BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NY
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:
ive sent experian these letters for these inaccurate infomation on my report and they havent deletd accounts for violating 15 U.S. Code 1681b - permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud!!!!!! 

XXXX XXXX XXXX Account number # XXXX XXXX. 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 explanation
Consumer complaint received 2021-12-21
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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: Bread Financial Holdings, Inc.
State: CA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I just got my report and i think its wrong! I was told i have a right to have aninvestigation done, creditreporting 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 fallowing information, therefore, needs to be reinvested. Please make sure everything pertaining to my credit report is corrct. 

Please provide me with the fallowing items. 
pay off disclosure intrest rate disclosure Balance history payment history credit insurance Accounts XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
While attempting to refinance my home, my credit report was pulled and I realized there are multiple inquiries on my report that I do not recognize nor did I give my permission to obtain. This includes inquiries from around the time I refinanced after my mortgage company advised they would be the only one to submit a request for my report and I also see past situations where I was told my credit would only be ran ONCE and that was not the case.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX on 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 2022-06-12
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Credit Management Inc. filed a lawsuit in Arkansas against me. Even though the case was in court and they were represented by an attorney, they continued to have an offshore call center attempt to collect the debt. 

After they dismissed the lawsuit, they continued to report the debt to the credit bureaus. 

Despite knowing that I dispute the charges, and without having any information about said charges, they continue to assert the debt is valid and continue to refuse to investigate dispute I placed with the three credit bureaus.

Midland Credit Management is quite aware that the charges are not valid, that I did not authorize most of them, and that I am owed a refund on the account for amounts I overpaid XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NJ
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: AG AH LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage servicer Arc Home Loans refuses to provide flex modification for this loan, instead trying to foreclose my primary residence where I live with my wife and 4 children. In addition they kept reporting me to credit report agencies as delinquent, while I was actively trying to work through the mitigation process. 

Background. This loan went into forbearance in XX/XX/2020 because of Covid-19. 
After finishing forbearance this year and some payment difficulty, I have tried to apply for XXXX XXXX as well as ask for Flex modification from Arc Home Loans. According to law and FNM guidelines, all accounts exiting COVID forbearance should be offered Flex modification especially if/when requested by client. Instead the servicer refused to offer flex modification without any explanation. ( see on e-mail XX/XX/XXXX XXXX ) When I tried to call the servicer to discuss loss mitigation options, calls were consistently put on hold for more than an hour until I had to disconnect. This happened at least 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 informed Transunion several times about these fraud inquires but they did not delete them. I am requesting again that this information is deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: IL
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:
XXXX and Equifax continue to report this alleged bankruptcy with no validation or verification from the court. I called the clerk of court and they stated they release no such records to any outside party to the filing or legal counsel. I keep asking for verification of this alleged bankruptcy and no such proof exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. Identity Theft XXXX Account Number : XXXXXXXX Please remove it from my credit report.

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely, 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 2023-06-24
Company: EQUIFAX, INC.
State: CT
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not helped with getting it back up and going.I am not sure if this is some mistake as assume it has to be. I have not been able to get help from them for months but i just remembered I could file the report on here as i feel they are not doing thier job properly and it is affecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: FL
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: Personal information incorrect

Complaint:
I am writing to dispute the inaccurate personal information that appears on my credit report. According to my records, [ XXXXEquifax ] has reported my name, DOB and employment information incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My complaint has everything to do with Experian.com. Unfortunately, I do not have any dates ( over 4 to 6 months ) of me attempting many times to gain access and or verify my identification for them. 
The issue began when I was attempting to refinance my car as well as acquire a personal loan. Well, when the bank institutions needed to see all 3 credit bureau files, only 2 of them complied. I was told that Experian was not cooperating as if I placed a credit freeze on my account ( which I had not ). 
So, this problem began when I attempted to gain access to my own credit report with Experian. From what I gathered, Experian has had several data breaches over the years which forced them to tighten their security. Unfortunately, these breaches have made it impossible for me to gain access as well. I tried several times on my cell phone to create an account along with a password. Then, I needed to upload my identification. Immediately, afterward, I get an error message stating, " try back later '' or " system is down ''. I tried at least over 10 times to no avail. I called probably more than 20 times to Experian for assistance. However, the automated phone system doesn't give you the option to speak to a representative because it asks you ( the consumer ) limited questions that don't describe the problem. 
After about the 14 calls to Experian, somehow a representative took my call. This representative had language barriers. It was obvious she was from an XXXX country based upon her accent. Apparently, I challenged the REP because she had to place me on hold to seek more information from a supervisor to assist me. 
The REP stated, they were going to delete my account and that I create a brand new account using a desktop or laptop computer rather than my cell phone through XXXX XXXX browser. Of course, I wanted to attempt these instructions while I had the REP on the phone. Unfortunately, I was told, I could not attempt until 2 or 3 days later ( I'm guessing the system needed to reset my account ). 
After 3 days, I attempted to follow the instructions and the system stated, " error, try back later '' or " system is down '' all over again. Of course, I was going crazy because all I wanted is to give the banks authorization to access my Experian Credit Report. I don't really need to see my report. This has to be one of the most frustrating problems I have ever encountered.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX  XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXXXXXXREPORTED AS COLLECTION UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.BANK OF XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX -ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID. 


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 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 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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, 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:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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 2023-05-19
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea where this I.C. Systems debt come from and I tried to get them to delete it off my credit report and it wont delete.

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 2023-01-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint No. 2 Wells Fargo Mortgage On XX/XX/2023 around XXXX Wells Fargo sent XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to put a Vacant Note on my property. 

I talked to him, and he said that he was instructed even though he knew I still live here, and he proceeded to leave a vacant noticed and took a picture of his job done. 

I feel harassed and I would like to know the meaning behind that.

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