BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: DC
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 on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file. 

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

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 2023-11-11
Company: EQUIFAX, INC.
State: NY
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  XXXX Balance : {$6000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: American Collection Services, Inc. (OK, TX)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Against my knowledge my ex-husband of XXXX who has full custody of our son listed me as the person responsible for a medical bill. I have contacted XXXX XXXX XXXX out of XXXX Oklahoma on XXXX occasions. I have explained each time that not only do I have no rights to said child I also am not legally responsible per the divorce for any medical bills of said child. I did not sign any hospital papers stating I had any knowledge of this bill, I received no bill, I have not been a resident of Oklahoma for XXXX, I did not sign HIPPA papers and this is fraudulent. I was told every time that they would not do anything. I have given them his father 's name and number and told them his insurance that is carried as well to no avail. I have called the debt collector who this was turned over to and have tried 3 times to dispute this blatantly fraudulent charge with no success. I only found out about it when I checked my credit report. This is the XXXX bill coming out of the same community hospital that has negatively affected my credit in the past XXXX. I did not sign, have knowledge or even live in the state this bill comes from. I have been a resident of Oklahoma since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX Account # XXXX, has violated my rights. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Morning, I started struggling with my Mortgage payment since XXXX and COVID made it worse because I work in the XXXX XXXX and many business were force to close. I apply for a Loan Modification but I was Denied. I have a trustee sale date for XX/XX/XXXX, Im asking the bank to postponed the sale date because my brother XXXX XXXX is selling his home, which is currently in escrow and the close of escrow is on XX/XX/XXXX. and he has giving instruction to XXXX XXXX to wire the money to SLS upon close of escrow. 

On XX/XX/XXXX I request an updated reinstatement to SLS and to the Trustee and have not received it yet. I contact them yesterday and they gave me a verbal amount I only requesting to postponed my sale date so I can re-instate my loan. ( See Attached Sellers XXXX and wire instructions from XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX Account # XXXX, has violated my rights. 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.

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 2017-04-26
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: Their investigation did not fix an error on your report

Complaint:
I am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens on my  XXXX . They removed 1 BK 5 Tax liens ( with cfpb 's he lp ) on  XXXX   XXXX .   XXXX   but back on the BK a few days later.   XXXX   also sent me a lett er ( attac hed ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same  date ( a ttached ) saying I do have a BK a nd 1 tax lien. I hav e attached a letter fr om the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report per the  Federal Laws.  I have attached proof of the information stated.

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 2022-06-09
Company: EQUIFAX, INC.
State: NJ
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, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX Bank Account # XXXX - Have disputed multiply times with all XXXX XXXX Equifax and XXXX. Equifax could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$510.00} XXXX nor XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 

XXXX. XXXX XXXX XXXX Account # XXXX Have disputed multiply times with all XXXX, Equifax and XXXX. Equifax XXXX XXXX could NOT verify the account and deleted it. This account is still reporting a balance of {$850.00} and is reporting as an open collection. 
XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. XXXX XXXX XXXX could NOT verify this account and deleted it. This account is also marked as closed but is still reporting a balance of {$1100.00} Equifax failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. XXXX & XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$110.00} and a past due balance of {$110.00} Equifax failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. Equifax XXXX XXXX could NOT verify the account and deleted it. The last time the status of this account was updated was XX/XX/XXXX. Its XXXX of XXXX and XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 



AND I also have NEVER worked at XXXX XXXX nor XXXX XXXX I work for XXXX & XXXX Carriers AND The following inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions Delete these accounts immediately, unless you want to be held {$1000.00} per violation. 

I have also mailed letters to the FCDPA and XXXX and each creditor and each credit bureau. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have sent a letter to the company regarding the details of the letters they have sent to me. I have told them that they have violated my consumer rights and broken federal law. I have also sent them a cease and desist and stated that all further communication shall be through mail, no phone calls. I listed the laws they broke and how they broke them along with their civil liability for breaking them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022, I mailed the attached dispute letters to Transunion and XXXX via certified mail to dispute the XXXX charge off that's inaccurately reporting on my credit file. Both bureaus stated the debts were verified as accurate ; see the attached reports. I have provided a screenshot of my most recent report and the data across the bureaus are not reporting 100 % accurately ( Key Data Points are not consistent ) and must be REMOVED from my credit report! 

Per 15 U.S. Code 1681i ( 5 ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX Account : XXXX XXXX Transunion Account : XXXX Acct 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 2022-08-23
Company: Experian Information Solutions Inc.
State: TX
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:
Unauthorized credit inquiries on my credit report, I have spoken with XXXX XXXX, and Experian about these inquiries and they failed to do anything. I have also submitted several disputes via online and nothing still has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: DC
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 on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which  is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file. 

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

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 2017-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
An inquiry on my report was not authorized

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 2022-07-31
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2020, WF BANK NA added a derogatory mark on my credit report per XXXX. Upon further research, this charge-off does not belong to me and should not be reported on my credit report. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, WF BANK NA violated my consumer rights, and I'm requesting legal action to remove this account 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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  Acc. # XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acc. # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) - Section states : No consumer reporting agency may make any consumer report containing 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 2022-08-23
Company: Freedom Mortgage Company
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: Account information incorrect

Complaint:
In or around the beginning of XX/XX/2022, I contacted Freedom Mortgage and communicated that my loan/mortgage account with them was reflecting that it was " refinanced, '' but it was simply paid off and not refinanced. Additionally, the comments on my credit files also incorrectly reflect that it was refinanced. Freedom Mortgage assured me that this would be corrected, but it has not been.

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 2020-02-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car was paid off late XXXX/early part of XX/XX/2019 and company refuses to release lien. Multiple visits to DMV have been made in vain and multiple calls to Santander have been made in attempt to get them to release the lien. Santander keeps giving me the run around saying they have sent me a document sufficient for the DMV to release lien their lien and the DMA has advised more then once that Santander has to release the lien on their side. Do to Santander not releasing lien on vehicle on a timely manner they cause me to be in a financial bind regarding my bills. Car was to be sold but multiple deals have fallen through because a Santander has refused to release lien. I cant sale a car without a CLEAR TITLE

Company response to consumer: Closed with explanation