BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX 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

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 2022-02-28
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid my mortgage on time since I purchased my home in XX/XX/XXXX. In XXXX I switched homeowners and was given a refund check for approximately XXXX from insurance co. I then called Lakeview Loan servicing insurance dept to find out how to get the refund check to them. I submitted check as directed. I continued to pay my mortgage and in XXXX XX/XX/XXXX received a statement that I was past due with a late fee. I had paid my mortgage on time for XXXX as usual. I attempted to call and was sent to automated system with no way to speak to a live representative. I continued to XXXX numbers and after several attempts and hours on hold I got someone in the insurance dept. the person told me they had not allocated the check that I submitted properly and then we Deere disconnected. I tried tirelessly to contact them waiting on hold for several hours without success. I then received a foreclosure packet. There was the same number that you can not get a live person. I emailed explaining I had paid my mortgage and even submitted photos of it coming out of my account with no reply. I finally called on XX/XX/XXXX and pushed the button that said refinance as I knew someone would promptly answer they connected me to the proper department. At this point I had 2 late fees and it has been reported to the credit bereau. The women I spoke to said she could see something was wrong and admitted my payments were there but there was nothing she could do but open a ticket she advised me to not pay XXXX! They are taking my money and giving me bad credit I am helpless and they are not willing to help!!!

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 2022-09-25
Company: Millco Management
State: NJ
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 a medical collection from Amerifiancial solutions for {$630.00} on my experian and XXXX report. I havent been to a medical provider in over 20 years. I disputed it 3 times and still there. Also I contacted collection company and asked for a bill in my name that led to collection and never received anything

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
loans forgiven, yet there still showing as reported XXXX ... TRANSUNION will not remove, keeps ne at lower score and negative

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 2021-05-26
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:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit

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 2021-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Two fraud charges made on a Bank of America credit card were initially reversed and then later charged back to me by the bank. The two fraudulent charges were made onXX/XX/XXXXfor the amounts of {$270.00} and XXXX. When the fraudulent charges were discovered by me, Bank of America was called immediately and the card was deactivated. Bank of America never did their due diligence to notify me of the unusually large amounts charged to my account and never protected my account. Subsequently, I have made two phone calls to the bank 's fraud department on XX/XX/XXXXand XX/XX/XXXX re-stating my case of fraudulent activity. To date, no action by Bank of America has been taken to reverse the fraudulent charges. This impacts my ability to use the card since my maximum limit is {$800.00} and impacts my credit score for having a high percentage of card utilization for fraudulent 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 2023-11-17
Company: Experian Information Solutions Inc.
State: MS
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 reviewed my credit report and noticed some credit inquires and accounts that do not belong to me! I have filed an Identity Theft Report with Fair Trade Commission for the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX account # XXXX, has violated my rights. 

In addition, accordance with the Fair Credit Reporting Act XXXX 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 : also states consumer reporting agency can not furnish a 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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
YOU BROKE THE LAW!!! 

Dear Transunion, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing mental anguish and deep XXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story.You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible. 
Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you were not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 


ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : 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 2023-11-17
Company: Experian Information Solutions Inc.
State: FL
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX******************* XXXX XXXXXXXX XXXX XXXX FUNDING XXXX

Company response to consumer: In progress
Consumer complaint received 2021-06-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I posted a graded sport card lot on XXXX on Wednesday, XX/XX/2021, and XXXX happened to messaged me about the cards. He said that if the cards were still available and I said yes. After that, he wanted me to text him through his phone number so he can negotiate a deal for me. First, XXXX was asking me what's my final asking price for the trading cards, and I said {$500.00}. Keep in mind that the trading cards that I sold to him were worth {$200.00} total. So, XXXX " agreed '' to do {$500.00}. However, I received this email from XXXX and they showed me the confirmation of XXXX sending me {$500.00} plus {$50.00} for the shipping so I can send the trading cards to him. I assumed that the email was from PayPal because it had a PayPal logo and they formatted the receipt on the email just like PayPal. The next day, I went to a XXXX store to ship out the trading cards and XXXX wanted me to ship it out Next Day Air. The shipping cost me {$58.00} and I gave XXXX the tracking number of the package because he wanted me to give him that as well. The next day, the email, XXXX, told me that if the funds of {$550.00} were to be transferred to my PayPal account, I have to sent pictures of me buying {$500.00} worth of XXXX cards. I did that and then I received another email from them saying that " apparently, the buyer sent another {$500.00} by mistake, so in order to get my funds, I have to sent pictures of me buying another {$500.00} worth of XXXX cards. And now, the package is already sent to him, so I can't get back the trading cards and my money back on the shipping. I also lost another {$500.00} because I bought XXXX gift cards with them, and I can not return them to the store that I bought it from because all sales are final. I also can't use the XXXX gift cards myself because I tried to test it out buying an item on XXXX in case XXXX may have used all of the money on those gift cards, and it turns out there is no money left on the cards. I am really mad and frustrated about this situation, so if you guys can help me out, that would be great. In total, I lost {$750.00} from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: OK
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:
There are multiple hard inquiries reported on my credit report. On my XXXX credit report, the following are unauthorized hard inquiries ; on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry ON XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also on XX/XX/XXXX XXXX XXXX. 
On my Equifax credit report, there is a hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I did not recognize any of these. I called the companies on my XXXX, Equifax and XXXX XXXX report to request a deletion letter on XX/XX/XXXX, They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
A servicing company is trying to use a foreclosure mill law firm in Texas to foreclose upon my home when they ( the Servicing Company ) do not have any legal standing in my case. I have rescinded the loan under TILA and they are still proceeding with a foreclosure on a deed of trust that is now void. A notice of sale was recorded, and there is a pending sale on my house for XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credence Resource Management LLC Ive sent in debt validation letters and also everytime they have called my phone i have asked for debt validation i never receive the validation of debt but somehow i receive several notices in the mail about this debt they are bypassing the fact i have asked for a validation of debt from the original creditor, Ive constantly asked to VALIDATE the debts NOT VERIFY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have filed 3 different disputes with my bank ( Chime ) for unauthorized transactions on my account and I got denied each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: WI
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:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Experian is reporting XXXX inaccurate late payments for the XXXXXXXX XXXX XXXX  property with account number XXXX. This includes late payment XXXX  days from XXXX XXXX XXXX days late payment from XXXX XXXX XXXX  days late payment form XXXX XXXX XXXX days late payment from XXXX, XXXX, and XX/XX/XXXX, to include XXXX  days late payment from XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. This is a " TIME SHARE '' XXXX XXXX XXXX. We are in litigation to end the time share agreement. Because of XXXX, we were not allowed to use the property. We started legal action to end the TIME SHARE. XXXX XXXX XXXX stopped taking payment from XXXX, we did not stop payment to them. Furthermore, pursuant to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in Experian violating my Federally protected consumer rights. To add to this, I did not give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, thus violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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 2023-02-02
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:
This is my second attempt to get credit agencies to comply before legal action is taken for violation of my consumer rights. I will be seeking {$1000.00} in damges per violation. 

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

Account name : XXXX XXXX XXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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