BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reported to all three credit bureaus, XXXX XXXX, XXXX, and Experian that this account is over seven years old. This account should have been deleted as of XX/XX/1923 ones. Ive contacted all of the credit bureaus inquiring on the deletion of this account at that point target made the account a collection.

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I XXXX XXXX, filed an dispute a month ago on the Inquiries : Item # XXXX XXXX XXXXXXXX XXXX Item # XXXX XXXX XXXX XXXXXXXX XXXX there has been no changes made and by law after 30 days, the reason for deletions must be made, and according to my repairs my credit has inaccurate information on my credit report these inquiries has to go as I have FCRA right to dispute.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A few years ago, I downloaded my full credit report with my social security number and noticed that there were a number of accounts that were not mine, including an auto loan and two store credit cards. Additionally, another name was also on my report ( in addition to my own name ), as well as various identifying information ( addresses, work address, etc. ) I do not know if this was a mistake or if someone deliberately used my social security number for getting a loan, but the fact that there were multiple instances leads me to believe that it was intentional. 

At the time, I tried getting the individual lenders to remove the accounts from my report, but it didn't work. Since then, the auto loan has been paid off successfully, and no longer appears in my active report. However, all of the personal information for this or these other person/people is still appearing and is updating in my personal credit record, some of which is available online at numerous access points. 

This causes a number of issues, the first one involving proving my identity to anyone who is trying to use my report to confirm who I am, financial institutions or otherwise. Since there is a significant amount of data that is NOT mine, it is impossible to pass any such verification procedure. 

I would like to be able to contact the credit reporting companies or other data collection center directly in order to have this issue solved and have my record corrected.

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 2023-03-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX-Equalfax : I have two creditors on my credit report that are charged off accounts. XXXX XXXX  and XXXX XXXX. They both are over five years old. XXXX sent me a letter stating that they do not need to collect any money from me and will send a 1099 to my home. Which never happened. I sent the letter and filed a disbute complaint with the three bureaus and they wont remove or update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX. A couple months after moving in, the mortgage lender, XXXX XXXX started sending me offers to refinance my loan ; however, I ignored all refinancing offers since I had a pretty good XXXX. About a year later in XX/XX/XXXX, I requested to have my property insurance removed from my mortgage payment. The request was denied by the lender with the reason stated that your principal balance for the mortgage loan must be less than or equal to 80 % of the original appraisal value. Ironically, one of the other reasons that my request could have been denied was you must not have completed a prior mortgage loan modification. Furthermore, an escrow analysis that was done in XX/XX/XXXX showed that I had a surplus of {$1100.00}, which was subsequently refunded to me. My mortgage was then transferred to Freedom Mortgage in XX/XX/XXXX, and my mortgage amount was increased by this lender supposedly due to an escrow shortage. When I inquired why my mortgage amount was greater when my home insurance actually decreased, the response was that the lender would not adjust payment if the difference is less than {$500.00}. Nevertheless, Freedom Mortgage made it a point to inform me on an ongoing basis that I could take tens of thousands of dollars out due to the equity in my home, thereby resuming attempts to get me to refinance or modify my original loan. These two companies do not seem to have learned anything after being reprimanded for prior misconduct, which is very similar to the actions that I have reported here.

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 2023-03-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
: From XXXX I asked three credit bureaus Experian, XXXX, XXXX to update my balances with all of my credit cards along with payment history. They wont update them. XXXX is a closed paid off account. All three bureaus have my owing money. My loan from XXXX XXXX need to be updated with the balance being only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Need to be updated on the balance. 


Remove negative activity from all credit cards and loans and update the 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 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have XXXX hard inquiries on my credit score. XXXX from some XXXX XXXX  XXXX from a credit card XXXX from a car insurance for which none of them I never applied for. You can see the cards were never even used. You can also see that I never even owned a vehicle so I would like if all these could please be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had three fraudulent unauthorized charges on my Bank of America account through XXXX XXXX. Adding up to {$310.00}. I contacted XXXX XXXX. They didnt resolved the issue. I contacted Bank of America about the issuethey gave me temp credit until the resolve. I get a notification that it was resolved and closed then a few days later. It changed to resolved not paid.Im not sure why that happened because I didnt authorize those charges!

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 monetary relief
Consumer complaint received 2022-12-16
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/XXXX, XXXX opened an unauthorized account XXXX using my Social Security Number in XXXX Georgia. 

I did not live in XXXX Georgia on or about XX/XX/XXXX and did not authorize the account. 

XXXX made no attempt to stop the unauthorized transactions and in fact, the unauthorized transactions continued through XXXX. 

XXXX via their collection agency " Eastern Account System '' reported the fraudulent account as a charge off for {$1900.00} on XX/XX/XXXX on my XXXX credit report. 

XXXX via their collection agency " Eastern Account System reported the fraudulent account as a charge off for {$1900.00} on XX/XX/XXXX on my XXXX credit report. 

XXXX has repeatedly accessed my credit reports without my permission, a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On Saturday, XX/XX/2023 I received a notification via email ( from my XXXX credit account ) that there was a hard inquiry made by XXXX XXXX. I called them to dispute and they said it was a personal loan application made through XXXX XXXX ( a company like XXXX XXXX ). I did not apply for a personal loan. This was a fraud. 

I placed a freeze on my social security number and have already contacted Experian regarding the fraud. I was told by both XXXX  and Experian to file with FTC to get this off of my credit report ASAP. 

I am going to call the other 2 credit bureaus today.

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 2022-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My house is been foreclosure on with fraudulent assignments, and we were attempting to modify the with the loan service but instead we were placed in foreclosure while accepting documents for a modification. This is dual tracking. I asked for the gap account because I questioned the amount owed. I sent QWR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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: Their investigation did not fix an error on your report

Complaint:
I have requested that the incorrect information be removed from my credit report around a month or so ago and the incorrect information was not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX XXXX account XXXX XXXX opened XX/XX/2022 balance XXXXThis accounts is not mines and is being falsely and fraudulently reported as opened with a XXXX balance no payment history I have never had an account with this company or signed a contract with this company I have called and disputed this information this account and a proper investigation was not done. This account is not on any of my other credit report such as XXXX and XXXX which is in violation of usc 1681 complete and accurate and consistent information Violation of 15 usc 1681i 6 ( b ) ( iii ) ( iii ) a notice that, 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 available ; ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo N.A. has delayed the closing of my mortgage loan putting our {$20000.00} deposit in jeopardy constantly requesting conditions for which have already been provided multiple times. Their underwriter refuses to actually review the documentation provided but seeks to consistently return the file without resolution or completion of the conditions.

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 2023-04-11
Company: EQUIFAX, INC.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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, XXXX XXXX, am writing to complain about wrong information on my credit report. Following addresses are inaccurate and not my current or current address. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The following inquiries are on my report that were not applies for me by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers on my report are not accurate or current : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE AND REMOVE ALL INACCURATE INFORMATION 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 2022-12-08
Company: EQUIFAX, INC.
State: OH
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX  XXXX Balance : {$600.00} IR XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX MA XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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