BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: EQUIFAX, 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:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit  reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$920.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX  {$2100.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 made numerous efforts to remove incorrect information on my report without success beginning in XX/XX/XXXX beginning with XXXX XXXX  XXXX who reported incorrect dates and amounts. This complaint was made directly to the mortgage company. XXXX, FMCC XXXX who I filed a complaint against directly to the credit bureaus and still they are reporting a lateness that never occurred. Third, the previous balance owed to XXXX XXXX XXXX is also in error. On this account, I obtained the services of XXXX XXXX in XX/XX/XXXX and have not been successful as of yet. XXXX of the more serious complaints I made with the credit bureaus is the SC XXXX XXXX XXXX XXXX who persistently reported incorrect information regarding lateness and dates. Last, my account with XXXX XXXX and XXXX has also been reported in error. 

In accordance with the Fair Credit Reporting Act, these companies and credit bureaus have violated my rights.

15 U.S.C 1681 Section 602 A states that I have a 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over the past several months I have made complaints to Experian and XXXXXXXX XXXX XXXXXXXX that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on Experian. Each entity is blaming the other one. 

Experian says that they are not getting data from XXXX. XXXX has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 


I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called Experian and got a report and XXXX is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned for lead supervisor XXXX XXXX that he spoke with Experian Rep XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX according to XXXX, she sent him an email saying that Experian had purged my account from Experian 's data base which is a direct contradiction to Experian 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file and purged and XXXX said they did not asked to haver their trade line purged from my account. 

I want a credit report from XXXXXXXX XXXX on my Experian File. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX ACCT XXXX IS SHOWING INACCURATE BALANCE I CALLED AND VERIFIED THE CORRECT AMOUNT IS XXXX BUT IT SHOW INCORRECT BALANCE ON TRANSUNION, XXXX, XXXX AND XXXX. 

MULTIPLE INSTANCES OF INACCRACIES, OUTDATED AND ERRONIOUS INFORMATION DOCUMENTED WITH PREVIOUS COMPLAINTS THAT THEY REINSERTED AFTER REMOVAL.

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 2021-06-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with Chase in XXXX, closing end of XXXX. At the time, I was shopping around for rates and the loan officer promised that he would beat the competitors and get me a 2.625 % rate after applying discounts. I agreed. After applying, we reviewed the conditions for these discounts, and I fulfilled them. This was confirmed with the officer via both email and sms text. However, the rate quoted on underwriting document and loan agreement had none of the discounts applied ( 2.875 % ) in late XXXX. I sent multiple follow up emails and calls over the following weeks/months asking for the rate to be updated on the documents and the loan officer confirmed and assured me it was being worked on and would be reflected during close.

20 days before close my case was passed to a different officer and I was told the terms I was given do not qualify for the discount. They are refusing to honor the rate that we had agreed on both verbally and in written communications without moving additional funds, and with no acknowledgement or apology for any mistakes. 

I feel as if I had done my due diligence in confirming with them many times over the three months that I had moved sufficient funds and taken the appropriate actions to qualify, and at the time they had assured me that I had. To change their messaging at the last minute, despite having three months to notify me, leaves me with no recourse to go to another lender ( and had I been given the terms originally, I would have gone with another lender from the beginning ). I feel that they need to honor their originally agreed rate, and they have long passed the reasonable window to be making additional demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
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:
For well over the last three to four years, every since I found out that I was a victim of Identity theft. I have been sending dispute letters to all XXXX XXXX XXXX. Requesting by law that they supply me with information, even a signature showing I authorized this credit card in my name, which I never did. This blemish has been sitting on my credit reports for years. I never had a credit from this company. This account is hurting my name, my future on obtaining a home loan, it's continuing to hurt my credit on a daily basis. I have attacked this credit card company in every way I know how. I have even sent letters in to the Federal Trade Commission, which referred me to you here at CFPB. XXXX XXXX XXXX has an account under my name, acct # XXXX, CARD ENDING XXXX, BAL. of {$230.00}. I sent a debt validation request letter, which they cant provide me any information of my personal information to me. I have a fraud protection added to my credit profiles. I have police reports of identity theft, which was sent in to all three credit reporting agencies. I demand this account removed my my credit reports. I will even try to take legal action in courts to have this matter handled. This debt is not my debt, Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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:
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 XXXXXXXX collection. Account Number # 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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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: Reporting company used your report improperly

Complaint:
Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions.

