BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: MO
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 submitting my complaint for you to take steps or actions to handle my complaint with the wrongdoing of the 3 credit bureaus that seems they never priorities my request to delete the fraudulent items in my credit file. I am very disappointed with this. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information in my account. I have been already told my lawyer regarding this issue. With that, I am asking for your help to remove these items immediately in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In XXXX 2019 we entered into a legally binding agreement with XXXX to begin a Trial Period plan which was required before completing formal loan modification. XXXX provided us with very specific instructions to make three trial payments on specific dates. We were advised we were not to deviate from the plan or the loan modification would be denied. 

The trial period began on XX/XX/2019 where we paid {$4100.00}, with subsequent payments of the same amount on XX/XX/XXXX and XX/XX/XXXX for a total paid of {$12000.00}. We followed their directions exactly as outlined to us and completed the Loan Modification in XXXX  2019. 

After applying for a new mortgage recently we were denied because XXXX reported that we were 120 days late for five consecutive months ( XXXX XX/XX/2019 ). We feel that this is a violation of the Fair Credit Reporting act as we were under a formal agreement with XXXX during those months and were following detailed instructions which included making trial payments. In addition XXXX reported different information to XXXX  than they did to XXXX & TransUnion. They reported that payments were made to XXXX  for XXXX & XX/XX/2019 and reported NR or no report to XXXX  and Transunion. 

I have attached a copy of the trial payment agreement as well as a copy of a court case ruling. 

After doing research on our situation it became clear that many others had the same scenario happen to them. I foun

d one case where a judge with the US Court of Appeals ruled in favor of the borrower that the lender violated the Fair Credit Reporting Act. The 6th Circ
uit rejected the servicers argument that the Home Affordable Modification Program guidelines encouraged, but did not require that they report a TPP. The court acknowledged this distinction but noted that [ r ] eporting that [ a borrower ] was delinquent on his loan payments without reporting the TPP implies a much greater degree of financial irresponsibility than was present here. 

https : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: TX
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 my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit report is showing both a dismissed XXXX  XXXX Bankruptcy and a discharged XXXX  XXXX Bankruptcy. I have disputed these items several times over the last 9 months but the bureaus continue to respond ITEM VERIFIED to the disputes I've submitted. This is extremely confusing to me because the Bankruptcy court respond to my inquiry to them by stating that they do not report or verify any information to or with the credit bureaus. When receiving notification from the credit bureaus that they verified the information electronically via XXXX XXXX I contacted them. They sent me a notice stating that the information was removed and recommended that I contact XXXX, Experian and XXXX to inform them. Nevertheless, with the courts stating that they do not provide any information publicly that includes my social security number or other personal information, I don't understand how the bureaus are claiming that they verified the information. This is a direct violation of the FCRA and must be addressed. These inaccurate and unverifiable public records must be removed from my reports immediately as they are extremely damaging to my file and my well being.

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 2021-11-09
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I had purchased concert tickets from an international friend of mine about two weeks ago, XX/XX/2021. She asked me to transfer the money to her on XXXX, which was {$470.00}, and she would transfer the tickets to me on XXXX. I did so, but she told me she never received the money, and never sent the concert tickets. I tried to get the money back from her and through XXXX, both of which with no luck. I then did some research and learned I could dispute with my bank, Webster Bank, for goods not received. I did so immediately and the amount was credited to my account. I thought all was right, but I received a letter in the mail on XX/XX/2021 saying the bank investigated my dispute and found " no error '', so they would be taking the money back today, XX/XX/2021. I just got of the phone with Webster Bank dispute services, where they told me they were taking the money back and there was nothing I could do about it, essentially that it wasn't their problem. I am extremely frustrated because I am now out almost {$500.00} and the bank that is supposed to help me protect my money, as well as help me get it back in the event of a scam, is doing nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA ( T-MOBILE ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: HI
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:
Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXXXXXX are trying to stall me hoping that I will stop. XXXX.Filed a complaint CFPB complaint -came back verified no action taken by you guys. XXXX  .Filed a complaint with my State attorney General officeXXXX XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXX.Email XXXXXXXX Ceo as last resort before I Sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Problem getting your free annual credit report

Complaint:
I tried to get free annual credit report via XXXX XXXX XXXXXXXX. However after several trials ( via web and phone XXXX XXXX ) and to contact customer service. There was no any success to receive either credit report or help on matter. Therefore it seems that Trans Union practices to provide required services are questionable and need further investigation by proper authorities.

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 2023-06-27
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I did a wire transfer of {$99000.00} and on XX/XX/2022, I did another wire transfer of {$11000.00} to XXXX XXXX XXXX XXXX XXXX XXXX in Account with XXXX  XXXX XXXX. The Chase staff that handled the transfer excluded " XXXX XXXX '' from the Beneficiary 's name. I immediately complained she told me that the system could not take more names and assured me that the Beneficiary will be credited. 
The XXXX  XXXX XXXX refused to credit the Beneficiary because of incomplete names. Up till now, the beneficiary has not been credited and all attempts to get Chase Bank correct it failed. 
I went to Chase Bank XXXX XXXX XXXX and XXXX where Idid the transaction but they rather referred me to their ONLINE TEAM. The online team still couldn'thelp. 
I asked for the refund of the fund back to my account. This they have failed to do. 
This has negatively affected my business. 
Please prevail on them to immediately credit my account without further delay. 
. 
Many thanks. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
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:
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 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
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: MI
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 five collection accounts on my credit report by three companies called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The two collections from XXXX XXXX XXXX are for {$770.00} and {$540.00}. The two collection accounts from XXXX XXXX XXXX are for {$580.00} and {$490.00}. The one collection from XXXX XXXX XXXX is for {$350.00}. All of these accounts are fraudulent reports for alleged debts that have never been validated and the company never sent me a notice of debt or a chance to even validate the debt. XXXX XXXX XXXX and XXXX XXXX XXXX responded to my complaint on CFPB showing that I was correct, and they notified all three credit bureaus to tell them to remove the collections from my credit report due to the violation. XXXX has started to remove the accounts from my credit report but failed to remove two of the erroneous and fraudulent collections. Experian and XXXX have failed to remove the collections or properly investigate the situation in regard to my FCRA rights. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their reports and scores are so different than each other.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.

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 2021-05-11
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: Their investigation did not fix an error on your report

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, Tower Loan, calls continuously. XXXX XXXX XXXX has accepted this account for {$3100.00}. XXXX told me to change my information to their contact information and ignore the phone calls ; however, when I did this, Tower Loan left a voicemail stating that " They do not work with debt recovery agencies, and if payment is not received, you will be sued. '' On XX/XX/2023, they showed up at my home and left a statement in an unstamped envelope at my door. The calls are excessive, but XXXX said to continue to ignore them. I was advised by someone local to submit this report to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-05-11
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told by XXXX XXXXXXXX XXXX on XX/XX/XXXX that I had Key factors that adversely affected your credit XXXX length of credit history. 
I owned a home from XXXX to XXXX and then another home from XXXX to now, XXXX. How that that be construed has insufficient length of credit history?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My Name is XXXX XXXX XXXX, I work for the XXXX XXXX XXXX XXXX XXXX. I have been XXXX to XXXX, XXXX, XXXX, XXXX, and XXXX XXXX since 2019. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has violated my rights. I have never had an account with this company. 

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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