BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have disputed innaccurate and incomplete accounts on my credit report on multiple occasions. the reporting agency has responded with verification of accounts, however they will not provide me woth their investigation process and results. also stated that the accounts have been corrected, however they are still being reported innaccurate and imcomplete.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: OK
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 request a copy of my credit report and once XXXX XXXX it I seen it as that didnt belong to me so I called my bank to have them to freeze my accounts until further notice

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 2023-11-21
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-08
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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:
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2020-09-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : On XXXX XXXX, I sent a certified letter to Equifax. The letter outlined how these accounts were reporting wrong. I also sent my full credit report to them. I even went as far as circling these errors for their review. When these accounts were disputed with Equifax, the accounts were updated with erroneous status information. How can these accounts go from Included in Bankruptcy, to a Charge Off, or Open, Or Transfered :? I would like to know Equifax 's method of verification. According to Equifax, these accounts were verified with the original source to be accurately reporting. If this statement is true, why did the status change from Included in Bankruptcy, to Charge off? After a Bankruptcy is discharged, the original creditor 's relationship is severed with the debter. No further reporting is required. Especially if it is reporting erroneous information out of spite towards the debter. In conducting any re investigation under paragraph ( 1 )  with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer, and make neccessary changes to a consumer report if the information supports the complaint.. This did not happen. It is obvious that Equifax did not examine the enclosed supporting documentation that I sent them. There was no investigation by them. The e-oscar system does not take into account that the consumer might need an actual person to examine supplied information, to the bureaus, that could rule in the favor of the consumer. E-oscar only repeats the same information that is unverified, or erroneous data that is supplied with the original creditor. Equifax, did not compare the old data that was sent by the original creditors, to the new data that was sent to them by the Federal Bankruptcy Court. 
It is beyond belief, that with the current laws that are written to protect the consumer, that credit reporting agencies can be allowed to report information, that they physically did not verify. And if Equifax would have done an actual investigation, they could have seen that the discrepancies were very obvious to anyone that cared enough to view them. Equifax has failed to protect the consumer, from companies that report old or outdated information. I have enclosed the same report, that I originally supplied to Equifax. I pray that I have been clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage was purchased in XX/XX/XXXX. In XX/XX/XXXX I received notice that my mortgage was increasing by 17 % due to lack of sufficient funds in my Escrow account. However, I have been paying the mortgage since I purchase my XXXX in XXXX to the present with no problems. I was told that the increase of {$230.00} per month was due to an increase in insurance and property taxes. I checked and learned that my insurance increased by {$140.00} for the entire year and my property taxes increased by {$7.00} for the entire year. Therefore, I do not see a reason to pay an additional {$230.00} per month. 

Since there is no law requiring that a VA loan have an Escrow account ( even though they tried to tell me it was required ), I asked XXXX to bill me for the property insurance from now on. I also went online and paid the first installment of the property taxes. I sent confirmation of payment of my property taxes to the mortgage company, but they went ahead and made an additional payment of the property taxes. Before that happened, I had pulled together enough money to pay off the negative amount of my Escrow account. I then told them that I do not want my property taxes or insurance in Escrow, but by paying the second part of the property taxes, they put my Escrow account back in the negative. It appeared that they would not release me from Escrow. I have since learned that my Escrow is now in the black to the tune of {$440.00}. Everything is now paid, therefore, they should release me from Escrow and recalculate my mortgage payment to reflect only the loan amount at the 3.25 % interest rate. 

Finally, I had just broken my leg at the beginning of XXXX, and so I did loose track of the mortgage payment for one month. When I talked to them, they were definitely not easy to deal with and told me that the only way they could help me was if I would refinance ''. Refinancing would take my interest rate from 3.25 % to approximately 8.5 %. This increase in interest would not decrease my payments and does not make sense when I am unable to work for only 3 months, until the first or second week of XXXX. I can not believe they do not keep better records, and especially that they would treat a veteran like this.

