXXX  XXXX  XX/XX/XXXX 2. XXXX/XXXX XXXX XXXX XX/XX/XXXX, 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XX/XX/XXXX 6.XXXX   XX/XX/XXXX 7.XXXX/XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX   XX/XX/XXXX XXXX  1.XXXX/XXXX  XX/XX/XXXX XXXX   1.XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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: Account information incorrect

Complaint:
XX/XX/2021 i was under the impression that my mortgage payment was processed with XXXX XXXX. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called XXXX XXXX  to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my transunion and XXXX so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called XXXX a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from transunion and XXXX. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.

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 2023-06-16
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: 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 2023-05-11
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:
Attached you'll find the identity theft report I filled out with XXXX XXXX. You will see the accounts listed on the report. 
XXXX XXXX {$850.00} opened in XX/XX/XXXX XXXX XXXX {$13000.00} opened in XX/XX/XXXX XXXX XXXX XXXX {$2700.00} opened in XX/XX/XXXXXXXX XXXX XXXX  {$13000.00} opened in XX/XX/XXXXXXXX XXXX  {$580.00} opened in XX/XX/XXXX The credit bureaus are reporting inaccurate information that doesn't pertain to me under 15 USC 1681. I am in the process of buying a house and it's also a defamation to my character and livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX I have a Mortagage with Chase I've had my Mortgage with them since XX/XX/XXXX and I have never been late or missed a Payment I pay my Mortgage every XX/XX/XXXX of the month in the amount of XXXX over the phone, on the XX/XX/XXXX, or XX/XX/XXXX of XX/XX/XXXX I decided to pay extra towards my principal in the amount of XXXX $ dollars to be debited on the XX/XX/XXXX, on the XX/XX/XXXX of the month I called chase to make my mortgage payment in the amount of XXXX which is my mortgage amount, I was debited twice for the online payment of XXXX plus the XXXX $ dollars for principal, and the phone payment in the amount of XXXX. I called to check to see if my payment was accepted as I do every month after every over the phone payment and the recording said XXXX plus dollars I called chase immediately and they returned one payment and asked me which one did I want to pay I told them to disregard the additional XXXX $ just my regular payment they debited one and returned one. I received a letter the next month stating I didn't pay my mortgage in the month of XX/XX/XXXX I've sent them bank statements from My bank XXXX as well as copies from my bank statements, plus I bank with chase and XXXX and chase can see I paid, I tried contacting XXXX cause my credit score has dropped tremendously. Chase will not help me. I also talked to Managers, several people at the bank that also said they see the error but its nothing they can do. I'm out of XXXX that I cant afford and my credit score has been affected and they are calling me a  Thieve and a Lier!!! I'm neither I pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Equifax Account type- Collection Account Status- Closed Date Opened- XXXX/2014 Payment Status- Unpaid Amount- {$290.00} This is an OLD account that should have fallen off my credit report and it was handled years ago in a dispute. The case was paid by my insurance and verified YEARS AGO. Both XXXX and XXXX are no longer show this on my credit report.

Company response to consumer: Closed with non-monetary relief