BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: CA
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:
At XXXX XXXX XXXX, Phone Support. it is Completely waist of Time. Most of the Time, Un-resolve Issues. ON my Credit Report XXXX XXXX Account XXXX XXXX it's Not My Account. Also it Show XXXX Late Payment. That is Also Wrong. I do have XXXX Credit Line Account XXXX Never been LATE. 
I have tried, BANK as well EXPIRAN to Fix this Problem. And Un-fortunately BANK, and EXPIRANCE refuse to Fix it. 
And, I am on there Mercy. At the Moment I have applied for New HOME LOAN With the HELP of Current Admiration. Financially Helping American 's Families Back to TRACK. 
I like to Request. CFPB Please Expedite my CASE So I don't Lose opportunity getting Batter. FINANCING

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 2022-11-22
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
From the time we refinanced, the escrow was short about XXXX, unbeknownst to us, when I realized this I put extra in. They are still saying we are XXXX short although their own accounting has us at XXXX short but they refuse to fix the issue and are still insisting that we are XXXX short. I looked at all the numbers and the company is wrong and they are inconsistent.

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 2019-10-29
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:
There are several inquiries on my report that are simply NOT mines. I have ask the credit bureau several times to no avail to investigate each and every inquiry that does not bare an applicable account related to the inquiry. There has been sever time where I get a alert from my credit monitoring service telling me someone is applying for credit. I immediately contacted the credit bureau to notify the of the situation with no remedy.. I have seen with my own eyes. My father who is XXXX and I'm XXXX apply for credit using his Social security number and the inquiry immediately shows on my report. For this reason I have asked the credit bureau to investigate each and every inquiry but to no avil I have ask in writing as well via telephone. I've also ask for proff of all inquiries showing they belong to me ie and application bearing my name social security number and signature and address to prove that their report is completely accurate as reported but as of this date no responce was given!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2018-02-13
Company: WELLS FARGO & COMPANY
State: MA
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:
Got a credit report from XXXX  where it say that my identity was used as many others. saw that I have a hard inquiry from XXXX   which I never contacted. I made several complaint for identity theft to the XXXX, MA and XXXX, ME police departments. 
XXXX address : XXXX XXXX XXXX XXXX XXXX NV XXXX, phone number XXXX. The hard inquiry was made XX/XX/2016.

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 2017-09-19
Company: CITIBANK, N.A.
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:
This Citibank loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account has been paid off and sold to another creditor therefore, i am not liable for this account anymore, please remove. And is erronously being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a collection that is reporting on my report that clearly does not belong to me. Being that it is an eviction, it is public record, and it clearly states another persons name and not mine. I have disputed this matter several times and it keeps coming back as accurate. I know that no investigation is taking place because I have submitted a picture of the public record, which shows that this is 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 2021-08-25
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, an unexpected online debit came out of the account, putting the 'pending ' balance just in the negative. That evening I went online and transferred CASH from my XXXX account and CASH from my linked savings account to cover it. The available balance was again in the positive. I checked again around XXXX and found the website down and it would not show transactions or balances. Tried again around XXXX and found a positive available balance reflecting the deposits. Next day, I checked again. PNC had withdrawn money from my savings account to cover a negative balance. They also failed to credit my account for the rest of the CASH I put in, and ran the pending transactions through prior to crediting the CASH deposits.The CASH deposit was put in pending status. Come to find out, my account was off the money they transferred from savings, then took out, then charged me FOUR overdraft fees totaling {$140.00}! This put my account even more in the negative. I called them three times, once at the local branch, and again at the national number. No help. Called again, and the national number associate said she understood, but there was nothing she could do. 

