BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Looking at my credit report after my identity has been compromised some time ago I've noticed many accounts inwhich I have absolutely any knowledge of, so big and some small but I'm still taking the same steps in removing and recovering them all. These reporting unverified items I'm disputing and asking for physical documentation for each. Documentation that will afford me physical evidence as stated in the FCRA literature. I want to know who, when, and where investigated these following accounts and I'm requesting an updated correct report. Items in dispute and requesting to block from report if not supported by physical and tangible documentation. 
1 ) XXXX XXXX XXXX {$55.00} 2 ) XXXX XXXX XXXX {$530.00} 3 ) XXXX XXXX   {$490.00} 4 ) XXXX XXXX {$370.00} 5 ) XXXX XXXX  {$500.00} 6 ) XXXX XXXX XXXX {$3.00} 7 ) XXXX XXXX XXXX XXXX {$220.00} 8 ) XXXX XXXX XXXX {$200.00} 9 ) 11 XXXX XXXX {$530.00} 10 ) XXXX XXXX XXXX XXXX {$370.00} 11 ) 08 XXXX XXXX $ 201-505 12 ) XXXX XXXX {$200.00}, {$490.00} 13 XXXX XXXX XXXX XXXX {$2.00} 14 ) XXXX XXXX {$510.00} 15 ) XXXX {$0.00} 16 ) XXXX XXXX {$0.00} 17 ) XXXX XXXX   {$0.00}

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 non-monetary relief
Consumer complaint received 2023-09-05
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXXXXXX XXXX XXXX XXXX and FLAGSTAR BANK 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 2023-06-27
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 6 hard inquires on my report that I do not recognize. I tried to explain to 3 bureaus and the creditors that I didnt recognize them and that they shouldnt be on there. They continue to tell me they cant do anything are all 6 are hard inquires so its hurting my credit. I need them gone as soon as possible. I also sent credit letter to the 3 bureaus and credit to dispute negative items and they have not been responding. Its almost been 2 months. I NEED THEM GONE NOW SO I CAN GET FUNDED FOR MY BUSINESS!!!

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 2018-01-31
Company: Live Well Financial, Inc.
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a reverse mortgage on our home with Live Well reverse mortgage company with only my wifes name. Weve been married over 49 years. My wife past away XX/XX/XXXX. I am the non borrower spouse. I contacted the mortgage company and they sent me the needed paperwork. I immediately sent them everything by fax. They continue to tell me they didnt Receive the paperwork or only received a partial. I resent them the missing paperwork several times. I even emailed it to them and have confirmation. 
I contacted them on XX/XX/XXXX for status. 
They informed me that I missed the deadline of XX/XX/XXXX, when in fact I had sent them all the documents. 
They gave me options. 1. Sell the property. 2. Let foreclose or give them the deed. The appraised value is {$420000.00} and the balanced owed is {$60000.00}. 
Why would I let it foreclose. 
I feel that the dropped the ball and I should not be penalized. 

Ive lived at the property with my wife for over 22 years. 
They wont listen to me. I have all the paperwork they requested. I need someone to step in. 
Thank you

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 2021-04-29
Company: Complete Credit Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I currently have a open complaint against XXXX XXXX XXXX XXXX ( complaint # XXXX ) as you can see that company never responded. They did not meet the 30 day request for verification of the debt twice. They have since sold the debt to Complete credit solutions, which immediately put a collection on my credit for this same debt. Complete credit solutions also never contacted me by Mail, email or phone. This collection is no good, and this is illegal what both companies have done.

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 2022-10-22
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
Ive tried to get this company to correct these issues back in XXXX of 2022 Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. 

I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. 

attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: MERCHANTS ADJUSTMENT SERVICE, 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: Was not notified of investigation status or results

Complaint:
I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, these companies - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and MERCHANTS ADJ SERVICE failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX and XXXX have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ 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 2020-10-26
Company: CL Holdings LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an envelope containing paperwork for garnishment, but I havent been sued by this company. The envelope didnt have a return address on it and the postmark was significantly later than the date of the summons : XX/XX/2020. Once I opened it, it appeared to be legal paperwork from a court. The plaintiff is Jefferson Capital System LLC. Theres no information identifying the plaintiff other than their name. No phone number, no address. The contact information for the attorney is invalid ; the phone number has an odd ring that sounds like a record thats skipping. I XXXX  Jefferson Capital System and called their toll-free number. There was a recording indicating that callers can get debt information by entering a file number, which strangely wasnt listed anywhere on the paperwork I received, an account number, which would be assigned by Jefferson, or a social security number. Theres no file number on the paperwork, nor is there an account number. I had to use my social security number. The recording indicated that theres no record in their system containing my SSN. Im not surprised since I dont owe them any money. 

Lastly, I noticed that this paperwork was supposedly sent to my employer. My listed employer is a company I never knew existed until today. How can I possibly work there? 

This could be a scam, but I see it as harassment. Rogue collection agencies think that they can scare uninformed consumers into sending them money. I dont operate like that. I will not even listen to, nor respond to anyone who doesnt approach me correctly. I have no idea what this debt is or who it belongs to. I have never gotten one phone call from this company. Ive never received any other notices from this company. The legal contact listed on the paperwork is bogus. I should be enjoying my evening right now. Instead, Im wasting my em time responding to a false allegation. 

I threw their paperwork in the trash at the gas station when I stopped to fill up my car. After thinking about it, I got angry and decided to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called the Equifax after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Inquiries on my credit report which are misleading to me. I sent a letter to the Equifax credit bureau XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that these INQUIRIES will be removed. 
XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XX/XX/XXXX was when we began communicating with XXXX XXXX XXXX about our student loans. Since then, we have been making payments to XXXX XXXX XXXX as they negotiate a settlement with Navient and Sallie Mae. We changed all of our contact information on the accounts to XXXX XXXX XXXX XXXX just like they told us to do. The loans are in my wife 's name, and we did not provide any other contact information from my family to Sallie Mae or Navient. Somehow today, on XX/XX/XXXX, Sallie Mae called my stepmother to try and get her to give them my wife 's contact information so they could try and get us to pay them what we owe. This is unlawful and an invasion of our privacy as well as harassment to get us to pay them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On numerous dates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX has contacted the a place of business after expressly advising personal calls could not be received. Employee, XXXX, called at least five times back to back on XX/XX/2018, even going as far to call private to try and gain access to employee. This is unacceptable and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Home Depot credit card on XX/XX/XXXX. The card was approved, and website had a promotion for {$50.00} off of my purchase amount. Due to not receiving an immediate email I called HD credit and was told not to worry as {$50.00} would come off on my first statement so order was processed. When the {$50.00} did not come off of my first statement, I called and received an apology telling me to pay the balance less the {$50.00} and it would clear ASAP. That did not happen and when I received a follow up statement, I called again and was assured they were working on it. Yesterday I learned they are unwilling to honor this promotion as I qualified for a another promo, which I assume relates to interest rate however I paid the card in full within 30 days and they would not explain the promotion? Regardless I went ahead and paid this undue money and closed the account due to extreme dishonesty XX/XX/XXXX. I did file a formal complaint with the Home Depot organization, complaint number XXXX. At this point the fraudulent activity needs to stop with this extremely dishonest organization, which is the reason for this complaint. 
Thanks, 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 monetary relief
Consumer complaint received 2020-10-26
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2018-10-05
Company: Experian Information Solutions Inc.
State: NY
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 a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Acct. XXXX To Whom This May Concern : As i have not heard back from " Experian '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, i may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2022-10-22
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I got a alert from XXXX that my balance increased on my XXXX XXXX XXXX XXXX  to XXXX dollars which is Inaccurate. My current balance is XXXX a big difference. Per the Fair Credit Reporting Act in asking the credit bearus fixed this immediately and promptly. I took a screen shirt of the inaccuracies

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 2022-10-15
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
didn't receive points that were promised in CFPB case 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 2022-04-30
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 fraud alerts or security freezes

Complaint:
PLEASE REMOVE ALL FRAUD ALERTS AND REMOVE ALL SECURITY ALERTS NOW!

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 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 explanation