BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: Experian Information Solutions 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:
My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

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 2022-12-18
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2022 the credit collection XXXX XXXX for {$850.00} was wrongly placed on my account not only am I not responsible for this account which was previously deleted last year I dont know how or why its back on my report. 
I dont or didnt give any consent for this to be on my report and per my rights to privacy this information shouldnt be showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We went through the trial payments and completed the notary portion of the modification when we went to make a payment a month later we where told that the paper work was not correct and did not receive any notice on this issue we called back and they emailed me a new document to get filled out again we went to a judge and banker to make sure this was filled out properly and sent it in next day air ups a couple of days went buy and we got a notice the house was being put up for sale on XX/XX/XXXX that is only 5 days a way we have been in this position since XX/XX/XXXX we hired a attorney who is working on the sale dat to cancel it so we can go through this process again this will be the 3rd time with this bank we have completed 3 trial plans with a total of 9 payments we also trusted a company that charged us for a forensic audit they claimed we needed the company was home owner retention company in XXXX XXXX as well as there attorney we fired them and refuse to pay remaining fees they messed this up so bad now we had to hire a new law firm and they are good but we lost a lot of money and sleep. We have had a hard time my wife has XXXX we lost Family members to XXXX and my XXXX son got XXXX XXXX XXXX XXXX after a XXXX XXXX playing collage XXXX. it has been very challenging but now we are ok and need help.

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 2023-01-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday. I get XXXX phone calls from comenity bank. They call from all different numbers so I can't block them. They leave voicemails each time. My voicemail becomes full from all their phone calls. They start calling by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everyday. I was out of work for some time end of last year and couldn't keep up with all my minimum payments on my credit cards and I'm currently not working and about to move out of state and these phone calls are insane. The amount of them. They call sometimes 4 times in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My Issue is that my credit score which access through my bank 's application show different figures than what a Mortgage company recently run my credit score as I'm applying for Mortgage, to more clarify the Issue, my credit score that I see on my XXXX XXXX APP SHOWS THAT MY SCORE IS XXXX ALSO MY SCORE WHICH I SEE ON THE CASE BANK APP IS XXXX AND THE SCORE I SEE ON XXXX  XXXX APP SHOWS XXXX BUT WHEN i APPLIED FOR MORTGAGE THROGH A MORTGAGE COMPANY CALLED GURANTEED RATE AFFINITY THEY ADVISED ME THAT MY XXXX XXXX IS XXXX THROUGH XXXX, THIS IS REALLY CONFUSING BECAUSE ITS ALMOST 80 POINTS LESS THAN WHAT I SEE ON MY BANK 'S APPLICATION I REALLY NEED EXPLANATION AS THIS IS AFFECTING MY LIFE DUE TO THAT FACT THE MORTATGE COMPANY MADE ME STUCH IN FHA LOAN ONLY FOR CERTAIN AMOUNT THAT CAN'T QUALIFY ME TO FIND A HOUSE TO LIVE IN I REALLY NEED TO KNOW WHAT IS MY REAL SCORE IS THIS THERE IS A BIG GAPE BETWEEN WHAT THE BANK APPLICATION SHOWED ME AND THE MORTGAGGE COMPANY. 
IF I HAVE A PROBLEM ON MY CREDIT REPORT THEN I NEED IT TO BE FIXED HOWEVER IF MY CREDIT REPORT IS MATCHING WHAT MY BANK 'S APP SHOWS THEN I NEED A PROVE WHICH IS GOING TO HELP GET MY PREAPPROVAL OF THE MY MORTAGAGE RAISED AND CONVERTED TO CONENTIONAL LOAN

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 2021-03-29
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX do not know how this works but I need it done or somehow corrected. My name is wrong on my credit reports and it is causing some issues with my verifications. My name is spelled wrong a few time the only name on my report should be XXXX XXXX XXXX no other name or variation should be there please delete remove any other spelling. My only address that should be on my report is XXXX XXXX XXXX XXXX, OH XXXX. Please remove any other address. I was compromised and I need to protect the integrity of my credit profile. My DOB XXXX My SS XXXX. Please remove any other date of births of SS numbers. Please delete the following numbers they are not mine at ALL ( XXXX ) XXXX ( XXXX ) XXXX my income was effected buy COVID19 Pandemic shut down and under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). it allows for accommodations XXXX XXXX XXXX # XXXX account is reporting late on XXXX I request for some help and was told to file a dispute and ALL late payments would be updated to current of positive status please delete. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: MI
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:
I applied for credit and was denied because of non autorized accounts and address 's were assembled /placed on my consumer report which are fraudulent, So I sent a letter to all three CRA 's registered mail in good faith explaining what happened and to delete mentiond accounts/address within the letter/complaint I sent.