I've attached a screen shot of my account balance pulled up after my CASH deposits showing a positive available balance around XXXX that night. I went to bed thinking everything was ok!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: IL
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:
I have contacted Experian on multiple occasions to discuss my dispute far as my bankruptcy. It has been on multiple occasion, where I have been lied to. I first reached out to Experian on XX/XX/XXXX by a way of mail, to let them know that the reporting of my Bankruptcy is showing incorrect. Then they sent me a letter back stating that it came back verified and that they updated information. I was confused on how it can be verified so quickly as courts were starting to close due to Covid-19. I began to wonder if that had even contacted the bankruptcy court to begin with. 
So, I questioned Experian and their validity to see if they even began to do their due diligence to contact the Bankruptcy court. So, I asked them how they verified this, who did they contact and how they contacted them. They told me that they did not verify it. I was in complete shock when I found out this as this could be a violation of the Fair credit reporting act. They told me that a third party by the name of XXXX XXXX has done it. I was still shocked to know they did not do a throughout investigation and then marked my bankruptcy as verified. 
So, I contacted XXXX XXXX to discover how they verified the information and did they follow the rules Experian was supposed to follow. They then sent me a letter in the mail stating that the information they received was verified through the bankruptcy court in Tennessee. I was shocked that Tennessee court did such a thing, so I contacted Tennessee bankruptcy court along with the bankruptcy court of Illinois. 
I reached out to both courts to discover that Experian and XXXX XXXX had been lying to me this entire time! The letters that I received back from both courthouses clearly shows a violation for both entities. The letters clearly state they did not provide nor verify information with these entities. Along with how these courts do not provide any information at all to the bureaus. When I had a phone conversation with the Clerk she expressed how she felt that these companies continue to fib to the American people ; and also Tennessee does not have my information on me because its not the state I filed with. She was so flabbergasted they did this because she could not even look me up in her system. All of which is a violation of the FCRA and is dishonest way for a major bureau such as itself to 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
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-11-09
Company: Experian Information Solutions 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:
I filed a dispute with the creditors due to invalid information on my credit report and there was no response within the 30 days. Per the companys policy I would like these items removed off my credit report due to companies not responding in a timely manner.

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 2021-08-25
Company: United Resource Systems, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company is collecting a debt that doesnt belong to me and refuses ro stop calling and now has reported me to my credit agency.

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 2023-01-06
Company: FirstPoint Collection Resources
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a parent borrower ( my daughter was a student ) and I borrowed {$41000.00} in total paid {$18000.00} so that left {$23000.00} unpaid. I am willing to pay base on my income I tried to apply for lower monthly payment with XXXX XXXX XXXX. They told me to consolidate the loan that in order I am able to lower payment. I thought that was I had been seeking and I applied for that option. Then they received email from XXXX ( XXXX XXXX XXXX ) for consolidation and I replied back right after regarding withdrawing the application due to missunstood because of the principal balance go higher that I did not know. The XXXX rejected my request of withdraw the application. I do not think it is right because borrower has right to cancel the application. 
I keep paying what I owe XXXX as much as I can but I never agree with the term of loan I have addressed this to XXXX but they ignore. I am seeking for help to solve this issue I hope CFPB may help. 

Thank you for your help in advance. 

XXXX XXXX my last SS # XXXX resident of XXXX XXXX XXXX, XXXX, Ma XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XXXX where there involvement did n't start until XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.

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 2021-11-29
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX CONTACTED ME TODAY REGARDING A DEBT FROM XXXX THAT WAS A RESULT OF FRAUD ON MY ACCOUNT. THIS OCCURED XXXX  YEARS AGO. I WAS NEVER NOTFIED BY XXXX AND WASNT AWARE UNTIL I TRIED TO USE MY ACCOUNT A WHILE AFTER. I THEN CONTACTED XXXX AND TOLD THEM IT WAS A RESULT OF FRAUD. NOW XXXX YEARS LATER, I RECEIVING COLLECTION CALLS WITH ATTEMPTS TO COLLECT A DEBT THAT WAS A RESULT OF FRAUD. XXXX XXXX NOTFIED ME IN WRITING OF MY RIGHT TO DISPUTE NOR DID THEY VALIDATE THIS ACCOUNT AS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked numerous times for TransUnion to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. TransUnion has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my 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 2021-09-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ) .According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with ( XXXX XXXX XXXX XXXX XXXX ). They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
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: Public record information inaccurate

Complaint:
XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XXXX where there involvement did n't start until XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: American Credit Acceptance, LLC
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:
I am a co signer on a car for my son, he filed a chapter XXXX Bankrutpcy and the full payments for the car is being made through the trustee. I spoke with American Credit Acceptance acct # XXXX and they advised me that even though they are getting paid it's their choice to report a late payment on my report. And I advised that the bankruptcy law does not say that they can still report on my credit report and the car is included in a chapter XXXX that is current. I asked them to removed the late fee that has been reported to my account and they refused. This is very unethical for a company to refuse to correct their mistake of trying to ruin someone credit, I am very upset that this company is allowed to do things like this and continue to be in business. taking advantage of people.This is double dipping. which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation