BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

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 2023-09-12
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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 explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXX  XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXXXX/XX/XXXX Balance : {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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 explanation
Consumer complaint received 2021-09-29
Company: International Computer Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
HSBC has been contacted several times about a jewelry scam from XXXX   XXXX for XXXX the jewelry is fake and was sold to us under false presence also a damaged fake item. I sent several emails to merchants and told him i was going to take to jeweler here and he was begging me not to which is very suspicious and made it seem clear his jewelry was fake. I asked for this to be taken off the charge as we tried reasonably and diligently to have this taken off, XXXX  XXXX  is not a reputable place to due business with and we have made several attempts with HSBC also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX I reported fraudulent charges on my BJ 's Mastercard account. I was told I could only go back 30 days even though it happened beyond that time. I was ok with that as long as I could recover some money back. I got a letter dated XX/XX/XXXX stating that the charges were going to be credited to my account in the amount of {$230.00}. 
I waited until my next month statement to check. Nothing there and I thought possibly that it was just a timing thing. I waited until XXXX, nothing again. I have called Bj 's at least 4 times since requesting an answer as to where my refund is. 

I have the letter, but no one else seems to see it. Can you please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
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: Account status incorrect

Complaint:
I was under covid forbearance with XXXXXXXX XXXX prior to my loan modification being executed on XX/XX/XXXX. My forbearance had ended in XX/XX/XXXX and I missed the XXXX payment. However, I eventually made the payment for XXXX, XXXX, XXXX, and XXXX until the loan modification was signed. XXXX reported my mortgage as delinquent for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX even though I made payment for 3 of those 4 months. Now my credit report shows I was 120 days delinquent on my mortgage and I am getting denied loans and credit lines because of this delinquent record. XXXXXXXX XXXX actions were abusive and unfair and I want them to remove these delinquencies 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 explanation
Consumer complaint received 2021-09-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I took a screenshot of my total loan balance of {$43000.00} shown on my Fedloan Servicing phone app. The interest balance is {$0.00}. 

On XX/XX/XXXX, I logged into my account at Fedloan Servicing 's website ( https : //myfedloan.org/ ) and printed out a Loan Verification letter where shows a list of loans and their balances totaled {$43000.00}, which matched the total balance found on XX/XX/XXXX ( mentioned above ). 

On XX/XX/XXXX, I logged into my Fedloan app and found a total balance of {$43000.00} which does not match the balance above. 

I did not make any payment since XX/XX/XXXX ; all loans were on forbearance due to Covid-19 and the interest rate has been 0 since XX/XX/XXXX. 

On XX/XX/XXXX, I called customer service. XXXX ( employee # XXXX ) answered the phone and stated that she saw the current balance of {$43000.00} and did not know why I saw a different balance before. I showed her the printout letter on XX/XX/XXXX and the screenshot on XX/XX/XXXX. She was still not sure what happened. She stated that the loan balance should remain the same due to Covid-19 Forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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 vears.

15 U.S.C. 1681s-2 ( AX1 ) 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 explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, 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:
I recently checked my credit report to apply for a mortgage loan and I found several errors on it due to identity theft. I contacted the XXXX, XXXX, Equifax and wrote letters challenging the inaccuracies of the fraudulent accounts. All three credit reporting agencies sent me a letter stating that the accounts were verified. However, they did not provide any proof or send me any original documents with my signatures on them verifying that the accounts in fact belonged to me. I also sent out more letters requesting that XXXX   XXXX, and Equifax send me the original documents again and never received the any legible proof. This has been an on going situation for almost 90 days now. I need these issues resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I requested a credit limit increase and was denied because of information from outside sources. When I asked what those were, I was told these things are not disclosed to members. I also address on a recorded call all concerns successfully. Ive never been late nor missed a payment. I am being refused. CREDIT for No reason that was disclosed to me that I couldnt address. I was also told that it was because I was checking rates for loans and credit cards. outside of American Express how could I be denied Credit because I was checking for an opportunity to improve the health of my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Recently, I ask the credit bureaus to do a verification on my credit report. Upon them doing that I received an update that it was completed. After, I went and completed a thrall research myself. However, I found improper inaccuracy on my credit report after they did a thrall research. These items which has not been corrected upon my credit reporting XXXX XXXX XXXX XXXX  For the amount of {$8800.00} XXXX XXXX XXXX XXXX  For me the amount of XXXX XX/XX/XXXX XXXX XXXXXXXX For the amount of XXXX XX/XX/XXXX XXXX XXXX XXXX  For the amount of {$330.00} XX/XX/XXXX XXXX XXXXXXXX XXXX For the amount of {$1000.00} XX/XX/XXXX XXXX XXXXXXXX For the amount of {$1000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting act 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 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 XXXX Account XXXX 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 or consent.

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 2023-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: IL
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:
Company has failed to reply within a 30-day timeframe, and further failed to REMOVE all inaccurate negative reporting, as I have never opened this account, and I believe that my family member has been using my identity, which is why I have a security freeze on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: IL
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2023, I received a credit alert from TransUnion that my score had changed. XXXX drops XXXX points down to a credit score of XXXX. I immediately called TransUnion and discovered from what they told me they had created a new credit file for me that morning and removed all existing accounts. I was transferred to a specialist and advised to give him TransUnion File # XXXX. I was advised then that the did infact see the problem and they would correct it, that the correction would take 3-5 business days. 

On XX/XX/2023 I checked my TransUnion credit score from the TransUnion website and my credit score was still a XXXX. I call TransUnion and was advised that the problem was still there but they had sent me a letter. I asked how did this happen? Why did this happen? And what was the letter about? I was transferred to a specialist and ask the same questions. The specialist advise me that a letter was sent and I would have to prove my date of birth with a copy of my social security card and driver 's license before the problem could be corrected. I continued to question why did this happen and exactly what did happen and why was there a problem? I was told that TransUnion had two credit files on me now and they can not delete the one they created XX/XX/XXXX because they can't be sure that that's not the correct one when my credit history is nearly 30 years old. 

This morning I received the letter from TransUnion and it was a form to fill out and send payment to receive a copy of my credit report. However, the credit file number for this one is XXXX. 

As of this morning, my TransUnion credit file still shows a credit score of 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 2021-07-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My service lender has been over charging me for lender forced escrow insurance payments since close of escrow. I have called and spoke to the representative but issue wasn't resolved. I called back and spoke to a supervisor and I requested a full audit on my loan, and no records were provided. I have uploaded my insurance declaration policy fully paid onto my account. The lender acknowledged receipt and I received 2 letters that states they are removing the escow insurance, but they still continue to over charge me for insurance..they have caused so much anxiety and stress for me as it's taking so much of my time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged 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