BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
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:
This complaint is against Experian. I sent Experian a letter dated XX/XX/XXXX because after reviewing my Experian credit report, I noticed a collection on my credit report and I believed this collection was not mine. Also this collection is damaging my credit score. 
The letter stated that this collection was inaccurate information being shared and reported by Experian and that Experian needed to verify the accuracy of this collection. ( which means provide all documentation that Experian has on file that was used to verify this collection. ) if they could not provide documentation, then remove it from my credit report. 
This has not been done by Experian. Experian continues to provide improper disputes. When a dispute is opened with Experian, the response is a generic one, stating the collection is verified. ( When they have actually done nothing. ) In accordance with the Fair Credit Reporting Act Experian and 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 that a consumer reporting agency can not furnish an account without my written instructions. 

The information regarding this collection is below and shows exactly how it is viewed on my credit report. I can provide other documentation as well. 

XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX. 
{$2900.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX. 
Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX Original balance {$2900.00} Paid off XXXX  % Monthly payment - Past due amount {$2900.00} Terms 1 Month Responsibility Individual Your statement **CONSUMER STATEMENT** THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES.

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 2023-06-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am sending this CFPB complaint and I am asking for further assistance in order to eliminate these particular items in question which are reporting repeatedly on my credit file. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest scores, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. For that, I am hopping for your help to delete this items : XXXX XXXX XXXX XXXX XXXX, MO, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MO, XXXX ; XXXX XXXX XXXX  XXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX Unpaid Balance {$16000.00} ; XXXX XXXX XXXXXXXX Unpaid Balance {$700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Capital One is inaccurately reporting on my credit report and I am asking that the report be removed. They are reporting a late payment on a closed account, which they closed in XXXX of 2021 with no warning or reason why the account was closed. the account in question is Acct # XXXX was charged off at XXXX and is showing passed due amount and late with a balance of XXXX. 
How can an account be closed and late? According to the XXXX that is not accurate and is a violation. The law demands them to have maximum accuracy, according to 15usc1680 1e.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX  Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with TransUnion onXXXX XXXX on XX/XX/ and XXXX XXXX I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 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. 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 2023-03-13
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:
My mortgage payments were placed on forbearance by my mortgage company from XXXX XXXX XXXX XXXX due to a natural disaster. On XX/XX/XXXX category XXXX XXXX XXXX hit Louisiana and destroyed our home. Once I contacted the mortgage company they placed my account on forbearance starting XX/XX/XXXX. However my credit report is reflecting 120 days past due for the months of XXXX XXXX  and XXXX XXXX Also the balance on the account is reflecting {$35000.00} when the balanced owe is {$33000.00}. This is a serious violating on my consumer rights according to FRCA this violates my rights for inaccurate reporting.

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 2019-04-04
Company: EQUIFAX, INC.
State: FL
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 and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/ I made a purchase from XXXX totaling XXXX with an XXXX XXXX AAdvantage credit card from Citi bank. The items that XXXX shipped were not correct and did not work as listed on XXXX website so I returned everything via ups shipping provided by XXXX. 
The order was delivered back to XXXX under tracking XXXX and XXXX. Proof of delivery states that the shipments were received by XXXX on XXXX  XX/XX/XXXX at XXXX XXXX  at " Dock '' by " XXXX XXXX '' in XXXX AZ and XXXX, XX/XX/XXXX at XXXX XXXX  at " Dock '' in XXXX XXXX NV. 
XXXX refused to acknowledge the return so I filed a dispute with Citi stating the same as above. 
Today XX/XX/2023 the dispute was denied on the basis of the shipping info from the original XXXX order. 
I never once said I did not order the items, this dispute was over not receiving a refund on the return of the items. 
Citi has failed to do any sort of investigation or due diligence in this matter before simply denying this dispute directly violating my rights under the FCRA.

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 monetary relief
Consumer complaint received 2020-11-11
Company: Royal Pacific Funding Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I contacted my mortgage company to request a copy of my Note and my home owners insurance information. I was instructed they will e mail me the copy. I waited next day on XXXX I called them back they said they didn't have my insurance information I told them I would get that from my provider. but I still need the NOTE ''. they e mail me a note of someone else 's home. that was on the XX/XX/XXXX, I call them back on XXXX then this was escalated to an escalation manager XXXX XXXX. He said he will start working on it right away, and for now he will send verification to me so that I can use for my refinancing which on a three way call with my new lender was agree to use that for now but we will still need the Note '' to close. XXXX informed me he had just assigned someone to this from the custodial because apparently they have been waiting for my Docs to be sent to them and that is why they don't have my Note '' they apparently been waiting for three years for this docs, is when I bought my house.. I call XXXX back on XXXX at XXXX spoke to XXXX employee then hang up on me, then call me back only to repeat what I have been told now for the past week. XXXX did call me back saying the same thing they are working on it and they can not find it, custodial has not send it. This is a big problem for me because for one they are leaking personal information to total strangers may be just like they sent me someone else 's note they have my information in someone else 's file. with them not having my Note '' and not giving it to me, I will loose this interest rate I just locked if I don't get this Note '' in time. please help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please delete all inaccurate items that are not verified as I did not establish any of these items with my person or gave any permission for anyone to represent me to access my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: American First Finance, 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:
I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them Hard copies which I did but they never received them of course, nor did XXXX. It is an XXXX XXXX XXXX from XXXX of XXXX, I have called XXXX XXXX 3 times and they can not even find It in their system, but all 3 bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took 30 minutes 2 verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has American First Finance for {$2400.00}, the other 2 have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXX XXXX, 5 times XXXX  response 3-time disputing XXXX XXXX : Our reinvestigation of the dispute ( s ) and/or another request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only 2 inquiries on XXXX  XXXX  XXXX on XX/XX/XXXX and XXXX XXXX  XXXX on XX/XX/XXXX so Please tell XXXX and XXXX to take all those 27 other inquiries off of my XXXX report since they will not help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery XXXX  are notorious for harassing people for alleged collections accounts. I have reported them here in past years for alleged debts/collections. First, they have reported 2 collections to all 3 of my credit reports without providing any written notice and/or documentation of the alleged debts. On my credit reports, Portfolio Recovery doesn't even list who the alleged original creditor was or when the alleged debt was incurred. 
Second, Portfolio Recovery incessantly robo-calls my cell phone from dozens of different numbers daily that are not from their corporate number, including Sundays. Some of these numbers are : XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, and this is just to name a few. Given the amount of different area codes they are calling from is a huge red flag that they are phishing scammers and not conducting legitimate business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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:
This is the 3rd time trying to fix the problem with Equifax and they still haven't fixed the problem, They even sent me a letter with the inquiries that they removed and when I checked my report, they are still there. I have called them and they said they will not removed them. This company is a waste of time and very unprofessional. I would not recommend this credit bureau to anyone especially if you are trying to get a membership with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
check fraud claim with BoA that has been pending since XX/XX/2023. Need the following claim to be expedited. 

case # 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 monetary relief
Consumer complaint received 2022-10-03
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: Account status incorrect

Complaint:
XXXX XXXX  has failed numerous times to correct and update the CURRENT STATUS OF THESE PAID AND CLOSED ACCOUNTS. They continued to balance accounts that were settled and paid. These accounts are still reporting a current status as either in collection or delinquent. The CURRENT STATUS should report as paid as agreed and closed. XXXX XXXX has inserted a debt that was already paid. These accounts are still reported each month as a current charge-off. This continues to severely affect my credit. THE AFFECTED ACCOUNTS ARE BELOW : XXXX XXXX XXXX Acct XXXX - XXXX XXXX XXXX XXXX- Acct XXXX XXXX XXXX XXXX XXXX- Acct # - XXXX XXXX XXXXAcct # - XXXX XXXX XXXX XXXX XXXX XXXX  Acct 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 2023-02-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter to Experian well over 30 days ago about the inaccurate information being reported by them and have not heard back from them what so ever. It seems I have been ignored completely.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Dear Creditor, I am writing to dispute the validity of a debt that is listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to request that you provide me with validation of this debt. 

Under the FCRA, creditors are required to report accurate information about a consumer 's credit history. Inaccurate information, such as the reporting of a debt that is not mine, is a violation of my rights under the FCRA. 

I demand that you take immediate action to investigate the accuracy of this debt and provide me with validation of the debt. Failure to do so will result in legal action to enforce my rights under the FCRA. 

Furthermore, I demand that you remove any negative information related to this debt from my credit report until the debt has been validated as accurate. Failure to do so will also be a violation of my rights under the FCRA. 

I look forward to your prompt response to this matter. Please note that I expect a written response within 30 days, as required by law. 

Sincerely, 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