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 2023-11-30
Company: Sterling Infosystems Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Sterling Background Check no good Company sent me a false ( lie ) message on phone saying to call so can give me the case status by someone named XXXX XXXX to call XXXX Extension XXXX and then started demanding questions at me such as where do you live and stuff. I advised used to live in XXXX XXXX Texas and asked for my personal information to be removed from there system, etc ... and the caller refused and the agent hung up on me.

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 2022-12-27
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
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 have reached out to all of the credit card companies to inform them that they should not be reporting my accounts as late. According to 15 US. CODE & 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term " person '' means any indvidual, partnership, corporation, trust, estate, cooperative, assodiation, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual. 

( d ) CONSUMER REPORT. 
Of other communication of any information bya consumer reporting ageny bearing on a ( 1 ) INs GENERAL. The term " consumer report '' means any consumer 's credit worthiness,, credit standing,. credit capacity, character, general reputation, personal characteristics, of mode of lving which is used or expected t to be used of collected in whole or in part for the purpose of serving asa a factor in establishing the consumer 's eligitility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) ExcLsions.-Except as provided in para
graph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any- and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer ( ii ) communication of that information among persons related by common ownership or affiliated corporate control; or ( i ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disciosed to the consumer that the information may be communicated among such persons .and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personsi.

Finally, according to this law if i.was ever late I paid a late fee. They are not.allowed to.double dip.

I.have asked all.credit bureaus to.update the payment statuses on all credit card accounts to " paying as agreed '' it's the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX of 2022 it looks like an unauthorized auto loan from XXXX XXXX XXXX was added to my credit profile. This is not my account and is reporting negatively to my credit report. This loan was for the amount of {$21000.00} And is now {$9600.00} owed. Please REMOVE from my credit report because it is defamation of character and I have reported it multiple times. The account number is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
List the accounts Accounts TYPE OF ACCOUNT : COLLECTIONS ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

TYPE OF ACCOUNT : COLLECTIONS ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

TYPE OF ACCOUNT : COLLECTIONS ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2021-01-28
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National credit systems has been reporting to my credit for years without ever showing proof of the original owed amount before being sent to collections. I was not made aware of the debt and once I tried to resolve, received no explanation or confirmation that it was myself that actually accrued a debt or any previous attempt to collect from the original owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
BMO bank took over XXXX recently. The account they put me in had a service fee. They did not disclose this fee or how to avoid it. I called once I saw the fee and after waiting an hour an agent was finally able to adv that he can change the statements to online and it will waive the fee. He said I wont get a fee in the future. Then I see the same fee next month. I called and she advised that I need to change my statements myself and they wont waive the new fee until that happens. I was very clear that I was lied too and it didnt matter. I asked to speak to a supervisor and she said there wasnt one.I continued to push and she put me on hold for over an hour and I had to disconnect. Mind u all of the people I have spoken from BMO are from another country and continuously give me wrong info. I submitted a survey w this information and still never got a call back. Recently I got a text that there was an attempted charge for XXXX from XXXX. I responded that no this is not authorized and I called customer service immediately. She lied to me and said that the charge was declined. She ordered me a new debit card. I was very upset because I never activated the card they tried to charge. I never used it online or at an ATM. I just saw today that the XXXX charge posted to my checking account. I called and confirmed that there was no claim that was filed when I was clear that this was an unauthorized transaction previously. This is a violation of reg e and had a financial impact due to them lieing. This is a violation of Udaap. I was very concerned that the fraudsters had my checking account because how were they allowed to use a debit card that was not activated? The bank was not able to answer this and said they filed a complaint for me. This is unacceptable and this company continues to lie to me about whats going on on my account. This is my money and how I pay my mortgage. The agents continues to tell me the fraudsters used a debit card. How was a debit card that was never activated used online or at an atm allowed to go through? This is very concerning. How are banks able to protect us if they r letting charges go through a checking account from an invalid card? This is terrifying and they should have to answer to how this happened, why I was lied to and why a claim was not filed timely.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names : XXXX : Original creditor 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, XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation