BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: AL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX i called chase and informed them tht a deposit was made on my account two checks for XXXX each that i didnt deposit i also informed them that someone attempted to take XXXX out of the account because of an alert i received. They immediately turned my debit card off i was told to go in and see a banker with my social security card and ID which i did it was friday XXXX XXXX. i waited until XXXX XXXX called again i wastd the banker didnt put my information into the system to go back which i did in XX/XX/XXXX, the banker put my information into the system this time as a verification i sid all that continued calling only to be told my account was being closed no explanation i reported the fraud went in to verify my identity and was punished for it like a criminal no explanation my online was cut off they talked to me very nasty and short i dont want a negative mark on my name especially when i did the right thing i didnt withdraw any money i reported it and nothing was done at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They keep telling me these accounts have been verified true but they havent provided a wet signature or any contractual agreements this is defamation yo my character and is causing a lot of financial problems like trying to buy a home and I cant because of inaccuracies

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 2021-12-14
Company: EQUIFAX, INC.
State: LA
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:
Good day! I am XXXX XXXX and I have been sending letters to report accounts on my credit report that are inaccurate. Also the inquiries that I am not aware of is giving me a hard time. I have been sending letters to verify these and I received no response but yet it is still in my credit report and it is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX, SCREENING REPORTS ARE FICTISCIOUS COLLECTION AGENCIES FOR IMPACT REC ALLOWED VIA EQUIFAX. THEY HAVE A SAM GOINGG. THEY ARE DECEPTIVE BUSNESS PRACTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found out when checking my credit report ( XXXX XXXX ) a debt from transworld was reflected on such, no one called me, never received a letter from anyone ..Ive contacted the agency ( trans world ) to get a copy of my debt with them over 2 months ago I hired a company ( XXXX XXXX ) worthless, I told them Ill need to validate my debt if I owe them money Ill pay every penny..yet they told me they dont how long it will take to receive documents..its been over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 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
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: OH
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-08-16
Company: Experian Information Solutions 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:
Recently, i requested an investigation from all three bureaus of my credit report, and they all said the accounts were verified and 100 % accurate. So I ordered my credit report and found alot of inaccurate, mis dated, invalidated, unverifable and questionable items that your agency didnt make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit bureaus reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681 ( 7 ) method of verification- Description of reinvestigated procedure

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 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
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 am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
Shellpoint verified on XX/XX/2022 they have fixed a credit reporting error causing a commercial mortgage loan to report to my personal credit bureau. Shellpoint confirmed the error and submitted corrections to the agencies. The error was finally fix in XX/XX/2022 until the mortgage was sold in XX/XX/2022 to XXXX XXXX XXXX ( XXXX ). Now XXXX is reporting a commercial mortgage on my personal credit bureaus again. This is a commercial loan that Shellpoint agreed in loan documents, in emails, and credit dispute documents this is a reporting error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Block, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I received a text message indicating I was receiving a deposit to my Cash app account. I logged into my account and no such deposit was pending. I thought an unauthorized party was attempting to access my account, so I changed the PIN on the account. I immediately received confirmation of my PIN change from the same number that notified me of the incoming deposit. This leads me to believe that the number from which the alert was sent is a legitimate number, however, there is a privacy issue somewhere. 

I contacted the company who then advised some other customer had probably mis-typed my phone number by accident, and that my only recourse was to wait for that customer to realize the mistake and correct it. Not only are the alerts alarming, but they violate privacy of both myself and the other account holder. After several minutes of trying to explain why this is a serious security breach and waiting is not an acceptable resolution, I asked for a supervisor. 

The supervisor informed me it is not possible for XXXX phone number to be associated with XXXX accounts, and then advised that I should educate myself on phishing attempts and act accordingly. I again provided screen shots that showed the same number was providing the alerts from my account, as well as alerts from another account, but the supervisor disconnected me without providing a solution. 

I again contacted the company explaining this serious breach of privacy and security. The support team advised me to toggle the notifications off, then on again. I did this suggested action as well as uninstalled and re-installed the app, then toggled the notifications off/on again, to no avail. I continue to receive notifications from another customer 's account. 

I contacted the support team again, and they suggested I simply opt out of account notifications. I pointed out that this would then deprive me of any notification where an unauthorized party was trying to access my account, but no further solutions have been provided. 

I continue to be extremely concerned that this company is wholly unconcerned with the security and privacy of its customers/account holders. I also am still receiving notifications from the other account ( not mine ), even now. This violation of privacy and security needs to be addressed, as we are talking about not only currency, but the potential for hacking into banking accounts that are linked to these accounts in the app! The security of my funds is critically at risk, and it is vital that we review the policies and procedures of this company, and ensure the privacy and security of account holders is more conscientiously guarded and protected!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Early Warning Services, LLC
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: Account information incorrect

Complaint:
I had an account with XXXX  XXXX XXXX and was closed on XX/XX/XXXX, told banking not done as per banking terms. My account number was XXXX. I recently got my banking credit report from EWS and it stated checking account fraud.. which has really made my life a living XXXX by the BoA as I have not done any unlawful activity and I am a victim for fraud without getting any information from me by the Bank. Bank reported all the outgoing ACH as fraudulent on my report. I contacted the risk management department and no one was able to tell me the details of the transactions as fraud and how come all the transactions from XX/XX/XXXX be fraudulent for approximately three years?? 

Please help me to resolve this matter at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate items in my file. 
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 2023-09-29
Company: EQUIFAX, INC.
State: MN
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

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 explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am filing this complaint against Experian for refusing to provide me with the membership benefits such as daily Experian and monthly XXXX and XXXX credit scores as advertised.

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 2021-02-14
Company: RESMAC, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased bt RESMAC from XXXX XXXX on XXXX. I was given notification at the end of XXXX, XXXX  by XXXX XXXX. I made my XXXX mortgage payment electronically to XXXX on XX/XX/XXXX as I had not received any documents from RESMAC. 
I spoke to XXXX XXXX, teh owner of RESMAC on XX/XX/XXXX on his personal cellphone and told him of my paymanet and informed him that I had not received any documents from RESMAC including where to pay, how to pay electronically, verification of current balance, escrow amount. He stated not to worry that he would take care of it. He also stated not to worry " I won't charge you a late fee ''. I stated " please don't insult my intelligence, you can not charge one nor report to the credit bureas for 60 days by law ''. I told hime that I wanted to pay on time and i was concerned about the competency of RESMAC to make this happen and maintain my XXXX credit score. 
I went on the RESMAC website that states " one-time ACH payment for new loans ''. It asks for a RESMAC loan number which I did not have. 
I spoke with XXXX XXXX again on his personal cell phone on Monday XXXX and told him that i could not pay online as I did not have a loan number. I also stated that I still did not have any loan docs with amounts on them. He told me that he would have this corrected by the end of the day and would send me an email. I did not receive an email and all of my calls, texts and email to his specific email address on Tuesday, XXXX went unanswered. This was the same issue on Friday, XXXX. I am attacing several email and text threads supporting this as well as his statement saying this loan is unique and he is having issues with it in his system. Not my issue but my credit. I spoke with someone named XXXX on Friday, XXXX at approximately XXXX. She could not find my loan in the RESMAC system. I told her to call XXXX XXXX immediately. She did and called me back. She stated that my loan was'nt in the system properly so there is not visibility to it. She had told me the loan was due in XXXX. I had told her that I was current with the prior servicing company through XXXX and have NEVER been late. She stated that I was not due until XXXX. I told her that this was incorrect. I told her that I would pay by check over the phone agains my better judgement and deal with any tranferring balance issues later. She said ok. I asked her what my principle balance was and she said that she did not know. She asked for my routing # and I asked her how much the check was going to be for and she stated an amount that was SIGNIFICANTLY less than the note stipulated. I told her that and she said " OK, I will take that amount '' ''. I said, without you knowing a breakdown of my escrows this is just going to go to additional priciple balance ''. I stopped the process and still have not made XXXX 's payment.

Company response to consumer: Closed with explanation