BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My XXXX XXXX  XXXX XXXX : XXXX is lost/stolen, and theres {$1000.00} in fraudulent transactions on the account. The fraudulent transactions dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with The Fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681 section 602A- States I have the right to privacy 15 USC 1681 section 604A section 2 - States a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I HAVE SENT CERTIFIED MAIL 3 TIMES TO ALL 3 ( XXXX, XXXX, EXPERIAN ) NONE OF WHICH WERE RESPONDED TOO ON ANY OF THESE ACCOUNTS. ALSO ONE TIME I DID RECIEVE SOMETHING FROM XXXX SAYING THAT THE INFORMATION IS VALID. 

FIRST OF ALL THIS SHOULD OF BEEN TAKEN OFF MY CREDIT REPORT AFTER THE FIRST FAILED ATTEMPT TO RESPOND WITHIN 30 DAYS. 

SECOND I CHALLENGE THE VALIDITY ON ALL OF THESE ACCOUNTS, PROVE TO ME THE VALIDITY OR TAKE THIS OFF MY CREDIT ONCE AND FOR ALL OR I WILL BE CONTACTING A LAWYER AND TAKING ALL XXXX TO SMALL CLAIMS COURT, THIS IS INSANE AND NOT THE WAY YOU ALL CONDUCT BUSINESS. 


I DEMAND ALL OF THESE ACCOUNTS TAKEN OFF MY CREDIT, THIS IS MY LAST AND FINAL ATTEMPT BEFORE I PURSUE LEGAL ACTION!

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My name and birthdate was wrong for maybe twenty years and it affected my scores for all those years and transUnion refused To investigate it. TransUnions credit scores have always been 40 - 50 points below the other credit scoring agencies. The wrong information for all those years is one reason why. XXXX doesnt do anything to investigate and for that reason TransUnion does nothing to correct their mistakes. All the three credit scoring agencies discriminate openly because there isnt government regulation or investigation. These credit scores have held XXXX down forever and with President Biden pledging to stop this and leveling the chances for all. Credit scores are the number one reason people of XXXX are kept from getting things XXXX in the same situation have. Since the trump administration changed the culture from when Obama led the cfpb and helped cunsumers to the present when nothing is done. The Credit Agencies should be run by the federal government because of the affect it has on peoples lives. We know nothing about who are running these agencies and it is on purpose. I am sure this will not be publicized or acted on but I will send this complaint again if I dont hear any response, when the president has time to put others on this agency who will not allow any agency to discriminated

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-02-09
Company: MOHELA
State: CT
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:
Mohela, according to the Mohela customer service rep I spoke to on XX/XX/XXXX, explained that Mohela 's processing error led to a letter/notification that my employer did not complete questions 9-12 on the employer verification form that my employer submitted. She pulled up my materials and confirmed that my employer verification form was complete ( all required responses were provided along with appropriate signature ). 

The representative said that my application file ( including employer 's form and employer 's eligibility ) was complete and should cleared review. ' I was already past the 90-day period the Mohela site posted as my processing time, my application is complete ( according the representative who reviewed it with me during my call ), but the representative said that Mohela would reset my processing for another 90-day period to clear my application for approval. 

The representative did reset my application, which now shows that a new 90-day processing period has begun. Now a week later, I received a notification detailing that my payments will resume ( but I am way over the 120 payments for XXXX forgiveness ), Furthermore, the rep ( who was polite, no troubles there ) suggested that I resubmit my borrower 's page for the XXXX application, and noted that I should resign my signature on the original application page. I did as suggested ( see attached ) and now that submission is listed as resetting the 90-day processing for review. 

As the end of the federal forbearance period is coming soon, I am out of time with the uncertainty that additional Mohela reviewing errors will likely continue to reset and delay my approval. The Mohela employee reviewed all my materials while I was on the phone, and she clearly stated that all my materials were in order and that it was flagged in error and now must start the process from scratch. 

From consumer reports from CFPB, there is clearly a pattern of Mohela delays and errors that jeopardize timely and accurate review for official approval. 

If the rep I spoke with can confirm all my materials and information is in order, why am I back to square one, and why do I need to wait another 3+ months fearing that the error-prone review process will delay and disturb my official approval. 

I made more than 120 payments towards XXXX forgiveness. 
All forms ( including employer form from employer ) were submitted before the XX/XX/XXXX deadline. 
Mohela rep explained my files were complete and accurate, and that the application shouldn't have been flagged as having an error. 
Yet, I am now back to week 1 of another round of 90-days for processing, in the same exact system that erroneously flagged my application after the previous 90-day review period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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 have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the TRANSUNION. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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: Phoenix Financial Services LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid through XXXX Hospital, the entire balance was paid in XX/XX/2017, long before it showed up on my credit report. I received several calls from a collection agency after the fact, after the bill was paid off in full, stating that I owe for this bill, I explained to them that it was already paid through XXXX  hospital, I called and confirmed this with XXXX  Hospital and they show no open bills. XXXX hospital told me that they showed no balance and that they would contact collection agency and let them know, that the bill was resolved and they instructed me to disregard their calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX My husband and I drafted a letter to TranUnion outlining multiple accounts on my consumer report that are negatively affecting my credit rating. According to the Fair Credit Reporting Act, these mistake-filled accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I requested that Transunion correct my or delete personal information ( name, also known as, current and previous address, and employer ) as well as reinvestigate these accounts : XXXX XXXX XXXX : XXXX, {$210.00} XXXX XXXX : XXXX, {$300.00} XXXX  XXXX, {$1700.00} XXXX XXXX, {$410.00} XXXX XXXX, {$0.00} XXXX XXXX, {$0.00} XXXX XXXX, {$0.00} However, after receiving my letter, they stated that they dont believe that I had any part in constructing the letter that my husband and I submitted to them. This is absurd, as I am fully capable of drafting and submitting my own letter to them. My husband and I are self-taught students of our consumer rights, and we reserve the right to draft our own letters to express our rights, whether TransUnion feels we are capable of doing so or not. We drafted and submitted the letter to their agency and did not hire a third-party firm, as they have alluded to. As a result, they are refusing to investigate the accounts that I highlighted in the letter to them, which is completely ridiculous. In addition to this, each of the accounts listed in my letter meet the requirements of consumer reporting law according to the FCRA, CRSA, and Metro2 compliance standards.

According to 15 USC 1681i ( 5 ), they are supposed to delete or modify accounts that aren't reporting correctly.

15 USC 1681, Section 602 ( a ), states I have the right to privacy.

15 USC 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my express, written instructions, which I have not given.

15 USC 1681, Section 605 ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In addition to the above violations, TransUnion is not in compliance with its own Metro2 credit reporting standard and has violated my rights many times over in each account. I have attached my letter to them as proof of this.

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 2023-02-09
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 discovered some inaccurate information in my credit report after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), the XXXX credit bureausmust authenticate these items ( 1 ). ( A ). If no proof is provided within the specified time frame, it is unacceptable to classify these reporting items as unverified information. Specifically, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly look into the unverifiable items right away. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 returned to the US and learned of an a XXXX account that doesn't belong to me. I filed the necessary reports and would like the accounts removed from my personal 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2022-09-21
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-01-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported 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 2019-12-27
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage company caused me financial hardship then they block me from protecting my investment by blocking me from making payment and refusing payment while I was with in my grace. the extended lock out allowed a negative escrow to grow then they started modification process but since I had one last year they are unwilling to correct the error they caused, I pray I am not going to loose my home as a result of the mortgage companies inadequacies. I would appreciate any assistance we intend to stay in our home. but feel they should modify this error they caused so we can continue to pay the agreed amount granted to us in XX/XX/2019 after they had botch the modification we were granted last fall they had to go back in because they left out the our impounds account from that past modification in error, it took them a while to correct that they got it al corrected then this issue happened. they keep coming up with different past reasons for why they wont current they payment issue, if they would have collected the payments then it would not be a large amount owing now, since they obstructed my rights, by not taking the payments I am writing this complaint. that is predatory and an attempt to rob us of our equity in the home which is over 150K we owed XXXX before the botched modification last fall that _ where they left out the impound accounts- they corrected in the summer. we now owe XXXX but instead of paying the agreed payment XXXX XXXX XX/XX/19 they changes it to XXXX fall XXXX then supposedly after they fix they escrow issue we paid this even though it above the workout agreement. next I sign up for auto pay at my credit union and sent two payments by mistake. I called then told them to only cash one. they ran them both. then after that they refused all payments. I was not even late I was with in my 30 day cycle. it became late because they were asking for like a triple payment in a lump sum or nothing., then they refused payment- so they caused this issue by refusing the payments, then not taking ownerdhip of the error then blaming me as if I didn't have funds to cover the payment. I sent them proof I had funds, sent them proof of there error. they have so many different people calling and handling the account it is a total mess. the dedicated point of contact does not answer incoming calls. and is for all intents and purposes unreachable as far I I am concerned, please see my attached correspondence and documentation to validate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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