BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am disputing Experian dropping my credit score XXXX points on a Sunday XX/XX/XXXX and informing me on the XXXX XXXX XXXXXXXX. Apparently Experian has been hacked or something. I get an email from Experian XXXX, XXXX sometimes XXXX  times a day. I read every email, I am totally obsessed with my credit score and I follow everything you say. I took out a loan at my bank to grow my credit, I double pay and I am never late. The only other thing that has changed is that I got one of the credit cards that you wanted me to get, saying that a new credit card would improve my credit score. I am making a lot more money through my job. Other than that nothing has changed! So how could my score drop? It should only go up! I called XXXX today and they told me that nothing has change with my credit and they said I am above preferred and i am in very good standing. I got off the phone with XXXX and called my bank ( XXXX XXXX ) they said I was in great standing I asked them to look and see if anything has changed on my credit report on their end and they said no! The following is what Experian sent me, indicating that it could be one of the following : You Have Late or Missing Payments This has never happened! 
You Recently Applied for a Mortgage, Loan or New Credit Card I havent and dont plan to do this! 
Your Credit Utilization Has Increased I havent done this and shows on Experians report! 
One of Your Credit Limits Decreased This hasnt happened! 
You Closed a Credit Card I havent done this! 
There Is Inaccurate Information on Your Credit Report My report is accurate I checked, my banker checked! 
Youve Experienced a Major Event Such as Foreclosure or Bankruptcy Never! 
Who is out there to watch over Experian when they mess up? This was clearly one of your bots that got the wrong info, nothing negative has changed and everything positive has happened to my credit. For my score drop XXXX point is absurd let alone XXXX points my score should improve every month. I was about to purchase a boat but now I will have to wait and see what happens with my score. This could cost me thousands of dollars in interest. I like for a real person to call me and tell me how this could have happened and what really happened.

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 2023-10-03
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I logged into my online banking with US Bank, to add a XXXX Contact, my son 's hockey team manager, so that I could transfer her {$300.00} to deposit into the XXXX XXXX XXXX ahead of an out of state trip for a hockey tournament. I added her contact email address and tried to proceed with the transfer. The bank prompted me to confirm the transaction since her email address is in her name but the account is in the Team 's name " XXXX XXXX '' I confirmed that I wanted to proceed. Nowhere was I advised that I had limited number of confirmations, or that I could be locked out of my account. In fact the error message I got was that the error was on the bank 's end and did I want to try again. Yes. So I attempted to do this a second time, from the online app for my bank, on my phone, and I was again given the error that the problem was on their end, and did I want to try again. This time I attempted to login to my online banking on my laptop, only to find out that my username had been disabled and I needed to call the bank. I called the bank immediately and was told that I was on a 48 hour hold for online banking while the bank investigated the issue- the issue I was calling them to tell them I did attempt to transfer {$300.00} to my son 's hockey team manager. I was also advised that they could not lift the hold, even though I was calling to advise them that this was a valid attempt of using my account. So now I have no online access to my money, we are leaving for an out of state trip Thursday, that I can't pay for ahead of time as required by the team ( they don't want checks or cash ), and I have no ability to correct this or see my money until after I will have arrived for my trip. This is ridiculous.

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 2023-08-20
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 a tree fell on my house. 8 days later the adjustor for my insurance came out for damage estimate and gave me a check stating that they had to include my mortgage company as a payee, don't endorse the check, send it to Newrez for endorsement when they return it, I can then endorse and process the check to begin repairs. I immediately contacted Newrez customer service department. The agent that answered the phone didn't try to transfer me to any other department, insisted that I commit to a date that I would be making my next mortgage payment ( that wasn't due yet ), then gave me the address. I sent the unendorsed check by overnight mail on the XXXX of XXXX. They signed for it on the XXXX, and we didn't hear anything until the XXXX of XXXX, when my wife XXXX XXXX XXXX called. She navigated her way through a confusing automated menu, and finally got to the correct department, to be told that this was the 1st time that we called. Got a very brief walk through their process, told that we needed to fill out an owner 's affidavit and send in a copy of the adjustor 's report. We sent that paperwork XXXX on the XX/XX/XXXX ( signed for on XXXX ). We waited until the XXXX when again we called. 
I was told that they see the check, was there and the other paperwork was there, but not uploaded yet. Once the paperwork was uploaded they would decide how to proceed with processing the check.I waited until the XXXX hearing nothing I called back, being told they would be sending the check back to us for endorsement to send it back for an 8-10 day processing before initial payment was issued. Unsatisfied I went to my insurance office and the office manager called on my behalf. Now being told we also needed to send in a signed contractor 's estimate, and we are given a tracking number for the check being returned to us. XX/XX/XXXX not seeing any activity on the tracking number given ( that was created on the XXXX ) I called yet again, to be told that the check was sent out on the XXXX by standard mail. I then asked to speak with a supervisor. I then was told that the check was being sent out XXXX on the XXXX of the XXXX, and a return label was created and emailed to me, verified I received it, and stated I could either print the label myself or take it to a XXXX XXXX and send it back overnight. All this time, the only thing we've been able to do is have the tree removed and sit and wait as our roof continued to leak having to be tarped again, which caused more damage. Getting no answers as to why it was taking so long to get this processed for repairs to be made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: MI
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 have already sent a letter to XXXX, XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$10000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and 17 fraud inquiries from trans union 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.

Transcript Follow along using the transcript.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: GA
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 XXXXXXXX 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 has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Renton Collections Inc.
State: CA
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:
The debt collector RCI of XXXX, WA repeatedly tries to contact me on the phone on a recorded line. I have repeatedly, specifically asked them not to record our conversations, which they refuse. On at least one occasion a representative ( " XXXX '' ) claimed that they were " required by law to record. '' This is false. The Revised Code of Washington 9.73.030 ( 1b ) reads, " ( b ) Private conversation, by any device electronic or otherwise designed to record or transmit such conversation regardless how the device is powered or actuated __without first obtaining__ the consent of all the persons engaged in the conversation. '' ( emphasis added ) The RCW 9.73.030 ( 3 ) goes on to read, " Where consent by all parties is needed pursuant to this chapter, consent shall be considered obtained whenever one party has announced to all other parties engaged in the communication or conversation, in any reasonably effective manner, that such communication or conversation is __about to be__ recorded or transmitted. '' ( emphasis added ) The explicit requirement of the statute, in addition to the inherently revocable nature of consent, clear means any party wishing to record a conversation must obtain _prior_ consent from all parties. Therefore, any recording made before obtaining such consent, and certainly any recording after an expressed lack of consent, is illegal. 

RCI refuses to abide by this law. It phoned repeatedly on recorded lines, even after I made it clear I refused to consent to speaking on a recorded line. They have otherwise never to my knowledge attempted to contact me in written form. They have not provided their address or any other means of communicating with them. They may have identified me via caller ID, but I never answered, confirmed or denied any question, nor did I ever volunteer any personal information. They have never supplied me with any information regarding this alleged debt, such as the alleged creditor, they amount they believe is owed, and how to dispute this claim. 

This morning, XX/XX/2023, I noticed a collections account damaging to my credit rating attributed to RCI. I try to contact them, but, again, they refuse to speak to me on a non-recorded line, which is my right. They insist that their disclosure the call is being recorded satisfies their duty to obtain my consent, even after my explicit and specific expression of not consenting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$920.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When I logged on to XXXX Its not letting me look at my credit report at all. Like they blocked me from looking at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
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:
There was a recent debt added from XXXX XXXX XXXX originally XXXX XXXX in the amount of {$550.00} to my credit that does not belong to me, so I filed a dispute with experian. I received a response stating the invest was complete and there was no change. I know that if there was an actual investigation they would have found out that, that account didnt belong to me. I looked up the company and it is XXXX XXXX, they are saying I had cable opened XX/XX/2020.

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 2022-12-26
Company: EQUIFAX, INC.
State: GA
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 sent a letter on XX/XX/XXXX to remove thse items : 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 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX i sent ceryified letters to all three credit bureaus disputing several inaccuracies on my reports ( I'm a victim of idenity theft since XXXX ) and wanting proof of any verification. I got no responce. Then on XX/XX/XXXX i sent three more certified letters to all three credit bureaus about why i recieved no responce and it was well past thirty days. As of today i still havent recieved a responce or any verifications for any of it i am uploading these letters. I need these accounts removed because i am trying to purchase a home for my son and i. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: IL
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 received an email from Experian on XX/XX/2022 that my dispute # XXXX was ready for viewing on their website when I logged on it stated that the dispute remains which is a bankruptcy # XXXX. That can't be possible because I sent Experian a copy of the letter I received from XXXX XXXX dated XX/XX/2022 that bankruptcy # XXXX has been removed from their data base due to the reinvestigation and it's unverifiable as well as with XXXX. The dispute letter along with the letter from XXXX XXXX was sent via certified mail and signed for. I called Experian on XX/XX/2022 to ask why the bankruptcy remained on my credit I was transferred twice and finally to the Speciality Department where I was told the bankruptcy # XXXX was verified on XX/XX/2022 by XXXX XXXX. I stated that I sent them the letter from XXXX XXXX stated it was unverifiable but she insisted that I start another dispute I asked to speak to a supervisory she stated that their was none available that she would take my number and have XXXX call me.After getting off the phone with Experian I immediately called XXXX XXXX to see what was going on they stated that Experian never contacted them XXXX XX/XX/2022 to verify the bankruptcy in question she stated that she would start a dispute with Experian # XXXX to let them know that I have no bankruptcy on my consumer 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