BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$18000.00}

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 2022-12-22
Company: EQUIFAX, INC.
State: PA
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 XXXX Account # XXXX, has violated my rights. 


15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Local Data Recovery, LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call this morning from XXXX ext XXXX. Caller did not state her name clearly. Claims " the attorney '' is going to file a wage garnishment against me today in my county for a debt of {$1500.00} Refused to provide information about supposed debt other than to tell me the company is " XXXX '' through XXXX and that the last payment I made was for {$30.00} on XX/XX/XXXX and the account was closed in XX/XX/XXXX.  Claimed that many letters, emails and phone calls have been sent to me by 5 different collection agencies. Would not tell me the name of the collection agencies. Kept informing me that " the attorney '' allows 1 courtesy call before filing a wage garnishment. I asked for clarification on if I was being sued for debt collection. She stated they are not a debt collector and I was not being sued - that a court order for wage garnishment will be filed today. Still would not give me any information. I told her I would do some research and call her back today. Then I checked my credit reports and found no record of this debt. I then called XXXX directly and was told there was an old debt, then I was provided with an address with XXXX to request the documentation in writing. The XXXX representative was very nice and told me to contact the supposed law firm and " request validation of the debt ''. I called the " law firm '' back and, requested a validation of the debt but was told " we can validate the date but we have to go ahead and file for wage garnishment today, you'll get served papers and you can review the documents at that time. '' I asked for the company name and address so I could make my request for debt validation in writing. Instead I was given directions on how to look up their corporation address through SIS.GA.GOV, corporations business search. I now have to A ) write a letter to XXXX for information and B ) go through several online steps to simply obtain an address for this supposed law firm so that I can make a written request for validation of the debt.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-06-22
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.

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 2021-04-19
Company: EQUIFAX, INC.
State: AL
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 recently sent a dispute letter to Equifax and XXXX  on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
Being retired, I depend on interest I earn on balances I keep with online banks. I recently applied to open two online banking accounts, both paying 2.25 % p.a. interest.

The first one, XXXX, turned me down and mailed me a 'Notice of Action Taken ' which I am attaching to this complaint. The Notice mentions that the Bank obtained my credit score from ChexSystems , Inc. and that my score is XXXX. My credit score having never been under 800 and currently hovering at XXXX has never been an issue, I was dumbfounded. I have several other online bank accounts. I have no debts or mortgages.

Trying to contact ChexSystems proved impossible, but I was able to file a request for information after having indicated I had recently been refused. The letter that I have received from ChexSystems shows no reported information mishandled.

I have now also been turned down for an online banking account by XXXX.

I feel powerless as ChexSystems has ruined my chances to open these two accounts. It is fair to assume this will happen next time I try to open a bank account. Since there is no way to way to speak to a human at ChexSystem, the feeling of powerlessness is even stronger.

I appeal to CFPB to contact ChexSystems and have it send corrected information to both banks mentioned so that my applications to open accounts may be approved. 

Thank you in advance. I am attaching documents in support of everything I have mentioned above. 

Kind regards, XXXX XXXX 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 2020-06-11
Company: PNC Bank N.A.
State: MI
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: Problem with personal statement of dispute

Complaint:
PNC Bank reported a 30-day past due status to the credit bureaus effective XX/XX/XXXX. 

The oversight was due to PNC auto-pay not debiting my monthly payment from my bank account. Upon receiving the PNC late notification in the mail, I immediately made the past due payment. I contacted PNC to explain auto-pay did not work and highlighted that I have been a customer since XXXX ( 13 years ) with a flawless payment record - proof I pay my bills on time. PNC was unwilling to remove the 30-day past due notice from my credit record. 

No reason has been provided for why PNC auto-pay did not work and my impeccable business record over 13 years was not valued enough to make any changes. 

As a result my credit has dropped 40 points and told by PNC it will take 7 years to remove from my credit report. I view this business practice reprehensible and disappointed PNC is unwilling to work with a loyal customer to correct a negative credit entry due to a problem with their auto-pay system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion 's site and phone don't work. You get connected to a TRAINEE who knows nothing about the American Credit system. 

What a joke. 

They are putting my account in collections when it is paid off. Their website says " too bad, call the number or mail it in ''. The number sends you in loops. CALL IT! 

Also XXXX needs to be REMOVED. They put my loans in DEFAULT for NO REASON and were NOT mailing me. They were sending emails to an address from XXXX  that XXXX held when I XXXX. NEVER KNEW THEY EVEN SOLD IT!!!!!!!!!!! 



This takes forever and hurts my credit. Their MADE UP RULES ARE HURTING OUR SCORES. 

I am a 100 % XXXX Veteran. 

THEY DONT CARE ABOUT XXXX PEOPLE AT ALL

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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently sent a dispute letter to XXXX  and XXXX XXXXn XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2022-11-29
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is about my credit card. My account was delinquent and my mother contacted the branch instructing them that she wished to repay the balance on her behalf to bring the account current. The payment receipt is attached. That did happen ( XX/XX/2021 ) but the bank also closed the account ( see below ). This was and is a problem as it affected my credit score negatively. This was a secured card and my mother has XXXX on deposit with the bank to secure the card. My credit score is now much lower than it should be due to this event. This impacts my ability to rent an apartment, get insurance etc. We have contacted a person at the bank by phone on multiple occasions and my mother met with them twice at the branch. At the last visit, the person explained that the credit card account was somehow closed in connection with the merger between SunTrust and BB & T ( this company is now called Truist ). She said it appears this happened as part of the system conversion that occurred when the banks combined. She told us that she would forward the information to the merger office and ask that they research it and resolve the issue. We have heard nothing from them and now this person will not return our phone calls.

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 2019-08-06
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. COOPER continues violating government requirements by not sending monthly mortgage statements, as they assured and are required to do. Since they have purchased of my mortgage it has been necessary for me to file three ( 3 ) complaints previously ( listed below ). Now, I have only received one ( 1 ) mortgage statement since the initial payment due date of XX/XX/2019. 

XXXX ( XX/XX/19 ) XXXX ( XX/XX/19 ) XXXX ( XX/XX/19 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Exeter Finance Corp.
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: Account information incorrect

Complaint:
Exeter finance is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and Exeter returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance. 

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my Exeter statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account. 

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XX/XX/XXXX which means all of the reporting after XX/XX/XXXX with the inaccurate balances was based off of inaccurate information from Exeter. An intentional effort to report false information and a clear example of Exeter failing to abide by the FCRA rules. 

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NJ
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 am writing to formally dispute and request correction of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following discrepancies, and as of today, I have not received any response or resolution. I am providing details of the discrepancies along with the necessary corrections : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$340000.00} Inaccuracy : This account was never late. Please update my credit report accordingly. 


Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$620.00} Inaccuracy : This account was never late. Please update my credit report accordingly. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$450.00} Inaccuracy : This account was never late. Please update my credit report accordingly. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$610.00} Inaccuracy : This account was never late. Please update my credit report accordingly. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$240.00} Inaccuracy : This account was never late. Please update my credit report accordingly. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$480.00} Inaccuracy : This account does not belong to me. Please remove it from my credit report. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Inaccuracy : This account does not belong to me. Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Original Creditor : XXXX XXXX XXXX XXXX Inaccuracy : This account does not belong to me. Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$9300.00} Inaccuracy : This account does not belong to me. 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