BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: Experian Information Solutions 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:
I'VE CONTACTED EXPERIAN VARIOUS AMOUNT OF TIMES TO HAVE ITEMS REMOVED FOR INACCURACIES. THAT HAVE YET TO ADDRESS THE DIRECTLY AS THEY HAVE BEEN PUTTING THEM OFF. I HAVE SENT ALL OF THE ITEMS THEY REQUESTED BEFORE AND STILL WILLFULLY NEGLECT TO ADDRESS OR CORRECT THE WRONG INFORMATION THE CONTINUES TO STAY ON MY CREDIT REPORT. i AM ALSO A VICTIM OF IDENTITY THEFT AND ADDRESS THIS ISSUE WITH LAW ENFORCEMENT AND HAVE OBTAIN A POLICE REPORT WHICH I HAVE INCLUDED IN THE DOCUMENTS ALSO. I REQUEST THAT EXPERIAN PROVIDE ME PROOF THAT THEY ADDRESSED MY CONCERNS THOUGH UGLY AND REQUESTING A METHOD OF VERIFICATION OF ALL THE ITEMS ADDRESSED. I REQUEST ALL THE WRONG INFORMATION BE REMOVED AS I HAVE SUBMITTED TO THE CRA ALSO.I 'VE CONTACTED EXPERIAN VARIOUS AMOUNT OF TIMES TO HAVE ITEMS REMOVED FOR INACCURACIES. THAT HAVE YET TO ADDRESS THE DIRECTLY AS THEY HAVE BEEN PUTTING THEM OFF. I HAVE SENT ALL OF THE ITEMS THEY REQUESTED BEFORE AND STILL WILLFULLY NEGLECT TO ADDRESS OR CORRECT THE WRONG INFORMATION THE CONTINUES TO STAY ON MY CREDIT REPORT. i AM ALSO A VICTIM OF IDENTITY THEFT AND ADDRESS THIS ISSUE WITH LAW ENFORCEMENT AND HAVE OBTAIN A POLICE REPORT WHICH I HAVE INCLUDED IN THE DOCUMENTS ALSO. I REQUEST THAT EXPERIAN PROVIDE ME PROOF THAT THEY ADDRESSED MY CONCERNS THOUGH UGLY AND REQUESTING A METHOD OF VERIFICATION OF ALL THE ITEMS ADDRESSED. I REQUEST ALL THE WRONG INFORMATION BE REMOVED AS I HAVE SUBMITTED TO THE CRA ALSO.

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 2022-04-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Ive tried calling Experian to add some necessary name variations to my credit report, but they said they cant add themonly remove. That doesnt make much sense considering people get married, use aliases, etc. and my name variations are only different ways to format my full name, so it shouldnt be that much of a hassle to add. I need them added for identity verification purposes whenever a creditor pulls 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 2019-06-30
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was placed on my credit report and was previously deleted. However, the same company has placed the deleted account back onto my credit report causing my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX  XXXX {$5100.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}

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 2017-10-07
Company: Experian Information Solutions Inc.
State: ND
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. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX Bank XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX, 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 non-monetary relief
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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: Information belongs to someone else

Complaint:
I believe I may be a victim of identity fraud by this company. Per my Transunion credit report, it states " XXXX XXXX '' had a permissible purpose and written authorization to receive my credit report on XX/XX/2021. However, to the best of my knowledge I have never applied for credit or a loan with this company, have an established business relationship, been offered a firm offer of credit nor have I given written authorization to pull my credit report. I have attempted to communicate directly with the company to voice my concerns and get additional information on this matter. However, despite the phone calls and emails, my attempts to resolve this matter have failed. I have questions that only XXXX XXXX can answer. 
I need to know did XXXX XXXX have written authorization and permissible purpose to receive my consumer credit report? I need to know was their an application for credit submitted in my name fraudulently? If so I will need that documentation to contact Transunion and dispute the inquiry and place a fraud alert on my file. I did not apply for credit via XXXX XXXX platform and I need to have the issue cleared up prior to contacting the credit bureau to have this inquiry removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: MO
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:
There was an account that was reinserted on my Consumer Report Illegally from Experian, XXXX, and XXXX. The account was deleted and then on the same day it was re-inserted without my knowledge or consent and thats violation of my consumer rights.

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 2022-04-04
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received collections notices on a {$310.00} debt back in XXXX from a medical appointment made back in XXXX, this amount has since been paid. However it is still being reported on my credit. I attempted to dispute this derogatory mark back in early XXXX, now they're refusing to remove the mark because they " can not locate '' me.

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 2021-05-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All three credit bureaus XXXX XXXX and equifax ] is fraudulently reporting a high credit card utilization for seversl credit cards when I only have one card. It's impossible. It must be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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 status incorrect

Complaint:
Dear Sir/Madam : These are inaccurate reporting of late payments. Please remove the inaccurate late payment from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have previously submitted a complaint about the payment count for the PSLF program. The results returned as a range of 63-80 payment counts for the individual loans. I do not understand how I can have different payment counts since my loans were consolidated when I graduated in XX/XX/XXXX and began payments in XX/XX/2011. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: IL
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:
I have numerous credit inquiries that are not recognized on my credit reports. I have sent letters to each credit reporting agency including experian, XXXX  and XXXX. I have no help and no reply as to what needs to be done. I would like them to acknowledge that these are fraudulent credit inquiries or at least not authorized by me and remove them. I even received one credit card for XXXX XXXX that was applied for as well, the problem here is im a man why would i need a XXXX XXXX  card for? I have several disputes that just do not get taken care of too.

