BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This writer submitted a dispute to Experian on XXXX. And a follow-up correspondence from Experian they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from Experian to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that Experian would need any further information however has agreed to provide that information to Experian for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing Experian to Block the Following two accounts from being reported as they are result of identity theft XXXX  XXXX XXXX Acct # XXXX and XXXX/XXXX  XXXX  Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell Experian has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with XXXX XXXX XXXX Police Dept. Both reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the 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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX XXXX XXXX XXXX account shows mised payment on credit reports should be fixed asp fnd enclosed a letter from XXXX XXXX XXXX  says they sent credit reporting agencies message to fix the XX/XX/2021 missed payment all other reports are corrected but not transunion ..transunion still shows mised XX/XX/2021 payment on report.. 

Please fix the issue

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 2021-05-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I like to close my Barclays XXXX account. The bank refusing to close my account. This is related to my previous complaint on how the bank put restrictions on my account and locked me out - XXXX They are pretty much harassing their customers with extreme policies and enforcement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In a recent review of my credit reports, I found a " Collection '' account being reported to all three ( 3 ) credit reporting agencies in the name of XXXX XXXX XXXX. I contacted the company and all three ( 3 ) credit reporting agencies seeking " Validation '' and to inform them that I do not owe this debt, I do not recognize this debt and that my Consumer Rights have been violated. I received no notification of investigation from the credit reporting agencies, only to show that this " Collection '' was disputed by consumer and meet the FCRA requirements. The company itself has yet to provide me with any information. Furthermore, pursuant to the FDCPA Regulation F, this company has violated my rights by not adhereing to the follow law : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. The credit reporting agencies has allowed this and along with the company are breaking the law. They are willfully placing a negative, unverifiable account on my credit report without any proof that this alleged debt belongs to me.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've previously disputed that this Bankruptcy account from the XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and they have told me that they don't report to any credit Bureaus. I then told XXXXXXXX XXXX that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer.

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 2021-12-27
Company: Experian Information Solutions Inc.
State: PA
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:
After communicating with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX team XXXX  days later. He sent me over a contract with the signature that is NOT mines also the address is incorrect. This erroneous contract did not have my apartment number on the contract the debt they claim I owe. I tried telling them that multiple times to delete this invalidate dept from my credit report neither creditor or Experian, XXXX and XXXX failed to comply. I wanted this account deleted my account immediately after I realize its on my credit report in addition of these agency is in violation of 15 USC 1692g.

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 2021-12-27
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In case number XXXX, Shellpoint falsified documentation to XXXX XXXX. Shellpoint falsified that my payment on XX/XX/2021 was for my second XXXX trial payment in unethically make it appear as though I did not complete the trial modification. 

This complaint is about their falsifying information to XXXX XXXX. The reason they did it is because after I successfully made all three trial payments they claimed to have returned the third trial payment. 

XX/XX/2021, I paid {$1000.00}. The amount on the offer letter. 
XX/XX/2021, I paid {$990.00}, the trial modification amount on Shellpoint 's official statement. I asked Shellpoint to clarify the difference. Shellpoint refused to respond. But, Shellpoint cashed the check and did not say it was short. 
XX/XX/2021, I paid the {$1000.00} plus the {$22.00} difference for XXXX since Shellpoint never responded. After I was able to make the payments that they did not think I could make, then they went to plan B. 

For paying their statements and making up the {$30.00} difference, Shellpoint revoked my trial modification. In an attempt to hide how predatory and unethical they are, they falsified to the XXXX XXXX that I did not make all three trial payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM CONCERNED ABOUT THE LACK OF ASSISTANCE I HAVE RECEIVED IN REMOVING THE CHARGED OFF ACCOUNT FOR XXXX XXXX XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING THIS NEGATIVE ACCOUNT, I AM INSULTED BY THE INCONSISTENCIES THAT HAVE BEEN PERFORMED BY THE AGENCIES. I NEVER RECEIVED A RESPONSE FROM ANY OF THE AGENCIES AND I AM VERY UPSET AT THE FACT THAT NOTHING HAS BEEN DONE ABOUT THIS MATTER. I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE. I HAVE GOALS I WANT AND HAVE TO ACHIEVE, THIS IS DISABLING MY CREDIT REPORT, AND SADDENING MY SCORES AS I TRY TO PURSUE PROGRESS. I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING.

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 2020-05-24
Company: Experian Information Solutions Inc.
State: NH
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 sued XXXX and won over 5 years ago in XXXX Nh District Court. In the agreement this information was to be removed from all reports Experian has not done this I have all copies of my suit and agreement this information was 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 explanation
Consumer complaint received 2023-04-28
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the fair credit report act, the list of accounts below has violated my federally proted consumer rights to privacy and confidential under 15 usc 1681. 
XXXX XXXX XXXX XXXX account : XXXX 15 usc 1681 section A. States have rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 usc 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 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: CT
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:
I have had a business credit card in my business ' name since XXXX/XXXX/2016, yet it has NEVER shown up on my business credit card rating. My XXXX XXXX XXXX shows NO lines of credit. I use this card every month and have done so since 2016.

