BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: AL
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 have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. I have over XXXX accounts and inquiries that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) Experian assumed this role and my direct written instruction/permission was never given. Experian is in violation of my Right to Privacy according to 15 USC 1681 4. Experian did not exercise its grave responsibility, was unfair and was partial. Furthermore, Experian did not have a permissible purpose under 1681 b 2. I never instructed Experian to furnish this report and I never consented to this report in the first place. Furthermore, actual evidence of documentation has not be provided when requested after previous disputes. I am demanding that all of these accounts and inquires be deleted from my report and file along with my phone number and all inaccurate names. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted

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 2018-02-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the recent changes to law, effective XX/XX/2017 Public Record data reported must include a minimum of name/address/SSN/ and date of birth in order to appear on a credit file. The credit bureaus haven't updated/reported this info and per the law Bankruptcies don't include this info and this should be removed promptly from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 XXXX XXXX XXXX XXXX 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

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 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion continues to report information that can not be validated by collection agency. I've provided proof from the court for case vacated judgment/dismissal and this does not serve as enough proof that debt is not validated. 

TransUnion, after speaking with 6 agents in one day says that the verification process includes name, address, social security only. There is no information to support the debt, amount, or any supporting information to claim that collector has right to perform debt collection services for debt. 

This process has taken more than 30 days and the credit reporting agency is requiring to file yet another dispute for information that I've provided proof that the debt is not valid.

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 2020-06-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello. My name is XXXX XXXX and I have been having a number of issues with a company by the name of Comenity Bank. I would have no problems with the calls IF they were happening twice a week and had the company 's name and phone number coming across my callerID. But that is not what is happening. Instead I am receiving between 6-8 calls per day from either Unknown numbers, ( XXXX ) XXXX, or ( XXXX ) XXXX. Today, when I answered the call, the person went straight into a spiel asking me when I was going to be able to pay a certain amount towards a bill. When I stated that the person he probably meant to speak to was not around at the moment, he says that he is Mr. XXXX with Comenity Bank and was under the impression that he was calling a personal cell phone number. Interesting that he said that, because, without leaving a voicemail, I received a robocall from ( XXXX ) XXXX today, on XX/XX/2020, at : XXXX, XXXX, XXXX, and XXXX. And on Tuesday, XX/XX/XXXX, at : XXXX, XXXX, and XXXX. When the calls came in on Wednesday, XX/XX/XXXX, the callerID came up as UNKNOWN three times. I am pretty sure that even debt collectors by law are not allowed to spoof their phone numbers or call numerous times per day as a robocall. I am sure that this violates a Federal Law known as the Telephone Consumer Protection Act ( TCPA ) and " Mr. XXXX '' had let me know that this is a practice that was happening when he stated to me that he thought that he was calling a personal cell phone number. If they had any notes on their customers ' account, they would see that I requested to have calls come in specifically stating who the caller is or the company they work for, because in this day and age, scammers use the same tactics as Comenity Bank does.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: Nelnet, Inc.
State: MA
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:
How are you doing? IT'S IMPOSSIBLE THAT THIS WAS INVESTIGATED - IT'S BEEN ALMOST 6 MONTHS AND XXXX  OR NELNET HAS IGNORED MY DISPUTE AND NEVER ANSWERED BACK. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
last week lender, Ocwen, sent emails that the only item needed was taxes ; taxes were signed and presented to Ocwen this week.Email from Ocwen said that the foreclosure would be placed on hold. Another email said that the foreclosure is NOT on hold. 

Ocwen hired their own company to foreclose. 

All kinds of calls from realtors and public calling and harassing over this foreclosure notice filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is reporting a student loan on my credit report as late 120+ days. I have never had a student loan with XXXX XXXX, as all of my student loans are serviced by XXXX. I contacted XXXX XXXX Only to be told that the debt was leftover tuition but was not given any documents or explanation as to why 6 years after attending XXXX XXXX that this is the first time I am being notified of this debt. They have not sent me any documents showing how I am responsible for this debt, only a bill through a debt collector. I decided to dispute this with XXXX, which was a joke as well. Dispute came back as verified although once again I was given no documents to prove verification. If I am truly responsible for this debt I will gladly repay but not without proper documentation and an adjustment to the harmful items on my credit report which are being falsely represented. If I do indeed owe this debt it is CERTAINLY not a student loan, installment loan, and is certainly not late on payments as I have never been notified of any payments due. XXXX XXXX is intentionally using these tactics viciously and with no proper documentation to support their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: VA
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 have reached out to XXXX  multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given any written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/2020 REASON : UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My CD account with XXXX by Goldman Sachs matured on XX/XX/18. I called that day to close it and initially to add funds to it and open again for a new period. My other financial institution was linked to my CD account in order to make the fund transfer. After a few days I called again to confirm the link but I was asked about my employment status in order to proceed. I told them its irrelevant and I dont want to reveal that information. They said its required so in this case I requested to talk to a supervisor. But, the supervisor confirmed it is required. So in that case, I informed the supervisor I want to close the CD account and I want all money to be returned to my to the other financial institution that was linked to my CD account. The supervisor read me a statement that its what I want - to close the account completely and to get the money back and I confirm it again. She said it will take 2-3 days to close the account and another 2-3 days to transfer the money back to me. This conversation was within a 10 grace period and it was on a recorded line. 
I waited a week checking my other institution online account every day if the money from my CD got transferred. But it wasnt. So, I called XXXX again today why I didnt get my money back. They told me that I was supposed to call back within a 24 hours to confirm it again with them. But that is a lie. The supervisor I talked to never said anything like that. And now, They threatened me that they will penalize me with interest and that they renewed my CD - without my permission. 
I need your help because XXXX by Goldman Sachs is not an honest institution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I inquired by phone from my loan servicer Freedom Mortgage as to who financially backed my loan. XXXX : Teller ID # XXXX confirmed that our mortgage was backed by XXXX XXXX XXXX  XXXX. XXXX XXXX. After reviewing the forbearance option for a loan backed by XXXX I decided to request a Mortgage Forbearance with the understanding that the missed payments would be added to the end of the loan and no penalties or negative reporting to the credit agencies. I extended the Forbearance after to 6months to a total of 12months which expires on XX/XX/XXXX. Last week I called and spoke to a teller at Freedom Mortgage explaining I was ready to start making my regular monthly payments prior to the Mortgage Forbearance and verify that the missed payments would be added to the end of the loan. He put me on hold for a few minutes and came back to tell me that our home mortgage isnt backed by XXXX. I questioned how I was told the opposite of that 1 year ago, by the teller referred to in the conversation on XX/XX/XXXX. He did state that he saw notes in my file regarding the request for confirmation back on XX/XX/XXXX. But had no explanation as to why it isnt a year later. Now, Ive been presented with a documentation package to complete and was told the lender will decide what they want to offer me to avoid foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
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 submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files since XX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXX they were deleted from my files stating they could not verify the status of my loan from XXXX/XXXX XXXX. I contacted XXXX/XXXX XXXX on XX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.

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 2018-10-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a credit card with XXXX XXXX. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. XXXX XXXX was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But XXXX XXXX stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: CITIBANK, N.A.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, ''This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Under the Fair Credit Act law I have every right to remove this unknown collection from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: EQUIFAX, INC.
State: WI
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:
Credit bureau will not delete XXXX account as they do not know who bought account it shows sold to another lender. This consumer sent a certified letter to all bureaus invoking my rights and the dispute shows nothing changed, debt collector unknown. If this cant be verified it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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:
There was not a proper investigation. I was told accounts was verified. They failed to provide me with a copy of any viable evidence anything bearing my signature.

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 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The same accounts, which have been settled, appear as double marks against the consumer. 

The following accounts : XXXX/XXXX - acct # XXXX XXXX/XXXX - acct # XXXX were sold to Collection Agency and also appear on my Credit Report : XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX These were resolved and paid by me, the consumer. 
The Credit Reporting Agencies CAN NOT continue to keep these accounts listed and make it look like there are 4 accounts that are delinquent, with balances.

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 2021-08-17
Company: EQUIFAX, INC.
State: VA
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 have reached out to Equifax multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them with the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED ACCOUNT ACCOUNT NAME : XXXXCOLLECTION ACCOUNT DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY ACCOUNT NAME : XXXX XXXX UP DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$32000.00}, {$20000.00}, {$400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
all credit reports XXXX XXXX XXXX equafax I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies

Company response to consumer: Closed with explanation