BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Experian, I checked my personal credit report, which I acquired from your company and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a INVESTIGATION into XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in yourEINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

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 2020-11-24
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: 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 {$0.00}, {$0.00}, {$0.00}, {$1200.00}, {$650.00}. 
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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XXXX XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account. 

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


-- COLLECTION ACCOUNTS 4. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
# # # # ***Hello, my name is " XXXX XXXX ``. I have been trying to make some changes in my credit report since i saw some incorrect information about, some of my addresses and all of the employment information. ***These information are not belong to me and have no relation tight to our business. I see that it is really capable of having bad effect in my credit report so i demand to have all the false information change!!!!!! 
Here are the name, addresses and employment information that need to be removed immediately. 
************************************** *EMPLOYMENT INFO -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX , WA XXXX ************************************* XXXX XXXX XXXX XXXX , WA 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 2020-03-31
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:
I have contacted experian to let them know a charged off/collection account reporting incorrectly on my credit report. I have settled the account with XXXX cardmember service XX/XX/2020 and they are reporting not as settled but that I'm making payments to the 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 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reveiwing my credit report, I found numerous credit cards on my report that were not authorized or initiated by me. This was an error or a result of malpractice. I have listed these items in my FTC 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 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed 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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2019-11-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX/XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX   XXXX {$180.00} not mine XXXX XXXX XXXX   XXXX {$140.00} not mine XXXX XXXX XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$820.00} not mine XXXX XXXX XXXX XXXX {$580.00} not mine XXXX XXXX XXXX XXXX {$1000.00} 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 non-monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: OR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}

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 2020-11-20
Company: ERC
State: DE
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 recently challenged the validity of ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX  ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
Transunion has not done a thorough investigation with the following collection agencies. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has been reporting false, inaccurate and fraudulent signatures to verify a debt that is NOT mine. I've asked for validation forms with my original signature and have not received any documents binding me to said debt. One document was forged and does not contain my original initials or signature. they also have documents with my name spelled incorrectly numerous times leaving me to believe they do not know who the debt belongs too. This debt needs to be removed immediately.

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 2020-05-29
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: Their investigation did not fix an error on your report

Complaint:
DEPTEDNELNET reported several accounts inaccurately. The late remarks started late 90 days right after a good payment in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Square One Financial, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I spoke with XXXX XXXX regarding a settlement with XXXX XXXX. We arranged to settle a delinquent account for {$1500.00}. I paid {$1000.00} XX/XX/XXXX and remainder was due by XX/XX/XXXX. I called in on XX/XX/XXXX to pay remainder settlement of {$500.00}. XXXX was very rude asking why did I file a complaint with AG? And that I was wasting her time with complaint> She seemed very upset, and spiteful. I provided a XXXX XXXX credit card to make a one time payment of {$500.00} to settle the account in full. She sent me a receipt and never stated my card would be charged as a cash advance. The next day XXXX XXXX froze my account stating XXXX made 2 charges for {$500.00} and one charge was a cash advance for a wire transfer. I called XXXX immediately but XXXX was somehow unavailable. I never authorized this company to cash advance my card or make an additional charge. This has caused a huge inconvenience freezing my credit line. XXXX XXXX intentionally charged my credit card for a cash advance out of spite from me filing an Attorney General Complaint. This employee definitely needs to be investigated on her business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Sent Inquiry removal letter to TranUnion after trying to contact creditors to no avail. as TransUnion told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. TransUnions customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I R Case XXXX I do not recall authorizing any of these.

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 2020-09-04
Company: TRANSWORLD SYSTEMS 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:
XXXX  These 4 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The 4 Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX {$220.00} 4. XXXX. {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
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: Public record information inaccurate

Complaint:
In XX/XX/XXXX, my wife and her 2 sisters inherited property from her parents estate after her fathers death. She sold that property, and split the proceeds with her 2 siblings. In XX/XX/XXXX, we went to refinance a home we had purchased, only to find out that the state of Alabama had assessed a lien on our credit, without even telling us. We fought the lien, and were able to get it RESCINDED, which means it was an error. We have provided a copy of the official letter from the State of Alabama Department of Revenue which states that the assessment was " RESCINDED '', as we never owed that amount, or any amount for that matter. 

Currently, on my Experian and XXXX credit reports, I am still being shown as having a Tax Lien for {$9900.00}, showing that the lien was " released ''. Released is not Rescinded. We didn't pay that amount, we weren't forgiven or released from owing that amount, we don't owe that amount, and it was rescinded. I called the county clerk myself, and verified that there is no public record showing that I ever owed the state of Alabama that amount, and there is no way that they should be able to verify it, because it's not there, it was rescinded. I have written to both companies demanding that they remove this from my credit report, and they refuse. I am now filing a complaint.

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 2018-07-27
Company: The Bureaus, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon checking my credit report on XX/XX/XXXX, it has come to my attention that Bureaus Investment Group has reported to all the credit reporting agencies such as XXXX, XXXX  & XXXX  that I'm not making any payments where in, XXXX XXXX XXXX, XXXX has forwarded my account to Collections which is XXXX XXXX XXXX amounting to {$5900.00}. Thereafter, the account was settled in the amount of {$2900.00} around XX/XX/XXXX. Settlement agreement stated that XXXX XXXX XXXX accepted the settlement amount less than in full account balance as long as the payments were made in accordance with the negotiated terms. As of present I never been late and still continue to pay XXXX XXXX XXXX {$170.00} every end of the month which comply to the payment agreement. From XX/XX/XXXX to XX/XX/XXXX, the total payments made was {$1500.00} and the remaining balance should be {$1300.00}. XXXX XXXX XXXX, XXXX should update their records in regular basis & correct all the discrepancy that reflects on my credit report. Original Creditor Is XXXX XXXX. 
On XX/XX/XXXX, I have contacted the XXXX XXXX XXXX to bring this problem and was told to contact XXXX XXXX XXXX since they are the one responsible in reporting the account to the credit reporting agencies. I did call XXXX XXXX XXXX but they have declined to help me and told me to cal XXXX XXXX XXXX instead because they are the ones who negotiated the account. I feel like a ping pong ball that time, people pass me through the other & the other pass me through another person. In the end I got no help. On the same day I have contacted all the credit reporting agencies such as XXXX, XXXX & XXXX to report the discrepancy on my account and advised me to submit requirements together with a formal complaint letter which I did the same day. 
I am requesting that the discrepancy stated above be thoroughly investigated and be corrected as soon as possible. I also request that XXXX send me a notice in writing that they have already fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
PennyMac is not adhering to default servicing guidelines and is providing me with loan modification terms that have expired. Since COVID hit the US, I have experienced financial hardship with my loan servicer company. I was offered a forbearance and requested loan modification loss mitigation options to bring my loan current. Filled out the information online and did not hear back from the company. Went out of town to assist my XXXX year grandfather with medical issues. Upon my return, I received a soaked loan modification package that had been left in the rain. The terms are not legible and unable to make out the loan information. Please note, this information was not communicated to me by my SPOC which is concerning. When I called PennyMac I was transferred numerous times to unqualified representatives that could not assist me. 

Most important my XXXX XXXX XXXX has not contacted one time throughout this process which does not adhere to CFPB and OCC guidelines. Today, I received another loan modification package with states loan documentation must be notarized and accepted by XX/XX/XXXX, and first payment due XX/XX/XXXX which was 9 days ago. REALLY!! I would like a new loan modification package to be sent to me and first payment due on XX/XX/XXXX. I really don't know if I need loan modification but PennyMac has not provided me with information to explore my loss mitigation options. THIS TREATMENT IS UNFAIR AND DISCRIMINATORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received this paperwork several days ago. I had no idea what this was for. I called the attorney listed on the paperwork. Their office advised me that a judgment had been ordered against me and they will get their money anyway they can. I spoke to an attorney and confirmed the judgement. I explained I was never served and had no idea what was this was all about. The attorney said he can take the case but will cost {$1200.00}. I do not know why I have to pay for something I have no knowledge of? I never received any paperwork or any phone calls from anybody for any debt. This should be against the law to be harassed at work for something I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: TekCollect Inc.
State: PA
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 recently challenged the validity of TEK-COLLECT INC ( Original Creditor : XXXX XXXX XXXX XXXX AS ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Old information reappears or never goes away

Complaint:
Transunion Refuses to let me file a dispute, and or get my credit report! I need to Dispute my XXXX XXXX XXXX XXXX XXXX Account. Judgment was rendered in my favor from a debt lawsuit and the account needs to be removed pursuant to the FRCA, the account needs to be disputed, and removed!

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