BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting late payments to XXXX and Transunion. For some odd reason, XXXX is furnishing information that is incorrect. This company has been under scrutiny for not applying payments to consumers accounts correctly as well as many other FCRA violations. On XXXX XXXX, 2017, the Consumer Financial Protection Bureau filed a suit against XXXX alleging that the servicer hurt borrowers by providing bad and sometimes false information, not processing payments correctly and not taking appropriate steps to rectify situations when borrowers brought up these complaints. I was affected by this and the late payment reporting XX/XX/2017 is incorrect. I was never late, and this account needs to be updated immediately. I am not asking for the account to be deleted but I am asking for the late payments to be removed immediately or I will move forward with filing a statement of claim against your company for clear and obvious negligence, FCRA violations, and mental anguish because your company has caused me serious financial problems, distress, and loss of credit opportunities. Please see the attached credit report and update to paid as agreed, never late. XXXX has since deleted this erroneous error, and I am requesting that XXXX and Transunion follow suit.

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 2022-12-15
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 have XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.

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 2022-10-14
Company: EQUIFAX, INC.
State: TX
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 I am allowed under Hyppa law to protect my privacy and medical records from third-party. I do not recall giving permission to XXXX XXXX  for them to release my medical information to XXXX XXXX XXXX XXXX XXXX and account number XXXX validation of debt, and HIPPAXXXX  authorization was never given to the third-party. Please note that information given to the medical provider violates HIPAA law. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate, it may be a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Experian Information Solutions Inc.
State: GA
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/XXXX I received a copy of my personal credit report from Experian credit reporting and found out they were reporting 2 accounts from XXXX XXXX services that I did not recognized. I wrote the company on XX/XX/XXXX requesting verification as per the Fair Credit Reporting Act. They send a generic letter stating that they have verified the account that is mine. I wrote again on XX/XX/XXXX requesting proof of the verification to include a contract/agreement with my signature and all other information to verify the account is mine. They responded on XX/XX/XXXX with the same letter as the one I received on XX/XX/XXXX same respond that they have verified that the account is mine. They did not provide a proof of verification or anything to show that they verify the account. I wrote XXXX XXXX at the Executive Office of XXXX on XX/XX/XXXX requesting proof and verification that the account is mine. They responded with statements for a company name XXXX XXXX XXXX. I send Ms XXXX another letter on XX/XX/XXXX letting her know that this is not my company and again requesting proof and verification as required under the Federal Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ). To date I have NOT received any respond to my second letter. It has been way over the 30 days require by law. I wrote Experian again on XX/XX/XXXX, included the letter and respond from XXXX. Letting them know that since XXXX has been unable to provide proof and verification of the account. If they the reporting agency are unable to provide proof and verification that the accounts should be removed from my personal credit file. They responded stating that they have responded to me before and will NOT respond or provide any verification. This is clearly a violation of the Fair Credit Reporting Act. For months I have been trying to get this resolve. Experian has yet to provide the proper proof of verification require by the Fair Credit Reporting Act however they continue to report accounts on my credit report that is unverified and not mine. This bad reporting is causing severe hardship for me and my family and non of these companies involve is concern. This has affected my ability to get a job, to get credit, to send my son to school, to get my professional certification to help better my life. This has made it extremely difficult for me to provide for the basic needs for me and my family. I am in desperately in need of your help to get this company to remove the unverified accounts from my person credit report. They do not care how this is affecting me despite the numerous times I have reach out to them.

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 2023-07-12
Company: Experian Information Solutions Inc.
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: 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/XXXX, I mailed a certified letter to Transunion disputing a debt collector failing to respond to my validation letter and failing to update the status of my account as disputed. Transunion received my letter on XX/XX/XXXX and, to date, still has not processed my dispute. It's been more than 30 days.

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 2022-11-01
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: OK
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:
Received notification from my credit report monitoring service that someone had fraudulently applied for a line of credit with XXXX XXXX XXXX. This was not me. I contacted XXXX XXXX XXXX and told them it was fraudulent and I also contacted my credit monitoring service. The name and ssn were correct but the address utilized was completely incorrect and I know no one at that address or even in that state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: GA
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 XX/XX/2023 I was reported by my mortgage as being 30 days late on my monthly. Payment which incorrect. I contacted the the company and reported this inaccuracy and was unsuccessful in this being corrected. I've been paying on this mortgage for 51 months never late that in itself should speak volumes to my character. I have great credit and this has impacted in a negative.

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 2023-09-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report I did not authorized 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 2023-07-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$5900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX : {$1000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1100.00}, XXXXXXXX XXXX XXXX XXXXBalance : {$24000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$500.00}, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Steel River Systems, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2023 Steel River Systems , LLC began contacting me via mail, text and phone messages concerning a credit card debt in the amount of {$15000.00} with XXXX XXXX XXXX that was " written off '' or discharged over 10 years ago. In that time, I have rented property, purchased cars and a home with no mention of this " debt '' on my credit reports, therefore, maintaining a credit score in the upper 700 's. It is my belief that this is a " phantom debt '' and Steel River Systems , LLC is a scam organization trying to take advantage of people and their information. I have sent a certified letter to Steel River Systems , LLC to let them know about their invalid claims of trying to collect on a settled debt and to stop all communications and contact attempts.

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 2023-02-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Ive contacted Equifax numerous of times as well as sent certified docs to update my address so I can refinance with my bank. Most recent was today XX/XX/2023. The supervisor advises the same thing theyve been saying for over a month now! No documents has been received, please resend information Something needs to be done about this. Im considering contacting a Lawyer to get this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I received a notice that our property taxes were delinquent. Those should be paid in a timely manner through the escrow account of the mortgage. I called the XXXX of XXXX to confirm all information and then spoke with XXXX at Freedom Mortgage on XX/XX/XXXX. She informed me it would take up to 14 days to resolve, once they received a copy of the delinquency notice via the secure portal. I sent the requested documentation that same day. On XX/XX/XXXX, I received a notice via the secure portal that the issue was being looked into and would have resolution by XX/XX/XXXX. This is not a timely resolution. On XX/XX/XXXX a statement was mailed to our home informing us that our mortgage was increasing by over $ XXXX due to an escrow account shortage. I made a call to Freedom Mortgage upon receipt of this notice on XX/XX/XXXX, which also informed us that this payment increase would go into effect in fewer than XXXX weeks. I spoke to XXXX in the escrow office at FM and he confirmed that because of the large payment that came out of the escrow account on XX/XX/XXXX to the city of XXXX, it created the shortage and that same day the mortgage assessment formula was run, increasing our mortgage significantly. We, as consumers, are paying for the errors of FM and this is a bad business decision in a financially precarious time in the country. XXXX escalated my concern to XXXX ( ID # XXXX ) who offered to spread out our overage over 48 months instead of 12 months. Again, this is passing financial liability and responsibility to me and my husband for the error of FM. I then had to spend time explaining to XXXX why XXXX XXXX in the tax dept ) could not help me with the new set mortgage amount and I had to re-explain what errors occurred leading us to this point. She stated that she'd submit the request to spread out the overage cost and it would take 10 business days. I asked her how I was supposed to trust that it would take 10 business days when the original issue was supposed to be resolved in 14 days and it took from XX/XX/XXXX to XX/XX/XXXX. XXXX finally agreed to escalate me to a supervisor, I am still waiting for resolution and supervisor assistance. My mortgage should not go up over {$500.00} a month because FM was unable to conduct their business within a reasonable time frame.

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