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 2019-04-05
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 loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
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:
I obtained a copy of my XXXX  credit report and observed a credit inquiry from one main financial on XX/XX/2017 which I did not authorize and is having a negative impact on my credit history.one main financial has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
IRS Tax refund ( XX/XX/XXXX ) of Maryland state tax refund ( XX/XX/XXXX ) sent to wrong bank USAA Federal Savings Bank to an account with no affiliation. IRS on XX/XX/XXXX and MD XXXX on XX/XX/XXXX have requested the tax refund to be returned to them so that my refund can process and sent to me. The USAA savings bank has not released the money after verifying it is there in someone elses account where I have no affiliation. This should have never been accepted by the bank. I spoke with XXXX in member security and XXXX bank ID # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We sold the home and closed on XXXX/XXXX/219, the Nationstar mortgage was paid off XX/XX//2019.  We made the XXXX/2019 payment. We were never late, ever, on this account! Now Nationstar reported both of us on this account as 30 days late in XXXX 2019? We have mailed dispute letters to all bureaus and a direct letter to Nationstar. Have not hear anything back? We are trying to close on a new mortgage in XXXX, but this will not happen with this egregious payment error on both of our credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I initially pursue to buy a Warehouse, so my realtor recommended me to talk to a mortgage manager at XXXX XXXX Florida, we started the process in XXXX, since we only had a 10 % as downpayment we needed to involve the XXXX as well, we have our first interview, and then a month later, the loan manager ( XXXX XXXX ) came to my office to sign all papers, and he leaves a copy with all the expenses, except for the legal fees, which according to him, were hard to calculate, i asked several times about these fees, in order to have a good idea about the closing costs, but his answer was always the same. 
Finally, at closing date ( XX/XX/XXXX ) and an hour before signing, we received the HUD with all the closing costs, to our surprise, Legal fees were separated into 2, one for XXXX XXXX  Florida and the other for the XXXX, which together makes a total for {$10000.00} ( Hud Attached, points XXXX & XXXX ), im also attaching all the documents signed, to show that none of the documents provide an estimate on the legal fees, this extra {$10.00} that we didnt have into account, make a huge hole in my companies financial, to the point i had to skip my salary and stop pre-orders in order to be able to comply with my current debt. 

I complained about this at signing, but i had no choice to either sign and pay the XXXX, or to loose my deposit and all the fees and expenses that i had already paid ( {$5000.00} deposit + {$2000.00} ( appraisal ) + {$1200.00} ( bank fees ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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:
I went to XXXX XXXX on XX/XX/XXXX to get a personal loan and they denied me, didn't understand why and even was upset because I have good credit. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. 

I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CMRE Financial Services, 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:
CMRE FINANCE Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$610.00} My name is XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : CMRE FINANCE Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$610.00} ; CMRE FINANCE Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$830.00} ; CMRE. XXXX Original creditor : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$310.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: IL
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 completing payments back in XX/XX/XXXX with my XXXX XXXX XXXX  a company called the XXXX XXXX XXXX they refused to report my closed account. I called them many times to speak with a manager and still haven't heard back. Then I see a new report on my credit company from the auto warehouse which isn't the finance company I was paying. They also deleted all my on-time payments. I paid easy acceptance in full and then they add late payments under a different name. My payments were never late seeing that I had 2 payments per month. I've never had an auto wear house on my credit until XX/XX/XXXX. All payments were through the finance company 's easy acceptance. I talked to a lady named XXXX and after she stated that the auto wear house is the finance company. Then she tells me I was late in XXXX. But I closed my account in full in XXXX. The payment arrangements always kept me on time. They are doing some fraudulent reporting and trying to cover their tracts with false 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 2021-10-18
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 my laptop froze and I called a XXXX got impression it was agent with XXXX. ( XXXX  ) I was told my social security number was compromised. I never asked any questions, not smart. Agent connected me to Ms XXXX XXXX who said she work at America First Credit Union fraud prevention XXXX, UT. Each time we talk I had a reference number. XXXX also connected me to Social Security Admin. Officer XXXX XXXX XXXX badgeXXXX. ( XXXX ). I was told I had to change my ss # using form XXXX XXXX  XXXX. To safe guard my money I was advised to write 11 times large amounts of money. I had a router number, account number, XXXX XXXX in NY. And XXXX XXXX, XXXX from XXXX XXXX was beneficiary. About XX/XX/XXXX XXXX went dark, phone number was no loner working. A police report was made, IC3 was filed, fraud with FTC was filed and all 3 credit bureaus I freeze.

Company response to consumer: Closed with explanation