BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NV
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 received results for dispute # XXXX on XX/XX/XXXX. In that dispute I provided Experian with clear evidence from the Creditor, XXXX XXXX XXXX, that my XX/XX/XXXX mortgage payment was NOT 30 days late as it was being reported. The payment was made on XX/XX/XXXX which is reflected on the statement they were given. This is clearly not late by 30 days. Despite this evidence, Experian closed the dispute without fixing their mistake. XXXX XXXX XXXX  is aware of this issue but blames Experian. They state they are NOT reporting my account late for the month in question. This is costing me the ability to get a mortgage and neither company should be allowed to be so negligent with their reporting. Ive now had to submit a new dispute today and wait to see if they will actually correct their mistake in 30 days or if I will not be able to buy a home until XXXX because of their carelessness.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: CO
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:
The agency ( Experian ) would not let me talk to an agent on the automated system and the web site they sent me to said they could not help and call.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
This company is reporting false information on my credit report. 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 2020-07-30
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I submitted the Compliance Challenge for metro 2 to experian as you'll see in the below pdf. 

They never responded to the letter of challenge for the negative items and its now XX/XX/XXXX ( OVER 56 days ) VIOLATION # 1 they  fail to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive information from the creditor within the first 30 days ). 
Consumer protection afforded by the FCRA FCRA Section 611 Part ( A ) ( 1 ) They never removed the accounts after being shown the inaccuracies with there reporting from the below either. 

VIOLATION # 2 Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy. 
Defamation, willful injury FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 
Extent of damages incurred by the wronged party, as deemed by the courts. 


These are VIOLATIONS and they HAVE TO PAY NOW. I've attached the images of the disputes that were initiated in the time frame. They never even initiated a dispute and they never even responded. They also never removed any of the information after being sent the proof of inaccuracies.

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 2023-09-22
Company: Experian Information Solutions 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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-04-05
Company: NEW YORK COMMUNITY BANCORP INC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Today XX/XX/XXXX I received a call from Flagstar Bank stating that my mortgage was behind for XXXX & XXXX of XXXX. 

In XXXX of XXXX, my mortgage servicer changed from XXXX operating as XXXX XXXX to Flagstar Bank. On XXXX the XXXX of XXXX my mortgage payment was auto drafted from my checking account to pay to pay my mortgage. On XX/XX/XXXX of XXXX my mortgage payment was auto drafted from my checking account to pay my mortgage for XXXX. This alone should would leave any reasonable person to believe their auto draft payments have been transferred over. 

When I received the call today I was informed that my mortgage was behind for both XXXX & XXXX and that the XXXX payment had been reported to my credit as late. She then stated that autopay would have had to been manually transferred in order for my payments to go through. When I asked how they received XXXX and XXXX 's payment, she stated that my previous mortgage servicer sent them through on my behalf. This is wildly convenient because under RESPA 33 ( c ) payments may not be considered late for the first 60 day after the effective date of the transfer. However, because my payment were still being taken out of my account during that time period I never received the protection that this regulation intended. Furthermore, Flagstar is refusing to cooperate in any form to remove this late payment. It should be noted that I never received a document stating that my autopay needed to be changed. The representative XXXX stated that there where several mailers sent out. All of which I have not received. 

I feel that this situation highlights the failings of Flagstar Bank to operate in good faith. They are trying to maximize fee 's and sidestep regulations that intended to protect consumers from this exact situation. I haven't missed a single payment in over 12 years and have had excellent relationships with every financial institution that I deal with. This missed payment was merely the result of a failed mortgage servicing transfer of which I should not be liable for. If you are reading this as a consumer, I highly recommend you consider other financial institutions.

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 2020-08-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back in the end of XXXX this year i was on social media & I got a message from a XXXX XXXX on XXXX & it said get paid {$1500.00} a week Just for keeping me happy, so therefore I went along with it she wanted my bank account information so I gave out the detail for it, she also wanted some money back which I didnt know why I be receiving information about my transaction saying Stop Payment I think since this morning my bank account had been frozen since this I was receiving fake checks but I still have the photos

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: DE
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:
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 response to consumer: In progress
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: TN
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: Other problem getting your report or credit score

