BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a dispute letter to Equifax on XX/XX/2022 asking to provide my signature authorizing these inquires. Never heard anything. yesterday I disputed online with Equifax only to receive an email this morning stating that they have all been verified. The credit bureau was closed yesterday as well as all the businesses that I inquired about. Impossible to verify. I call the bureau this morning, supervisor stated that they never received my letter, and that I must call each and every one of those companies that reported to the bureau. I currently have a job with no time to do that. I'm under the impression that was their job as they are the entity that placed this information on my report. Extremely frustrated!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CCS Financial Services, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Contacted company on XX/XX/2023 about violations of my consumer rights Im accordance with the Fair Credit Reporting act reporting agencies 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 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company has no reason to pull my credit report in order to apply executive actions - You misused my report in XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: AES/PHEAA
State: OH
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:
I do know who this bank is aes/XXXX, I have never received an bill from them, I have never received a call from them, before you start reporting anything negative on one credit report, they must receive a bill and I have never received a bill from these guys. they are reporting me 60 days late on my credit report, who does this? this has caused my credit score to go down -135. also I was enrolled in school 2018 at ohio XXXX school full time and just graduated XX/XX/2018. when you are enrolled in school full time, loans to my understanding goes into some type of deferrement ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 attached DISPUTE LETTER and ID Theft report serves as my formal complaint to this credit reporting agency, because you are reporting inaccurate credit account information within my credit report. I recently submitted a request for investigation of the below listed accounts, in which you have refused to investigate. I submitted more than enough information for you to conduct your investigation of the below listed accounts. However, your agency has refused to investigate these accounts thoroughly enough the last time that I submitted my disputes to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX is currently reporting the account thats reporting to my credit report in violation. On XX/XX/XXXX I notified the credit bureau 's that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/XXXX ( XXXX  XXXX. I then directly contacted the furnisher on XX/XX/XXXX to let them know about the inaccurate date of last activity which they did not delete or correct the information. On XX/XX/XXXX I then notified the credit bureau 's that the date of last payment is reporting inaccurately it ' reporting : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( XXXX XXXX. I also notified the furnisher directly on XX/XX/XXXX of the inaccuracy that remains on my report inaccurately reporting. I also filed a XXXX  complaint on XX/XX/XXXX which still remains unanswered. Last but not least the account is reporting conflicting activity after the account has closed how can I be paid on time and charged off at the same time? Clearly this account is reporting inaccurately.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote XXXX XXXX requesting validation of this alleged debt on ( XX/XX/2023 ) As of today, the company only response was debt was verified. It has been 60 days. This company have failed to supply the demanded proof of the alleged debt, I want to note that under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following informati

on : 5. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 6. What is your authorization of law for your collection of information? 7. What is your authorization of law for you collection of this alleged debt? 8. Please send evidence your authorization to do busi
ness or operate in the state of ( Michigan ) 9. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Best Regards, 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 2023-03-24
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
You must remove this account Immediately. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2023-08-29
Company: EQUIFAX, INC.
State: NV
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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
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 dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial Services Attention : Qualified Written Requests XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Qualified Written Request - Notice of Error or Information Request BSI Financial Services ran a new escrow analysis and they are escrowing for the home policy twice once listed as home and once listed as wind. Therefore my mortgage payment went from {$2100.00} to {$2500.00}. My Homeowners insurance agent spent several hours trying to explain to them their error. They have not corrected the error and they keep calling to collect the {$2500.00} they are also sending me written notices for late payments and 45 days late notice. They insist I have to pay the XXXX in full or I will be in default. I made the payment today XX/XX/2022 in the amount of {$2500.00} even though that amount is incorrect. I have XXXX children and I am afraid of the negative consequences this may have on our lives and credit. I have discussed this not only with the customer service agents at BSI Financial on several occasions and they can not and will not provide me a written explanation. My Homeowners insurance company has e-mailed them my complete homeowner package which provides ALL necessary coverage on two separate occasions and My agent has spoken to them on a conference call with me several times. I have included a copy of the escrow analysis where you can clearly see the double amount. and the 2 monthly statement with the increase of {$380.00} which I should not be paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Leopold & Associates, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Responses to several Complaints to the CFPB about the Standing of XXXX XXXX ( XXXX ) in a court case Index XXXX in Supreme Court, XXXX County, NY have consistently responded we are not the party of interest, which translates into we are not the plaintiff in the case. 

On XX/XX/2017, the Department of Justice ( DOJ ) announced that they had found XXXX guilty of fraud against homeowners and investors in foreclosure cases similar to ours. On XX/XX/2017, XXXX allegedly filed the present case, Index XXXX, which is almost 6 months after XXXX lost their Standing. 

The discrepancy we are pointing out is that XXXX is listed as the plaintiff in Index XXXX despite having been found guilty in those foreclosure cases and having lost their Standing in our case. The logical conclusion to be drawn from this situation is that someone else besides XXXX has listed them as plaintiff. 

The only other parties involved in our case are the two law firms that have appeared as Attorney of Record, Leopold & Associates first and presently XXXX XXXX XXXX. As a defendant in the case, I have asked the question of XXXX XXXX, Despite pointing out to you that XXXX lost their Standing by the DOJ as far as appearing in foreclosure cases, you, XXXX XXXX, has ignored our question over the past two weeks, Who is the plaintiff in our case? 

We are asking this question of both Leopold and XXXX XXXX. Here are their addresses : Leopold & Associates : XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$11000.00}.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: NV
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:
Name Address : XXXX XXXX XXXX  XXXX, NY XXXX Date : XX/XX/2023 I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove ti from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer reports and notice that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates 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

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