BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Attorney General of the State of Ohio sent expungement letters to Experian requesting they remove XXXX liens which were on my report. I sent a certified letter to Experian requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with the accounts below. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting the EXPERIAN with no successful resolution. There was definitely an error on their part. I've disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & I'd like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611,616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX 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 2015-05-14
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had paid off this account on XXXX XXXX 2015 to Green Tree Servicing in the amount of {$120000.00}, as the proceeds were wired to them by the closing attorney. I have asked them to send me the exact posting information, as how much was posted to the principal, interest, escrow and what kind of fees were charged. Instead Green tree field a Foreclosure against me in the XXXX, SC on XXXX XXXX 2015 ( which was later dismissed after i became aware of it and sent their attorney an email ) Until today, Green Tree has failed to provide me with any detailed information. The only letter I have received says that there was a check sent to me on XXXX XXXX, 2015 ( This is XXXX 2015, not XXXX 2015 ) in the amount of {$1700.00}. When I call their customer service, they give me run around and treat m every rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX AND EXPERIAN ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer XXXX . Subsequently XXXX providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at XXXX suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to XXXX up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the XXXX. All support history is attached. 
Experian is the only credit bureau who has refused correct the reporting mistakes by XXXX both XXXX and XXXX have been compliant with my request. 
Attached : XXXX XXXX Experian list XXXX as verified/updates with incorrect dataAttached : XXXX report of Experian reporting agency show the account status as deed in LieuAttached : Sherriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has reported several accounts on my report that are not mine also too many inquiries that I did n't authorize, Please help, these the names : Creditors : XXXX XXXX XXXX There 's XXXX accountsAd XXXX XXXX XXXX, XXXX XXXX, Credit Bureau XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX- XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The following information listed below is inaccurate and I am requesting all three credit reporting bureaus to Delete the inaccurate information below. 
PREVIOUS ADDRESSES : 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 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 2016-07-28
Company: CITYWIDE HOME LOANS A UTAH CORPORATION
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On a purchase contract with an offer date of XXXX/XXXX/16 when deciding between multiple offers XXXX XXXX, with Citywide Home Loans, represented to me as the listing agent that the buyer was pre-qualified and infact had been ready to close on a previous property that the seller backed out of. So he had already been all the way through underwriting, and that she would be able to close quickly. Upon that representation, her client 's offer was accepted. 

Two weeks later when the home inspection had not even been ordered I was asked for an extension on the inspections deadline and it came with finance and settlement extensions also. I was also informed by the Realtor ( XXXX XXXX from XXXX ) that the Loan Officer was handling the inspection in addition to the appraisal on the property and that she went out of town and that 's why the inspection had n't been ordered yet. 
The inspection was finally done on XXXX XXXX ( 3 weeks after going under contract ). 

Then a week later there was a request to extend the finance and appraisal deadline again, which was not accepted. 
I kept following up to request when the appraisal was complete, and was told that it had been done, that it was fine, but subject to a reinspection after the roof had been re-shingled. I let XXXX know when the roof was scheduled to be re-shingled and that she could order the " re-inspect '' after that. 

Yesterday, XXXX/XXXX/16, I called XXXX to ask if she already had the Final Closing Disclosure out to the buyer etc. and she told me that she was on her way to a funeral and would call me and give me the update afterward but YES, the re-inspect had already been ordered. She never did call me back yesterday. However, I did get a phone call several hours later from an appraiser who was NOT doing a re-inspect but infact setting up an appointment to do the actual appraisal for the first time. 6 weeks after going under contract. 

Today, after the agent reaching out to suggest we needed an extension, I let her know we would do an extension for a different loan officer, but not for the current loan officer who had lied about the loan process and status for 6 weeks. Not too long after I received a call from XXXX to inform me that there were some issues with the borrowers Chapter XXXX that would not be able to be overcome. 

It is my contention that XXXX XXXX : 1. Intentionally issued a false pre-approval. 
2. lied about the qualified nature of the buyer on the phone prior to going under contract. 
3. Failed to respect contract deadlines to protect the buyer 's earnest money. 
4. Falsely stated that the appraisal had already been done on multiple occasions. 
5. Incurred expenses to the buyer for inspections, lost earnest money, and potentially the cost of an appraisal for a house he was never qualified for.

Company response to consumer: Closed
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY 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

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 2022-02-23
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XXXX XXXX I received notification that XXXX XXXX XXXX XXXX  XXXX  XXXX placed a debt on my credit account for the amount of {$530.00}. I reached out to both my insurance provider and the credit reporting agencys to notify them that this was invalid because my insurance was active at the time. They said they would confirm with the XXXX, the Insurance company reached out and said they sent over documentation that this was false information. It has now been well over 3 months and this is still placed on my credit. 

