BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In accordance with The Fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, States I have the right to privacy. 15 USC section 604a section 2 it also States that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-09-26
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Outside of other issues with company lying called XXXX of XXXX told 10 day payoff was XXXX sent cashiers check XXXX XXXX for amount check had tracking arrived on the XXXX sat XXXX being told i am being charged interest. Extra amount XXXX and they did not bother cashing it. Was sent with 10 day limit was told loans dont accrue interest with forebearance as well by finaid rep. It is not my problem that you didnt cash my check. I am not paying interest on your negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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 do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documentation.

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 2023-09-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit report and score have derogatory negative information that has to be removed before I can apply for a job, car loan, home loan, apartment or credit card. 
This negative information and accounts need to be removed from all credit bureaus, XXXX, Equifax and XXXX. Remove following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only have the last for numbers of each credit card number, if needed will be furnished upon request. The cards were destroyed after paying off balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Affirm Holdings, Inc
State: OR
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have been trying to resolve this for months they kept sending a affidavit to the fraudulent email account so I never received it I kept getting phone calls I gave them my correct email and they still never sent it then one day the person on the phone said they could only send it to the email on the account and I explained I dont know what email that is I gave them XXXX of my current emails and still nothing then I filed a complaint with the XXXX and they finally got me a affidavit to fill out, I had tried to file a police report but I live in a small area where they police were very understaffed and when I called they told me to file with the federal trade commission a ID theft case so I did and then I was told they were holding me responsible for this account. Then I finally went down to the police department and explained I needed someone to fill out a report the police officer took down the information and gave me a case number yet still told me it was not a full report they did not have time for this and that I have reported the ID theft and it was enough he wrote all the information and it is at the XXXX XXXX XXXX department. Case # XXXX XXXX XXXX he said anyone can call him at XXXX he said that the company has to take this off my name cause it is fraud I have done everything I was told to do yet I am still spending hours trying to fix this and this is not right, I had my daughters so called friend in my house going through my office when I was out of town and they both were using drug I had no idea that they were using any of my information yet I had several accounts opened they stole my mail key stole mail and then when I got home they came in and used my phone my ss # and other things to get and ope accounts my daughter stated to me that she had her call right away and cancel the account an I had no idea any of this happened until months later I started getting phone calls saying I owe money I thought it was fraud trying to get me to give my account numbers up to pay something that was not mine. I really need someone to help me fix this I did not do this I would have paid my bill I pay my bills on time I have only one late payment in my life Im XXXX years and this has been very stressful and taking up needless hours of my time to try and fix it XXXX XXXX XXXX XXXX XXXX are both in prison for the next 5 years over all the fraud and mail theft they did but I did not do this You can look them both up at XXXX XXXX XXXX  in XXXX Or they were charged with over XXXX counts of mail theft and fraud and plead gulity to XXXX counts this is not mine they had been using my information for awhile I one account back from XXXX  that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is damaging my credit report over a debt that is not my obligation

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 2023-07-24
Company: Experian Information Solutions Inc.
State: SC
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

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 2017-06-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Case number XXXX, my home was modified inXX/XX/XXXX through XXXX XXXX XXXX after five years of trying to get a modification. With the help of the attorney general for the state of California, consumer financial protection bureau and veteran affairs, I finally received my modification. When I signed the original paperwork for the modification, I read that my house payment would be {$2800.00} that included taxes and fire insurance through an impound account at 2 % for the life of the loan. Currently my house payment is {$3400.00}. Which is a difference of {$540.00} a month or {$6500.00} a year. I 'm making the same money that I was making in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XXXX. I make roughly {$110000.00} a year. I 'm having trouble making ends meet. <P/>After five years of trying to get my home modified because of the lies that countrywide mortgage told me and then XXXX XXXX XXXX ; trust me, I experience XXXX even while writing this letter asking for help. <P/>My loan was sold to Nationstar mortgage a few months after the modification took place. I contacted nationstar to ask for help and they said they could not do anything for me. The problem is, is that when XXXX XXXX XXXX modified the loan, the state of California demanded that they forgive the second loan on my house because of the fraud. I have since taken out a second to repair the rest of the house and get all the repairs done that needed to be done in XXXX when I bought the house. So now I 'm paying for the second as well. If I were to sell the house now I would lose all the money I put into this house. For example, I paid {$680000.00} for the house. I started the remodel as this was a house that I thought I could afford according to XXXX and XXXX XXXX XXXX. The house had no floors, a working kitchen and only one bathroom that worked. I took out a {$170000.00} to get these issues and the swimming pool fixed as it was leaking a lot of water. All of these issues were documented in my first complaint in XXXX. The houses in this market as of this date XX/XX/XXXX is $ {$860000.00}. As you can see, XXXX plus {$170000.00} equals {$850000.00}. I 'm coming out with {$11000.00}. However I have not included realtors fees or closing cost. I 'm actually losing in excess of {$52000.00} in a house that I have paid for, for 13 years. <P/>Please help me get this house modified as this is the house I would like to stay in for the rest of my life. <P/>Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report such as my name and address. I want fixed 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 2023-12-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive previously disputed items on my credit report and a Proper investigation/method of verification was not produced from the 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX Inaccurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NC
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:
In XXXX of XXXX I was alerted by XXXX XXXX XXXX XXXX XXXXXXXX XXXX  that a mortgage in forbearance was on my credit report that was pulled in our home refinance process for a home I shared with my new spouse in XXXX, XXXX. I was asked by a home preservation specialist there to agree to sign for a special loan made to cover payments not made by the property owner. I refused to commit to a new loan and showed them the quit claim deed dated XX/XX/XXXX, and the separation agreement signed by XXXX XXXX and myself on XX/XX/XXXX, that is of record in XXXX XXXX XXXX  where my former spouse agreed to take on the house mortgage since he wanted to keep the home and I was moving to XXXX. When I later moved back to XXXX  with my new spouse and purchased a different home, the loan did show as still on my credit report, but once I showed them that same paperwork, they determined to disregard it. I did not hear from XXXX XXXX again on the issue until this XXXX of this year ( XXXX ) when I received notices from the bank 's law firm that the house had gone into foreclosure. The owner ( XXXX XXXX ) had been taken into and currently remains in police custody on an unrelated matter as of XX/XX/XXXX as well. I presented this paperwork to contest the XXXX XXXX XXXX appearing on my credit report to XXXX and Equifax and I received a notice from Equifax dated XX/XX/XXXX stating : " We have researched the credit account. Account # - XXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX. '' Then I received an electronic statement today ( XX/XX/XXXX ) that states the information has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The following companies are NOT licensed in the state of Tennessee to collect debts of any kind nor report them on credit reports. I have proof listed below to confirm this information. Per the XXXXXXXX XXXX XXXX  website these companies DO NOT hold a valid license in the State of TENNESSEE. 
They are violating my rights as a consumer by reporting inaccurate information on my credit report. I did not furnish written consent of any kind to these agencies to report any debts. I have no knowledge of these accounts, any of the debt. 

The accounts and their account numbers are listed as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX ) Acct XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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