BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
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: Public record information inaccurate

Complaint:
XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XX/XX/XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XX/XX/XXXXand also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date ofXX/XX/XXXX where there involvement did n't start until XX/XX/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 2020-05-22
Company: ONEMAIN FINANCE CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The name of the company is one main financial. In XXXX, NC. I got a personal loan from them many times, over the past couple of years. I entered into a debt management credit counseling program and they agreed to lower the interest rate. I came out of the credit counseling program, sent them proof, checked my credit report, it's showing as past due on XXXX and on XXXX  they still have me as part of the credit counseling program, after Ive sent them proof that I was no longer under it. This is hurting my credit honestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer 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 2018-04-06
Company: Capital Management Services, LP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are calling me on my work phone. I told them not to call here and gave them my cell phone number to contact instead. They stopped for a few days and now they are calling my work again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights.

15 U.S.C 1681 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 explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no 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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have repeatedly tried to dispute the incorrect information with the Credit Agency 's with little to no progress. 

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 611 ( a ) ( ( 7 ). The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EOS is suggesting I owe student debt. The debt is from a private loan from XXXX XXXX. This loan dates back to XXXX. I have not been a student in college since XXXX. When I attended college, it was a XXXX XXXX and I paid out of pocket. I explained to the customer service representative that these XXXX accounts are fraud and I was a victim of identity theft as early as XXXX. Under the FCRA & Statute of Limitations, these fraudulent accounts should have been removed from record years ago. Instead, EOS bought the fraudulent accounts and are harassing me in an effort to collect on bogus accounts. In explaining the situation to the customer service representative, I was clear that my police reports and FTC reports would be strong enough to show how my ID was stolen and personal information compromised. EOS is wrong on so many levels with this matter. I will be speaking to a lawyer to have them outline my rights and recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Certegy Holdings, LLC
State: MN
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. Theres negative and adverse information listed on my Certegy Consumer Report and the information is fraudulent, not my information and dont belong to me. I have attached a document for proof that I was XXXX for 17 years, so I shouldnt have any adverse or negative accounts or information listed on my Certegy Consumer Report. I should have a clean and positive consumer 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 2021-06-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America mess up my personal information with my sister, we are two different people with different SSN and address, but Bank of America always treat us as one person, they reported her credit card account into my credit report for many years. Either me or my sister has previously contacted Bank of America couple times to correct it in the past years, over the phone, the employee of Bank of America had promised to correct the information, however the bank never fixed it. In my recent home purchase this month, my lender charged my sister s credit card balance of {$350.00} to my loan CD even though I told them it doesnt belong to me, escrow officer sent me the check for this amount to pay to Bank of America. I still have the check on hand, dont know what the do with it, please help to solve this problem.

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: 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:
I Dont recongnize this account From XXXX XXXX In CO

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 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have reported to this company that they have my information mixed with someone else. I have sent over proof identity theft to this company. This company has removed their name from my XXXX   account after I disputed with them through XXXX, and left the fraudulent reports on my Transunion and XXXX accounts. I am willing to file a lawsuit against this company! I want to be treated equally as all Americans. I lost my father and Im trying to get his house thats up for sale done its been repossessed. This company is blocking me from my right to fair credit reporting. Ive spoken to a lady name XXXX who was rude on the phone saying you people always want to complain and she hung up! Ive never been treated like this in my life. Please have this company remove the fraudulent report from my credit report and charge whom ever you have an account with. Im at a lost for word with this bank. I will file a lawsuit against them and if Im not able to get the house that my father had, they better be willing to pay for my Discrimination Attorney!

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 2023-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XXXX XX/XX/2019, a representative, XXXX XXXX, of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, DE, XXXX phone number XXXX ext. XXXX contacted me at XXXX Hours XXXX XXXX and threatened me by way of stating that she, " will take you ( me ) to court and get a judgement against you ( me ) '' if I did not agree to make a payment to them. I had already informed her that I am on social security and I can not afford to pay. The representative repeatedly stated this until I said that I might be able to pay {$5.00}. At which time she began to belittle and berate me that she, " didn't know if that would be acceptable. '' When I requested a written letter about this debt I was informed that no written letter will be provided. I am reporting this to the CFPB because I fell that this type of coercion and abuse will continue if it is not reported.

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 2018-04-07
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered an item from XXXX XXXX on XX/XX/2017 for {$290.00}. XXXX shipped the item via XXXX   using an unsecure method ( see attached ie no signature required ). The package was either delivered to the wrong house or stolen. Either way I did not receive the item. XXXX refuses to take responsibility and Paypal will not refund my money. 

The attached docs document my case. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE INQUIRIES OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Customer Service Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been working with XXXX Cell : XXXX DRE # XXXX NMLS # XXXX at XXXX XXXX. Since XX/XX/2019 three of my family members filled out a loan application to get a pre approval for a home loan. He has all our social security numbers and personal information. He has not given our pre approval letter yet for a home loan and is using his home internet to process it as he states in a email. He states today his internet is not working. He keeps coming with excuses. 
At first he told us we can only get pre approval letter for the price we want to buy a house for. He would not give us a letter tell us how much we qualify for. He ripping of first time buyers and stealing information. 
By law a pre approval letter is given within 1 to 3 days not two weeks with or without the property being identified. XXXX states The 3 day process starts once a property has been identified.

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 2020-07-07
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 Credit Bureau previously deleted an account from my report in accordance with the Fair credit reporting Act-. The account was reinserted on my report without any notice or reasons from my dispute. 

PREVIOUSLY DELETED - XXXX XXXX XXXX - ACCT + XXXX - Credit report # XXXX REINSERTED as XXXX. XXXX XXXX -Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX - Account # 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 2021-06-27
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke with an individual from AFNI requesting my social security number and identifying information. I requested to know what their call was regarding. The individual seemed to become irritated and stated I owed a debt which I have no knowledge. There was an address in their file that they said belong to me. However, I never resided at that address. I lived in an entirely different state. The representative stated they'd mark the account as verified although it was being disputed. This derogatory mark has affected my credit with being subject to higher interest rates due to a collection item. I feel this is a direct violation of the Fair Credit Reporting Act by the creditor and XXXX. And I feel XXXX did not nor do they ever do their due diligence to investigate these matters. I feel XXXX always sides with the creditor. There needs to be reform to have credit bureaus do a better job. I've lost $ XXXX from this inaccurate reporting to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
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:
In or about XX/XX/2020, I disputed XXXXXXXX XXXX XXXXXXXX ' entry that is on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXXXXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report. Furthermore, XXXX XXXX  XXXX never notified me about this debt.

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 2021-02-23
Company: The Bureaus, 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation