BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2017-10-17
Company: EQUIFAX, 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:
I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXXXXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXXXXXX XXXX XXXXXXXX and the trucking company they guided me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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:
Equifax gave up my personal information to hackers. I am completely compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and XX/XX/XXXX and are proceeding to sale set forXX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. This file was service transferred to Fay Servicing onXX/XX/XXXX which we were not made aware of untilXX/XX/XXXX - Fay Servicing has not responded to any requests for information pertaining to this file. To date Fay is stating noting has been received fro authorization to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: NY
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 convergent account XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX # XXXX ACCOUNT XXXX  XXXX # XXXX Account XXXX XXXXXXXX # Account XXXX has violated my rights. 

U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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 2018-11-15
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
2004 I been scammed into having multiple loans under one cant get payments down currently at {$16000.00}. XXXX XXXX has loans from Sallie Mae which I believe are not safe to deal with because there a rip off. I want to get this off my report. I keep getting the deferment that doesnt work for me because its still messing with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX accounts has violated my rights 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 15 U.S.C 1681 section 602 A. States i have ghe 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 non-monetary relief
Consumer complaint received 2019-07-28
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:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX   XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello my name is XXXX XXXX XXXX XXXX and my complaint is about Us Bank XXXX XXXX. I have been sending them my info for account card id XXXX. I sent them my Id, Ssc, Signed statement and a W2 and its been over 5 weeks and my account is still locked with my unemployment within in it .I am going through enough hard times as it is for this to be happening .I called several times and faxed and I do not get any clear answers at all from them on why my account is locked and why I can't have my funds that were deposited at all. Is there anything you can do to resolve this issue. my number is XXXX my email is 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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2021-09-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called fifth third bank for mortgage forbearance around XXXX of 2020. The forbearance plan was initiated but was cancelled shortly after before my mortgage for the month of XXXX was due. Fifth third bank officially cancelled it after I called in. 

Afterwards I paid my mortgage on time for the next six months until XX/XX/2020. Thats when I called in to initiate covid mortgage forebrance again according to the CARES Act. This time I officially utilized it for 12 months. Fast forward to now its been a year and I have 6 month left on my extension for foreberance since CAREs act stated 18 month total for my situation, and the mortgage servicer confirmed I do qualify for 18 months. 

While on the phone with their customer service representative they stated I can not have my full 18 months because XX/XX/2020 I called in to start foreberance. They are counting the 6 months gap between XX/XX/2020 to XX/XX/2020 as foreberance taken, even though I wasnt on the the plan becuase it was cancelled and I made all Mortgage payment due on time during that 6 months gap. 

The customer service also lied on the phone stating they are doing this because its their investors policy. And the investor happens fo be XXXX  XXXX  which the representative gave me their customer service number. I called XXXX XXXX  they have stated they never issued any policies regarding this and they abide by the CARES Act of granting 18 months of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please, I need assistance from this company. I am still being wrongly labeled as 30 days late by Macys and this information is being reported so inaccurately and so viciously against me. They are being very unfair to me and are refusing to rmeove the wrong reports claiming I was late. all of the credit reports have different and inaccurate infkrmtiuon being displayed and I am terribly sad and confused by what they are doing to my finial life. <P/>I was never late to make a payment! It is not my fault that my statements went missing and I called to speak to representatives who had helped me and promised me that the returned statements would not impact my credit score. I am a good person and I do not deserve this false and abusive treatment from Macy 's. They claim to have verified and updated everything with the bureaus but every bureau is showing different false information. One company is saying I have two 30 days late the other says I have one in XX/XX/XXXXand then XXXX says I was late in XX/XX/XXXX! <P/>I am so XXXX and upset and feeling absolutely neglected and lied to. How can Macy 's do this to me? I was never intentionally late and statements were missing and never seen or paid, UI called and complained and wanted all the fees reversed and I was assured this would not impact my credit report. So why has it? Why are they doing this to me? Why does every credit bureaus say something else and yet the accounts read FCRA verified? What was verified? How? Who verified this to whom? Why do costumers get tossed around like we do not matter!?

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 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap 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 2019-07-28
Company: Experian Information Solutions 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 issue is an existing problem which Experian wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 2021-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank hates me each time I apply fir a credit card with them they decline me for stupid reasons which dont make sense recently I applied and was not instantly approved why did they do this to me when my credit has improved my debt to income ratio has gone down why cant they see that I wish XXXX he contacted by them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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: Account status incorrect

Complaint:
XXXX XXXX  reported my account as delinquent when it is not delinquent. The Transunion reporting is showing that this mortgage account is delinquent. 

The account was paid on XX/XX/2022 and XXXX has reported this account as delinquent on XX/XX/2022 2022

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 2019-11-22
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: Their investigation did not fix an error on your report

Complaint:
Experian investigation did not fix 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 non-monetary relief
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: MI
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:
Lenders by the name of XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights and caused much damage. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. These two companies did not receive written consent in order to place these accounts on my consumers report. This is in total violation of my rights. I have called and sent multiple letters concerning this matter. I need your assistance with these two accounts please.

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 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Cfpb, I noticed inquiries on my credit report that I am not familiar with. I was a victim of the TransUnion inquiry issue. I spoke with TransUnion and they are not helping at all. I know for a fact that no one has my SSN or personal information. I had over an XXXX XXXX XXXX all my life and would like these inquiries removed since I do n't recognize them. 

Best Regards, 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 explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/XXXX at around XXXX XXXX I received an alert that my credit had been pulled by XXXX XXXX XXXX. I promptly called TransUnion and after not being able to get help the first time, I called a second time. During the second call, I placed a fraud alert on my profile and asked that the inquriy be removed as it was not authorized by me. The representative gave me the phone number XXXX to call XXXX XXXX. When calling this number it goes to XXXX. The rep for XXXX XXXX l gave me the number to XXXX XXXX XXXX, but when calling this number, they were already closed for the day. When I called XXXX XXXX XXXX back and tried to ask questions, the representative was acting as if I was XXXX in trying to find out what/who XXXX XXXX XXXX is. She just kept saying over and over that " They are a separate company, you will have to contact them. '' It is ridiculous how much of a run around I received due to an unauthorized hard inquiry being placed on my credit by XXXXXXXX XXXX XXXXl at XXXX XXXX XXXX, XXXX TX. I did NOT authorize this company to run my credit report for any reason and I would like this inquiry to be removed from my report by XXXX XXXX XXXX and or TransUnion.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  accounts has violated my rights XXXX XXXXXXXX rec # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States i have ghe 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 non-monetary relief
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, Transunion decreased my XXXX credit score by XXXX points although there are no collections or delinquency on my credit report and my current debt decreased. I had several issues and talked to Transunion about this matter several times and the problem still exist.

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 2022-06-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  accounts has violated my rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have ghe 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP..Please change this, fix the account please 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