BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: PA
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:
Back in XX/XX/XXXX I sent in my first dispute to all 3 credit bureaus, ( XXXX, XXXX, and Equifax ) addressing the incorrect personal information that was being reported on my account. I asked for them to update my credit profile with my correct name, address, and employment info. I know due to covid things may have been backed up so I reached back out to them XX/XX/XXXX. In my XX/XX/XXXX dispute I addressed the same issues with my personal information and asked for verifiable proof of a few accounts that was being reported. I was sent an updated credit report that said accounts has been verified and no change to my profile in XXXX XXXX. I asked for a re-investigation and verifiable proof for selected accounts in XXXX XXXX XXXX. I informed them that according to the FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the original signed consumer contract for any and all accounts that's reported on a credit profile. I have not received any response to my dispute as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the companies that I disputed. I do not validate any of them accounts and none of my personal information been updated. I have spoken with someone from XXXX and XXXX asking why haven't those accounts been removed yet or my personal information update and the response I got was they don't have to send me out any physical proof of the debt. So instead of continuing going back and forth I figured I'll reach out to you guys to see if you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-07-03
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
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, XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX, has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 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. 

XXXX XXXX XXXXXXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2020-12-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Experian over two months ago and they still haven't blocked and deleted the unverifiable, invalidated, inaccurate, and questionable accounts on my report. Instead, they accused me of using third party credit repair agency.

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 2023-01-16
Company: JPMORGAN CHASE & CO.
State: AZ
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:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions Inc.
State: OH
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 the third time I have request proof to substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be visavis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXX the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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 2023-02-23
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In May of XXXX  we received notification from our County Property Tax administrator of a significant increase in our property taxes. I notified our loan care servicing company, XXXX XXXX XXXX LoanCare, of the increase and suggested an escrow analysis be performed. They agreed and stated we would be notified via email and USPS letter. We never received any communication from the company. 

In XXXX of XXXX, we received a letter from LoanCare, dated XXXX/XXXX/XXXX  indicating our escrow account was underfunded by {$6000.00}. The next business day, XX/XX/2022, I called and spoke with a customer service representative. We agreed to pay the shortage amount of {$6000.00} via digital check. I was instructed to write " escrow payment '' on the check. The payment was made online and cleared the bank on XX/XX/2022. 

I followed up on XX/XX/2022, contacting LoanCare Svcs to follow-up on the recent {$6000.00} escrow payment. I wanted to ensure the payment was made to correct the deficient escrow account and not prepaying our monthly mortgage amount or against principal. The LoanCare Svc person indicated a mistake was made and the {$6000.00} had been applied against principal. I clarified for her our intent to pay the escrow shortage. She indicated the issue would be addressed and a follow up letter would be sent. We never received a letter, or any follow-up. We continued to make our monthly mortgage payment as agreed to. I monitored our account via an online portal. I called periodically asking the staff at LoanCare Svcs why our information was inaccurate. They always assured me the information would be updated the next day or so... A letter explaining the error and apologizing for the mistake was always in the mail. 

This went on for months, even to the point of LoanCare Svcs issuing us a few certified letters initiating the foreclosure process. Unfortunately, my wife had received one of the letters when I was out of town. She was somewhat unaware of LoanCare Svcs mistake. She was very upset and spent the next few days trying to contact LoanCare Svcs with no success. I returned home and contacted LoanCare Svcs immediately. Once again I was assured it was just a bureaucratic mistake and I would be receiving a letter apologizing and detailing the issue. This never occurred. 

What we did receive was another certified letter continuing the foreclosure process. To add insult to injury, we also received an alert via our XXXX XXXX account that our credit score had been downgraded because of comments made by LoanCare Svcs to one or more credit reporting agencies.

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 2020-08-18
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:
MY INFORMATION WAS USED TO OPEN FRAUDULENT CREDIT CARDS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.

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 2021-01-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020 - 2 fraudulent charges one in the amt of {$150.00} and other for {$500.00} were made on my checking acct ending in XXXX. One charge of {$150.00} was sent credited to my account - the {$500.00} Wells Fargo insists the charges were made by me or an authorized representative through a XXXX transfer. First, I have never ever opened or authorized anyone to open a XXXX account. WF states it was made through my cellphone. I immediately contacted WF when I saw these charges pending on my checking account and was advised Fraud Dept would handle and refund my money. Numerous months passed with correspondence going back and forth with WF insisting - I made the transactions. I have opened a new checking acct and filed reports with the FBI, police, credit bureaus along with complaints with WF executives, CFPB, Senator t and involved the media with regards to my complaint with WF. Their communications reports reflect it was done on my cellphone - I went to the XXXX store to have my XXXX checked for anything and everything - they state malware and spyware is possible on an XXXX - so I bought a new phone. I have done everything humanly possible to protect my account going forward. WF sent me a letter stating the {$150.00} was credited to my acct. Where is my {$500.00}? I am also upset and disappointed this XXXX account remaining open by WF after I advised them, I never opened it ... this was discovered accidently looking for the ATM access code withdrawal ( which I use ). I have been a customer with WF for over 25 years with my checking account and they are questioning my integrity which is not taken lightly being a United States XXXX XXXX Veteran. Why is it when WF data has been breached ; consumers must accept it but when one 's personal data is compromised, we are left to fend for ourselves? WF is crazy to think anyone will not fight for their money especially when they did not authorize or even know the person.

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 2020-08-18
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I received a call, where the caller refused to identify themselves but ask me for who I was, said there were trying to collect a debt for XXXX, that I have previously filed a complaint ( Complaint # XXXX ). On XX/XX/XXXX I received mail from XXXX XXXX XXXX XXXX requested me to pay {$1400.00} for a debt from an Original Creditor - XXXX XXXX XXXX, XXXX, purchased by a current creditor - PYOD LLC, with a charge off date of XX/XX/XXXX. Next of XX/XX/XXXX I received another letter from Resurgent Capital Services informing that under NY State law I have the write to request substantiation of abovementioned date, of which they list my last payment date as of XXXX received another letter on XX/XX/XXXX from Resurgent Capital Services informing that they have initiated a review of the inquiry " they recently received ''. I never requested any information from Resurgent as this case had been settled due to identity theft as far as I knew ... .they sent statements supposedly sent to me in address that is not mine! Lastly on XX/XX/XXXX I received another letter from Resurgent Capital Services informing that they had received a recent inquiry regarding the abovementioned account and have enclosed a summary that provides verification of debt. THIS OFCOURSE IS INACCURATE ... .and is harassment. I do not owe XXXX as I filed complaints/inquiries with this agency as well as XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSWORLD SYSTEMS INC
State: IL
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 keep disputing a debt collection listed on my XXXX  report. It shows that Trans World Systems collection for as of today {$24000.00}. However this was put into a bankruptcy, that included an adversarial hearing which included TWS. This account should be listed as included in bankruptcy and not a collection account. XXXX  and XXXX both removed this account from my credit report. The only one that will not is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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: Old information reappears or never goes away

Complaint:
I have an account showing on my credit From XXXX XXXX XXXX which is showing as having a last payment on XX/XX/XXXX. This account was paid off in XXXX and there has been no activity on it since. This makes it past the statute of limitations, as that was over 7 years ago. This account should no longer be showing on my account at all, and should especially not be showing it with the wrong dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX, I am writing this complaint on my own behalf their are no third parties involved. I have been a victim of identity theft, and there are still remaining fraudulent accounts listed on my credit report that are delinquent, and have been furnished to my report without my written nor expressed permission. This is a large issue, to be presented to Experian due to the continued efforts on my end to have each of these accounts removed and resolved at once. The accounts I have disputed these fraudulent accounts that are in my name over 7 times now and theyre negatively affecting my credit file. The following accounts on my Experian report need to be removed : XXXX XXXX {$6100.00}, XXXX XXXX XXXX XXXX XXXX {$4000.00}, XXXXXXXX XXXX - {$3000.00}, XXXXXXXX XXXX XXXX {$5400.00}. Not only are these accounts fraudulent but these same accounts are reporting completely inaccurate information acrossed all three consumer reporting agency reports. It is the responsibility of Experian to be reporting 100 % completely accurate information, and at this time, they are not doing so. This is breaking the law, and preposterously making use of my credit file to illegally furnish said accounts that ARE NOT MINE.

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 2023-04-15
Company: Diversified Recovery Bureau LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX @ XXXX there was a message left by a rep stating they were calling from XXXX which is my landlord to call them. I have been experiencing issues with my residence and was waiting on a callback from them. Come to find out it was Diversified Recovery Bureau. Not sure what the debt was but the rep was rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! 

This is unacceptable! Please remove this account right away.

Company response to consumer: Closed with explanation