BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm making this complaint to SAGESTREAM. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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'm not a third party In accordance with The Fair Credit Reporting Act the list of accounts Below have violated my Federal Protection consumer right, and are not completely accurate as the law requires. 

15 US.C 1681 Section 602 ( a ) ( 4 ) states that we have right privacy.

15 USC 168 ( a ) section ( 2 ) States Consumer can not furnish my account with out written instructions.

Also according to U.S.C 1681n ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure of no less then {$100.00} and not exceed {$100.00}. 



XXXX XXXX Account # XXXX XXXX verified or different with the three credit bureaus, also the date of last activity. 2 violations. 

XXXX  accounts # XXXX Last date of activity difference on the three credit bureaus also the date of opening is different. 2 volations XXXX XXXX account # XXXX Last verify doesn't match the 3 Bureau also the date of last active and the date of opening. 3volations. 

XXXX # XXXX XXXX verify, date of activity date of open date of closed, does not match the XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX, XXXX Date of last activity, and date of open. XXXX XXXX  account # XXXX Last verified and date of last activity and date of open. 3 volations Total volations 16

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 2023-09-06
Company: Experian Information Solutions Inc.
State: SC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX 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 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 2023-05-26
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I have been dealing with this nightmare for 7 years now. Macys and it's credit lenders are corporate bullies who pray on individuals. My Macys Credit Account was closed in XX/XX/XXXX. I was harassed and consistently bombarded by both Macys and a collection agency. I continued making payments on a closed account in good faith and I slowly noticed that Macys changed the information displayed on my credit report. In XX/XX/XXXX I realized they reported that my account was opened again even though it was indeed closed and I was not able to use my card again. It was clearly a relation move given the fact that I have made prior complaints to the CFPB and consumer agencies. At the end of XXXX, I called one of the many financials offices of Macys credit cards and offered to pay the {$500.00} in late fees that were accessed throughout time even thought I had already paid off my original balance. The associate on the phone said not to pay it because my balance is scheduled to drop off my credit report in XXXX. However today, XX/XX/XXXX, after calling 5 different departments, I learned that the company indeed reported that my account became delinquent in XX/XX/XXXX ( and not closed in XXXX ) and that it won't drop off of my report until XXXX!! When I asked what happened to my prior closure from XXXX, THEY SAID THAT THEIR SYSTEMS CAN NOT ACCESS DATA FROM XXXX! This is fraud and fraudulent activity in addition to targeted bullying. **Backstory on delinquency.. I changed jobs in XXXX and delayed on 2 months of pay on my Macys Card and they had no REMORSE. They immediately closed my account. I have an 100 % payment record on my credit report and prior to XXXX I ALWAYS paid my Macys account on-time. They are corporate bullies.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: AR
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 writing to file a formal complaint against Experian And XXXX Credit Bureaus, a credit reporting agency that has provided inaccurate personal information on my credit report. Clearly I found the inaccurate information that appears on my credit report and it seems possible not belongs to me. I have previously disputed these inaccuracies with the Experian and XXXX credit reporting agencies. I am requesting to you that the credit reporting agency will promptly removed the inaccurate personal information on my credit report and provide me with an updated, accurate credit report without those inaccurate information that doesnt belongs to me. I believe that the inaccuracies on my credit report are affecting my financial well-being and creditworthiness, and I kindly request that the CFPB investigate this matter and take the necessary steps to ensure the accuracy of my credit report. The personal details and the inaccuracies on my credit report are as follows : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR 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 2022-11-29
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: Account status incorrect

Complaint:
After receiving a copy of my credit report and realized an account that is reporting incorrectly. This account was paid in full and on time in XXXX XXXXHere 's a copy of my bank statement where the account was paid in full and should be IMMEDIATLY removed from my report. 

XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX  THIS ACCOUNT IS PAID IN FULL AND ON TIME.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-07-25
Company: BCA Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I want to make sure this company charged my insurance for the claim pending. Please have customer support help me address the collections on my account. While I was sick  I had to go to hospital and have XXXX in which the collections are coming and I have medical insurance to cover my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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 charge-off account being reported by XXXX XXXX, account number : XXXX was opened in my name in XX/XX/2005 without my permission. I believe my identity was stolen to open this account. This credit card was never opened by me nor I gave anyone my permission to open it. I wrote several letters to Experian asking them to remove this fraudulent account from my credit file, they failed to comply. I filed a police report along with an identity theft report and sent them to Experian. 30 days later I received a letter from Experian stating that this fraudulent account was verified as accurate. This fraudulent account, which is now charged-off has caused me serious financial stress and my credit score has been severely impacted. Im asking that Experian remove this account from my credit file immediately.

