BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the inquiries and charge-off accounts. No changes were made. No investigation was conducted at all. Please remove and update these items immediately. Below are the inaccurate accounts on my credit report : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 RECONIZED UNAUTHURIZED INQURIES ON MY CREDIT REPORT XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 TransUnion I HAVE SENT LETTERS OUT TO VERIFY ANY OPEN ACCOUNTS AND THERE ARE NONE TO DISPUTE PLEASE REMOVE INQURY OR VERIFY ACCOUNTS

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 2020-07-22
Company: Experian Information Solutions Inc.
State: FL
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2021-07-20
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of today, my homeowners insurance company has not received the premium from my mortgage company, Primary Residential Mortgage. This is completely unacceptable since I have ample funds in my escrow account which the mortgage company has not disbursed and my house was in jeopardy of being uninsured. I had to send the insurance company a one month payment to temporarily bind my policy. Again, unacceptable. The mortgage company was made aware of this issue before the end of XXXX when I initially called and spoke to them on XX/XX/2021. They said they would send the payment. They did not. Again, unacceptable. Furthermore, it is well documented I called again on XX/XX/2021 and was told the mortgage company would not pay the premium until I sent the declarations pages and invoice. I emailed it to them immediately even though the insurance company already sent the invoice the end of XXXX to pay my premium by the end of XXXX but the mortgage company failed to do so. Again, unacceptable. I sincerely regret using this mortgage company for my refinance and will be considering terminating my escrow account for their incompetence. Again, unacceptable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17
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: Account information incorrect

Complaint:
XXXX and XXXX are both reporting my XXXX XXXX balance as {$400.00} that is not correct. I notified both companies and informed XXXX XXXX so they can resend the info bit no change Experian, XXXX and XXXX are reporting on my XXXX account incorrectly I again have notified the credit bureaus and the company with no update to the file XXXX, XXXX both are reporting XXXX XXXX with a balance but that account has been paid off for a month

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX. Account XXXX XXXX XXXX  XXXX XXXX # XXXX, Account XXXX XXXX XXXX  # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX in XXXX XXXX, including filing a complaint w XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to XXXX XXXX and they have removed my credit dispute from 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 2023-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Personal information incorrect

Complaint:
The address XXXX XXXX XXXX, XXXX, GA, XXXX does not belong on my credit report and should be removed immediately The ONLY address should be XXXX XXXX XXXX, XXXX, GA, 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 2021-07-20
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:
Ive been a victim for identity theft. The following inquiries are a result of fraud. The inquiries as follows 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Im never requested credit or did an application for these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
please be advised that a copy of this letter has also been sent via certified mail. the equifax, and XXXX credit reporting agency both continues to be dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, it was confirmed that the company XXXX was the supplier of this invalid account being reported, but they could not validate these bankruptcies with XXXX and therefore XXXX deleted the items, however equifax and XXXX continue to say that this company is their supplier of this invalid info.I hav never lived at the address this bankruptcy was filed under, so I called them to request that I have this validated and they stated that they have not validated this debt with equifax, XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). please provide me with the courthouse name, address, phone number of who verified this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX a mistake was made with my escrow account. A amount of {$1500.00} was paid to a company out of my escrow account. The company admitted the error and spoke to my mortgage company ( Shellpoint Mortgage ) advising them that they were refunding that amount which was to go back into my escrow account which they did on XXXX XXXX. When i went to pay my XXXX XXXX to ( Shellpoint Mortgage XXXX my surprise they had applied the amount as a my XX/XX/XXXX mortgage that was due. I contact my mortgage company ( Shellpoint Mortgage ) with several emails and phone calls asking them to put the funds {$1500.00} back into my escrow account and i would make my XXXX payment myself. To this day since XX/XX/2020 i have held onto my XXXX payment until they ( Shellpoint Mortgage ) put the money back in escrow. This error has shorted my escrow account tremendously and forced my monthly mortgage payments to increase by {$500.00}. It is now almost XXXX and i have the funds in my bank account ready to pay XXXX payment but have not done so until they ( Shellpoint Mortgage ) put the {$1500.00} back into my escrow 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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On my transunion credit report these are not my accounts or inquires