Complaint:
I have pulled up a copy of my credit report through the credit monitoring account that I am using which is IdentityIQ and I noticed that my score in Experian is not being reported. The error says Not Reported - Code : 4. This is the third month that they have not reported my score and all of the accounts that they are supposed to report and show in 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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Duplicate address shown for XXXX. Please delete Multifamily residence : XXXX XXXX XXXX XXXX NY XXXX ========================================= ***This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately**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 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  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Transunion 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 XXXXThis is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately*** ***Do not add any fraud alerts to XXXX nor Transunion***

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 2020-08-06
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt does not belong to me, it was unverified, not validated and is currently reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX My social : XXXX XXXX XXXX account, I opened a complaint with Transunion about my XXXX Account Number : XXXX. On my credit report. Transunion has done an investigation and failed to give me any proof that the account is valid. This account is not valid and I have a letter from the creditor that states that it is not valid. I Made the complaint on XX/XX/XXXX and the result came in as a valid debt which it is not. Transunion has not provided any proof that it is my account. I have proof that this does not belong on my credit report, you can contact XXXX XXXX the confirmation number for deletion is 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I got into car accident 2016 and my car was total loss and I had gap and the didnt give me both back

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 2023-03-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm writing you myself. This demand has no third party. 
I've informed you of unfair practices before. YOU VERIFIED THESE ACCOUNTS WITHOUT ME. The banking system relies on fair and reliable customer reports. I'm getting erroneous information without notice. Your organization did not inform me that these inconsistencies will be reported during your initial examination. 
I'm letting you know that I've been wronged and lost trust in your company 's practices. I'm notifying you that I won't extend my credit and won't let you record my information in your company 's database if this information isn't erased. 
Your company 's mistake wrecked my credit and reputation. 
Variously. 
Your company thought that was accurate without consent from me, the consumer, or a competent court. You also failed to investigate this information initially. You assumed this role and trusted this information. Another infraction. You can not assume for me or assume this information is valid. 
You did not verify this information or act fairly. You only heard one side and never asked if I made this transaction. 
This infringed my privacy, which is another offense. 
Before adding this to my report, you never offered me a chance to deny it. 
I will demand reimbursement for the harm your company caused me by disclosing incorrect information and that efforts are taken to prevent future Fair Credit Reporting Act ( 15 USC 1681 ) violations. Please confirm your compliance in writing. 
Again, I'm addressing these demands on my own behalf. NO THIRD PARTY. This is my second chance to meet my demands. 
This attempt will be sent certified. 
As the original creditor, I demand : Account # 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 XXXXXXXX Otherwise, this will cause greater damage.

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 2023-01-20
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:
someone have change my address to different location

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 2022-12-20
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 have tried challenging the 100 % accurate reporting of information being reported by XXXX, experian, and XXXX for an account that reads that the creditor is XXXX XXXX  various times ... ..each time they send letters saying that they are reporting accurate information... how is that so i am looking at my credit report as we speak and can see the inaccuracies... all 3 credit bureaus are violating my consumer rights so i am reaching out to you the cfpb for help .... 

this account is reporting 3 different dates of last payment XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look at XXXX  2 year history they are reporting XX/XX/XXXX as the date of last payment they are reporting XXXX  different dates of last active XXXX  is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX this company is reporting this as a charged off account but never send me a copy of a XXXX as required by law...

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 2021-10-17
Company: ARC Management Group, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Arc management group has reported a paid account to credit reporting companies. I paid the original creditor in XX/XX/2020 and this company has been repeatedly trying to collect per reporting and validating said account to credit reporting agencies. I have sent copies of both insurance reciepts and my personal reciept for my portion for the services rendered, yet this company still is reporting and verifying to all credit bureaus. Please have them cease all collections and remove from all credit reports. I will be adding the reciepts below if allowed also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have no a knowledge of this account according to the FCRA This item must be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
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:
This complaint comes forward as I XXXX XXXX have reached out to Experian numerous times, in this particular case Experian Fraud Dept as they have reviewed my complaint and my dispute towards fraudulent Reporting activities on my credit profile have stated that they were going to update my credit profile however, they have not I have given them a federal affidavit as well as a truth in fact statement towards accounts and inquiries that have been fraudulently placed on my credit profile after a data breach yet to no avail.

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 2023-10-16
Company: EQUIFAX, INC.
State: SC
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:
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 Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$2600.00}

Company response to consumer: Closed with explanation