BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: Experian Information Solutions Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX ( DOB XX/XX/XXXX ). Today on XX/XX/XXXX I had called Experian to follow-up on the process of my disputes. I originally contacted Experian and wrote them a letter via mail asking them to dispute three accounts on XX/XX/XXXX. They sent me a letter back on XX/XX/XXXX asking me to confirm my identity. The following day I sent them back a copy of my social card, a XXXX XXXX XXXX bill and a copy of my id in which they received it on XX/XX/XXXX. It is now XX/XX/XXXX and I have not yet heard back from Experian. As the Federal Credit Reporting law states- ( FCRA , 15 USC section 168 li : failure to investigate these accounts within a period of thirty days will result in a non verification which requires that the above accounts be  immediately removed from my credit file. The lady that I spoke with was giving me the run around about an XXXX XXXX XXXX XXXX WA XXXX, which has nothing to do with the law. This address was reported to the Credit Bureau because they had to run my credit in order for me to stay here for the last six months. I have stated in my letter and on the envelope after XX/XX/XXXX I will no longer be residing there because my lease is up and due to this issue I will be homeless so all my mail is being forwarded to the post office. I have yet to receive anything from Experian through the post office as of today and prior to today. Then I had asked to speak to the supervisor and she had hung up on me. Therefore, I am making a complainant and hoping that you can help me resolve this issue. Attached is my letter of the items that I want to be removed from my credit report immediately. 

Thank you, 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 2017-10-25
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 information incorrect

Complaint:
I submitted a previous complaint on Transunion and they responded and it was closed. 

According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate 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 2017-10-25
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:
Credit Reporting Bureau Experian is reporting an unauthorized account on my report that has been proven by the collection company that they do not service the account after it was disputed.

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 2020-02-09
Company: SYNCHRONY FINANCIAL
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:
Synchrony Bank aka XXXX XXXX XXXX. Two accounts of the same type, marked " closed '', but were never open and never inquired about. One inquiry was on XX/XX/XXXX and the other inquiry was on XX/XX/XXXX. Then another inquiry from XXXX XXXX which is showing inquiry from XX/XX/XXXX. I have not made any attempt to apply for any of these services at any time. This is impacting my credit as a hard inquiry and I would like them removed. I have not contacted the company as I have looked up the issue online and came straight to this.

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 2021-11-10
Company: Experian Information Solutions Inc.
State: AL
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:
There are addresses and a phone number on my credit report that are not mine. I have never lived at those addresses nor used that phone number. 
The addresses are : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX The phone number is ( 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 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over the course of the last week, my credit score dropped XXXX points on XXXX The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at XXXX. He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.

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 2021-11-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please be advised, Ive been a victim of identity theft. Im sent over 10 letters and ftc reports to XXXX and they continue to ignore them and ask for proof. They say they have did an investigation. Which its no way this information could be validated a state of mind because its fraudulent. Please show me who you spoke with at the company who sent you a signed contract how did you verify this did not to computer automated system these dates are all fraudulent someone stole my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered items from XXXX that I never received because XXXX wrongfully closed my account. I reported this to synchrony bank and was surposed to receive credit for the items I never received but the credit never transferred over but the false negative balance did and after having to call repeatedly over there course of a few months it was supposed to be resolved I had requested the account be closed and a refund of my XXXX dollar deposit that was owed to me I was told a check would be sent out and the account would be closed never received the check and they continued making false reports on my credit report causing a lot of damage while still sending me emails showing that I had no balance there employees are undertrained and very rude a very few actually knew how to address issues and the issues that had been fixed had been unfixed by more employees that I believe must have been disgruntled because there had been no reason for them to attack me verbally and financially by attacking my credit when they knew I did not owe and refused to return my deposit I honestly regret ever doing business with XXXX and synchrony bank the experience has been completely horrific.

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 2020-02-09
Company: Cheadle Law Firm
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am going to cut / paste their latest response and break it down. You are attorney 's and don't seem to understand math : " The date of the initial communication was XX/XX/XXXX. The initial scheduled court date is XX/XX/XXXX. This is clearly more than 60 days from the validation notice. 3. There is simply no requirement that suit be delayed more than 30 days from the initial validation notice. The debtor merely has 30 days to dispute the validity of the debt and request verification. '' It doesn't matter if the court date is 5,231 days after the initial letter. Your previous responses, including the one yesterday specifically states : " The debtor merely has 30 days to dispute the validity of the debt and request verification '' Again, as I've said before, this law firm DID NOT afford me the entire 30 days to dispute this debt or contact them. They gave me 23 days ( from the date of the letter, not actually when I received it 8 days later ) and on the 24th day they filed a lawsuit in XXXX County. They robbed me of 7-8 full days to respond as required by their LEGAL signed letter as well as the law allows. I was robbed and not given that legal amount of time to respond as they filed early. In fact, I responded after I received their letter on XX/XX/XXXX through CFPB to dispute this debt with no response from them or their shady client ( XXXX XXXX XXXX ). Technically, since I didn't even receive their letter until XX/XX/XXXX I should have legally had until XX/XX/XXXX or later to respond. This date is proven by USPS Informed Delivery. I didn't receive this letter until 8 days later, 8 days past the date of the letter. 

It doesn't matter how you want to twist and turn the way you are trying to spin it ; the math comes out the same every time. YOU FILED 7-8 DAYS EARLY AND DID NOT AFFORD ME THE TIME TO RESPOND REQUIRED BY YOUR LETTER AND THE LAW. 

I'm not sure how more CLEAR I could be. This law firm thinks they are in the legal right to do what they did, however I have been told that their letter is a legal document and the letter even says I have 30 days. It does NOT say 23 days, it says 30. The law also allows me to dispute a debt within 30 days. The law does not say 23 days then we're filing a suit, it says 30, which I WAS NOT AFFORDED. 

CFPB : Please do something about my complaint instead of letting them respond with XXXX non-relevant information regarding my case then closing it like everyone has moved on. I am not letting this go.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney or a third party I am filing a complaint on behave of myself because it is my LEGAL right to do so. I have viewed my credit file and I noticed that there are several incomplete or inaccurate items on my file. The following addresses are not mine please delete them : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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. 

My name is : XXXX XXXX XXXX please delete/remove any other version of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My Phone number is : ( XXXX ) XXXX Please Delete Phone Numbers that do not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I recently reviewed my credit report XX/XX/2018 and found XXXX XXXX is reporting inaccurate information on my credit reports with all 3 of the major credit bureaus Equifax, XXXX XXXX and XXXX. Not only are they reporting serious erroneous information, they also do not report an address they can be reached on my credit report so I can inform them of these serious errors by certified mail. This is a clear violation of the FCRA and shows a serious error in their reporting practices. Attached, is a copy of my credit report where they have left no address to be reached at. This erroneous derogatory remarks is making it extremely difficult for my family to access the credit that we need and is causing us an unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please refer to my previous complaints about Mr. Cooper mortgage like XXXX For more than 1.5 years - my online amortization schedule is not enabled. 
I haven't got the answers to my questions for so many months. 
I asked another question : I want to know the mortgage interest paid by me in XXXX  and XXXX  as the loan got transferred from XXXX to Mr. Cooper. 
But for this basic question also, Mr. Cooper want to have an excuse or delay the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. I have also attached a copy of my Drivers license and SSN for identification purposes. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-10-14
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
My Son applied for loans to enter XXXX XXXX in XXXX IL. In the process he signed up electronically while he was in High School, age XXXX. He is now almost XXXX!! Then, XXXX XXXX, approved him to go. The problem is, I was set up fraudulently to be a cosigner or owner of this loan. It is on my credit and they want me to pay. I believe my Son set up a cosigner/owner account and charged or incurred {$38000.00} in debt in one year at college. I did not even have proper income or give authorization for this debt. I filed a fraud report, and police report. Because XXXX XXXX was bought out by Navieat, they had no proof Because everything was signed electronically. I want to hire a lawyer but I don't know what to do. I saw an article that claims you are suing them already for these types of reasons. I haven't had a job in 7 years, never made payments. I tried through XXXX XXXX to file fraudulent accounts but it keeps being sent back. My Son, is XXXX years old, and has medical issues. He is still attending college at another college, in Illinois, and I have no idea how. I refuse to pay this bill ever. I owe less on my home, than I do on his 1 year at XXXX XXXX XXXX XXXX. Can you please help me?? I have all the copies of everything I tried to file years ago. This has caused me so much XXXX, I have to be on medication now, and my Son says he would try to help but doesn't know how to get it under his name. We don't even know how the charges got this high in 1 year!!! It should be or is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 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 15 U.S.C 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 2021-11-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please be advised, Ive been a victim of identity theft. Im sent over 10 letters and ftc reports to XXXX and they continue to ignore them and ask for proof. They say they have did an investigation. Which its no way this information could be validated a state of mind because its fraudulent. Please show me who you spoke with at the company who sent you a signed contract how did you verify this did not to computer automated system these dates are all fraudulent someone stole my identity

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 2020-04-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Citi Prestige credit card. There was a fraudulent charge on my account from XXXX XXXX for {$370.00}. This was a pending charge for 5 days and became an official charge on XX/XX/XXXX. 

I called Citi on XX/XX/XXXX and XX/XX/XXXX and after 24 to 48 hours of trying to get through to them finally got through they said they would mark the charge as fraudulent and send me a new credit card. I did receive a new credit card and a new account number but this charge has now also been billed to my new credit card. I tried contacting Citi but they just kept stonewalling me saying they need time. This is a fraudulent charge and I have been with Citi for 25 years. In the past, such issues have been settled quickly and efficiently. This time, I would like Citi to step up to the plate and settle this issue.

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 2021-05-13
Company: AMERISAVE MORTGAGE CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I refinanced our mortgage in XX/XX/XXXX with XXXX Mortgage. At that time we signed the closing documents with a notary. The closing documents stated that our property taxes would be paid quarterly. In XX/XX/XXXX, I received a bill from the state showing our tax bill. It showed two options, annual or quarterly installments. No benefit was present for paying annually. The mortgage company then paid our taxes in a one lump annual payment in XX/XX/XXXX. In XX/XX/XXXX an escrow analysis was completed and we were short several thousand dollars, due to the payments not matching what is being put into the escrow account based on quarterly payments. Now XXXX wants us to pay {$720.00} extra each month to rectify their mistake. I have called many times, sent the closing document paper and the tax bill twice. Every time I call I am unable to speak to any one in the tax department or the escrow account department. How can XXXX change what was agreed upon in our legal binding document we signed at closing?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 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 15 U.S.C 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 response to consumer: Closed with explanation