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 2020-07-22
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 DISPUTED ACCOUNTS ATTACHED HAS BEEN HARMING MY CREDIT FILE AND CAUSING SERIOUS DAMAGE TO THE THREE REPORTING BUREAUS. I HAVE ATTACHED A REPORTING WITH THE DEROGATORIES THAT NEEDS TO BE REMOVED OFF MY CREDIT FILE. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT WITH SO MANY INACCURATE REPORTINGS ON MY CREDIT FILE. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS REMOVED OFFMY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of a total of six accounts & some inquiries reflecting negatively on my credit report on XX/XX/20 when I was denied from getting an auto loan. The accounts do not belong to me and I have never given anyone permission to open these accounts in my name. I have no idea who opened these accounts without my permission but I did not benefit anything from them such as money, goods, services, or any other benefit nor did I ever make any payments towards these accounts. I do not have any written/verbal contract with any of the companies I listed nor did I ever give them permission to access my credit history or personal information. I have filed a police report regarding these unauthorized accounts.

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 2020-07-22
Company: United Accounts, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I was a client of XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Ph. XXXX XXXX XXXX. I had Insurance & went there for XXXX  & XXXX XXXX. WORST XXXX ever, never adjusted -just used a small pogo stick on XXXX  & XXXX  ... awful.. aFTER FIRST VISIT, HE SAID HE WANTED TAKE XXXX.i ASKED IF MY INSURANCE COVERED IT-HE SAID YES ONE SET BUT HE WANTED TSKE 2. iF MY INSURANCE WOULD NOT COVER-HE WOULD NOT CHARGE ME. he never EVEN SHOWED ME THE XXXX. aFTER FIRST ADJUSTMENT HE SENT ME DOWN TO AA ROOM FOR SOME EXCERCISE training. After I asked if my insurance covered this, because if it didn't-I didn't want it & I dont like excercise classes anyway-I work hard. I was asked to sign paperwork about insurance & patient responsability ... I did & WROTE ON THE PAPER : : If my insurance dont cover it I DONT WANT IT. I only went ther 6 or 7 times, found a much better XXXX  & stayed with him a few years until I moved to XXXX   in XXXX. Never heard from the smuck until XX/XX/XXXX when I seen on My CREDIT FILE. contacted office once but got no where. XXXX XXXX was a drunk & XXXX XXXX. I dont owe him anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
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: Account information incorrect

Complaint:
After reviewing my credit file I realized that there were some discrepancies on my credit reports that are violations of my consumer rights according to the FCRA. Both Equifax and XXXX are reporting two different amounts for the high credit and the credit limit on my credit reports for XXXX XXXX I am distressed that they have included this information on my credit profile and have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the reports that they publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Chime Financial Inc
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX I was at the hairdresser I went to the restroom came out my ride was there I grabbed my coat and left went to the store noticed I didnt have my purse went back to get it no answer so I went straight home got on the computer to shut my cards down I noticed all my money was gone I called chime reported it and started a dispute they couldnt dispute the {$6000.00} yet they were still pending but they did dispute the transfer for {$2000.00} that was made to a person I dont know not long after that before I could file a police report and fill out the dispute paperwork they denied my claim XXXX so I got it reopened and I sent the police report still hadnt gotten the paperwork to fill out they denied it again so my other pending transactions cleared they started the dispute on these moments later I get a email where they denied my claim XXXX without a police report and no paperwork just denied my claim this is sick I have filed a fraud report and it should be ready for pick up soon Ive had this problem with chime before but the merchant paid me cause it was an error on they part chime is responsible for my money FDIC up to {$250000.00} they say the app is secured it cant be if some hacked into my app and took all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, 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:
The ITEMS listed below are reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX  Bankruptcy Date XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: LA
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
TRANSUNION : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX  : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # 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 2023-07-25
Company: Rossman & Co & PCB
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling everyday and hanging up when I answer. They do not leave a message when I don't answer. I have never been harassed like this before.

Company response to consumer: Untimely response