BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Sterling Infosystems Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is at this point I can not get a copy of my report, even though it was requested. The report was completed today XX/XX/2023 ( which I don't understand how because I just completed the drug screening yesterday and that is supposed to be in the report as well. ) When I log into the XXXX XXXX, the background report is there. When I click on it says " retrieval error, '' and does not open- so I have no access to the report. 

Now prior to this, XXXX did not send me the information for the background check or the drug screen after I was pushed through by the company to move forward. 
I reached out to the company and was told I did not respond to their email and they have confirmation they sent the email. I advised the XXXX that is incorrect. I had to call Sterling several times ( about XXXX or so ), Sterling even told me that the person at XXXX probably did not know the correct info or didn't know where to look or something to that effect- not exact words, so I told the XXXX and she says she does have access and they told them I did not respond. When I called back, the XXXX rep said they had not received anything from the company I applied with for me to have a background check or drug screen which is because they probably made an error in registering me. So the company XXXX told me to call the hotline for help with their company and I left a message, but I called XXXX back. I received a voicemail ( which was transcribed in my phone ) from XXXX admitting they did not send it because she could not find it in the system that they sent it. They need to tell the company I applied with they made this horrible mistake because I could have lost out on this position due to their errors and it makes me look distrustful. 

Currently, where I am, I can not get a copy of my background report and no one there is telling me why it gives me a retrieval error. I called and talked to about XXXX people and then I asked XXXX for a supervisor and he transferred me to someone I spoke to earlier, XXXX, and he was not a supervisor. I don't appreciate this. I am currently waiting for XXXX whom I was told is a supervisor. XXXX transferred me to XXXX, who told me I should get the report today even though I told him the email said XXXX hours. XXXX said the drug screen was on it as well. 
At this point I am waiting to see the background so that I can make sure there were no other mistakes made.

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 2022-08-08
Company: EQUIFAX, INC.
State: OH
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 XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
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 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
Was hacked on XXXX XXXX. When I caught on to the man on phone I hung up and called the XXXX number on back of card. The money was put back in by Wells Fargo for amount of XXXX. The next month visa came back and took out {$500.00} and then another {$100.00}. They said I approved these charges.

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 2022-10-14
Company: Experian Information Solutions Inc.
State: TN
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:
I sent the CEO XXXX XXXX an email requesting that.they remove incorrect information credit report. There is an address that is on my credit report that I have never lived at. XXXX XXXX XXXX XXXX XXXX TN. XXXX. Previously Experian failed to investigate and offer a legitimate reason for not removing this address from my credit report. Please see the attached documents

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 2020-11-10
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 50 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 50 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have filed numerous complaints with TransUnion, both directly and through CFPB, and have not received one response. 

That said, I just received this on their site : " INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Original Creditor ; Payment Received. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX '' I HAVE NO IDEA WHAT THIS MEANS and their comment ( above ) " Original Creditor ; Payment Received, '' is nonsense. I don't even know who the original creditor was!!! 

I'm filing this, again on the advice of my attorney, through CFPB rather than with Transunion. 

It would be great if someone at CFPB would read my complaints and intervene.

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 2021-03-09
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to the fair reporting act everything must be reported 100 % accurate to the credit bureau. the credit bureau stated that my account was properly investigated. Based on the recent credit reporting my the date of last activity, last report date, open date and last payment date is incorrect. account number 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 2023-06-28
Company: Experian Information Solutions 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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2021-06-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had tried opening an account with XXXX XXXX XXXX at the beginning of the 2021 year, but was denied because ChexSystems. I had a previous opened account with XXXX XXXX XXXXXXXX and my account was closed immediately, in suspicion of fraud that was not presented by me. I had reached out to XXXX XXXX  XXXX at the time to recover this however they were not willing to help me out whatsoever. I am a victim of fraud but can not gain any help. I called Chexsystems and I gave my personal information and at the very end of the long call I was told I should receive my personal report. But after more than 3 months, I have not received anything at all. I then go to the ChexSystems official site and I fill out the form to request my report, I've done this various of times, and like usual I am directed to a page saying, Error : A security quiz based on the information you provided could not be generated. Please contact ChexSystems to submit your request using another method, '' after submitting my report more than once on different days. This is very unsettling as I have tried requesting my report several times.

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 2019-03-21
Company: AMERICAN EXPRESS COMPANY
State: MI
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 IS IN REFERENCE TO THE AMERICAN EXPRESS ACCOUNT WITH THE ACCOUNT # XXXX THAT WAS OPENED ON XX/XX/XXXX AND LAST UPDATED ON XX/XX/XXXX. THE LEGEND REVEALS THAT THE ACCOUNT IS CURRENT AND PAID AS AGREED ALL THRU XXXX AND THERE WAS NO DATA FROM XXXX - XXXX PRESUMABLY BECAUSE THE ACCOUNT HAD A XXXX BALANCE AND DID NOT REQUIRE A PAYMENT. HOWEVER, THE PAYMENT HISTORY INDICATOR CHANGED ON XX/XX/XXXX TO REFLECT A CHARGE OFF OF USD XXXX THAT IS UNKNOWN WHETHER THESE ARE FRAUDULENT CHARGES MADE AFTER I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT AND THE COURT APPOINTED CONSERVATOR XXXX XXXX TOOK OVER AND MADE THOSE CHARGES OR WHETHER THEY ARE DUE TO ANNUAL FEES AND INCIDENTAL CHARGES THAT ARE ASSOCIATED WITH MAINTAINING THE ACCOUNT. FROM MY UNDERSTANDING, XXXX XXXX TOLD ME ALL MY CREDIT CARD ACCOUNTS WERE CLOSED BY HIM. I SPOKE TO AMERICAN EXPRESS AND ADVISED THAT MY CAR CONTAINING ID AND CREDIT CARDS WAS AUCTIONED OFF OVER THE PHONE IN XXXX AND WAS TOLD THAT I WOULD NOT BE LIABLE FOR ANY FRAUDULENT CHARGES OR CHARGES THAT I DID NOT MAKE. IT IS THEN A HUGE SURPRISE TO SEE THIS ACCOUNT SHOW UP ON MY CREDIT REPORT ESPECIALLY SINCE I WAS NOT IN THE USA TO USE MY AMERICAN EXPRESS CARD THAT WAS CANCELLED BETWEEN XXXX - XXXX. 

PLEASE REMOVE THIS INACCURATE ACCOUNT HISTORY THAT IS POTENTIALLY NEGATIVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX -XXXX- XXXX-XXXX -XXXX- XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that 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 2022-05-04
Company: EQUIFAX, INC.
State: GA
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:
In XXXX, I originally had XXXX student loans that were part of the federal student loan program. Unbeknown to me, at some point, Congress privatized my loans, and they were taken over by XXXX. After recently checking my credit report, I discovered XXXX 90-day late payment for XX/XX/XXXX, but the payment for all the months prior reflected as current. I was under the impression that these loans were automatically included in the provisions to have student loan payments paused under the CARES Act. After speaking with two different XXXXXXXX  customer service representatives on XXXX, I was informed that these two loans were not covered under the CARES Act, and instead, they had been put into suspension under a Student Debt Burden Forbearance. I was also informed that this forbearance was back dated to cover whatever 90-day late payment listed on my credit reports, as if it was never late. Both customer service representatives refused to removed the inaccurate 90 day late payment from my credit report, even by reflection of what they reported, there was no 90 day late payment. This negative 90 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. My provisions and protections under the CARES Act have been violated. After the unwillingness of XXXX to comply, I also disputed this information directly with the credit bureaus, and XXXX was said to have verified and updated the information, but the one late payment remains. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, XXXX. XXXX XXXX. XXXX ( XXXX. XXXX, XXXX ), at section XXXX, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to XXXX XXXX. XXXX ( a ) ( XXXX ). This new FCRA subparagraph provides protections only if a creditor approves a consumer for an accommodation. An accommodation is an agreement for a forbearance, a payment deferral, a partial payment agreement, a loan modification, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID-19 ) pandemic during the covered period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ). 

I was accommodated when the payments were put in its deferred status, and XXXX did not delete the negative mark from my credit report. They only commented that the payments are deferred until XX/XX/XXXX. I demand that XXXX remove the 90 late payment mark from XX/XX/XXXX, and show it as " ok '' and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I was notified of a " 120 day late mortgage payment '' on my credit report. I thought this was strange because we were actively in mortgage forbearance through our mortgage company as well as being under the Covid clause per the government. Now I understand that this was lifted however, I was told by multiple different agents that the company had not been reporting for months. I immediately sent our mortgage company an email as well as a phone call trying to make sense of this. We also had made a payment in XXXX and XXXX so I wasn't sure why this was being marked 120 days past due. Understandably, I thought it was from covid but I pulled the credit report and nothing was reported during that time frame. They sent me a first class letter saying it was accurate -- that was it. Nothing in detail and it seemed to be very looked over.

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 2021-07-27
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:
According to my most recent credit report, inaccurate inquiries are currently reporting to the three credit bureaus that I applied for credit with those organizations listed below. I did not grant any authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

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 2021-06-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
According t

o 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any
debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft.

Company response to consumer: Closed with explanation