BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To Whom It May Concern Credit Card Reporting Department : PLEASE CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX. ON EXPERIAN NOTHING IS BEING REPORTED AT ALL. IT IS LISTED AS OTHER ACCOUNTS AND NO STATUS FOR EXPERIAN. I HAVE CALLED BUT HAVE GOTTEN NO WHERE OVER THE PHONE. PLEASE CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) to current. The last time this account was reporting according to XXXX records was XX/XX/2023 in the month of XXXX. As I am writing this today, today 's date is XX/XX/2023. It has been over 3 month 's since this account XXXX  XXXX XXXX XXXX account : XXXX has been reported. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but XXXX have failed to update my report to current. I have spoke with XXXX XXXX XXXX XXXX, and they said they have been reporting since XXXX all the way to the month of XXXX, but when I check my credit report, the last report date is XXXX. Please correct this error. This is Defamation of Character and if you do not update my credit report with XXXX XXXX XXXX XXXX account : XXXX PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX, UPDATE MY REPORT TO CURRENT DATE. REPORT CURRENT INFORMATION. 



Thank you for your time and help in this matter. Sincerely, 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 explanation
Consumer complaint received 2023-06-16
Company: Source Receivables Management LLC
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:
I called XXXX and spoke with XXXX, who asked me for my account number at XXXX. I did not have my phone number, but I had the account number that the collection agency had given me, XXXX. He stated that the information was not correct and that I would need to answer security questions. I told him I did have that information, only the information that was given to me by a collection agency. I told him I did not understand why I would receive a bill now when I did not receive one when I transferred to XXXX. But now that I am not with XXXX now, I have a bill that I am not aware that I owe. He told me if I could not authenticate my information that, I had to contact the collection agency, and that was all that he was able to do since the account had gone into collection. I asked him if there was anyone else I could complain to. I want to do that. He stated I would have to contact the collection agency if I needed assistance. I attached the information from the agency, and I recorded my call with the agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: MA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 2023-02-10
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
Had the company to run my credit report I gave them authorization to do so in XX/XX/XXXX and also XX/XX/XXXX. Looking on my credit and its showing the hard inquiries and they ran it in XXXX and XXXX of XXXX when I only was aware of the months I stated in the beginning.

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 2023-03-10
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
We are in disagreement with Bank of America Home Loans on the denial letter for a loan modification received on XXXX XXXX, 2015. We believe that Bank of America is not acting in good faith on making this decision in our loan. Based on our current financial situation, we qualify for a modification under the Hamp Program Tier 1. We believe that we meet all qualification requirements for this program. In addition, The Net Present Value Data Input and Values Chart used Bank of America to disqualified our loan modification application is based on high predatory lending rate of 7.5 % when the current mortgage loan interest rate available on the open market is less than 4.5 %. Moreover, Bank of America stated that we have poor credit score, which is not the case because cur based on Bank of America NPV report our credit score is XXXX. In today 's credit score requirement any person can qualify for a XXXX XXXX, or FHA loan with less than XXXX score. We are here appealing Bank of America 's denial decision in our loan based on the above grounds, and we ask the Bank of America comply with all Federal, State and Local laws, and provide us with this information. We will submit copy of this complaint to Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: OK
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXXXX/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 2016-07-29
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Navient has been calling my relatives and they even called our next door neighbor to talk about our student loan debt trying to contact us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2018 I attempted to freeze my credit with the three major credit bureaus as a precautionary and preventive measure. XXXX  and XXXX XXXX were not a problem and completed online. Equifax would not let me proceed and required me to call. I talked to two people and they would not freeze my credit. They asked questions such as the month and day the last time I disputed my credit. Like I know that kind of information ... They said I have to send a copy of my social security card and drivers license which I am uncomfortable with doing. My complaint is the other two credit agencies have a process online of controlling my own credit and Equifax is painstakingly difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX the credit bureas and self income Claimed they did an investigation But that can be possible when I never have written permission!!!!!! 

XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX - XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 520 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2018-12-28
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted US Bank in XX/XX/XXXX in regards to fraud charges on my credit card. I told the representative that there was a a long list of fraud charges on this card. About 62. I listed them individually. However, as time passed, I got a few letters with refund for about a few of those charges and I have not heard from US Bank again since XX/XX/XXXX about the rest of the charges or any final resolutions.

In addition, they sent me a few new cards .... and they all seem to relate to this account. So now in addition to not being addressed properly about the fraud charges, I have in my possession several different credit cards and I do not know which one is which or which refers to this account where the fraud occurred. 

Attached is the list of fraud charged. I have been calling US Bank trying to resolve the issue with no resolution. This bank is truly the worst.

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 2023-02-14
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-01-25
Company: EQUIFAX, INC.
State: GA
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:
When I try to logon to my MyEquifax.com account it gives me an error message, I am unable to access my Equifax credit report for about 4 months. I have given Equifax multiple calls and emails to their support team about the issue, but no one gets back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off on the XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score.  These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-09-13
Company: NCB Management Services Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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: Information belongs to someone else

Complaint:
Experian- Is reporting XXXX XXXX on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting XXXX XXXX they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as XXXX, which alerts lenders of my race based on the first number being a XXXX or XXXX, so I've been told by a Bureau expert. 
I need these items removed from my report. 

Thank you

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 the date of XX/XX/22 I mailed a letter to Transunion disputing several accts that had erroneous information on them, which are hurting my credit score & are subsequently in direct violation of the Fair Credit Reporting Act. Transunion received this letter on XX/XX/22 & responded that they would not conduct an investigation because they claimed I had a " third party '' acting on my behalf WHICH IS A LIE. Also it is not against the law. On XX/XX/22 I mailed my response that I did not have a third party acting on my behalf & that I wanted a full investigation into the inaccurate accts. They NEVER RESPONDED which is against the Law ( FCRA ). Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is hurting my credit score & in direct violation of the FCRA : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I have given Transunion more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They refuse to do so. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.

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