BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : 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 non-monetary relief
Consumer complaint received 2023-08-09
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: Reporting company used your report improperly

Complaint:
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 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, 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 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The inquiry was not authorized SYNCB Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX FI Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2021-06-17
Company: Solomon and Solomon, P.C.
State: HI
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:
This account with Solomon & Solomon PC is showing up on my credit report. I have never heard of this company attempting to collect this debt from me. It shows up on my XXXX report as an open account # XXXX for {$590.00} reported on XXXX and it also shows up on XXXX as a closed account # XXXX reported on XXXX. I have been in the state of Hawaii since XXXX of XXXX so not sure how one is reported open and the other is reported closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: VA
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 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
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NV
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-06-16
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 HAVE DISPUTED THESE INACCURATE INQURIES WITH EXPERIAN SEVERAL TIMES AND THEY ARE SAYING THEY VERIFIED THEM AS ACCURATE, BUT THEY AREN'T I NEED THESE REMOVED ASAP.
THE INQURIES ARE LISTED BELOW:

XXXX  XXXX XXXX
Inquiry date:XX/XX/XXXX
XXXX XXXX XXXX  Bank Credit Cards
Inquiry date:XX/XX/XXXX

XXXX XXXX XXXX  Bulk Purchase Finance - General
Inquiry date:XX/XX/XXXX

XXXX XXXX XXXX XXXX
Bank Credit Cards
Inquiry date:XX/XX/XXXX

JXXXX XXXX
Bank Credit Cards
Inquiry date:XX/XX/XXXX

XXXX XXXX
Bank Credit Cards
Inquiry date: XX/XX/XXXX
XXXX  Finance Companies - non specific
Inquiry date: XX/XX/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 2023-08-09
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, 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 2021-12-07
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXXXXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Charge Off XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-11-04
Company: PNC Bank N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
PNC bank took over BBVA They disabled online banking access ( bbva ) and said the login is transferred to PNCs website. But my credentials wont work there, I cant reset my password, and cant register for online banking. 

Ive called their 1888 number 3 times and waited on the phone for 30 minutes each time and it no one ever answers. 

I have no idea what my balance is or how to even make a payment now. This is really shady. 

They sent me my new credit card ( PNC ) but no statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In the past I complained about being a victim of Wells Fargo and nothing was done and we are still homeless as a result of their wrong doing. I need justice I am an elderly person with XXXX that has been took advantage of I need justice this matter needs to be addressed

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: AR
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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2021-06-17
Company: EQUIFAX, INC.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: MD
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:
Ok we're back to trying to get Equifax to remove the credit providers report from my wife 's credit report. The providers report has already been removed from all four my credit reports and on three of my wife 's credit reports. We have provided the signed request from XXXX XXXX that indicates they asked this in a letter dated XX/XX/2021. We have sent nearly an half dozen complaints to get this problem solved, with there already being four complaints already sent to Equifax, who is the last credit reporting agency to remove the account with it still being on my wife 's account to this day. They have twice responded that an action was taking and an email was sent to us to show what action was taking. In those two last responses, the account is still present on the Equifax reporting only of the four reporting agencies. The letter indicates that the item is not showing with the second letter showing " THIS ITEM HAS BEEN DLETED FROM THE CREDIT FILE '' But when checking this for ourselves, the account is actually still there ( Not removed ). The listed previous complaints : XXXX - XXXX - XXXX - XXXX all seem at this point show that Equifax has no intent on removing the providers credit report from my wife 's credit file. 

I had also attached in some of the listed ( numbered ) complaints one of the letters the provider sent me that they had sent to request that all four credit bureaus to remove the account from our ( my wife and my self 's ) credit report, but for some reason and some months since the XX/XX/2021 letter from the credit reporting company 's request, that Equifax has for the past three months has failed to remove the credit account from my wife 's credit reporting, though the other three credit bureaus and Equifax has already removed this from my credit reporting, and that the other three credit reporting agencies has also honored the credit providers request to DELETE the account, with only EQUIFAX not honoring this request. So we've ben told to open one more complaint asking Equifax to DELETE the credit providers XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Alabama Housing Finance Authority
State: MO
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I am attempting specific financial transactions, but illegally reported information and identity theft is preventing that from moving forward. Illegal activity of credit reporting agencies damages my character and livelihood. I have discovered numerous agencies used my social security number and other information for fraudulent purposes for an unknown amount of time. Credit agencies listed inaccurate information on my credit report, per 15 USC 1681, et seq. Because of that fact, I DO NOT BELIEVE CREDIT AGENCIES PERFORMED AN ACCURATE INVESTIGATION. Mismatched data supplied to all three credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and / or negligent FCRA violation. 
Agencies have willfully failed to delete my disputed information. Said information is not valid proof for a reasonable determination which complies with the FCRA. Alleged debts herein were written off from a 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. Also, 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, it is a violation of privacy. Per US CODE 15 U.S.C. 1681 B 2 ( a ) no entity can list information in my consumer report without my written permission. Per U.S. CODE 1028 ( a ) information furnished without my written permission is identity theft.

Isnt it true HJR-192 prohibits payment of debt and substitutes evidence of discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the US Constitution? There is nothing for this Article to operate on, just as there is nothing for Common Law to operate on. P
erpetual debt, bills, notes, cheques, and credits fall within a different authority than contemplated by Article I, Section 10, Clause 1 -- and that authority belongs exclusively to the Law of Admiralty and Maritime. Obviously, if we can not pay our debts at law, we are also benefiting from limited liability under the Limited Liability Act when we use this credit -- and that is marine insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Rosebud Economic Development Corporation
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
2 days ago I looked into loan options. Zoca was one that offered options but I was not interested. They called around 10 times in 2 days. After blocking the number, I called them back and was on hold for 15 minutes to speak to someone to tell them to stop calling. I then emailed the company to tell them to stop calling. They then called 2 more times last night. I called them back and told them again to stop calling. They have called now 3 times today. I want to be left alone.

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