BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-27
Company: Experian Information Solutions Inc.
State: VT
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:
In XX/XX/XXXX, Experian lowered my score by XXXX points (! ) because XXXX ( the student lender ) reported my account to be delinquent at the time when I was on the IXXXX Repayment Plan. The reporting was incorrect, which I had all the proof for. I contacted Experian and disputed these wrong " delinquencies ''. They did nothing. I called them to inquire what the problem was/is and their customer service said that sometimes it takes time to fix the problem (?? ). Instead of fixing the problematic reporting ( and looking into the evidence I submitted that there was no way I missed any of these payments because I was supposed to be in the economic deferment and XXXX - submitted all my tax returns for all 3 last years ), yesterday they went to lower my score for additional XXXX points. I have no idea where that came from because on their reporting I do not see any recent delinquencies and there should NOT be ANY. My paying history has been exceptional throughout the years, and my status with the XXXX XXXX XXXX XXXX shows exceptional paying history. Despite this and all the evidence that I sent to prove XXXX  false reporting, Experian did not want to remove these reportings on my account and within 3 months lowered my score by over XXXX points! Even XXXX responded here at the CFPB portal that they made a mistake in reporting ( not for XXXX, although I will complain about that in my next complaint, and I will keep complaining because this is ridiculous ). I want Experian to fix this problem now.

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 2022-04-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act, Everything has to be 100 % accurate on my credit report. I did not consent, authorize or benefit from the fraudulent accounts below. 

XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX... .... 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: SC
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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2023

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 2022-03-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XXXX of XXXX I made a payment of over {$3000.00} to XXXX XXXX XXXX after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to XXXX to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for XXXX XXXX XXXX. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with XXXX and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from XXXX or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 bankruptcy is showing as " Dismissed with TransUnion and XXXX. 

My proof Attached Shows that my bankruptcy was DISCHARGED in 2012! 

This is my second complaint. 

If this is not fixed immediately I will go to the federal Court house and start excercising my right to Sue these credit Bureaus. 

I can not even get approved for a credit card through my bank because it is showing as an Open " dismissed '' bankruptcy

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 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
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 filed a dispute on Experian to remove Tennessee XXXX XXXX off my credit report. This account is closed and paid off. The update that occurred afterwards is false. I have not made any recent payment to Tennessee XXXX XXXX. This update is fraudulent. My case was closed in XXXX when my son was adopted and the balance was forwarded to the county I reside in now. Also, the date of last payment is different on two different bureaus if you look at my report for Tennessee XXXX XXXX you will see someone put ND because there was no payment due, and all of a sudden I made a payment out of nowhere? That makes no sense.

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 2021-04-02
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:
Experian will not update my score please help still showing from XXXX when I pay for service send refund also

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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TODAYS DATE:XX/XX/2020 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported :XX/XX/2020 XXXX/XXXX  Reported : XX/XX/2020 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-10-11
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, i was issued a credit from the XXXX XXXX back to my Credit Card. The amount was {$860.00} for a refund. I asked the credit card company to use those funds to pay off an installment on a device, i was told they could not do that ; I then asked for them to issue a check in my name for the total amount the was credited and in a positive on XX/XX/2021 and two other occasions as well. The Credit Card in question is the Apple Card a MasterCard managed and owned by Goldman & Sachs in conjunction with XXXX Rights. 

I have also contacted the XXXX XXXX for assistance on multiple times with Goldman & Sachs to no avail. 

I simply would like to use the funds i have currently of {$760.00} to either pay off one of the installments or that i be issued a check as the credit card company should return any excess payments to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Revco Management, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CBCS KEPT CALLING MY CELL AFTER CEASE AND COMMUNICATION LETTERS AND DURING AUTOMATIC STAY XXXX  XXXX. XXXX CALL DOCUMENTED SCREENS SHOTS.THEY ALSO WERE CALLING MY HUSBAND AT ( XXXX ) XXXX 15 TIMES AFTER THE SAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, these accounts below need to be removed, I went to the police station and gave them all the account numbers to these accounts someone opened in my name, I have talked to the vendors and they advised to file a police report By law these accounts need to be removed 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 non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
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 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 2020-03-27
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/2020 at XXXX XXXX  I sent written communication to AMERICAN EXPRESS dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXXXXXXXX, XXXXXXXXXXX, and XXXXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from AMERICAN EXPRESS dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, AMERICAN EXPRESS sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing AMERICAN EXPRESS communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires AMERICAN EXPRESS to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. AMERICAN EXPRESS provided none of the above. AMERICAN EXPRESS continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. AMERICAN EXPRESS has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. On XX/XX/2020 I repeated the entire above process. I sent written communication to AMERICAN EXPRESS dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account numbers XXXXXXXXX, XXXXXXXXX, and XXXXXXXXXX. On XX/XX/2020 I received written communication from AMERICAN EXPRESS dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, AMERICAN EXPRESS again sent me printed copies of statements. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX I mailed a letter to TransUnion and XXXX disputing inquiries on 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 Even though I included a copy of my Social Security Card, my State ID, and physically signed the letter. TransUnion still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from TransUnion past that point. It has been well over 30 days. 

I mailed the same letter to XXXX, on the same date. XXXX NEVER responded regarding the inquiries.

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 2021-08-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested mortgage assistance from XXXX and continue to be in the process 2 and a half years later. I am continuously being asked for the divorce decree, which my mistake was sending my originals to them. To this date I have not received my originals back, and am still being asked to provide my divorce decree. I ask them where is my divorce decree original documents and of course they do not know. Furthermore I have sent the documents that I am continuously asked for just so that at the end I end up being asked for further divorce documents. I am exhausted all I want to do is resume making my monthly mortgage payments. As a homeowner in California whom has given them the paperwork they ask of me over and over and over and over and over and over again it makes the difference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT ED  # XXXX, # XXXX, # XXXX and 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 non-monetary relief