BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NJ
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:
company reports that I was late on my auto loan payment 16 months in a row. The information they reported is inaccurate and false. I tried disputing with the directly and the credit bureaus such as Experian XXXX XXXX XXXX and they have failed to verified such allegations. no one is willing to help me or show proof that I was in fact late. each bureau has different count of days late the same month and year.

XXXX XXXX XXXX  Experian            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  as you can see nothing matches and the reporting on them are different on all 3 bureaus some are stating 30 days late but on another the same month and year says 90 days its absurd and need to changed to pay as agreed on all 16 months

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 2022-09-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I submitted a letter to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. As of today XX/XX/2022, more than 60 days from when they received the letters I have not received any type of response back from either of the bureaus. At this point, I feel like my consumer rights are being relinquished and I am being totally ignored. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. Additionally, according to 15 USC 1681b, there are no permissible purposes for this information to be reported on my consumer reports. I have not received a response in over 60 days now ; therefore, the accounts should be deleted. 

I demand that these accounts be deleted immediately. 

Additionally, I have checked and my information was impacted by the Equifax Data Breach and my information may have gotten into the hands of the wrong person, I am also demanding that the non-account holding inquiries be DELETED from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX  XXXXBalance $ XXXXDate Opened : XX/XX/2013 XXXX  XXXX  XXXXBalance $ 4,265.00-Date Opened : XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't recall applying for credit or employment with the companies listed. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I went into financial and physical hardship. I hired an attorney from advice from my realtor XXXX XXXX ; realtor license : XXXX and was directed to XXXX XXXX ; CA Bar License # XXXX, XXXX XXXX ; CA Bar License # XXXX, which I paid them {$5000.00} XX/XX/XXXX to represent me in my fight to get a loan modification. My first loan was with XXXX XXXX  for {$450000.00} Loan Number XXXX and second loan with XXXX Loan Number XXXX for {$43000.00}. I went through all the necessary steps and GMAC approved and we entered the Loan Modification Agreement on XX/XX/XXXX. We were in agreement to make 3 consecutive months payments at {$2300.00}. After making XX/XX/XXXXand XX/XX/XXXXpayments, a representative from GMAC named XXXX, informed me that I didnt need to pay the third month since I honored the first two payments. Subsequently, GMAC without my authorization nor knowledge, paid my property taxes which I was not in default. Soon after, GMAC changed the terms and required me to make a {$4200.00} payment which will cover the tax payments they made on my behalf. Unfortunately, I didnt have the financial ability to make that payment due to my hardship. XX/XX/XXXX my property went into default and into foreclosure. XXXX XXXX and XXXX XXXX then forced me into a short sale, in addition to making me pay 3 % ( {$8300.00} ) for the closing costs. XX/XX/XXXX my home was sold in a short sale. Complaints ; 1.Breach of contract, loan modification agreement. 2.Violation of civil cod Section 2923.5. 3. Breach of the Implied covenant of Good Faith and Fair Dealing to Honor Loan Modification Agreement. 4. Promissory Estoppel from denying loan modification. 5. Violation of Civil Code Section 17200. 6. Declaratory Relief of Loan Modification Agreement.

I believe I was discriminated against based on my ethnicity, skin color and socioeconomic background, in addition the transactions and the course of action that took place throughout this process. The attorney 's I hired to help save my home, took advantage of my financial hardship and sold my home in a short sale. I don't understand how I was approved for a loan modification, then I " didn't qualify '' and soon after, my attorney 's sold my house in a short sale. I gave all necessary information, including all paperwork for the HOPE and HARP program for loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX, I sent a letter disputing the following inquiries. They are still on my report more than XXXX days later. 


I asked for proof of permissible purpose of these inquiries, but I never received them. The inquires were reported as verified although no proof of this verification was presented. 

This is illegal according to federal law - 15 U.S. Code 1681n - Civil liability for willful noncompliance : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( 2 ) such amount of punitive damages as the court may allow ; and ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2023-05-09
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:
Identity theft alert has been placed on my credit reports due to information being shared and stock through data breaches and dark web exposure. There are fraudulent accounts and inquiries listed on my credit reports. XXXX, XXXX, and Experian have reported accounts that are fraudulent from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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:
I noticed inaccurate and a unauthorized account reporting negatively on my consumer report. Not sure if you're mixing my identity with someone else or of this is identity theft. I will attach a letter so your company can investigate and remove this inaccurate account. I will also attach copies of all the credit reporting agencies address reporting FALSE addresses on 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 explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX & XXXX XXXX XXXX : # XXXX 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 a - d ) exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

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 2023-07-06
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-12-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX I received an email from my insurance company that my subscribers account was available for viewing online. I went to the companys website to view the account and saw that there was over XXXX dollars in savings.I was also told to look for a distribution in a few months. As if this week, I have received {$16.00}. I have been a member with USAA for 41 years. 
When I talk with other USAA members, my reimbursements are far less than other members that have experienced similar situations as my own. 
After receiving this distribution I call in to find out what remains, and there is just over XXXX remaining. That means that within less than 8 weeks, more than XXXX was distributed, but I only received {$16.00} dollars and XXXX cents. This has been occurring for the last few years, where my account has had greater returns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following account has been paid but XXXX, Experian, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$960.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION. 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 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 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 explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: TN
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:
I have hired 2 companies, made disputes on the website, and lodged complaints with the CFPB regarding experian and their inaccuracies on my credit report. They have received all necessary documents from both credit agencies and myself yet, still refuse to correct the inaccuracies.

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 2023-03-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Over 60 days I notified the three credit bureaus on the inaccurate information that is being reported on my credit report. I have been trying to get this situation resolved but has had no success in doing so. It would be a great help if you would help me with the inaccurate information that I upload below. I have been verym stressed and a lot of anxiety and need this to be handled please.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I Call Transunion about 10 times a day to update my XXXX  XXXX to reflect on my accts XXXX XXXX and XXXX XXXX XXXX  they refuse but they did add XXXX to a XXXX  XXXX but im not in a XXXX XXXX  i ask to speak to supervisor, Special handling no one will 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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A potential creditor ( Mortgage ) company is trying to get my credit report in order to complete a mortgage refinance. Experian is not releasing that information to the mortgage company. I've called and submitted several complaints to no avail. The last representative I spoke with said she doesn't know why she couldn't retrieve my report. She also submitted a referral to some unknown department to look into this issue. 
Its been two weeks and four referrals. Still no answers.

Company response to consumer: In progress
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: SC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation