BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I started freedom debt relief in XX/XX/XXXX. I had credit card with XXXX  owing about XXXX, I enrolled in the problem and was told I would have a monthly payment of {$300.00} and once a settlement was made with the bank I would be paying off my debt in no time. I was mislead in many ways, I am a XXXX year old mother of XXXX and was told that once a settlement was made what I was depositing was going to be put towards service fees and my debt to XXXX XXXX. From XX/XX/XXXX to now XXXX I have made numerous phone calls asking where my money is going and why things arent being done and got no progress and assurance anything was happening. I was told somewhere in XXXX a payment was denied so my account went void but got an email in XXXX, 3 months after the fact meaning now my settlement was lost and had to be resettled. I have invested {$3300.00} into this program have {$400.00} in my dedicated account towards my debt and only {$19.00} was paid to XXXX on XX/XX/XXXX. The program charges {$3000.00} for their services but stated they couldnt pay XXXX  and had to drop the settlement because there wasnt enough funds in my account. I have the ledger from the company of all my payments and dont understand how a payment failed when the took out of the same account numerous times causing my account to overdraft with no problem. The staff they have on phones do not answer any questions and constantly transfer you. They all have attitudes and basically at the end I had to cancel the program do to the worry of losing out on even more money with the company being so condescending. They told me I would only be getting back {$130.00} roughly, when Ive invested so much into paying off my debt. I paid {$3000.00} for ultimately nothing. No straight answers, no time frames when I asked for them into how much longer I needed to pay and no exact answers of where my money is going to. Other than {$19.00} out of all of this was paid to XXXX   and they failed to tell XXXX that they wouldnt continue paying them until their fees were paid. Freedom debt relief took advantage of me my family and my financial crisis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and the other bureaus have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, and verified my identification etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
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:
The law states that a consumer reporting agency shall block the information on the file of a consumer that the consumer identifies as identity theft within 4 days. Equifax received notice from on XX/XX//2023 that there is information on my consumer report that is a result of identity theft. Today 's date is XX/XX/2023, which means their company is currently two weeks notified. I have provided an identity theft report which identifies the items and appropriate proof of my identity. I have also provided a statement in my identity theft report that states that the information I have identified is not related to any transaction by me. Equifax is clearly violating federal regulations pursuant to 15 USC 1681n - willful non compliance. I will be filing a complaint with the Attorney General and seeking litigation if this issue is not resolved. I have attached the documents I have already provided on XX/XX//2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company XXXX XXXX XXXX has continuously ignored my multiple attempts of having them provide me with proof that this debt belongs to me. Right now they are obstructing my home loan from being approved and they failed to respond to my request in the time they were supposed to respond. I sent them a debt validation and heard nothing then I sent a failure to respond notice as well and they do not care. Please help me in getting this removed from my report as it must be fraud or something I never have done business with this company nor the company they represent thanks!

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 2023-04-13
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:
There are MULTIPLE fraudulent items on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent items and they're still reporting on my credit report.

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2023-04-13
Company: Experian Information Solutions Inc.
State: TX
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 don't recognize any of these inquiries made on my credit. I did not gave written consent to these companies to furnish anything to my credit report under law 15 usc code 1605. So forth these 11 inquiries are fraudulent they need to be removed under fcra regulations until proven accurate XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date 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 2023-04-13
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 my score was dropped by XXXX points. I havent opened any new accounts, havent closed any, have never ever been late on any payments whatsoever. Contacted credit reporting agencies, they had no idea why.. ever since I signed up for XXXX XXXX with my XXXX a count, funky stuff keeps happening. They lowered my credit score by XXXX points out of nowhere just a few months ago. 
Not sure who is reporting wrong information. The previous drop was corrected, not sure where this XXXX point drop is coming from. XXXX XXXX is such a FRAUD

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 2019-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am giving you one warning, because i will SUE. Remove an alias ( old last name ) off of this report.i want it off now, ive told you several times on the phone you are all LIARS telling me you took it off. im suing you and XXXX, because i asked you to take it off due to a stalking incident and instead you left it on there and i have been located. if anything happens, you and XXXX  will be held accountable.i will be contacting a lawyer if i see my old alias still there. i am serious. 

the old last name needs to be taken off!!!! 
old last name : XXXX. 
no longer my last name!!!! 

