BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Green Tree servicing, now known as ditech. Fail to honor agreement with XXXX XXXX XXXX for loan modification. 
After many months of faild communication with this loan servicer I 'm facing imminent foreclosure. To This Day DITECH refuses lto provide any assistance. The documents sent for loan modification always disappear and they request to start the process over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following items completely from my Credit Reports : XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-10-08
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: Personal information incorrect

Complaint:
Home address are different from different bureau

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 2016-03-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have tried contacting Experian about inaccurate information on my credit report. I can not get through or get a response when I have already submitted all the requested information for proof of identity. 
My issues : 1. ) The balances in my accounts are inaccurate, this needs to be corrected. XXXX Credit Card has a balance of XXXX that is incorrect. I have called XXXX and they make monthly reports to Experian. XXXX last reported it back in XXXX/XXXX/XXXX. My current balance should be XXXX I believe. 
2. ) XXXX XXXX XXXX Account : That account is paid but the account is still open it should show as closed and paid. Balance should be XXXX. 
3. ) My report says that I have too many delinquencies when in doubt the only delinquencies I have are back in XXXX, XXXX. Being back in boot camp I had my identity stolen. Then in XXXX or XXXX XXXX, I was in training in XXXX. My XXXX XXXX Credit Card went past due 30 days back then and it was because there 's no communication between XXXX and the United States, so I could not make a payment when I was overseas. Those are the only delinquencies I have on my credit report. 
4. ) The inquiries on my credit have been for a purchase of a vehicle. I inquired for a vehicle loan within a month and this should not affect my credit report, please correct 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 2016-03-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is attempting to recover an already paid for account that I originated with 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following items completely from my Credit Reports : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After carefully reviewing my Experian Credit Report, I noticed a couple of creditors incorrectly reporting to my credit report. 
Below is a small list of the creditors that I would like to have permanently removed from my Experian Credit Report immediately, please:1. XXXX XXXX COUNTY RECORDER - Identification numberXXXX. This public record 's creditor is reporting to my Experian Credit Report by mistake. I 've reached out to the county recorders office regarding this Public Records item and they 've confirmed with me this it is reporting to my credit report incorrectly. It is basically reporting to the wrong XXXX XXXX XXXX, XXXX As a matter of fact, to ad insult, based on their records, XXXX is not even included in the name that its supposed to be reporting to nor is the address mine as well, based on what they have in their records. 
2. XXXX - Account numberXXXX .... I 've never had any XXXX XXXX XXXX credit card and nor do I know of anyone who has added me to their XXXX Card as an Authorized User as it states on my credit report. I would like to have this credit card permanently removed from my credit report, please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Received a claim on XX/XX/2022 as part of a response to a complaint regarding a request for debt substantiation and their failure to provide substantiation on debt serviced by the same company, Firstmark Services, that separate debt also serviced by them that is paid up and current until XX/XX/2022 is listed as past due. This is despite the account having received a payment on XX/XX/2022 that was to bring the account current and another payment being rendered on XX/XX/2022 that paid the balance owed currently and future balances owed until XX/XX/2022. They claim, " we [ Firstmark Services ] must furnish your account data to the consumer reporting agencies. Under the Fair Credit Reporting Act, we [ Firstmark Services ] have an obligation to ensure data we furnish is accurate, '' while simultaneously and clearly providing evidence that they are currently misrepresenting account status in their notices and reporting system and due to this likely furnishing inaccurate information to those aforementioned consumer reporting agencies about other loans they are servicing at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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 XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights and needs to be deleted from credit report these inaccurate addresses are not mine and needs to be deleted from my credit report 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 this name is not mine and violates my rights XXXX XXXX XXXX XXXX to be deleted from credit reports These telephone numbers are not mine and need to be deleted from credit report XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written consent

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 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX, 2016 I reached out to Transunion because my local credit union ( XXXX ) had informed me that there was a statement on my credit report that says, " INPUT SSN REPORTED AS SUSPICIOUS OR MINOR SSN '' ( on page XXXX of XXXX ). I was told by Transition that I need to send in my birth certificate, a copy of my ss card, and an explanation of my issue. I do so and I followed up as instructed, 3-5 business days so on XXXX, XXXX, XXXX ( 3 phone calls that day ), XXXX, and XXXX. As of today I am still getting the run around that my file or case is being handled by a dept or someone beyond their ( the rep that I am conversation with ) control. I have been told that my file had to be sent over to a manager/supervisor for resolution. Today I fear that my mortgage loan is in jeopardy because of the nonchalant attitude towards my situation. Each time that I contact Transunion, I explained to them the urgency of my situation. As of today, the hawk alert is still sitting on my credit report and NO ONE has reached out to me nor have I received any mailings to reflect a resolution.

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 2022-04-21
Company: EQUIFAX, 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I am requesting that the following account be removed immediately from my credit report. I have tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendants. 
Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as PACER, e-Oscar or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted this company requesting them to validate their claim. They have not responded or provided any validation and they have reported to all XXXX credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$680.00}

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 2022-04-21
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible :

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 2015-06-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of Identity theft and have been attempting to reason with Experian for years for XXXX accounts in particular. They simply refuse to even re-review them and its ruining my otherwise perfect credit. I 've requested on XXXX occasions in the last year for a review, they just refuse and say they have already looked into it. XXXX account is a public records account that was paid in full before it should have ever been reported, they still wont remove it. It wasnt even mine and i paid almost {$7000.00} because it was the least worst option at the time. The second XXXX is for a utility company claiming i had services, i wasnt even living in this state when they claim i had services. The folks that stole my identity opened credit cards, bought a car, rented an apartment, and i would imagine utilities too. They simply wont remove itI do n't know what to do and they refuse to help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Product Credit reporting Issue Credit reporting company 's investigation : No notice of investigation status/result Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
[ [ [ what does no notice of investagation mean you contacted them about XXXX i want fico score back to level it was ] ] ]???!!!! 
still waiting for experian to fix credit report and also put my fico score back over XXXX where it was before case # XXXX was started Consent to publish the description of what happened? Consent provided Product information

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 2016-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have multiple duplicate inquiries on my credit file. I received an notification a while back on XXXX they were removed and they have reappeared. I have alot of duplicates from the same day and that is incorrect.

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