BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
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:
Upon inspection of my credit report I noticed the following collection account information to be fraudulent and need to be deleted from my file. 

Account Name : Account Number : Account Date : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX these addresses as they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: NM
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:
In XX/XX/XXXX we were behind on our mortgage because of a loss of employment. We were able to sell our home and the title records show we sold our home. Earlier this year we got a construction loan and started building a home. We are getting close to completion and started working on the mortgage loan. We were turned down because at least one of the credit reporting agencies are reporting the mortgage as a foreclosure. In XXXX we contested this with XXXX XXXX ( XXXX  ) after learning about it when we tried to buy a car in XX/XX/XXXX. We have the letter from XXXX that states they started a foreclosure process in XX/XX/XXXX but it was not completed and the loan was paid in full after the sale in XXXX. We thought that the reporting was corrected. To start this home project we pulled money out of a retirement fund. We have been turned down by two lenders because " we had a foreclosure within the past 7 year ''. If we don't get a mortgage by the time the construction is complete and loan is due, we will loose this house and the XXXX we invested from our retirement. We have records of the sale, the county assessor shows the sale, yet we stand to loose everything because Experian is reporting this as " foreclosure or repossession ''.

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 2020-04-26
Company: Navient Solutions, LLC.
State: UT
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 have been paying on this loan for over 9 years and only paid down {$2000.00} but recently with coronavirus I received an email that my loan is in forbearance for the next six months to help with what is going on which is very helpful however when I check on my account today it shows that my balance increased by XXXX. How is that when my account is on a forbearance by the government? Like I said I cant seem to get this balance down and Ive been paying for YEARS! Ive never missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX XXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX XXXX XXXX  is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: MD
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:
On my credit report- XXXX is being reported as a charged off. Account # XXXX. Yet, I am paying XXXX - This account is not settled or charged off.

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 2021-10-26
Company: EQUIFAX, INC.
State: IN
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 have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 190 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These inquiries are not mine. I have never authorized them at all. I do not know them and this misleading information does not let me proceed in my life. What is that? Please help me and delete them after investigation. Let me know who did it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: EQUIFAX, INC.
State: OH
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 've recently been noticing my credit score going down. Today I got a full report and it shows that there is a XXXX XXXX account that belongs to my father under my name. We have the same names, I understand how this happened but it should n't of happened because whoever inputted the data should of properly done their job and looked at social security numbers instead of our names. Please take the necessary actions for this account to be taken off of my record. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX in XXXX XXXX is on my credit report - do not recognized this company XXXX XXXX in XXXX XXXX is on my credit report - did ant apply for anything

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 2019-07-02
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:
XXXX XXXX is my name my social security number is XXXX XX/XX/XXXX my complaint is that trans union credit didnt removed the account s with dept of ed XXXX theirs a total of 14 acconts all accounts are fraud account number XXXX along with several other accounts please have trans union removed these accounts from my credit report its affecting me. All negative accounts are 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 explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent in a police report along with a dispute letter about the XXXX XXXX account thats reporting on my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 am a consumer attempting to correct inaccurate and unverifiable information on my consumer report. There is information that is in violation under the Fair Credit Reporting Act. A specific account which is a collection account on my consumer report is reporting inaccurately. The company has a duty to follow federal law and is in violation of the FCRA. This company has not properly verified this account. Please remove this account. 

Account : XXXX XXXX Amount : {$1200.00} Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
XXXX accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-02-12
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: Personal information incorrect

Complaint:
XXXX XXXX and Trans Union is reporting my address wrong with multiple addresses where I do not live. 

Theyre also reporting my experiences with a company which is illegal. 

Late payments and hard inquiries are illegal and need to be removed. 
No financial institution can share my information without my consent or experiences. The exclusions listed below : Consumer ( Individual ) Company ( person ) Transactions ( payment history ) Experiences ( utilizations ) Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 USC 1681a section 2 subsection ( 1 ) A & I under exclusions 15 USC 6802 section 2 15 USC 1681n