a correct alias will be XXXX now that i have REMARRIED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Aspen Yo LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are hoping that you have some power to push Gregory Funding to provide us a review for mortgage assistance on our home mortgage. We fell behind on our payments due to an unforeseen financial downfall, but are back on our feet and want to keep our home. However, Gregory Funding isnt providing us with the guidance we need to ensure that we can resume making payments on our delinquent mortgage loan. Something is amiss with their representatives as they seem to not care about whether or not we keep our home. We have tried repeatedly to engage them in discussions about a loan modification or forbearance, but our requests are falling on deaf ears. Our mortgage loan qualifies for mortgage assistance and our mortgage payment is affordable, but we can not seem to get the communication going with Gregory Funding. When I did speak with their staff to obtain some assistance, I was treated very rudely. Last year my family had some very serious health issues which cost me almost {$40000.00}. We had to make a choice between taking care of my familys health or fall behind on my mortgage payments. It is unfortunate that we had to become delinquent on the mortgage payment, but we are ready to get our loan current and start making payments again. We tried to be proactive and address this issue and figure something out, but their staff hasleft a bad taste in our mouths and have obstructed us. We feel we have never had an opportunity for review, have never had an opportunity for a real discussion on how to fix our delinquency and feel we have never been given any options other than foreclosure. We have read a lot about how homeowners get helped through a modification or forbearance and are interested in either option that will keep us in our home. We are not sure if you can help, but we believe that you are the right agency to oversee their actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX  XXXX, TX XXXX SINGLE FAMILY 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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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 obtained a copy of my credit report from XXXX, XXXX, and Transunion. I noticed alot of unfamiliar and conflicting information. i disputed all the information and requested verication of the account and documents with my signature attached. After the investigation the bureaus deem the information valid but did not provide verication of any sort. I then receive denial notifcations from potential investors that had the account information attached and described as risky behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I was a victim of a XXXX scam. I had put up my daughter 's bed to sell on XXXX XXXX. Someone contacted me about it and wanted to buy it. They asked if I used XXXX, and I said I think I have/can. I knew it was linked with my accounts with my bank and I could go through my banking app to receive the money. I gave the person my email address to send be the money. I got an email from " XXXX '' stating I have a pending payment of {$400.00} ( the price I was selling the bed for ), but they noticed my account was limited and not a business account so I couldn't be credited. They stated I would need to ask the sender to send an additional {$300.00} so it can be changed and then I would be credited the {$700.00}. I have never used XXXX and it was through my bank, so I thought, ok, I'll do that. Well, then I received a second email from " XXXX '' stating that the {$700.00} is now waiting to be deposited into my account, but I was required to send the {$300.00} back to the buyer so that I would get my {$400.00} and for the buyer 's security. So I sent the {$300.00}, again thinking " This must be ok because it is going through my bank app ''. Then I received a third email from " XXXX '' stating they received my {$300.00}, but they noticed my account wasn't fully upgraded so I needed to send an additional {$500.00} for my account to be fully credited. They let me know that this was the last stage and once I did that, they would give me the {$1200.00} back. Again, not questioning it ( like I should have ), I sent them the {$500.00}. I then yet received a forth email from " XXXX '' stating I needed to send in {$700.00} for some I.M.F. certificate. At this point XXXX wouldn't let me send more than {$200.00}, so I sent {$200.00} through XXXX and the additional {$500.00} through XXXX. I then received a fifth email from " XXXX '' asking for an additional {$1000.00} because they deducted {$1000.00} from the buyer 's account and was putting it in my account ( which they never really stated why ) and that I was required to refund the buyer back the {$1000.00}. At this point I started to get suspicious and stated to the buyer that I was going to check this out with my bank in the morning. The whole time I was sending the money and getting the emails, the buyer was sending me messages stating he got the money and was trying to show me proof that he was sending money. After I stated I was going to get ahold of my bank, I never heard from him again. I was able to get the {$500.00} back from XXXX, but my bank has denied my fraud claim stating they were unable to get the money back from the XXXX recipient. Of course they didn't, it was a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. 

Incorrect Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX Incorrect Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : PERSONAL CURRENT ADDRESS IS XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX. 
MY PROPER FULL NAME IS XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
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: Information belongs to someone else

Complaint:
You are in Direct Violation of the Fair Credit Reporting Act : XXXX XXXX XXXXXXXX XXXX Acct : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Acct : XXXX XX/XX/XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A : Clearly states that 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 an 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

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