BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an 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 2022-08-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries I know nothing about that popped up from 2020 my XXXX XXXX was XXXX last month then out of no where it dropped to XXXX I never been late on a payment for nothing I feel like Experian playing with my credit score they dont wan na see XXXXXXXX XXXX people with good credit I mean why drop my score for no reason.!!

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 2022-08-30
Company: Experian Information Solutions Inc.
State: TX
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:
FCRA Violations Not My Credit cards XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} XXXX Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$110.00} written off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family NOT MY XXXX NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until 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 2017-04-12
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Getting multiple calls a day from a company who claims to be representing Castle Payday loans. They call from XXXX. They indicate I owe them {$1500.00} and are threatening legal action. They indicate the loan was from XX/XX/2015. I told her I do not remember taking a loan like this and asked them to provide proof the debt is mine and they indicate they can not do that unless I pay money for a " conditional release letter '' and demand that I set up payment arrangements to pay the {$1500.00} back. I told her I was not going to pay anything and I asked her to provide me the number to who they claim is the original creditor and she said she ca n't because that would be a conflict of interest because they were hired to " deal '' with me. They are calling my ex-husband, as well as several family members. I asked them to mail me proof the debt is mine and she said the fact that she has all of my information is proof enough. I asked her to stop contacting family members immediately and provide me the proof I am asking for. She told me they were not going to stop until it was paid. When I refused to set up payment arrangements she threatened me with jail time ; told me she pulled my credit and saw there was no identity theft indications and also that they pulled police records on my name and were able to determine I never filed a police report that my identity was stolen. She was screaming at me that I need to obtain a good lawyer because I will pay. Additionally ; they had my maiden name, XXXX. Not my current name of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I would like to have this info. removed from my report. 
Cause this is not my information at all.

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 2023-04-02
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:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me, also a couple inquiries. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Genesis FS Card Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DEAR XXXX XXXX & ALL REPORTING SERVICES According to the Fair Credit Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a Fraudulent account I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. 
I Demand the following accounts be verified or removed immediately. 
XXXX. XXXX XXXX XXXX IT HAS BEEN RE-AGED AND IM NOT AWARE OF THIS BALANCE SO PROOF OF CONTRACT WITH MY SIGNATURE AND ORIGINAL DATE OR REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
for several years I tried to refinance my home. ( which I have been in for over twenty years. this is a mobile home, myself and wife are both XXXX, we also have a adopted son which is XXXX. every time we sent in paper work there was always something else they needed are they say they did n't get it? we sent certified mail?? now we have been fourclosed on and are living in a travel trailer. select port folio is a doing this to all there customers, and XXXX XXXX XXXX XXXX XXXX XXXX is backing them up. after being put out they have my home up for sale for less than 20 thousand dollars, yet said I was still liable for XXXX? this company has complaint after complaint made against them and they still seem to get away with ripping people off and taking there homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
Previously I established an investigation of some accounts with erroneous information and after reviewing your response I perceived that some accounts are still incorrect, with verified status. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXXXXXX XXXX XXXX XXXX Balance {$8300.00} Date Opened XX/XX/2014 2014

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 2022-08-30
Company: Camino Financial Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Adverse action denying credit my credit score is XXXX You need to take this off my credit completely this is negative information I sustained my good credit over the years by paying my bills not by creditors writing bogus stuff

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: PLATINUM HOME MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
About 2 months ago. My lender ran a payment early, causing an overdraft charge. 
I have submitted all the proof necessary At first I was denied to they thought I mailed in a check. 
But the payment was done over the phone it 's been about 2 months since the incident happen. 
When I call ask for a manager I get a voicemail. The overdraft charge was XXXX All I am asking for is a refund for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit for myself for the first time in 4 years. I was shocked with the various accounts that used to be open using my name and social security number. These accounts do not belong to me. Please remove these fraudulent accounts from my credit report. 

XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$20000.00} XXXX  XXXX XXXX XXXX {$15000.00}

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 explanation
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts were never a past due, I never made a late payment on the accounts ever, change this, reverse the late payments I have a good relationship with these creditors. Not to mention they will not give me an explanation as to why they wont fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF ED/XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: MI
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:
Accuracy and fairness of credit reporting ( XXXX ) There exercise their grave responsibilities with the fairness, impartiality and a respect for the consumer right to privacy. 15.U.S. code subchapter lll credit reporting agencies. In general subject to subsection ( c ), any consumer reporting agents XXXX furnish a consumer report under the following circumstances and no other. ( XXXX ) and accordance with the writing instructions of the consumer to who it relates. 
XXXX ( I ) Prohibition ( a ) reporting information with actual knowledge of errors a person should not furnish any information relating to a consumer to any consumer reporting agents if the person knows has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: OR
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/XXXX I obtained my credit reports from all three credit reporting agencies. 
EQUIFAX, XXXX and XXXX, and after looking over my credit reports yet once again I am very concerned about the inaccurate reporting that has been continuing to happen after countless attempts to remedy this situation and have the three CRA 's remove an account from XXXX XXXX XXXX. 

I also received a letter from the data furnisher who is XXXX XXXX which I have attached where their Manager at the XXXX, Washington office clearly states that they did not " look at the account information '' when I had asked numerous times to do so because inaccurate and erroneous reporting was being made on my reports. After writing letters of validation to XXXX XXXX and the CRA 's each time they have said that the account was " verified '' when in fact it was not. As you will see on my recent credit reports that I have attached for the CFPB, you will notice that the account : dates are wrong the balance is incorrect the payment history shows on time payments in the year of XXXX which is false because the account was closed in XXXX and various illegal reporting 's of inaccurate information that has been going on for way too long. 

XXXX  states in that letter that they did " NOT '' look at the account information, and that its " unfortunate '' whatever the CRA 's put on my credit report. 

According to 15 USC 1681, the data furnisher being XXXX XXXX as well as EQUIFAX, XXXX, AND XXXX  is illegally reporting wrong information which has cause emotional distress, financial insecurity and hardships directly correlated to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
At closing of my loan with Caliber Home Loans, Inc on XXXX XXXX, XXXX, for the amount of {$490000.00} - I was presented with a Compliance Agreement. I have no problems with compliance agreements to provide missing documentations but under this agreement, I as a borrower only have 7 days to comply with any request. 

XXXX I have with this agreement is the small window I have to comply with this request. What happens, if I get a letter in middle of a vacation or business trip and I cant respond within 7 days? Under this agreement, my failure " shall constitute a default under this loan. '' This seems like a easy way for bankers take advantage of borrowers for noncompliance. 

If I had known about this requirement with sufficient time to close, I would have never have gone through with this loan. Unfortunately, I had no time left to look for alternative funding options without my real estate deal falling through. Therefore, I was forced to sign this agreement to ensure I did not loss my {$10000.00} deposit as part of my sales agreement. I feel like the bank had me over a barrel and I had no choice but to sign this agreement. This agreement is 100 % in favor of the bank and offers zero protection to hard working consumers. I really appreciate you looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX have 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 an 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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an 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