BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
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:
On XX/XX/21 while reviewing my consumer report furnished by EXPERIAN, I noticed an unauthorized inquiry initiated by XXXX XXXX XXXX XXXX in which I did not authorize or consent to. 

On XX/XX/21 I sent XXXX XXXX XXXX XXXX a letter in which they received on XX/XX/21 notifying them of the unauthorized credit inquiry in which they initiated that is furnished on my consumer report. In that letter, I notified XXXX XXXX XXXX XXXX that I did not authorize anyone employed by their company to view my personal information, They violated the FCRA 15 USC 1681b ( 2 ), and that XXXX XXXX XXXX XXXX isn't entitled to make the inquiry which is a serious breach of my consumer rights. I also requested that XXXX XXXX XXXX XXXX provide a signed copy of the authorization form that gave them the right to initiate a consumer credit transaction on my behalf. 

On XX/XX/21, I received correspondence from XXXX XXXX XXXX XXXX alleging that they are unable to research the issue. 

On XX/XX/21, I sent XXXX XXXX XXXX XXXX a cease and desist whereas I demanded the following : provide an audit trail, deletion from all consumer reports, validation, provide name, address, and phone number of the original creditor, provide name, address, and phone number of all parties that benefitted from this illegal transaction, cease and rescind the use of my intellectual property, my signature, and return all requested documentation so that I can properly assess the validity of this transaction pursuant 15 USC 1692g. 

XXXX XXXX XXXX XXXX has been non compliant to my demands. XXXX XXXX XXXX XXXX has failed to respond or send the requested documents. XXXX XXXX XXXX XXXX is violating my consumer right to validate the debt pursuant 15 USC 1692g.

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 2019-10-24
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I co-signed for a {$1600.00} loan for my daughter back in XXXX I believe, she consolidated this with another loan of {$16000.00} and they are saying I'm now responsible for {$19000.00}. I didn't consolidate this loan. They have all of my information which my daughter has access to. I was informed that I would have to take action against my child or pay the bill. It is not my bill to pay. I would gladly pay the {$1600.00}, but I'm not sure how it can be legal for them to force me to pay after the interest almost {$40000.00} in student loans that are not mine. I didn't even know this loan existed until XX/XX/XXXX when it showed up on my credit report when I was going to get a home equity loan. It was not on my credit report when I refinanced my house in XXXX. I find this to be a bit sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have worked with Loandepot for refinancing. I have provided all documents to them and got their final approval. So we are working on closing disclosure and scheduled an appointment with title company to complete the document. When I was heading to title company, Title company said it was canceled. I was trying to reach out with LoanDepot for the reason but my contact and her supervisor can not reach even I left voice message or Email. So I don't have any visibility on my refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
On XX/XX/2022 I submitted information in regards to inaccurate information being reported on my credit report. I was also informed by the US Bankruptcy Court of Chicago that they do not report any information to the Credit bureaus in regards to a consumer. I ( the Consumer ) haven't given any written permission for anyone including Equifax, XXXX and XXXX to report any of the items listed in this report on my credit report according to 15 US Code 1681B therefore my character as a consumer has been violated and tournished. There was no proper investigation taken by no credit bureau to verify this information and it has been more than 6 months since I first reported it. PLEASE REMOVE FROM MY CREDIT REPORT OR I WILL HAVE TO TAKE FURTHER ACTION. THIS IS AGAINST THE FCRA AND MY CONSUMER RIGHTS ARE BEING VIOLATED. I WILL IN ADDITION REPORT THIS FRAUDULENT ACT TO THE XXXX AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: FEARON FINANCIAL LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This advertisement does not give rates, APR or what other costs are involved. Also, I am not sure if they will help me because the size of home I want to purchase doesn't meet their specifications? Will they only help me if I have enough money to buy a home worth a certain amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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:
This is the third attempt to resolve this issue with credit bureau ( provided proof of delivery of request. ) The inquiries listed below were never authorized by me and are reporting as a credit error. I have no resolution with the 3 credit reporting agencies and I am requesting assistance to please remove all credit error inquiries. 

XXXX XXXX XXXX  You applied for a credit card on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never had an account with the company reached out via mail requesting a contract or any information that shows proof that I had an account and agreed to pay them. Nothing in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BMO Harris Bank N.A . is claiming not to have received an XXXX payment that in fact shows received. I have been speaking with a representative in the compliant department since XX/XX/2020 and he too is having difficulty having the account reconciled. I have also filed a compliant with the XXXX XXXX XXXX. The XXXX closed the complaint as the business claimed to have sent me a letter. The letter I received was that I still owe a payment. Prior to this, I was speaking with Customer Representatives over the phone that were unable to figure out why the payment was missing. I have statements showing the business has taken the money from my account .... 

- XX/XX/2020 = {$750.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$770.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$750.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$760.00} ( applied to the XX/XX/2020 amount due ; the statement received showed a balance owed of {$480.00}. The representative I spoke with claimed the account would resolve itself as I have been making the payments. So, just to make my normal payment. ) - XX/XX/2020 = {$720.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$43.00} ( applied to the XX/XX/2020 amount due ; this was due to a Representative calling me and telling me if I paid this, I would be current, owing a payment for XX/XX/2020 ). 

I have yet to receive my XXXX statement ( and never received a XXXX statement ), which I was hoping to see the account reconciled. However, instead I received another letter stating that I missed my XXXX payment. I'm not sure if the bank is failing to apply the payment and keeping it in unapplied funds ( this was a theory of my Complaint Representative ), but this needs to be resolved. The compliant Representative XXXX XXXX has not returned any of my calls or emails since XX/XX/XXXX and his Manager XXXX XXXX has declined to get involved. Another email address that has fallen silent is XXXX. This is the email address Representatives keep giving to submit for review. I have emailed this email address four times to try and get a response. Just to be clear, I have emailed the XXXX address, made two complaints on the BMO website and two complaints on the XXXX with still no resolve.

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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX # XXXX Beginning XX/XX/XXXX account shows in Collection. This student loan was deferred due to the serious illness of my son. The account is not in collection. It was deferred to XX/XX/XXXX. 
Also, even though this loan was deferred, I continued to make payments of {$220.00} each month. 

It seems wrong that this account would show in collection when it was deferred and I continued to make payments. It was never explained to me that if I deferred the payment the loan would show in collection. 

Thank you, 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 explanation
Consumer complaint received 2019-10-24
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 recently conducted a review of my Equifax credit report, and I noticed that their agency showed Nine ( 9 ) credit inquiries that I find to be problematic which may be due to a breach of their system. 

The first inquiry in question was apparently made by XXXX - XXXX XXXX XX/XX/XXXX. XXXX XXXX from XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. 
Along with ACCOUNT XXXX XXXX ( NOT MY ACCOUNT ) I have no recollection of doing any business with the listed. 

I contacted Equifax and asked them to take action to get this inquiry and Account removed from their records and to erase any record of the inquiry. They told me they CAN NOT. 
Which has prompted me to Complaint here and prepare to file a lawsuit? 

Please investigate/Remove these inquiries and Accounts at your earliest possible convenience or I will go forward with my lawsuit. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-10-05
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:
XXXX, Equifax, and the XXXX XXXX XXXX is reporting inaccurate information on my consumer report and they refuse to remove the inaccurate information which is a violation of the FCRA. They are reporting account XXXX XXXX XXXX on my consumer report and i have no knowledge of this account. I've sent numerous letters to XXXX and Equifax asking them to remove the account, but they keep stating the account has been verified without sending me any information on how and who verified this account. If this account is not remove immeditely i will be forced to file litigation against all 3 companies. Also As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY. They have violated my privacy which can be considered identity theft. They do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In late XXXX I was alerted that on XXXX there was a hard inquiry on my credit report from XXXX XXXX BXXXX. I did not apply for any lines of credit so I immediately called the bank and informed them that this was not me. They confirmed that this line of credit was not applied for in error, so therefore it must be fraud. They cancelled the application and line of credit. 

I am now in the process of trying to get this hard inquiry removed from my credit report and XXXX XXXX XXXX  has asked me to file this complaint with the FTC / CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15
Company: ERC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XXXX Account Number : XXXX Balance : $ SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : XXXX   XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/2018 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX - Without Prejudice UCC 1-308 )

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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Tried getting access to credit report. keep getting error.

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 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Credit card account was closed due to lost credit card. A new account was opened and a new credit card was issued. The closed credit card account is still appearing as open with the original balance that was transferred to the new account rather than being reported as closed due to lost card with a XXXX balance. The new account is also appearing with a balance. The credit reports show 2 of the same accounts : the closed reporting as open and the new inaccurately also reporting double the amount of debt. I have filed disputes with all 3 credit bureaus and contacted the company, but it has NOT been corrected. Also this company as slow and sometimes fails to produce a credit card statement, and unpredictably reports to some bureaus and not the other, and/or the credit reporting agencies are not processing the information they receive from this company and updating timely and accurately.

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 2020-12-02
Company: Experian Information Solutions Inc.
State: AZ
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 sent multiple letters describing the errors in my credit report. I have asked them to provide a written contract with my name on it and they failed to provide sufficient prove and they failed to do it. I have sent multiple letters asking them to update my credit report as well they failed to comply. I know my rights as a consumer and I feel they continue to violate my civil rights. 
This has been affecting and hindering my ability to receive funding for a home. This needs to be addressed immediately. Experian has been negligent to my requests and I feel it is discrimination against 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