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 2020-07-17
Company: Home Point Financial Corporation
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My name is XXXX XXXX. I have a Loan # XXXX at Home Point Financial - They did a mistake on my account that resulted my account to be late and on default by their mistake. This caused them to report late payments to the credit bureau which caused me to loose a mortgage loan I was closing to purchase a new property. With this said I have now $ XXXX on stake in an Escrow Account. I have been trying to resolve this issue with HOME Point Financial and they were unable to give me proper responses. 
I have sent over 17 emails, and talked to several customer services representatives and managers. Their legal department based on their actions is a total FRAUD. 
They were unable to resolve this problem in timely manner and because of their mistake I am at risk of loss money or expend hundreds of thousands of dollars as I need to take a private loan instead of a conventional loan that was denied because they WRONGFUL ACTIONS. I have spent over a week on the phone with them and they were unable to act towards this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
XXXX acquired my current Mortgage loan from XXXX XXXX effective XX/XX/2023, but XXXX is still sending and calling me to pay a mortgage payment for XXXX and XX/XX/2023. I pay all mortgage payments to XXXX, my current morgage lender, and I do not have an active account with XXXX XXXX. I should not have an open Tradeline with XXXX XXXX on my credit profile Also, I indicated to XXXX XXXX that I did not give permission for them to provider private information to any other parties I also, dont give any Credit reporting agencies to give my private information to any other 3rd parties ( per 15 US Code 1681b _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
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: Old information reappears or never goes away

Complaint:
I have tried to no avail to get the credit agencies to acknowledge the incorrect information on 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 2019-07-02
Company: EQUIFAX, 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 Sent in a dispute to XXXX, Equifax and XXXX inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I haven't Received no physical document of debt or corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had 2 deposits for XXXX in my checking account on XX/XX/2023 that was on hold until XX/XX/XXXX and XXXX in my savings that was deposited XX/XX/2023 and was on hold until the XX/XX/2023 and once they both was available for use and then they restricted my account. Causing me to be homeless NEVER HAD A PROBLEM WITH MY DEPOSITS UNTIL I JOINED CHASE.HAVENT HAD ANY ACCESS TO MY MONEY OR NO MONEY goin on 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT ADJUSTERS On XX/XX/2021 I Had requested for validation on to a debt collection. Where the company responded to my CFPB case number XXXX XXXX. Where The Director of Nation Credit Adjuster, XXXX XXXX XXXX responded back and submitted a document through CFPB that NCA will investigate the debt and as the original debt to present they validation of contract, and other information that I have requested upon to see if the debt is genuine. 

During the NCA response letter it appears that NCA will continue to damage my credit score and keep trying to collect a debt that can not validate to me XXXX XXXX XXXX wanted more time to investigate but refused to delete the debt from the major credit bureaus where its is Law the FCRA is assigned to show Accuracy and transparent of the debt which NCA has failed to produce. 

XXXX XXXX, It is Law! That you immediately delete the debt from my credit report as per your statement that the company needs more time to investigation and reach out to the original contract. 

By Law You shouldnt have your company damaging my credit score for no reason and try to collect a debt without the proper documentations. Your violations the FCRA now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This appears to be a case of fraud. My brother XXXX purchased the gift card to reimburse me for some tickets that I purchased for him. Per the receipt, he purchased the card at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) in XXXX, UT. XXXX 's is part of the XXXX family of stores. 

Card purchased on XX/XX/2023. I received the card from my brother on XX/XX/2023 and attempted to activate the card on XX/XX/2023 at www.prepaidgiftbalance.com. The original amount on the gift card was {$120.00}. Apparently, the card had already been activated, because I could not register my information online. Called the number on the back of card : XXXX, entered the 16-digit card number ( XXXX gift card ) and then security number. The automated response offered an option to hear the current balance. Balance was {$28.00}. Could not get a live person on the line. 

Called the number again this morning, got a rep, gave them the card Information and my name, only to be told that the name on record did not match my name. Clearly a fraudster. Pretty sure that I will not be able to recover anything, but wanted to report this. 

Store location is : XXXX 's, XXXX XXXX XXXX, XXXX, UT. XXXX. I work in the banking regulatory arena, so I know that it helps to report these instances to protect the next unwitting consumer/customer. 

XXXX XXXX, XXXX XXXX, FDIC

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 monetary relief
Consumer complaint received 2022-12-07
Company: Affirm Holdings, Inc
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have an XXXX Credit Card. I pay my bills religiously on time. I keep getting phone calls and text from a place called Affirm. They tell me they are a debt collector. They keep telling me I own late fees of different amounts from XXXX dollars to XXXX. I felt this was shady, so I told them so and contacted XXXX myself. They reported I am up to date on my account and no amount is owed by me. The phone number in which they call me from is this one.XXXX My documents to prove I'm up to date are included.

Company response to consumer: Closed with explanation