15. U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company has violated my rights : XXXX XXXX XXXX Late Payment reported : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
Account # : XXXX Account Type : Mortgage This company has also violated my rights : XXXX XXXX Account # : XXXX Account Type : Mortgage Account Type - Detail : Conventional real estate mortgage Bureau Code : Individual Account Status : Closed Monthly Payment : {$780.00} Date Opened : XX/XX/XXXX Balance : {$91000.00} No. of Months ( terms ) : XXXX High Credit : {$100000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Affected by natural disaster Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccurate addresses on my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
If you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
US DEPT ED XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} U S DEPT OF EDXXXX XXXX Balance : {$200.00}

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 non-monetary relief
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: PA
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 


Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.

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 2021-05-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting balances on the credit report that are incorrect and outdated long after other agencies have removed or updated them. I had to go in and submit disputes on multiple accounts in order to have the correct information updated and then wait 2-3 months until they get processed, which left me unable to apply for credit. Other agencies displayed the correct information, which tells me that the creditors do report the information timely. 

In particular, Experian is still reporting a balance from XXXX in the amount of {$8200.00} I have disputed this item as it has been paid per agreement with XXXX. Experian claims they resolved the dispute, but have not removed the balance. I tried to submit a second dispute, but they refuse to process it. 

Additionally, they are reporting another balance on a previously held joint account with XXXX for {$820.00}. I contacted XXXX and learned that the balance was paid in full by the joint owner nearly one year ago. Yet it is still being reported on my report. I submitted a dispute and it has been in process for over 1 month. 

However, they are consistently 2-3 months late in reporting positive updates, such as decreased balances. 

Of the 3 credit bureaus, I've had the most issues with Experian.

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 2022-10-17
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Caine and Weiner has violated my Federally protected rights under the FDCPA. I never received a letter to dispute before furnishing this account. Cease communication from me from all mediums including my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about month of XX/XX/XXXX, i had a policy with XXXX XXXX. I contacted XXXX to inquire about utilizing a lockout plan or feature and advised i didnt have as part of my insurance policy. I then paid for the roadside service as i did not have the policy feature and the fee of {$99.00} was paid using my bank debit card to a third party company XXXX uses called '' XXXX XXXX'. 
After requesting the service and paying for the service for lockout service, the individual or company never showed to my location where i called to have the service used and therefore I began using tactics to resolve situation myself. 
i contacted XXXX to request a refund of the roadside assistance fee of {$99.00} due to not fully using the service or service wasnt completed by third party successfully, i was referred to a website to request a refund of the third party fee and service. I attempted to go to website as requested however website provided to submit such refund request was not user friendly and or having website related issues submitting information into website sucessfully. I then contacted XXXX directly and requested to have all funds of the {$99.00} applied to my upcoming policy due and i then shopped for a different policy with a different company that would include any roadside assistance. As of this date, XX/XX/XXXX, i now have recieve multiple notices stating i owe {$120.00} to XXXX and now a collections company, CCS Collections. I have re-attempted to contact XXXX and request all monies owed or due be settled with refund amount from third party roadside assistance company, XXXX. I was advised per a XXXX policy representative that an email would be sent to XXXX for follow up. I would like this to be resolved and all funds or amounts removed off my credit report as soon as possible or within a reasonable timeframe as i beleive as a consumer i should not have paid for a service i never recieved or used.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
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: Investigation took more than 30 days

Complaint:
XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation