BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-01-31
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX seems to be utilizing a very deceptive practice where they show the option of bi monthly payments within an amortization calculator to show how this option will help payoff a loan faster. With this in mind it appears that this is a great option and it will save you money, however in reality the lender is holding the first monthly payment as unapplied funds and is not actually applying the payment to the loan. See the attached screen shot of the payment activity on my loan so you can observe what they are doing with the payments. I called and spoke with BSI and asked why are they holding the payments and not applying them to the loan balance? They said they dont do this and there is no option for them to applies these payments, they must hold the payment until the amount received reaches the payment amount and then it gets applied to the loan balance. Is this practice legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Bull City Financial Solutions, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that Bull City financial Solutions verify my debt to them. I requested a copy of my signature from the provider showing my request to release information and it was not provided. They sent me documents that had medical and personal information that I believes violates HIPAA. I have sent another letter today requesting paperwork with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2023-05-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXXXXXX 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-05-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian : Note : Violation of FCRA 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 1. XXXX  XXXX Account Number XXXX this account was never delinequent/ late ; report all on time payments or remove immediately. ( provide method of verification of balance and all payments )- Experian has neglected to report any payment amount/balance amount history. Several payments over {$500.00} were made to this account that are not being reported accurately. 
-This report is not aligning with the other credit bureau reports, it is illegal to neglect to report on time payments to any consumer account also it is fraudulent to not verify effectively to make sure this information matches the other credit bureaus, this has caused severe distress and financial strain.

- Balance history is missing ; how can Experian report a balance is owed without verifying the balance history amounts since beginning of the account.

2. XXXX XXXX XXXX Account Number XXXX ( actual open date was XXXX not XXXX this is fraud to report this error. ) -Experian Neglected to present what means of investigate processes were taken to verify these accounts accuracies. 
-This account as been re-aged, this account is showing the INCORRECT open date. 
( incorrect account number, how can you verify this account belongs to me if Experian does not report this accurately ) -This acct is being reported fraudulent past statue of limitations and is a FCRA violation by Experian and XXXX XXXX XXXX has reported illegally misinformation by changing the last activity date causing this acct to re-age drastically affecting my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: NY
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 have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately.Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I received a deposit from XXXX XXXX  In the amount of XXXX dollars into my personal Navy federal account. Funds were directly deposited and clear for spending however XXXX has decided to deny me the funds. Stating that bc I didnt deposit them into a business account they will not release them, and are sending them back, against my wishes obviously and the lender. I showed them proof of my identity and of the loan and they still have yet to release the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized inquiry

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 2022-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: 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 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 2023-11-19
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 disputed bankruptcies on my credit report with XXXX, Equifax and XXXX credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. XXXX, Equifax and XXXX has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was XXXX  at the time that these bankruptcy were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
15 USC 1681 a Inaccurate information on consumer reports every reporting agency should have correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
15 USC 1681 a Inaccurate information on consumer reports every reporting agency should have correct information

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 2023-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Name of Account Account Number Provide Physical Verification XXXX No Late Payment XXXX XXXX - XXXX Unverified Account DEPT OF ED/XXXX  ( XXXX ) Unverified Account XXXX  XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account XXXX XXXX  XXXX XXXX, GA XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Unverified Account XXXX XXXX XXXX XXXX, GA XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX, GA XXXX Unverified Account

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 2022-05-17
Company: Experian Information Solutions Inc.
State: KS
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:
The Credit bureaus stated that my XXXX XXXX account # XXXX was properly investigated but how is that possible when the Last Verified, Date of last activity, Date reported, Date opened, Account Rating, Creditor type, term length, account type, and account type. This ground is for removal and they have also violated my rights under 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 everything has to be 100 % accurate on my credit report 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer report 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 explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning incorrect employers and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information 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 explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX and XXXX removed the XXXX XXXX collection item from my credit file because this account is not mine nor do I ever had knowledge of this company. This account should be deleted from my Experian report also. Thank you for your 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 2023-01-21
Company: Experian Information Solutions 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 had an account, that I have disputed multiple times with XXXX XXXX and the late payment they are inaccurately reporting on both of my accounts and continue to reflect on my credit report. Although it was assigned to someone who was supposed to investigate further after I filed a XXXX report, they never corrected the late payment on my report. On XX/XX/21, I made a payment of XXXX, which took care of the amount due for XXXX on account ending in XXXX and XXXX on that same date for account ending in XXXX. The month of XXXX, I was switching bank accounts, which cost me to not be able to make payments for that month. I did not make another payment until XX/XX/XXXX for both of those accounts, which were paid in full, however would have caused me to be more than 30 days late for the month of XXXX and not yet for the month of XXXX. The due dates for XXXX was XX/XX/XXXX and XX/XX/XXXX. 
I was more than 30 days late for the month of XXXX and only about 12 days late for the month of XXXX. By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due for the month being reported as late. I have disputed it with all the bureaus and rather than do the right thing, they are continuing to validate the inaccuracy as 30 days late for XXXX to MALICIOUSLY cause harm to my credit, rather than reflecting the true status of the account. Since XXXX XXXX is refusing to report accurately I would like this tradeline removed from ALL of my credit reports before my only option left is to engage not only the State Attorney General, but a FCRA attorney. IF they decide they would like to keep reporting GROSSLY INACCURATE information.

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to remove the fraud alerts from each bureau but have been successful in reaching. The fraud alerts need to be removed.

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