BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
am writing to formally dispute a late payment entry on my credit report for the account XXXX that appears on my credit report with your agency. I recently discovered this entry, and I am requesting your assistance in validating the accuracy of this information in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

I assert that I was not notified of any outstanding balance of the aforementioned account with XXXX XXXX. According to the FCRA, it is the responsibility of the creditor to provide accurate information and to notify the consumer in case of any outstanding balances before reporting negative information to credit bureaus. I have never received any communication regarding the outstanding balance, and I request that you investigate this matter promptly. 

In light of the above, I kindly request the following information to validate the accuracy of the reported late payment : 1. Verification of the debt : Please provide detailed information regarding the debt, including the nature of the debt, the original creditor, the outstanding balance, and the date of the last activity.

2. Proof of notification : Please provide evidence that I was duly notified about the outstanding balance before it was reported as a late payment to the credit bureaus. This may include letters, emails, or any other form of communication sent to me.

3. Documentation of the late payment : If the late payment is accurate, please provide documentation proving the validity of the late payment, including dates and transaction details. 

I understand that under the FCRA, you have 30 days to conduct an investigation and respond to this dispute. I also request that, during the investigation, the disputed information be marked as in dispute on my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

I appreciate your prompt attention to this matter and expect a thorough and accurate investigation. Please send me a written response outlining the results of your investigation and any actions taken to correct or remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-08-27
Company: EQUIFAX, INC.
State: AL
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 Account # XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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 am writing to submit a dispute regarding several items on my credit report that are incorrect. On XX/XX/XXXX, I contacted Experian about these inaccuracies, but to date, I have not received a response. Therefore, I am submitting this complaint to the CFPB for further review. 
The following are the items on my credit report that I am disputing : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4700.00} ) account - The reported Balance of {$4700.00} is inaccurate, and I do not recall owing such a high amount. The account is closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I request that your bureau verifies the account, and mark it as disputed until the matter is resolved. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 
COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) account - The Balance of {$1700.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower amount. I dispute the whole account and request that you verify the Date Opened and Date of First Delinquency. 
COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ) account - The information presented on this account is inaccurate. The original creditor on this account is a distinct company than the one you indicate. The Balance of {$2400.00} is erroneous, and I dispute this account. I also request verification of the Date Opened and Date of First Delinquency. 
XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) account - This account is not mine, and I request that you remove it from my credit report. 
XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) account - The Balance of {$470.00} that you report is inaccurate, and I believe it should be a lower amount. This account is closed and charged-off, and the Past Due amount should not be presented. Please mark this account as disputed, and verify the Date Opened, Date of Status, and First Reported. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) account - The Balance of {$1900.00} is higher than the amount I remember owing. This account is closed, and the Past Due amount should not be provided. I request that you report the account as disputed while I attempt to resolve the issue with the creditor. 
XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ) account - The Balance of {$690.00} is higher than the amount I remember owing. This account is closed and charged-off, and the Past Due amount should be removed. Please mark this account as disputed until the reported data is clarified.

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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I viewed my report and discovered there were unverified accounts. I reached out to bureau and it was not corrected. here is the item : 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 2023-04-20
Company: Carvana Group, LLC
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I ordered car online today XX/XX/2023 vehicle promised available to be picked up tomorrow XX/XX/2023 in XXXX NM from retailer Carvana. Down payment on XXXX advertising at {$0.00} down then after initiating purchase down payment goes up to XXXX XXXX Usc 1662 B violation Of truth in lending act # 1. After completing purchase car is suddenly available a week later then original date- TILA violations # 2 misleading and misrepresentation. Then I proceeded to sign Retail purchase agreement contract wich after reviewing contracts noticed all paperwork post dated 1 week in future with only actual documents indicating actual date signed is the 7 day return policy contract making 7 day return window consistently intentionaly expired on date of delivery making cars essentially no longer eligible for return- Truth in lending violation # 3. Also Carvana is not even selling used cars in wich they poses title for in state of NM used dealers must own vehicles sold title on site XXXX and Carvana not conducting buisness according to state law. Additionaly You can pay for a vehicle on Carvana website and vehicle is still offered. For sale by XXXX after giving Carvana over XXXX XXXX dollars. My newly purchased XXXX is still listed for sale at XXXX right this very second meaning XXXX could potentially sell my car before I get a chance to take delivery or some random person could potentially take car I just purchased out on test drive etc. Im not an expert but pretty sure that they are not operating lawfully under Truth in lending or FCRA standards. Extended me credit until I complained then revoked offer of credit before offer expiration. Contracts say it all. Unable to load contracts so I am going to submit another claim so that contracts may be attached to this complaint be advised I am making additional complaint to attach contracts not duplicate claim is to be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account # XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2020-08-18
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have used my PNC Smart access card for years, they have put XXXX dollar worth of fees on my card they used to charge between XXXX cent XXXX cent for foreign transactions but recently they have charged me XXXX to XXXX cents every transaction, They blame the merchant and the merchant blames them considering the fees were taking from my account its PNC who is doing this. I think it is robbery to charge someone fees every time they use their card. I already pay a fee to have the card every month. I have reported them to the XXXX   now I am telling you. PNC does not care about their customers and even if they do charge fees this is during COVID 19 they really shoudnt be charging customers any fees during this time if they had any human compassion!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with Mr Cooper for refinancing of 3 mortgages First loan : XXXX XXXX XXXX # XXXX Started process in XX/XX/2020 process took much longer than expected originally had 2.75 % interest rate with {$7000.00} lender credit and loan was conditionally approved after sending them all the requested documents and any additional documents within 48 hrs of request. 
due to the delay and long process on Mr cooper side, lender credit has changed and they do not offer that credit anymore. 
one of Mr cooper requirements was a Subordination letter from the HELOC loan ( XXXX XXXX  ) which cost me {$250.00} Tried to call loan processor, underwriter, their manager and no answer or call returns. 
I started working with another lender to stop my losses but I can not get the same deal anymore. I can only get {$570.00} as lender credit I am asking for : 1. {$6400.00} difference in lender credit 2. A letter on a letter head from Mr Cooper stating that they did not process the loan subordination and will not process it- So I can get the {$250.00} refunded from XXXX XXXX  . 

Second Loan : XXXX XXXX XXXX  # XXXX Started process in XX/XX/2020 process took much longer than expected originally had 3.38 % interest rate with {$4000.00} lender credit and loan was conditionally approved after sending them all the requested documents and any additional documents within 48 hrs of request. 
due to the delay and long process on Mr cooper side, lender credit has changed and they do not offer that credit anymore. 
Appraisal was ordered which costed me {$650.00} Tried to call loan processor, underwriter, their manager and no answer or call returns. 
I started working with another lender to stop my losses but I can not get the same deal anymore. I can get the interest rate but not the lender credit I am asking for : 1.  {$4000.00} difference in lender credit 2. Appraisal to be transferred to new lender or appraisal fee refunded. 

Third Loan : XXXX XXXX XXXX Loan # XXXX Started process in XX/XX/2020 process took much longer than expected originally had 3.86 % interest rate with {$3000.00} lender credit and loan was conditionally approved after sending them all the requested documents and any additional documents within 48 hrs of request. 
due to the delay and long process on Mr cooper side, lender credit has changed and they do not offer that credit anymore. 
Appraisal was ordered which costed me {$690.00} Tried to call loan processor, underwriter, their manager and no answer or call returns. 
I started working with another lender to stop my losses but I can not get the same deal anymore. I can get the interest rate but not the lender credit I am asking for : 1. {$3000.00} difference in lender credit 2. Appraisal to be transferred to new lender or appraisal fee refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I mailed letters to all 3 credit reporting bureaus ( XXXX, XXXX, Experian ) stating that they are not complying with my written dispute requests that I have submitted. I mailed letters on XX/XX/XXXX that describes my first initial disputes, its been over 30 days and I havent received a response. I mailed them a second set of letters on XX/XX/XXXX to comply and still no response.

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 2020-08-18
Company: Security Credit Services, LLC
State: AR
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:
Security Credit Services Collection agency continues to violate the Fair Debt Collection Practice Act including several types of inaccurate and illegal credit reporting. The fraud related account currently is being reported by another collection agency by the name of XXXX XXXX XXXX for the same amount XXXX with a different open date of XXXX and Security Credit Services has a reported open date of XXXX which is considered inaccurate information on both agencies not to mention under the FDCPA no collection account can be owned by two different collection agencies which appears to be the case. I find this inaccurate reporting to be a clear violation of my consumer rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practice Act both of these fraud related accounts which never belonged to me should immediately be removed from all of the major consumer reporting agencies effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: CA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-04-02
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:
I've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to Experian, XXXX  & XXXX and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX  & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7.XXXX XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATE

D BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-12-20
Company: Experian Information Solutions 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:
My name 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 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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
well i was watching the news and they was talking about XXXX reporting the wrong information for millions of people and that everyone who was impacted by this credit score drop or raise by XXXX points so i then went and check my credit score and noticed my score drop by XXXX points and I had 8 Inquiries and 1 account that I did not authorized I then called XXXX and told them about the inquiries and they told me that they are sorry but the inquiries will stay there for 2 years and that they could not take it off only if i had a FTC report is the only way they can take it off the inquiries are ( 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 XXXXXXXX

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 2023-09-12
Company: Experian Information Solutions Inc.
State: MD
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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