Company response to consumer: In progress
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: CO
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 is disgusting!!!!!!! They have lied to me over and over promising to " block '' the late payment information from " XXXX XXXX XXXX '' if I supplied them with Fraud documentation. Everytime time I call Experian 's Fraud Department I get a different set of requirements. Each time its more rediculous than the last request. The first time they said " Oh we need Police report '' the second time it was " Oh we need a police report that says Identity Theft on the report '' the third time it was " Oh we need a police report along with your identification '' and the fourth time " Oh we need the XXXX XXXXXXXX to sign your police report '' and on and on like i'm supposed to be a fool and be delayed every ( 30 ) days while they drop my credit score XXXX points. I have also included their emails showing all the " excessive and unreasonable requests '' see attached. CFPB you say that you regulate these people but you don't. Experian is not accredited by the BBB and they have XXXX XXXX complaints against them and counting. I question how they have been able to get away with their " juvenile delinquent '' behavior and not once has the CFPB ever corrected them. Experian was sucessfully sued in XX/XX/2022 for {$22.00} Million Class action settlement for sending incorrect information about consumers to third parties. https : XXXX. And sued once again for their {$16.00} XXXX XXXX XXXX XXXX XXXX XXXX got hacked and their client T-Mobile customers information was leaked https : XXXX. All the Attorney XXXX got paid but none of the customers did? Sounds like they are making mistakes all the time and what is the CFPB doing to protect the general public from an agency gone unchecked? Apparently nothing. You ever heard of XXXX? Well its not just something that XXXX said its actually in the XXXX. You reap what you sow ... .God is not a fool and he will not be ignored any longer, you can be certain you will reap what you sow. 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 2019-09-15
Company: Credit Systems International, 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: Account status incorrect

Complaint:
I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX  and not XXXX. I have no negative items on my XXXX  but they have done nothing to XXXX  besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do. 

NEGATIVE INFORMATION > COLLECTION. 


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
Consumer complaint received 2019-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XXXX Creditor Reporting : Portfolio RC To Whom It May Concern : I am writing to challenge the reporting on my credit file by Portfolio in regard 's to my XXXX XXXX credit card. This account was settle for less than full value and has been paid, in agreement to remove off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi a couple of days ago I registered on the American Express website to setup my banking details and unfortunately I put in the XXXX # instead of the routing #. The payment was rejected twice, and just this morning I was able to rectify on line and make my first payment. In the mean time American Express has cancelled my account and won't reinstate it, despite making the payment and correcting the error. 
I have to travel this week for work booking hotels and flights. This is my only credit card as have moved back from XXXX. This will greatly impact my work trip and also ability to make a living. They keep saying I'm ineligible to get in reinstated. Can someone please help me? 
I have been an Amex member for over 25 years, but they still will not take this into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXXXX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-03-10
Company: Credova Holdings Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My previous CFPB complaint was closed without any REAL investigation. I provided a FTC identity theft report as well as proof from of my credit reporting displaying inaccurate reporting from this collection company. If the debt is indeed valid, how is that my XXXX report is showing 100 % PAID... meaning NO PAYMENTS MISSED, while XXXX is missing completely, and XXXX has gaps in payment? This company did NOT do their due diligence into investigating my claim. Instead, I was sent a copy and paste letter with demanding sensitive documents such as a driver license ( which I will NOT provide to a company with such blatant disregard for the law. ) They sent me a contract that has a digital signature of my name ( simply written out as " XXXX XXXX '' ) and nothing else showing that this debt is in fact mine. 

I will be making a complaint to my state 's attorney general, XXXX XXXX XXXX as well as Mississippi 's attorney general XXXX XXXX XXXX to assist me with combatting the illegal practices of this collection agency. I will not provide you with my driver license. I have provided you with my FTC report and proof of your tacky and inaccurate reporting. This entire dialogue will be forwarded to any government official who can assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the Bureaus keep reporting on my credit files. However, credit bureaus and these companies - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they 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. Please remove the accounts 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 explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion XXXX  and XXXX  are reporting false information on my credit report. I filed a dispute its been over 30 days please remove XXXX XXXX XXXX from my file 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 explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: SC
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:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. lender/builders/builders agent all allowed the realtor to stay in the transaction all the way to closing and was supposed to assist the buyers and did not assist the buyers at all until only after being present on sigining of purchase agreementon XX/XX/2020. They were all informed that on the purchase agreement signed by the buyers and builder it was noted that this realtor would receive commission only if the brokers agreement fee was signed by all partiies. this agreement contract was in fact never signed by anyone and they refused to abide by what was on the contract due to the builder and the realtor having an " economic relationship '' together, which is against the fudiciary duties of the realtor. Realtors interest shoudl be for their client and in this case it was between the realtor and lender and seller/builder. 
2. Buyers refused to abide by the transaction and was informed that if not, there will be fined wth fees and can not anymore back up from the transaction. 
3. the home was appraised at XXXX and the loan was at XXXX which was noted on the loan estimate. on the day of closing and notarized, the lender changed the price of the home and sent the notary public to the buyers and informed them the need to sign the documents or will be fined with all delays and fees. the price of the home was changed to XXXX which was indeed over the amount they had provided on the apprasail week prior. Week prior the lender, provided different loan amount along with different closing cash needed to close and on the day of notary and closing, all the amount changed and forced the buyers to agree with this and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: VA
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: In progress
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 attempted to have ( 2 ) DISMISSED XXXX XXXXXXXX BANKRUPTCIES removed from my TRANSUNION credit report.TRANSUNION previously removed it in early XXXX but has since reinserted the information in the derogatory section. I have even provided a letter from the US Bankruptcy Court ( XXXX ) proving that they do not sell information to XXXX or an agency or third party associated with TRANSUNION. On XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX I filed a dispute, and all I received was a not saying verified. I asked for a written procedure of how this information is verified but TRANSUNION has not. MY next step will be filing a lawsuit in XXXX or XXXX XXXX Georgia if this information is not 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 2020-01-14
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:
I AM 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