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 2023-10-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I received the same information frmo Wells Fargo Auto Finance, they are still trying to use the False 'Loan Application ', which is not my signature on this. I don`t have a copy of it either. It took XXXX XXXX XXXX a full month to get the sales paperwork to me. 

Once I looked at it, I filed a lawsuit against them. That didn`t work out as planned, but at this point, with Wells Fargo Auto Finance sending me the same false information over and over, I now have to seek an attorney. I can get one for free as I`m XXXX. Wells Fago Auto Finance has called me numerous times, I refuse to speak to them as they attempt to initiate an argument with me each time I`ve tried to speak to them. 

Wels Fargo Auto Finance needs to call XXXX XXXX XXXX to get the proper information. The Loan Application I saw at the sale had false income information on it, so I refused to sign it. Wells Fargo Auto Finance keeps sending me this ridiculous Loan Application page with a signature that is not mine. 

At this point, I will have to seek an attorney to help remedy this fraudulent loan. Also 3 to 6 months of past bank statement are required in order to issue out a loan of this magnitude. I will be calling attorneys at this point as I`m getting nowhere with Wells Fargo Auto Finance .

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 2023-10-31
Company: Freedom Mortgage Company
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX towards the end of my XXXX forbearance period and was told theyd contact me when it was time to pay. I ended up needing to pay a lump sum because they never got me my paperwork and erroneously put my mortgage in default. My credit report shows as 180 days late for XX/XX/2023 but on time for every other month. They also tried to increase my payment by XXXX dollars a month by claiming my annual water bill was monthly and I needed to clear that up. I made the payments on time and rectified the issue but am still being reported inaccurately by a company that has a history of inaccurate reporting and has been penalized for kickbacks.

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 2023-07-25
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Over the past 3 years, I have been trying to refinance my current home loan with Mr. Cooper ( NationStar ) to pay off some bad debt. Each time I apply, I am given some discriminatory reason as to why I am not eligible for a refinance even when I have the credit rating, the income and meet all the necessary criteria. However, all NationStar Loan Specialist - look high and low for reasons not to offer me a refinance based on race- even when there's ample money after the loan amount exceeds the 80 % rule and the property and comps in the area are more than XXXX XXXXXXXX higher the amount owed. I have been told I didnt meet the criteria because I owed money from a home loan modification that is not shown on my monthly mortgage statement - hidden debt. the home loan modification was placed at the back of the loan as an addition. I have been told my actually mortgage owed is XXXX XXXXXXXX plus XXXX XXXXXXXX from the modification. This is illegal and unlawful monies being added to a mortgage loan that was initially XXXX  XXXX. The math is not adding up based on my documents. I tried to obtain a refi in XX/XX/XXXX and was given another excuse and then again today, XX/XX/XXXX. I was told my HOA does not accept FHA Refi loans ; how can my HOA dictate whether or not I am able to refinance and under what programs, i.e., FHA, XXXX, XXXX. I was also told I owed XXXX and XXXX XXXX neither of which are on my credit report. When I go into my mortgage account - nothing shows a refinance was even processed. After I am told verbially I can't refinance, I never receive supporting documents to conclude their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following inquiries are not authorize and I habe no knowlege of them. I include the FTC report also. Please remove from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXS XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-26
Company: Experian Information Solutions Inc.
State: MD
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:
I am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Experian, XXXX, and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft : EXPERIAN : 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. Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. Thank you.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XX/XX/2023 I submitted a dispute with credit reporting agencies to resolve issues of inaccurate information on my report that I asked to be removed. in recent days following that i started to study Section 604 15 U.S. CODE 1681 B, as well as Section 605 A,15 U.S. CODE 1681 C-1 and Section 605 B 15 U.S. CODE 1681 C-2, which to my best understanding explains consumer rights being violated by the reporting companies. because these companies use automated systems which utilizes automated responses there is no human communication. therefore the exchange needed for the purpose of consent and authentication is nonexistent. there is supportive case law in each of the formentioned U.S. laws. I certainly didn't have communications with neither parties prior to this information being reported. therefore i believe my rights as a consumer has been violated.

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My credit report is showing inaccuracies and inquiries i never authorized..

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 Unauthorized Inaccurate inquiries being reported listed below remove all inquiries immediately : 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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Due to my TransUnion credit report true identity account my personal information is incorrect everything on there not valid cause my personal information to be incorrect I requested everything should be removed off my credit report an middle name need to be removed as it provides on state issue identity card provide by government law everything must match I requested everything should be removed off my credit report my address is XXXX XXXX XXXX XXXX XXXX XXXX that incorrect information on this report this should be my credit score due incorrect information was provided I never use any credit

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