BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-06-07
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a phone call from US Bank Fraud Department, XXXX, at or around XXXX on Thursday, XX/XX/2022. The associate introduced herself as XXXX and she was a member of the fraud department at US Bank. She proceeded to tell me there were several attempted transactions that day and her department was alerted. She continued to tell me that someone was trying to use my debit card number at a XXXX in XXXX, FL. She then proceeded to tell me that the 'thieves ' had infiltrated my accounts and were trying to use the XXXX application to send themselves money from my account. She then asked if I would be willing to help the bank, local police and FBI to catch these perpetrators by approving a XXXX transfer to an agent who was in charge of this investigation. She stated that the money would be replaced into my account within 24 hours. I, regretfully, obliged. The following day I continuously checked my account for the reimbursement. I called US Bank Fraud department again to check on the status of this process. As I was on hold for the Fraud Liaison department, I received another call from 'US Bank Fraud Department '. My waiting time on hold was to be 30 minutes, so I answered the incoming call. Another female representative said that my number had been 'flagged ' so that I could get through to their department immediately. She began to reassure me that this process was legitimate and they were investigating the source ( s ) of my issue. She, again, said that my money would be deposited within 24 hours, no later than Monday, XX/XX/2022. On Monday I call the US Bank Fraud Department, XXXX, and spoke with an agent, XXXX ', who listened to my story and immediately told me that I had been the victim of a fraudulent scam. When I asked how they could call me using the banks phone number and when I called the same number the next day how did the " scammers '' know to intercept my call into the bank, her response was that she did not know but they will investigate thoroughly. Unfortunately, I have very little confidence that US Bank will do anything to refund my money because of a hack into their own phone system.

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 2023-09-19
Company: Click n' Close, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dealing with Mid America Mortgage/Click N Close has been completely insufferable. Mid America Mortgage/Click N Close has reported my mortgage to be 120 plus days delinquent and yet they sent me a notice stating that my mortgage is up to date until XX/XX/XXXX. I contacted Mid America Mortgage/Click N Close to have them reverse that reporting and they basically told me that I have to prove that they even reported it. On top of that, I have sent them a check for almost {$39000.00} from an insurance claim which they were supposed to cash and then send me the money to pay the contractor for the repairs. Mid America Mortgage/Click N Close lost the check for over 2 weeks and I have proof of it being sent overnight with a tracking number. Mid America Mortgage/Click N Close lied and stated they submitted a " work order '' to find the check on 2 separate occasions, however, when I called to check on this the record did not reflect that request. When Mid America Mortgage/Click N Close found that check, we had already put a stop payment on that check and sent a second check which they then received also and they tried to cash both of them. Obviously only one check went through. They put a stop payment on the one fractional draw check they sent me so I am unable to utilize those funds even if I did receive that check, which I have not. Mid America Mortgage/Click N Close then said they were only going to give me a partial draw for a fraction of the original check amount. I never received that partial draw and it has been over a week. My mortgage is reported as delinquent and they have lost the money from my insurance company and my contractor has yet to be paid because of Mid America Mortgage/Click N Close 's negligence. No one knows anything and have all provided incorrect contact information such as email addresses and physical addresses. They have also provided me with false information regarding policy and procedure. No one should trust this company with a single dollar as it will be misused, misplaced, and stolen. Mid America Mortgage/Click N Close has caused me extreme distress, migraines, XXXX  and XXXX XXXX due to this entire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: OK
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 addressed this dispute on XX/XX/ with XXXX, XXXX, Experian and to no avail neither have resolved this after receiving my documents. Which is why I'm attaching this complaint as told by the credit bureas

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 2023-09-26
Company: Global Lending Services LLC
State: IL
Product: Credit reporting 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 report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her XXXX XXXX is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: IL
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:
My ex-wife used my name and identity to collect credit and do online shopping with the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, hard and soft enquiries and others which I don't know yet. These are all reflected on my credit report and is damaging my 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 2022-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX from XXXXXXXX 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 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 explanation
Consumer complaint received 2023-09-15
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer MOHELA is doing a poor job on handling my student loan payment process : 1. I made a payment on Federal student loan on XX/XX/2022 for {$5200.00} and that was the time my loan was undergoing a transition from Fed Loan to MOHELA. MOHELA lost the payment. I have kept calling them for the last 1.5 years about this, and recently I found that they raised my loan from {$25000.00} to {$30000.00} because they think they found the missed payment and refunded it to me since it was made during COVID and I can ask for refund. ( I still haven't received anyway, it's been half a month now ). My problem is that I have never borrowed {$30000.00} ; the missing {$5200.00} was made my loan was {$25000.00}. So I was charged extra for finding that missing payment back. And last week, I called their customer service, they said that they are going to adjust the amount after investigation in 7 days. Still haven't seen the adjusted amount, but the repayment under {$30000.00} is already on its way. 
2. My school starts on XX/XX/XXXX, and my in-school deferment couldn't make until the end of XXXX, this will make me pay for {$700.00} at least until in-school deferment could be notified.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/XXXX I mailed a certified letter to experian and it was returned to me. i don't why it was but it happened. the was inform that has two accounts that was reporting in accurate on my report. one account was XXXX XXXX XXXX and the other was XXXX XXXX XXXX. both of the accounts are inaccurate. since the letter was undeliverable and returned and not opened i need action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: SC
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: IL
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-06-07
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
My XXXX credit report is showing a late payment in XXXXXXXX XXXX My Bankruptcy was filed in XXXXXXXX XXXX  and this account was never late up to the date of the XXXX filing. 

There are three AMEX account numbers incorrectly reporting a late payment in XXXXXXXX XXXX 
Those account numbers are : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NE
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 not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2023-08-04
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Reporting company used your report improperly

Complaint:
I reviewed my consumer report and noticed that I had a collection on my account from a company that I've never done business with. They also have different open account dates further proving even more inaccuracy. Consumer reporting agencies have provide a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never had this account as well as the opening date are different : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) : XXXX Please investigate and provide proof with statements showing that this account is mines. If proof can't be provided I demand this account be remove from my report Thanks, 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 2023-07-25
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-06-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I NEVER GAVE YOU WRITTEN NOR ORAL CONSENT TO PLACE AN EXTENDED FRAUD ALERT ON MY CONSUMER FILE PURSUANT TO THE FCRA. I DEMAND THE REMOVAL OF THE EXTENDED FRAUD ALERT. Thank you. Peace and blessings!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 inaccurate personal information that doesn't belong on my file.

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