BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe were reported in violation of various consumer protection laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts and details are reported on my credit report : XXXX XXXX XXXX XXXX - late payment account XXXX - collection account XXXX XXXX - collection account XXXX  XXXX XXXX XXXX - charge off account XXXX XXXX XXXXXXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX - collection account XXXX - collection account I am disputing these items on my credit report because I believe they were reported in violation of several consumer protection laws. The creditors have failed to provide me with the proper notices required by the law, failed to investigate my disputes, and failed to report accurate information. 

For instance, the late payment account reported by XXXX XXXX XXXX XXXX was an error on their part. I have made all payments on time, and the late payment should not have been reported. 

Additionally, the collection accounts for XXXX XXXXXXXX and XXXX were reported without proper validation of the debt. I have requested validation of these debts, but have not received any response from the creditors. 

Furthermore, the charge off accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were reported inaccurately. The debts were paid in full, but the creditors failed to update the information on my credit report. 

In conclusion, I request that these items be removed from my credit report immediately, and that the creditors comply with all relevant consumer protection laws. Please provide me with a written response regarding the investigation of these disputes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/16 : received a bill in the mail for my real estate property taxes, half 1, in the amount if {$1000.00}. I have been paying into my mortgage with VHDA from my monthly payments and so my property taxes are supposed to be paid by my lender. By me getting this bill, I can only assume they have not paid them for 2021 year. This lender has been paying my property tax for the past two years. I have not changed lenders, I have not refinanced my house, nothing has changed except I switched insurance companies for my house. I do not understand why I am getting this bill when I have not received one before. They have always been paid by my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
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:
I am the victim of identity theft and fraud. FTC Report Number : XXXX I sent out 605b and Notice to Furnishers 67 days ago informing all parties of the activities. 

While XXXX has made some effort to make corrections they have not made all of them. 

Similarly Equifax has made some corrections, but not all of them. 

XXXX has made no effort. In fact, unless I pay them XXXX XXXXm unable to even obtain my credit report directly from them. Similarly, during the worst of the fraud that peaked over a weekend, they stated they could only lock my credit if I paid them a {XXXX fee. To this date they are difficult to work with, to the point I have had to copy and paste sections of the FTC report into my public comments to show proof to potential lenders that I am at my witts end notifying them and they simply deny that I am and typically hang up on me. I have over 20 recorded phone calls to them and although I realize the calls are not admissible in court, they offer some satisfaction that I have some level of evidence of their disregard for consumer data. 

Credit inquiries I have disputed and the bureaus have not removed/removed all of ( in addition they have failed to provide the names of persons spoken to, the dates and times they allegedly spoke to them, the organization 's name spoken to, copies of my signature authorizing these inquiries, or ANY evidence they even did a legitimate investigation other than Equifax somehow magically finishing their investigations on the same day I disputed the inquiry ... even if I disputed at XXXX at night! XXXX : XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Addresses I have disputed within the FTC report to no avail or detailed evidence of investigation provided including my signature as proof the account is mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: RI
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:
Experian has violet my right with this account still reporting no accurate or 100 % verify please I need take action under laws fcra I have right I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
XXXX XXXX account # XXXX this account still reporting monthly when is charge off is considering income this income dont reported in credit burues XXXX XXXX is fraud account result identity theft

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
TransUnion is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.

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 2021-05-24
Company: Neighborhood Autos, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I purchased a XXXX  XXXX  XXXX  and currently have a XXXX XXXX  from Wise credit LLc they have only reported my payments to one credit bureau which is not effectively building credit resulting in no credit score at all on two bureaus - this needs to be reported to call CBR 's to help my credit profile and is my right as a consumer

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: DCI Credit Services, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My job got a wage garnishment summons in early XXXX. I did not see the original complaint against me, nor was any court documents sent to me to defend myself. But be as it may, my job honored the summons and {$1200.00} was garnished from my paycheck in XXXX XXXX. 

I just got another garnishment decision being submitted to my bank for a sum of {$520.00}. I called DCI Credit Services , INC ( in North Dakota ) upon receiving this notice. I spoke to someone on the phone requesting the initial decision amount and I was told it was $ XXXX. I am even skeptical of this amount, as I never got any garnishment notice or court decision prior to XXXX. And even if the original amount is correct, how did ( $ XXXX - {$1200.00} ) become {$520.00}. 

I believe DCI Credit is collecting a debt that has been collected in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 


Names on Credit Report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Addresses on Credit Report : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Ct XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXr, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Ct XXXX, NC XXXX None None NC XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Numbers XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I mailed you a letter asking you to verify information on my Consumer Report in which I have added proof that whatever method you used to allegedly verify this item was invalid. 
I mailed you a letter on XX/XX/2021 which was my 2nd Letter about the Bankruptcy. This is my 3rd Letter for this issue. The XX/XX/2021 was about the your process was not valid due to me going directly to the company and them saying they dont and was not able to verify the item. After that, your response was it was verified without sending me any documentation or proof of how you verified and any actual investigation. I attached the bankruptcy letter from the Courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: MO
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:
This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance {$990.00} XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX Balance - Bankruptcy chapter XXXX Reference Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX NETWORK ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter to remove any items that 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 items or information not later than 4 business days after that Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5500.00} ( XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX & XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, account and # XXXX has violated my rights. 

15.U.S.C 1681 section 602 A : states the rights to privacy 15 U.S.C 1681 section 604 A section 2 : 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 2023-02-09
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:
When I reviewed my credit report again, I discovered that some of the accounts were erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXX Balance : {$800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$620000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}

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