I never authorized for this to be placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XX/XX/XXXX I tried to retrieve my free credit report, but could not get it because the preselected security questions did not match any of my personal information tied to my name, date of birth, and social security number. In XX/XX/XXXX my mailbox was broken into and my my mail stolen, but the local police caught the suspect and I began the task of filing a report to pursue criminal charges for identity theft. That same year my family 's apartment I was watching was burglarized and my briefcase was stolen containing pertinent vital information on myself and my child. I have a Offense Report, but have never heard back fro the United States Postal Service or the local investigator handling my case. I was shocked to learn that my data is now linked to credit cards, home loans, car loans, and bank accounts through the questions asking specific details showing my personal data linked to these charges. When I was unable to make a correct match I could not receive my report from Experian or XXXX because the automated questions think I am the thief and I must now prove who I say I am to both these agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: IL
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:
I have noticed my name on my report not recognized, inaccurate & incorrectly spelled this is how my name should be on my report that I only go by - XXXX XXXX XXXX any other names I have never been associated with I also have noticed addresses that are not recognized, never lived at, or associated with me XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2016-01-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I contacted Experian on line re : a turn down on a small loan thru my credit union. I was asked to pay {$1.00} for my report on line. 
I then received an XXXX withdrawal from my bank account for {$21.00} for their credit monitoring service that I never requested. I called the XXXX # on my bank statement and she kept referring to my membership of credit monitoring. WHAT? I told her to undue the unauthorized withdrawal. 
She said she would and the withdrawal processed any way. 
Experian has created a mousetrap with their ambiguous site. 
Please investigate these unscrupulous deceitful practices. 
Thank you for your help. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had lost my job and was late paying one day for this company and tried calling them to tel l them of my demise. Only to be told that they could not do anything for me. I was attempting to pay the debt but with late penalties and other, I could not do so as i continued to have money problems. i called to ask them if they could work with me and they said no. i was paying when i received a bill from them but they stopped sending bills after the credit company took over. i did try to locate old bills and pay them monthly. 

they served me with a summons after the date that they said i had to respond. i had tried calling a month prior when i received their first threatening letter but no one answered so i just sent a money order. i was not sure who the debtor was. the complaint stated i did not attempt to pay the debit which is a lie. also it was forcing me to sign the complaint and said i had no objection. when talking with the person on the phone, i did state that i was not even sure who the creditor was and they finally told me after a few minutes. i made payment arrangements and they sent a further stipulation agreement to which i felt compelled to sign but under duress. point though is if this company had worked with me in the first place, this all would not have happened. and on my credit report, they say i am like three years behind in payment ... another lie. i have been sending money orders all along. i am not even sure if this is the right balance. sorry for not capitalizing my letters, my computer messes up when i do. thank you for your time and consideration.

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 2022-02-23
Company: U.S. BANCORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US Bank as of XX/XX/2021 via their own document has NOT correctly accounted Principal Only payments to my loan. In addition when I was attempting to Retitle and Register the vehicle in the State of Florida they refused until at their direction redact my correct address for a Florida address. 
The staff at CFPB did not read my original complaint and the reply from US Bank because the reply was about something totally different and did NOT address my complaint

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 2016-07-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have requested several times to have equifax to properly note the XXXX account. I AM NOT REQUESTING the account to be verified. ( That has already been done ) I AM NOT REQUESTING to have the account to be noted as charges off or sold to an outside collection agency and have the account balance made zero. ( That has already been done with several written request by me ) WHAT I AM REQUESTING is that EQUIFAX reports WHO IS CURRENTLY THE OWNER of THIS DEBT ( WHICH IS XXXX XXXX XXXX LOCATED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THE PHONE NUMBER IS XXXX XXXX XXXX XXXX extention XXXX. THIS IS the owner of the debt and the report should be listed as such. ( SO I CAN DEAL WITH XXXX WITH THIS MATTER ) t IT IS ILLEGAL TO REPORT misleading AND INCOMPLETE INFORMATION or PARTIAL information. XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX YEARS AGO. XXXX XXXX XXXX owns this account SO EQUIFAX SHOULD NOT HAVE XXXX LISTED ON MY CREDIT REPORT. THIS IS ILLEGAL. IF EQUIFAX DOES NOT WANT TO VERIFY THAT THE ACCOUNT HAS BEEN SOLD FROM XXXX YEARS AGO & gt ; PLEASE IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. I have already secured legal counsel as I promised that I would do in my previous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello Cfpb, I 'm yet complaining again simply b/c I feel like the process is being dragged out and that experian is not taking my file serious enough. I 've sent XXXX separate letters certified to them stating my claim and showing the ID crime report, providing drivers license, etc and I still have XXXX, still have credit acceptance, still have some large XXXX apartment complex, and some child suppport thing out of michigan?!? .. I would laugh because of the last XXXX ... My name is XXXX XXXX and what the police thought is that someone with a similair name is getting tagged to me.. not sure how the system works entirely but I need to get this handled asap. 2017 I do n't want to be messing with this ... I will if i have to but I 'd rather not. I did see a XXXX light bill show up as well which to Experians defense they have not had it brought to their attention. When I contact these places they simply instruct me to pay settlement and I refuse I 've compiled dates and responses that I can upload if needed if it will show my initiative. thank you, 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 non-monetary relief
Consumer complaint received 2015-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief