BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Multiple Accounts and inquiries on my credit report I do not recognize

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 2020-08-19
Company: EQUIFAX, INC.
State: NE
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 have sent letters, disputed, called and notified my credit bureaus that this is a result of identity theft. My wifes ex sister in law was staying at our house when we were out of the state and this was opened and had access to our bank account cards. My XXXX email was hacked and breached and to my understanding was used to correspond with this company. My wife and Is phone were hacked and flashed for our number and it took getting new phones to resolve this. We had to stop payments on this when my wife balanced the check book and realized money wasnt balancing and there were multiple withdrawals for this including having to get new cards and accounts etc. Its my understanding also that the address used was XXXX XXXX XXXX XXXX but we moved in XX/XX/2018 to XXXX XXXX XXXX XXXX and utilized our XXXXXXXX XXXX XXXX  account. Its my understanding that the calls on the original loan have voices from multiple different people. This loan shows refinanced and it was my understanding that this was to be closed and removed but it looks like someone got to run off with the money and I did not take this loan with my knowledge or consent. The contract I have seen only once stated interest in the amount of something like 188 % which I dont believe to even be legal. They are stating I owe {$2500.00} to them and this is a result of identity theft. I just recently learned my rights and have asked them to remove this after the XXXX account and Equifax breach along with my drivers license and wallet being stolen from me at work. I have had multiple loans with my credit union and would never need a loan with this insane interest which is predatory to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is a continuation of complaint XXXX filed last Fall of 2021. Since this time I was contacted by the loan servicer, and they had me fill out a loan modification document. I submitted the documentation, and 3 months later the company processed my documents and informed me I had a lien on my property. I was 100 % unaware of this lien, and upon finding out it turns out the lien was issued in error. I sent documentation to the company appointed point of contact, and followed up with her multiple times over a 4 month period. I have not heard back from this person since probably XXXX at this point. Since this point I've received multiple calls from Amerihome saying they have no record of my loan modification application, and have not received an update on the documentation I've provided. This situation is causing me all sorts of XXXX  because I've done everything I was asked, and can not get a straight response from Amerihome. Additionally, all of their agents are extremely rude and unhelpful. Why can they not find my submitted modification? Why can no one tell me the status of the documentation I submitted? I would like my previous application reinstated and this matter to be closed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XXXX/XXXX/2017, I learned that I was one of millions of customers that were victims of a security breach at Equifax. Information stolen included name, social security number, and date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
Equifax mishandled my information which has led to a recent data breach that puts myself and over 143 millions of other consumers at potential risk. I am also extremely disappointed with how Equifax has handled reporting after this breach. Very little has been done to notify the public for nearly a month after the breach was detected. I received no phone calls, e-mail or mail communications from Equifax and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute.
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: GA
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:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX NA XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX 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 2022-07-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've sent Navient 2 correspondents, and they have yet to send me the requested information. I've asked for this information over the phone, in writing XX/XX/2022, and XX/XX/XXXX XXXX XXXX I have yet to receive the information about my loan. I have also sent the same correspondents to cfpb, XXXX, XXXX, XXXX as a curtesy so that I can get the information needed to verify the information. they have also been calling me three times a day when I have requested, they do not call me and to correspond by written correspondents through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At some point all three credit reporting agencies should stop blocking me from getting what the federal government is guaranteeing the US consumer. And that is weekly annual credit reports from Equifax, XXXX and XXXX. All three are still restricting us access to get the Free Annual Credit Reports. This has been going on for awhile, and it is being allowed to keep us from seeing how our credit scores are being suppressed. Now we have a perfect paying history, no late or missed payments on any of our accounts. No negatives or anything that could negatively impact our credit scores, yet my XXXX score is XXXX and my Equifax credit score is XXXX. My XXXX is XXXX and that is because XXXX limits their third part access into the consumer credit data. 

The goal is to keep our score low and make our accounts XXXX. 

We have been disputing this and all three credit bureaus have been consistent to NOT CORRECTING these intentional errors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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 am a victim in the Equifax hack. I found out on XXXX XXXX 17. I have alerted another credit company to place an alert on my identity. I understand that they are a victim in this too, but they are also responsible for my security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
Despite all my efforts to confront the Credit reporting Agencies regarding the Fraudulent information from my Credit File, the Credit Bureaus became lazy and did not comply with the FCRA regulation section 605b and continued reporting of unverified information to my Credit File. Due to the Credit Bureaus becoming lazy, it became a huge problem for me to properly contact the Credit bureaus and inform them regarding the fraudulent information on my Credit Report. I have sent a letter disputing the fraudulent items from my Credit File on XX/XX/XXXX and have been sending countless letters having the same message that is to remove the items that resulted due to identity theft. But the Credit Bureaus have never even once paid attention to my letters neither respond. I came to realize that my efforts are useless since the Credit Bureaus are best at doing nothing to pay attention to a consumer 's requests. I am frustrated by this and tempted to take legal action againsts the Credit Bureaus. By submitting this complaint through the CFPB, I am looking forward that the Credit Bureuas would take immediate action and remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX A XXXX Balance {$570.00}

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 2022-02-10
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: Personal information incorrect

Complaint:
When I apply for credit related things it comes up I am deceased. But for state and federal filings it does not it seems. My father passed away 14 years ago and since then alot of credit things of his and mine have been mixed or me reported dead. I was told you can help with this.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am appalled to see that the Accounts I have been disputing were not corrected after acquiring an updated copy of my Credit Report. I have been sending countless letters to the Credit Bureuas urging them to correct the accounts from erroneous reporting, however, I am disappointed to see that the Credit Bureaus have done nothing. The last letter I sent to the Credit Bureaus on XX/XX/XXXX requests that the Items I believe report inaccurate information must be corrected. The Credit Bureaus never responded to the Letters I previously Sent before XX/XX/XXXX which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX XXXX XXXX DE XXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
When I apply for credit related things it comes up I am deceased. But for state and federal filings it does not it seems. My father passed away 14 years ago and since then alot of credit things of his and mine have been mixed or me reported dead. I was told you can help with this.

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 2021-08-25
Company: Activehours
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I was notified that my debit day was changed to wednesdays, so I chatted in to their customer service line as this was strange. My paydays are always friday like most of americans. They told me that since my bank would post the deposits on wednesday most of the time they changed it. I let them know that this does happen but in no way was it something that was guaranteed because it depends on the bank and they don't have to post on that day. They assured me that it would be fine and that if there were any issues of overcharges due to the date then they would help and change the date. 
Now that it has happened, they drew the money today wednesday XX/XX/21 and of course my bank hasn't posted the deposit yet. They refuse to change the date stating that its always on wednesday so they can't even though its obvious that is incorrect. They also won't credit the overdraft fees as promised because of their error. I have been in chat with them for 3 hours now and they won't even change the date. They say its based on an algorithm but obviously its broken because this has happened. 
They have made no attempts to assist and then managers have been worse then the agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: I.C. System, 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: Account information incorrect

Complaint:
Credit collection agency " I.C. SYSTEMS '' is DOUBLE-REPORTING an account for {$160.00} on my XXXX credit report. I. C. SYSTEMS did correctly report only one account on my XXXX XXXX credit report, but have taken the illegal liberty to report the same account twice to XXXX XXXX. Such reporting was done within a few days of each other. 

I disputed the duplicate reporting to XXXX on XX/XX/XXXX and received confirmation number XXXX. However, I.C. SYSTEMS confirmed that both accounts are mine, which is incorrect. Both accounts are NOT mine. Only one account is mine from the original creditor, XXXX/XXXX XXXX XXXX. 

Again, today, XX/XX/XXXX, I disputed the information with XXXX and received another confirmation number, XXXX. However, as a result of I.C. SYSTEM 'S incorrect reporting, my XXXX credit score nose-dived about 40-50 points, which is COMPLETELY UNACCEPTABLE because it is based on their erroneous error.

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 2022-07-12
Company: EQUIFAX, 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: Investigation took more than 30 days

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 : XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

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 : XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
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: Reporting company used your report improperly

Complaint:
per the lawsuit going on with equifax and them giving wrong scores per looking at my report I found many accounts reported by them inaccurately. they have federally violated the law by reporting these negative accounts. 
XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX -XXXX XXXX ACCOUNT # XXXX -XXXX  ACCOUNT # XXXX -XXXX  ACCOUNT XXXX* 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; Medical XXXX Balance : {$680.00}

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