BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-23
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 status incorrect

Complaint:
I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX  owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA  and XXXX XXXX guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My XXXX account XXXX is not reporting to TransUnion and as a result, my credit rating is being adversely affected when compared to the other credit bureaus as my average age of accounts as well as my available credit is not accurate because TransUnion is not considering this account when factoring my credit score. 

I have contacted XXXX who issues the XXXX credit card and they advised they are reporting the account to XXXX, XXXX and TransUnion. See attached letter.

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 2023-06-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting a collection that i have no acknowledged of, ive sent letters and FTC reports and police reports. the company is stating that the account is " Verified as Accurate '' but have not provide any documents showing that the account is " mines '

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Experian Information Solutions Inc.
State: MD
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 contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a 3rd party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.

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 2018-07-24
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: Their investigation did not fix an error on your report

Complaint:
I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit report that were past the statute of limitations.

2.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
After throughly reviewing my credit report I found PROOF OF INACCURATE REPORTING. Which is also a violation of FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention to be deleted in my file : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX Inquired on XXXX  XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2018-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX - XXXX XXXX XXXX XXXX - Address XXXX XXXX XXXX XXXX, KY XXXX. Cost {$830.00}. Paid. PLEASE REMOVE XXXX XXXX - XXXX XXXX XXXX {$230.00}. PLEASE REMOVE XXXX XXXX XXXX {$44.00} - XXXX XXXX XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX, TN XXXX - PLEASE REMOVE XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX - Address XXXX XXXX XXXX XXXX, OH XXXX PLEASE REMOVE

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX CO XXXX XXXX XXXX CO 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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit report that were past the statute of limitations.

2.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.

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 2021-03-26
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the period of XX/XX/09 thru XX/XX/09 our home lender Citi Mortgage put our loan into a trial program in order to lower our monthly payments. 
After the 120 day period without as they said they never received any monthly payments towards our loan, or, also, never receiving any paperwork which was totally untrue as we had sent them a minimum of four times, still made our mortgage payments but as a small reduced amount, until we were approved in their plan, we were sent a foreclosure letter stating our home was in arrears and was on the steps of the Supreme court of Arizona the following week for the highest bidder. 
Through my wifes diligence getting through to the main offices in Missouri to the Citi bank lawyers, we were told if we sent {$17000.00} US dollars in a specific time the proceedings would be voided. 
This we did by quickly borrowing from family and saved us from thrown into the street.

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 2018-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent a certified letter to all three credit bureaus requesting they delete this Closed account from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. It has been well over XXXX days and still no response at all. This violates the FCRA laws that state the credit bureaus have a responsibility to report accurate information within a timely manner. And this was not done. I have been denied credit and my credit score has decreased drastically.

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 2018-12-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX I'm a victim of ID Theft and I have sent chexsystem a copy of my ID Theft police report.

These two accounts are listed on my chexsystem report do to ID Theft. The last Four digits associated with these 2 accounts does not match my Social.

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 2020-07-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
continue dispute all credit agencies violated section 605A/605B fcra id fraud ... remove all outdated and fraud accounts " XXXX XXXX XXXX AND XXXX XXXX ... REMOVE FROM ALL 3 CREDIT REPORTS ... .OTHER CASE # 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 2020-11-28
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2020 at Huntington Bank XXXX XXXX, XXXX  XXXX opened XXXX XXXX check account. Personal banker Mrs. XXXX took information, deposited initial deposit of {$12000.00} which would be half of balance needed for requirements to receive a {$500.00} bonus. We did a {$.00} test deposit so I could go to my account online and make deposits and manage my account. Followed up a couple days later, still no account, unable to manage account or make a deposit. Not even able to locate an account online. Called bank, no answers as to where my account was in this institution. Returned to this bank 's branch in XXXX XXXX, Illinois to receive my initial deposit of {$12000.00} after several calls and confirming with my banks that checks had cleared for the {$12000.00}. After several calls and waiting was able to receive my deposit. Filed a complaint with Illinois AG Office. On XX/XX/2020 received a call from a Mr . XXXX XXXX of Huntington Bank who basically stated " His bank could refuse to open an account with anyone for any reason they deemed necessary ''. I asked for a reason in my case, he claimed he did not know. 
I asked why he called, he stated just to inform me. I I have 800+ credit score, bank relationships with XXXX XXXX and XXXX XXXX . Purchased a home, mortgage from XXXX XXXX in XX/XX/2020. Why no account with Huntington??? I want them to pay the {$500.00} promotional amount that I was prepared to meet the requirements to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number : No Account Number listed. PLEASE REMOVE XXXX XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. Original XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN PAID

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: SC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
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: Account status incorrect

Complaint:
Equifax is leaving case XXXX open but sent the attached letter to me which shows again that they did not conduct an investigation per my request which is a violation of my rights under FCRA. They also did not conduct the investigation per my CFPB complaint. They are clearly showing no regard for the FCRA. Their non-compliance under section 616 of the FCRA is greatly affecting my ability to obtain credit. If these inquiries are not immediately removed, I will file a complaint with the FTC and Attorney General with the proof of there violation and proceed with filing suit through my local court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone else have my identity stole. That persona have my social security number and driver lincense number and my Home Andress as me! I never get those service this medical data system want me to pay to XXXX XXXX XXXX Im provide the enough prove to confirm I wasnt me the person .. Im asking to make a fair decisions and stop report it to my credit and stop sending bill I dont own is very hard for then to be believe wasnt me but the sending me inaccurate information about this I never singnature any document to you or never get any attention from this hospital at this time

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 2018-12-08
Company: U.S. BANCORP
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 status incorrect

Complaint:
account was initiating an automatic payment and they did not process the payment on time then i pay over the phone to put the account on time.

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