BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
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:
Despite the multiple written letters and submitted complaints, the Credit reporting agencies have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting erroneous information on my Credit File that resulted from the Identity Theft. It has been drawn out into the open that the Credit Reporting Agencies are not blocking files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are reporting erroneously because of fraud, I will hand my records over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate action so if it's not too much trouble, comply with the law. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; and XXXX XXXX XXXX XXXX XXXX : {$920.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX 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 XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$150.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Real Time Resolution documents have multiple non corresponding dates to transaction history record. 
Real Time has not confirmed how lien remains on property with debt appearing to be paid based on transaction history I have requested copies of all draws on account by wire, check, cash advance or by credit card. 
Real Time documents are dated XXXX and signed by XXXX XXXX XXXX when transaction allegedly took place in XXXX or XXXX based on documents provided. By both parties Deceptive, misleading, inaccurate balance to name a few

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account XXXX which is now Known AS XXXX should be deleted from my Experian 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 explanation
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian and XXXX continue to not comply I do not know what else to do, the lien was withdrawn XXXX removed it and evidence was submitted to all three. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has XXXX Inquiries ( XXXX, XXXX, XXXX and XXXX ), XXXX Collections ( XXXX and XXXX XXXX ) and a Charge Off ( XXXX XXXX ) on my credit file that I have disputed more than XXXX days ago. I have contacted these companies about these debts and inquires and they failed to respond to my certified letters. I then contacted Experian to inform them of these disputes as well as provided them with proof and they ignored my request and have not removed them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XPN report : XXXX I recently applied for a home loan, and the lender obtained a copy of my Experian, XXXX and XXXX credit histories and shared it with me. I then obtained a copy of my Experian consumer disclosure to better understand the report. I have now seen there are a number of inaccuracies in my report. 

There are a number of items appearing only on Experian, which have long been purged as obsolete from XXXX and XXXX, since the date of original delinquency is more than 7 years ago. Specifically, these items are : ( XXXX ) tradelines from the Florida Department of Education, collection in nature, partial account number XXXX and XXXX ; ( XXXX ) tradelines from XXXX XXXX, partial account numbers XXXX and XXXX. 

There is also a tradeline from XXXX XXXX XXXX, which shows positive payment history and is reported as " disputed. '' This is erroneous and the information is not disputed. The " disputed '' comment should be removed.

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 2015-10-20
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX accounts XXXX, XXXX, and XXXX ARE NOT MY ACCOUNTS ... these need to be removed. I have told them numerous times and no one cares. 
XXXX got these accounts from XXXX. XXXX allows anyone to order from them without any source of identification at all. All you give them is a name and an address and then XXXX. I need these account removed. this is effecting my ability to get credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested to receive all three of the online credit reports at XXXX and was able to access XXXX and XXXX. I noticed a difference between reports and attempted to dispute the XXXX - XXXX XXXX XXXX Loan Amount. When I completed dispute, for Security Reasons the system booted me out. When I returned, it indicated I completed review of ALL XXXX credit reports. This is False as I could not longer logon again. I 've requested Experian provide me a link to retrieve my FREE Experian Credit report. 
Issue at hand : My Identity was misused by XXXX XXXX XXXX who was assisting me to purchase a property, XXXX XXXX, 2008, which he still owns. He used a Fraudulent Financial Institution : XXXX XXXX XXXX, Owner, XXXX XXXX, Used a Fraudulent Escrow Officer, XXXX XXXX with Fraudulent Escrow Co. XXXX, sold loan to a Fraudulent subsequent Financial Institution : XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. Looking to EXPUNGE Fraudulent and Delinquent Bill from unknown Financial Institution. It 's not my Loan. 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 non-monetary relief
Consumer complaint received 2018-05-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied and was approved for the American Express Business Platinum XXXX point offer via a mailing offer for my XXXX XXXX on XX/XX/XXXX. The offer terms dictated that in order to earn the bonus, I must spend $ XXXX in the first 3 months to earn XXXX Membership Rewards and another $ XXXX in the same 3 months to earn an additional XXXX Membership Rewards. I met both terms within the directed time period and was awarded the points. 

I applied and was approved for another American Express XXXX XXXX XXXX point offer via a mailing offer for my XXXX XXXX XXXX on XX/XX/XXXX. The offer terms dictated that in order to earn the bonus, I must spend $ XXXX in the first 3 months to earn XXXX Membership Rewards and another $ XXXX in the same 3 months to earn an additional XXXX Membership Rewards. I meant both terms within the directed time period and was awarded the points. The offer terms are attached. 

At the end of XX/XX/XXXX, American Express conducted a financial review and stated that because I previously had an American Express XXXX XXXX XXXX, I was ineligible for the second and third bonus I was awarded and they redacted the XXXX points I earned. No where in my offer terms for the mailing offers I signed up with did it include a " once in a lifetime '' award term. American Express refuses to review the offer terms I scanned that were included in the mailing offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This Medical bill was put onto my credit report. This collection company has a terrible rating with the XXXX and has fraudulently reported this on my credit report. Let 's be clear, I have no idea if this bill is mine or not because they have never sent me a bill or attempted to collect. It seems very unfair to get this reported to my credit when I have never had a chance to pay. TRUE NORTH AR is the piece of XXXX company that reported this. This bill was ( supposedly ) originally from XXXX but it 's now XXXX and still ... Nothing!. This is damaging my credit and I have all current and satisfied accounts other than this. I am very frustrated, I disputed this with the Credit Bureau and they just said it was 'mine ' and closed the dispute. 
I do not feel this is fair. I pay my bills when they are presented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried numerous times to get these inquiries off my credit report as they are not approved by me. These companies have not granted any credit to me and I want them off my Experian report. I have tried faxing and sending letters and calling Experian with no results. 
1 ) XXXX Bank from XX/XX/XXXX16 & XXXX/XXXX/16 2 ) XXXX from XXXX/XXXX/16 3 ) XXXX XXXX/XXXX/16 4 ) Credco XXXX/XXXX/16 5 ) XXXX XXXX XXXX XXXX XXXX XXXX16 6 ) XXXX XX/XX/XXXX16 7 ) XXXX XXXX/XXXX/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 explanation
Consumer complaint received 2016-05-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In early XXXX after filing my XXXX taxes I contacted via mail from the IRS stating there is an important matter about my XXXX tax return. I contacted the IRS from their website just to be safe and spoke to a Representative who stated there was a return already filed using my SSN and Name. She went on to ask my some verification questions and indicated this was fraud, the return would not be processed and for safe measure I should check my Credit Reports to make sure whoever filed this return with my Name and SSN has not done anything else. After pulling all XXXX Consumer Reports, I found multiple credit accounts opened with my name and SSN, mainly credit cards. The accounts opened were credit cards from XXXX Bank- XXXX, and XXXX Bank XXXX Since I found all these fraudulent items in XXXX XXXX to current day, I have went through so many letters, calls, fraud affidavits, and credit disputes through the XXXX agencies. I have been successful in contacting these Creditors directly, explaining my issue, and being able to get the items removed after each company did investigations. The only fraudulent account I am still unable to get removed is the XXXX XXXX Bank Credit Card. I have contacted them multiple times asking to speak to their Fraud Department and was told they are unable to transfer me but will mail me paperwork to fill out to get the item removed. To this day I have not received any correspondence from them even after several phone calls. I have disputed the account multiple times through Experian and the other XXXX agencies but when the results come back, XXXX XXXX states the account belongs to me. I have mailed them a Fraud Affidavit from the FTC site which they stated they received in XXXX of XXXX but nothing has been done. I called again today, XXXX/XXXX/XXXX, I am told the same thing that they are unable to transfer me to their Fraud Department. The person on the phone stated the account was NEVER disputed through any credit reporting agency and she can see they did receive my Fraud Affidavit but can not provide me any other information. I then contacted Experian right after and spoke to a XXXX, who stated he can see I have disputed this item numerous times but XXXX XXXX states the account is still mine. I have also disputed the item with Experian and uploading the affidavit I sent to XXXX but still I can not get this fraudulent item removed from my credit file. It is very frustrating because I was able to remove all the other credit accounts from such big financial institutions after investigations were done and found to be fraud but can not remove a small credit account from XXXX XXXX. I am out of options or ideas on how to get this removed just like all the other Fraudulent items.

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 2016-08-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this issue as soon as possible. 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXXXXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.

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 2015-11-29
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient is servicing my son 's student loans. He has XXXX : XXXX at 7.5 % variable, XXXX at 2.75 % variable, and a XXXX at 2.25 % variable. We have been sending payments on all XXXX, with specific loan numbers on each payment, and with larger payments on the higher rate loan to try to pay it off earlier. Navient has been posting the payments proportionately by outstanding balance on each loan, rather than the loan number stated on the payment, thereby causing higher interest to be accrued since his loan with the 7.5 % rate is receiving only a portion of total payments rather than the larger amount being sent. This is abusive and should be rectified by reducing the 7.5 % loan accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Experian. I do not owe any debt, nor do I have any contracts to debt with this agency. This collections agency has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. Requests for investigation and disputes to Experian were delivered on XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. No results were mailed to me from Experian about verifying infomation with XXXX, but the account 's information on my credit file was updated with all entries on the account saying " Not Reported '' despite the account still being present. This means the account has not been verified and the results were not sent to me within 30 days of XXXX/XXXX/2015. Experian has not complied with XXXX XXXX a ) ( XXXX XXXX requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA XXXX violations. The account has been removed from other bureaus for failure to validate and verify. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is my letters of correspondence with Experian disputing the account, requesting investingation and method of verification, as well my proof of mailing. Also submitted is a copy of the way Experian has entered the account on my credit file to avoid removing it because XXXX has not validated the account. All documents were signed and notarized before sending to Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX obtained my credit report without my prior authroization or consent. Since I already have a pre approved loan with XXXX, I informed them that I would use my approved loan instead of them financing. But XXXX XXXX pulled my credit report from EXPERIAN CREDIT BUREAU without my authorization. I also didnt provide any written or oral authorization for obtaining my credit report for auto loan financing. I also contacted XXXX and they told that they neither obtained my credit report nor applied for auto loan financing. Below are the unauthorized inquires. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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