BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & Bankruptcy 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 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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 have previously disputed this item with you > Insert Public Record and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. XXXX negligently REPORTED THIS INFO AND USED MY INFO TO CREATE AN ACCOUNT THAT I DID NOT GIVE THEM PERMISSION TO Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately. '' Account/Public Record US BKPT CT GA 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 2022-08-18
Company: Experian Information Solutions Inc.
State: KS
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 been contacting this company each month since XXXX. I have contacted XXXX and Experian as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. 

This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. XXXX XXXX  XXXX is also reporting to XXXX that this is an unsecured loan and reporting to Experian that it is a charge account. 

This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. XXXX XXXX  XXXX have failed to report mandatory information such as my last credit limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

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: NY
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:
Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. My credit report is still showing late payments on XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: IN
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 have requested proof of validation, method of verification, and proof on conjoined contract for the attached accounts from all 3 credit bureaus on XX/XX/2023, XX/XX/2023, & XX/XX/2023. These statuses are showing Account not disputed. This is inaccurate and negligent in investigation processes. Under the FCRA guidelines, this is a violation. You are allowed 30 days for investigation with was not adhered to 3 times. 
I never received any type of validation, notification of said investigation, or proof of method of verification. 

According to the bureaus reporting, it looks like I never disputed these account. But I have 3 times.

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: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I hope this is my last complaint to Chase regarding my account. I was your customer from XXXX until XXXX until my loan got transferred to XXXX. I have a copy of all my credit reports from XXXX until today which is XX/XX/XXXX XXXX by law chase Was to report my active account to all 3 bureaus which are XXXX  , XXXX  and XXXX  . Chase failed to report to XXXX  and XXXX  for 10 years or more. on my XXXX  account for over 10 years Chase reported incorrect information. I would like Chase to review their own record and they will find out that what I am saying is 100 % correct.If I file a lawsuit again I will include my credit issue with evidence to the judge. for all the incorrect information the chase reported on my credit report all the inconvenient and the high interest rates I had to pay because of their negligence and not approving me for loan modification and putting me in financial hardship I am requesting the following to close this case and I can move on with my life during covid-19. I do not want to hear any more excuses responding to my letter. Also the lates that were reported against me or during the time that I was trying to get a loan modification plus my loan was transferred to the new mortgage company which is legally Chase did not have the right to report any latest but of course. I do not want a bogus letter Chase. I want you to do the right thing and fix the issue. If chase dose not fix the problem I will ask for damages of not reporting to XXXX XXXX and XXXX in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
During my divorce my ex-wife was award the house and was 100 % responsible for the mortgage payment and upkeep of the house. In XX/XX/2018 my ex-wife abandoned the property and moved to another state. Freedom Mortgage contacted me and held me responsible for the mortgage payment even though I furnished them the divorce degree indicating my ex-wife 's responsibility. They told me that they could repossess the house and ruin my VA eligibility to purchase another house. Prior to contacting me they started reporting negatively on my credit report. To prevent further damage to my credit report, VA eligibility and repossession, I filed a request for assistance with the loss mitigation department of Freedom Mortgage. At that point I could not afford the additional mortgage payment and my ex-wife refused to list the property with a realtor. I had to take my ex-wife to court to gain a Judgement enforcing the divorce degree and allow me to list and sale the house without her participation or authorization. I kept Freedom Mortgage informed of my actions. In XX/XX/2018 I got a buyer and closing date. The house was sold and paid off on XX/XX/2018. On XX/XX/2018 Freedom Mortgage reported XXXX passed due to the Credit reporting agencies even though they received the payment in full. I submitted request to dispute the 30, 60, and 90 day past due along with my divorce decree and judgement because I felt I should not be held responsible and punished on something that another parties fault and responsibility. After I submitted the dispute, I received an alert that Freedom Mortgage reported 120 days past due. This was after the house was sold and the mortgage paid off. When I contacted them to ask that report be removed they argued with me and told me that they acted in accordance with the law and that I was 120 past due when they made the report. They said their action was according to my contract, however would not furnish me the contract or indicate where in the contract. Additionally my original loan was made with another mortgage company which sold it to Freedom mortgage.

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 2023-07-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 been contacting this company each month since XXXX. I have contacted Transunion and XXXX as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. 

This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. XXXX XXXX  XXXX is also reporting to Transunion that this is an unsecured loan and reporting to XXXX that it is a charge account. 

This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. XXXX XXXX  XXXX have failed to report mandatory information such as my last credit limit.

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 2023-08-29
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/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 Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To whom it may concern, I am writing to request your help in finding my lost {$2000.00}. This has been an ongoing issue since XX/XX/2023 between XXXX XXXX  ( account XXXX ) and Bank of America ( account XXXX ). Here is a timeline of my efforts : XXXX XXXX - using XXXX XXXX online services, I initiated a {$2000.00} transfer from my Bank of America account to my XXXX XXXX  account. It is important to note that I started this transfer from the XXXX XXXX  website and not from the Bank of America website. I received a notice that the transaction would be complete within 24-48 hours. 

XXXX XXXX - XXXX received an email confirmation from XXXX XXXX  that the {$2000.00} transfer was completed. 

XXXX XXXX - XXXX closed my XXXX XXXX  account, forgetting to check about the incoming transfer. I received a notice ( attached ) showing that the {$2000.00} was returned to Bank of America with an estimated arrival by XXXX XXXX. 

XXXX XXXX - XXXX checked my Bank of America account and noticed that the {$2000.00} hadnt been returned. I went to the XXXX XXXX  branch in XXXX, CA and spoke with XXXX XXXX and she made a few calls. I stayed with her for XXXX hours before she concluded that it was a Bank of America issue. 

XXXX XXXX - XXXX XXXX - XXXX made numerous calls between Bank of America and XXXX XXXX  trying to resolve the issue. Each bank kept pointing me to the other bank. I spoke with XXXX at Bank of America, as well as XXXX with the Bank of America Disputes department. I tried to file a claim with Bank of America, but they stated that since the transfer was initiated through XXXX XXXX, and that XXXX XXXX  didnt return the {$2000.00} to Bank of America XXXX there was no trace number and nothing to file for. 

XXXX XXXX- I went to the XXXX XXXX  branch in XXXX, CA and spoke with XXXX XXXX ( XXXX XXXX stopped returning my calls ). He tried to be helpful, but was also unable to assist. He confirmed that the {$2000.00} never hit my XXXX XXXX  account and that filing a claim with Bank of America should resolve the issue. 

That same day, my son and I called XXXX XXXX  again and spoke with XXXX. We were told that she would investigate and speak with the XXXX department, then call me back on XXXX XXXX at noon. 

XXXX XXXX- no call back from XXXX XXXX XXXX 

XXXX - my {$2000.00} is lost and neither bank can assist. 

Attachments : XXXX XXXX  XXXX Bank of America XXXX XXXX XXXX  emails

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 2023-07-11
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have money with navy fed for 3 years now. My friend sent unemployment money to both the checking and savings accounts. The bank said it was scam and they couldnt release the money. They closed the account but the money is still in there. I wanted to know if its possible to get the money back. I receive statements every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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 fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a XXXX on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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:
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB, please step up and delete these negative accounts asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 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