BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Today XX/XX/2021 I received an alert that XXXX XXXX placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from XXXX XXXX. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. Ive tried to dispute online with XXXX today, but I keep getting an error message. This is such an inconvenience. Also I tried calling XXXX and it doesnt give an option to speak with a live representative. I should be able to dispute something on my credit report without going through a 3rd party.

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 2021-04-28
Company: EQUIFAX, 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 six accounts and some inquiries on my credit report that do not belong to me I have been in dispute for these for over two years the credit bureaus are not helping me out I have opened an FTC i have done everything in my powers to remove these accounts but they are not going away. 

XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$470.00} XXXX XXXX Acct XXXX XXXX Amt {$960.00} XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$130.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX Amt {$10000.00} XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Amt {$1900.00} INQUIRIES XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX - Inquiry date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is showing a charge off on my credit file of {$42000.00} and this account does not belong to me. they've went as far as saying they have verified the information ; this information is in result of identity theft from someone stealing my information and law 15 usc 1681b states permissible purpose of consumer reports which they have broken I just want to get these accounts off that do not belong to me which Experian and XXXX have on 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 2021-07-10
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:
On XX/XX/XXXX I sent a Certified letter via USPS to XXXX XXXX that are reporting my Transunion Credit report as a XXXX XXXX default in the amount {$8000.00} as of XX/XX/XXXX. 

I requested validation of debt including contract, signatures, ledgers etc. As off today no response. Also a copy of the Certified letter REFUSED TO BE RECEIVED. ( SEE ATTACHED ). 

I have disputed via USPS 2 times with Transunion with copies of all proof. 

TRANSUNION REFUSES TO DELETE THIS UN-VERIFIED ACCOUNT BY THE INFORMATION PROVIDER.

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 2019-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
I'm currently experiencing fraud with my checking account for XXXX XXXX. I called immediately and had my account frozen. I called XXXX and XXXX to have a 30-day freeze put in on my credit. My bank of America is linked to my XXXX XXXX card so I called to explain the situation. The customer service representative assured me that I would not endure any late fees/negative credit reporting because the account is already closed and to make my payment once I can access my funds again. I was surprised to see the late payment open for my bank of America account. I called XXXX XXXX to have payments process to bank of America but only some funds could be verified. This is currently an on going nightmare for 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 2023-05-04
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 have been disputing this late payment with experian for 5 months. they will not update the error they have reporting from XX/XX/2022 that says my rocket mortgage account is 30 days late. Its not late and it needs to be update. XXXX and XXXX doesn't have it reported late which i have uploaded below. I am not understanding why experian keeps saying its verified when i have evidence that shows its inaccurate. This error has me getting denied for credit cards and home loans which is living me home less at the moment. I would really like this account fixed asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: EQUIFAX, INC.
State: AR
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:
On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud.   I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fradulent Accounts would be removed. On XXXX I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the accounts when XXXX and XXXX stated that the accounts were REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the accounts were Fraudlently opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: IL
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 fair credit reporting act XXXX accounts # 1 and # 2 listed below violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I worked with Citi to access my credit card account and they closed my credit card account against my will. I am worried that this will impact my credit score. I will promptly work with Citi to try and re-open the account, but I have the same concern. I am worried that my account closure will affect my credit score when there is a lack of sure-ness about if their processes " identifying the fraud event '' is so sure or not. regardless, I requested that they don't close the account, yet they closed it anyway.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: LA
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 am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 2021-07-10
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: Public record information inaccurate

Complaint:
my bankruptcy has the wrong closing date/resolution date exsperian has XX/XX/2014 the correct date is XX/XX/2014

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 2021-07-10
Company: ERC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I want to thank you for helping me before. Now LoanCare has blocked me from accessing my mortgage account and will not help me. I am sure it is because I reported them. I have tried for over a week to contact them to get a mortgage statement. Today after speaking with 7 persons I was told I am unable to access my account due to the " agreement '' we now have for my loan modification. They all say something different. AND I found an email saying I was approved for the forbearance on XX/XX/XXXX of last year- they have repeatedly tried to tell me I was behind in my mortgage on XX/XX/2020. I have that email. 
I have received information from the Colorado Housing Assistance Program that will help me with 2 months of mortgage and they have requested a mortgage statement. LoanCare will not help me. Also since I am unable to access my account I can not print my 1098 to do my taxes. When I call them I get transferred 2-4 times all getting different answers. I am surprised there is not a class action lawsuit at this point from customers like myself. I can not afford to sue a giant company. They are just awful. I am truly trying to fix my 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 explanation
Consumer complaint received 2021-04-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have contacted Fedloan Servicing repeatedly about my students loans as they are miscalculating my PSLF payments. I have spent hours on the phone and emailing, but I get contradictory information and they still refuse to answer basic questions or track my payments accurately. I worked for a qualifying employer from XXXX. I made payments on my loans during this time. I submitted an Employment Certification Form ( EFC ) twice to Fedloan Servicing. They lost the first form, and I had to speak to a manager to get them to look at the second form. At first, they claimed I consolidated in XXXX, so payments in XXXX wouldn't qualify. Now they claim I was not on an eligible repayment plan, but they can not tell me what plan I was on, and I was on a qualifying plan ( either income-based or standard ). I went to graduate school, graduated, and then worked for a qualifying employer from XXXXpresent. I want my prior payments counted by a high level supervisor like before. I want them to check to see what repayment plan I was on from XXXX. They were not my loan servicer then, which is probably why they are doing such a terrible job tracking payments and repayment information from that time, but that does not excuse robbing me of credit for four and a half years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX Asset-Backed Pass- Through Certificates Series XXXX ( Plaintiff ) and Ocwen Loan Servicing ( Servicer ) failed to furnish Defendant documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Through Certificates XXXX XXXX, including all Notes that should have been properly indorsed each time they were transferred. 
For the foregoing reasons, I ( the Defendant ) demand documentation of this time-barred debt from Plaintiff, servicer and XXXX and XXXX attorneys. 
Most detrimental to the lost of my property XXXX XXXX XXXX, XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX highlighted ), the Trust and mortgage servicer all have failed to furnish an authentic promissory note and the Trust Pooling and Servicing agreements for XXXX & XXXX, that should prove " standing '' for an eviction and foreclosure proceedings. 
Per the SEC filings, the " Attestation '' most recent filing was XXXX and not referencing XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a fraudulent credit card opened for XXXX XXXX in the amount of {$1200.00}. When I disputed this I submitted documentation from the FTC as proof that this account is fraudulent and they refuse to remove this from my credit profile.

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 2021-07-10
Company: EQUIFAX, 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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Zelle restricted my phone number upon a fraud claim by a person I sold a good on XXXX. That was a false claim and that person told me that he cancelled the dispute. No matter how many times I've called Zelle, my bank or send an email to them, they didn't help me with activating back my phone number with Zelle. Now I can't use my phone number with any banks via Zelle also can't use Zelle at all with XXXXXXXX XXXX.

Company response to consumer: Closed with explanation