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 2022-12-07
Company: EQUIFAX, INC.
State: NV
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:
1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and myFico because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS.

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND EQUIFAX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went to court with Bank of America and the outcome came with no judgements ( see Part 1, proof of court hearing ). The purpose of the hearing was bankruptcy and foreclosure of the house. Afterwards, I went to XXXX XXXX XXXX U.S. Bankruptcy Courthouse, XXXX XXXX XXXX XXXX, South Carolina  to determine evidence of bankruptcy and foreclosure. No evidence of bankruptcy, liens, or foreclosure was found ( see Part 2 Bankruptcy, exhibit 1b. XXXX XXXX Bankruptcy Certification Verifying Creditor Matrix ) No real estate listed ). The lack of evidence for a bankruptcy, lien, or  foreclosure is congruent with my credit report ( see Part 2 Bankruptcy, exhibit 2c. XXXX  credit report XX/XX/XXXX and exhibit 2a. Credit report XX/XX/XXXX. Also, I received from the bankruptcy department a discharge from the loan Bank of America, Bankruptcy Chapter XXXX and others ( see Part 3, exhibit 2a. Credit Report XX/XX/XXXX ). This greatly impacted my credit for a long period of time. The lien appears against with the property. 
The bankruptcy department that sent me the discharge also sent information regarding the discharge of bankruptcy Case No. XXXX ( see Part 2, exhibit 1a ). These liens are still showing against with the property ( see Part 4 exhibit 6a, 6b, and 6c ). This debt was not listed as one of the debts on my bankruptcy. I have supplementary evidence to support that I dont have a loan in my name. The South Carolina Housing Department declared Applicant is not a debtor on the mortgage. An employee at Bank America determined that I do not have a loan in my name as well. ( see Part 5, exhibits 4a, 4b, 4c, and 4d ). Bank of America reported to me in a letter that I am part of home loan modification program, when I called the home to verify this information the SC HELP Appeal Request, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I was told no information in my name appeared. 
Also, I have submitted a copy of my title to real estate given to me on XX/XX/XXXX. Based on the amount of bankruptcy the debt was increased to a point greater than market value so the title was granted to me ( see Part 6 exhibit 3a Title to Real Estate, 3b Tax Notice, and 3c. Record of the lot ). Attending court for these matters was a confusing and stressful experience, I continue to try to cope with the stress to this day. Please review the evidence above.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: TX
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 was shocked when I pulled my credit report and saw fraudulently credit card accounts where open in my name. 
It also has incorrect personal information on it, such as my multiple names, addresses, birth year, and phone number and social security number. 
I have called, mailed, and disputed online and XXXX, Experian, and XXXX still have not remove the fraudulent items from my credit report. 
I never opened XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX. 
I do not have any knowledge of any of these accounts on my credit report. I never authorized any of these credit cards to be open! 
At the time some of these accounts where open I was only XXXX XXXX XXXX. I have called, mailed, and disputed online and they still have not remove the accounts. 
I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Hello guys, I have been disputing accounts with the credit bureaus and they have not given me an answer on the status of the disputes. 

And also notice that they indicate that " They have not been able to verify my identity '' when from the beginning I have sent them all the required documentation. 

I want them to open an investigation immediately with the accounts they are reporting to me. And I don't want them to keep playing with my time by insinuating that I'm not the one disputing my accounts.

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 2021-08-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There were several transaction made through XXXX ( unauthorized by me ) very suspicious and the bank didnt catch them. Six transactions in one month I didnt see until too late. I disputed through the bank and they respectfully denied my claims. They were sent to a fake person and the bank can not tell me what device this money was transferred from. This has previously happened to me and the money was compensated because they determined it was indeed fraud. I have been hacked thru two banks and XXXX credit. And wells Fargo is the only bank whom has denied my claims. I am very unsatisfied with the outcome as I have lost XXXX $ in just a months time.

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 2021-02-24
Company: EQUIFAX, 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:
Equifax has yet to update my information on my credit account. To them, I practically dont exist. XXXX and XXXX were able to update my information no problem. I sent in documents requested by Equifax by mail to establish my identity and they sent me a postcard saying that they could not find my account due to no credit history. I have called my lenders and they said they have reported to all three bureaus. Due to this, I fear my personal information has been mishandled by Equifax and I have been given the runaround by them every time I have called. I stay hours on end on the phone with them to no avail.

Company response to consumer: Closed with explanation