BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed on my Experian credit report that I have a 30 day late notice posted back in XXXX and I called the vendor - XXXX XXXX and they mentioned it was a mistake. They said they would submit the updated information to Experian however my credit report has not been updated to reflect the on-time payment. I have spoken to them several times and each time they tell me the credit bureau needs to update the on-time status because they have sent the update to Experian. This has severely affected my credit rating and I'm not able to get any additional loans or additional credit because of 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 2021-03-19
Company: CHARLES SCHWAB CORPORATION, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a letter yesterday XX/XX/21 from Charles Schwab about an account open in my name using my personal info. I did not open said account at any time. Today XX/XX/21 recieved a debit card contacted Charles Schwab customer service informed them my identity has been stolen and used to open an account, police report was made. Spoke with Fraud department from Charles Schwab - Investigation and account was frozen will have continuous communication with me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: MO
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 still have not seen results to an investigation into the items I believe to be inaccurate on my report. While I understand that there is a pandemic which can cause delays, I have not received anything from any of the bureaus since my first dispute on XX/XX/XXXX ; followed by 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANYONE to resolve anything. Data has also already been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year ; it's a shame for people like me who are trying to better ourselves! The bureaus MUST be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
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:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Kindly examine the attached files and ensure that any personal information unrelated to me is removed.

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 2020-01-31
Company: B&B Funding, LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX lent me 1st & 2nd mortgages in XXXX to purchase home at XXXX XXXX XXXX XXXX , CO XXXX. Both servicers began misapplying funds in XXXX and XXXX on each loan respectively and it took years to straighten out. I submitted a CFPB complaint about the 1st mortgage in which they foreclosed in the middle of a modification -- XX/XX/XXXX OMB Control No. XXXX -- XXXX XXXX  was the servicer. Foreclosure was eventually reversed. 

A similar circumstance is now happening with the 2nd mortgage. XXXX XXXX sold the loan and it has been sold 6 times since and is with a collection agency called XXXX XXXX XXXX. The last I knew of this 2nd mortgage was when XXXX had it and offered me an {$11000.00} payoff ( which I have attached ) to be paid when modification of 1st mortgage was complete. They also told me that I didn't have to make payments until we started the trial period of the modification after the 1st mortgage was complete -- therefore I should not be in default. XXXX XXXX  took 6 years to complete the modification on the 1st mortgage and meanwhile XXXX sold to XXXX XXXX in XXXX. XXXX XXXX  had told me they could absorb this 2nd mortgage in the modification and that they would contact them to discuss it. I'm not sure that ever happened ; the modification is very complex. 
Meanwhile, XXXX had been sending letters to my previous address and I didn't get them until recently. We were negotiating, they were calling it a modification, then I got a phone call from a women wanting to buy my house saying it was in foreclosure which was a shock to me. They started foreclosing while I was out of town for the holidays and they knew it becauseI let them know I would contact them when I returned. 

I have offered to pay them the {$11000.00} that XXXX offered ( which I have in writing ) and they refused and want me to pay {$38000.00} with interest ( rate changes each week ) and thousands in fees ( the number keeps changing each week ) and their attorney 's fees for the foreclosure. I feel they should honor their predecessor 's offer since when they bought the loan -- likely for 5 cents on the dollar -- around {$1900.00} according to a bankruptcy attorney I spoke to. I believe that if I called XXXX today, they would accept the previous offer of {$11000.00} cash ( if they hadn't sold the loan and closed their business ). They bought not only the benefits of the loan, but the responsibilities too. Again all my day is spent over the past several weeks on only trying to save my house because of a debt collector who is unreasonable and unfair in their practices and my family is being effected including my XXXX year old son. There is no reason for them to be foreclosing while we are actively involved in negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry 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 explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. 

XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EXPERIAN IS BREAKING THE LAW PURSUANT TO 15 USC 1681 ( A ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. 
Recently sent disputes on your inaccurate reporting via EMAIL swell as complaints with CFPB & XXXX 
Pursuant to 15 USC 1681 ( a ) ( 1 ) : This grave erroneous reporting has lowered my confidence in the Experian 's procedure and stressed me out tremendously. As a RESULT OF THE NEGLIGENT I WILL NO LONGER BE EXTENDED CREDIT AND IF THIS INFORMATION IS NOT DELETED/REMOVED I WISH TO NO LONGER HAVE MY INFORMATION REPORTED IN EXPERIAN DATABASE . 
Pursuant 15 USC 1681 ( a ) ( 2 ) XXXX is a powerless elaborate mechanism, These errors and inaccuracies that your company has caused has ruined my reputation and adversely impacted my credit worthiness. 
Pursuant 15 USE 1681 ( a ) ( 3 ) Your company has assumed this role and was not given express permission by me the consumer or a competent court of jurisdiction, So not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which violates my consumer rights Pursuant 15 USC 1681 ( a ) ( 4 ) You did not insure this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this privacy was breached and this violated my rights to privacy. Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not factually took place, can not be categorized as a transaction that took place between the consumer and the person making the report. Which mean it should not be included in my consumer report, and in fact is a violation of my consumer rights. 
Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportuinty to deny this information being communicated on my consumer report. Thesis in fact another violation ANY AUTHORIZATION OF A SPECIFIC EXTENSION OF CREDIT OF A CREDIT CARD OR SIMILAR DEVICE SHOULD BE EXCLUDED FROM MY CREDIT REPORT. 
THE ALLEGED TRANSACTIONS THAT YOUR COMPANY CLEARLY DID NOT INVESTIGATE IS CATEGORIZED AS A TRANSACTION THAT WAS ISSUED AS A CREDIT CARD. 
THE FOLLOWING ACCOUNTS NEED TO BE REMOVED/DELETED FROM MY CONSUMER REPORT IMMEDIATELY IN ACCORDANCE WITH FCRA XXXX. XXXX XXXX XXXXXXXX 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 2021-03-19
Company: Trinity Enterprises Partners, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Trinity Enterprises and their associates, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX all continue to lie and mislead instead of return funds that are rightfully owed to me as the consumer. They take credit for removing negative items on my credit reports when I am responsible for those actions by paying off the balance and then negotiating with the creditor and credit bureaus for removal. Trinity Enterprises even goes as far as to mock and threaten me in their email chain for fear of being exposed. I will post the conversation below. 

" He signed the application that says we can defend ourselves. We can show America his emails and outline of deletions. Often in this case many in America we read our responses and his file in general and allow social media to decide. This will bring us clients once we show how he hurt himself and hindered us in this process and adding new negatives.. 

We can also outline the details on social media I have all the logs.. 

Legal please look for the following emails regarding this client ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
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: Account status incorrect

Complaint:
I am deciding to reach out to CFPB because I have made my payments owed to XXXX XXXX XXXX in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to XXXX or Experian for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against XXXX XXXX XXXX, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-10-10
Company: HW Holding, Inc
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was contacted by Hunter Warfield Inc. about a non existent debt. I requested validation of the alleged debt in accordance with 15 USC section 1692g of the FDCPA. What they sent me was not a validation of the debt. I had previously disputed the debt. On XX/XX/XXXX I sent a certified letter disputing the validity of the information they forwarded to me to validate the debt. They did not respond and proceeded to send a derogatory report to the credit bureau. Hunter Warfield, as a debt collector works on contingency as such they are attempting to strong arm me to pay money I don't owe.

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 2021-03-19
Company: EQUIFAX, INC.
State: TN
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/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Experian, XXXX, and XXXX on XX/XX/XXXX and now again on XX/XX/XXXX. The bankruptcy information came back as verified or accurate and this is not correct.I informed them that the public records information should be removed due the laws below. 
15USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to any of these bureaus to obtain this information.

Also, 15USC1681 ( q ) states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. without written consent of this information makes obtaining this information under false pretenses from the agency or its furnishers.

18USC1028a ( 1 ) states that ( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

The courts have informed me that this information was not reported to the credit bureaus and therefore this information can not be updated or accurate if the source is not furnishing this information. without written consent of me the consumer this information is not lawfully furnished on my credit report. which is a violation of my rights. I request that this information be removed immediately. 

U.S. Bankruptcy Court Type : Chapter XXXX Bankruptcy Status : XXXX Reference # : XXXX Asset Amount : {$0.00} Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX Liability : {$0.00} Exempt Amount : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against 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