BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following XXXX XXXX credit card account : XXXX currently listed on my XXXX and Equifax credit report is a lost/stolen credit card account and card. XXXX XXXXXXXX credit card is lost/stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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 XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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:
Account has been paid. Portfolio Recovery Associate promised to delete this tradeline from my credit report, not just update as paid. Please DELETE, as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
I have a collection the i do not recognized. They reinserted on my credit report. I have write XXXX multiple times and no solution.

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 2023-02-28
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:
I filed a dispute with Experian ( Report # XXXX ) because they have allowed XXXX separate collection agencies to file negative entries for the same debt with XXXX XXXX XXXX XXXX I'm not disputing the debt, I'm disputing Experian continually allowing multiple collection agencies to post the same debt. XXXX XXXX  did so on XXXX XXXX XXXX then they sold this debt to XXXX in XXXX of XXXX  who dinged my account. Now XXXX has sold this same debt to XXXX who dinged my account in XXXX XXXX 

I filed a dispute with Experian but they did not investigate my issue with them, rather they just confirmed that XXXX posted the negative comment. I called Experian and spoke with XXXX, Dispute XXXX ( wouldn't provide a last name or employee number ) who told me Experian does not entertain any complaints or dispute against themselves. XXXX said this would take 7 years to clear but the 7 years will never happen if every six months it starts over again with a new collection agency There is no Complaint Dept., no manager, etc., I could speak with. Pretty much said Experian could do no wrong and has no responsibility to the consumer for anything they do or don't do. I don't believe it is right for Experian to keep allowing this. If this debt is sold 10 times, I will be dinged 10 more times for the same debt. This can't be right- please help.

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 2022-04-12
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: Personal information incorrect

Complaint:
My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license and statements for your reference. For the record : 1. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY as they are not accurate! 
2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( XXXX ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX / XXXX / {$240000.00} XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 then records of convictions of crimes which antedates the report by more then 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Personal information incorrect

Complaint:
My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license and statements for your reference. For the record : 1. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY as they are not accurate! 
2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( XXXX ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my report incorrect information is being reported to my personal credit file. The XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed. XXXX XXXX XXXX Inquired on XX/XX/ 2022, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX  XXXX XXXX : XXXX. XXXX, 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 US bank decided to close my account for no reason. I told them I had a direct deposit coming in from treasury department for my social security payment. They explained to me over the phone that my account wouldnt be close. On XX/XX/2023 I went to US bank at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States to access my money that came in from my direct deposit. At this time they wouldnt allow access to any of my money and said my account was being closed. I explained to them I was facing eviction that I needed access to my money. Furthermore, they wouldnt provide me any documentation stating my account would be close. I trusted US bank with my money, and I feel they are being negligence with my account and my money. Please help me hold them accountable.

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 2023-03-06
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance mortgage loan with Rocket Mortgage on XX/XX/XXXX. The mortgage broker XXXX XXXX refused to utilized all my income and W2s due to the amount of time it would take to verify employment. Rocket ended up denying me for unstable income. They did not send me any letter of denial. I then decided to try again with another lender XXXX XXXX. XXXX XXXX approved me for the same refinance home loan. While trying to approve my loan in the FHA system XXXX XXXX was stopped by FHA because Rocket logged unstable income into the FHA system. XXXX XXXX requested that I contact XXXX to have this updated. I called rocket several times and spoke with XXXX XXXX in executive customer care. She also sent me a copy of my denial letter in which I am attaching. She stated they will not remove the rejection and advised I was denied for unstable income. I have been on my main job for over 12 years. I also work several contact job to boost my income and have done so for the past 6 years. I felt Rocket discriminated against me because I did have multiple jobs and did not due their due diligence to get me approved for the FHA Loan. Further more marking in the system that my income is unstable is not true. Based on my W2. my AGI for XXXX was XXXX for XXXX XXXX and XXXX XXXX. Rocket utilized their overlay rules in which they are entitled to do but those rules should not affect FHA Approval. XXXX advised that the new lender would need to resolve the unstable income claim. I requested a detailed letter of the denial reason or if their underwriter can place the reason in the FHA system so my new lender can address and XXXX refused that as well. So here it is I have a denial credit reject in the FHA system with no details. XXXX is refusing to remove the reject, they are also refusing to provide specific details on the reject.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2023-03-06
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting a repossession on my credit reports that is inaccurate. I sent XXXX XXXX  a letter requesting validation of this debt and all documents attached to this account. Here is the tracking to prove it # XXXX XXXX XXXX XXXX XXXX. In return of the letters I received, nothing they sent me matches to the information they are verifying on my credit reports. Not only are they verifying inconsistent information to each credit bureau but they are also reporting a balance they say I owe that is invalid, as well as the last reported date of payment and activity on this account. It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX violated my rights under the Fair Credit Act by reporting negative transactions in my consumer report.At no time has he shown me any type of document that supports those negative transactions that are seriously affecting me. This is not the first time I have to tried to resolve the matter. ( XXXX XXXX XXXX XXXX XXXX ) File Identification Number : XXXX XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: CURO Intermediate Holdings
State: DE
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:
Obtained copy of consumer report and noticed unauthorized accounts and inquiries I submitted a ftc report I am a victim of identity theft and i am demanding removal of accounts and inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: OH
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 ( FCRA ) ; XXXX XXXX has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I consider this fraud and plan on suing XXXX XXXXXXXX XXXX for fraud and falsification of information if this doesn't get resolved. XXXX XXXXXXXX XXXX keeps changing and falsifying the date of last missed payment so they can collect from me. According to the FCRA, Negative information must be removed from your file after seven years. XXXX XXXXXXXX XXXX keeps changing date of my last payment on my credit report so they can keep collecting, when the date has way over passed since XXXX -XXXX I AM PROVIDING PROOF with this document that the last missed payment was XX/XX/XXXX. which still should mean 7 years since VERY last payment and that I didn't bring my account current since then. it should be DELETED from my report. please view attached document which proofs this! falsification of information is not right bc it is affecting my consumer rights and finances when trying to buy a home! please view attached document

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 2020-03-27
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 IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA ; s. 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