BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
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'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 2022-12-07
Company: Experian Information Solutions Inc.
State: ME
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 sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2020-04-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported to XXXX  and Experian and XXXX  that all accounts I have requested to be deleted I have submitted, all identity theft reports and police reports to cfpb that close account and forward all information to FTC, i have contacted FTC about cfpb forward the identity theft reports that were uploaded to cfpb FTC stated that they have no info report from cfpb / I HAVE SENT CERTIFIED MAIL TO ALL 3 CREDIT REPORTING COMPANY XX/XX/20 TO DELETE AND REMOVE ALL THE FRAUD ACCOUNTS CFPB NEVER FOLLOW UP AND CLOSE THE DISPUTES. I HAVE BEEN VICTIMIZE AND CFPB NEVER MADE THE 3 CREDIT REPORTING COMPANYS REMOVE ALL DEBTS THAT ARE FRAUD AND FOLLOW THE CONSUMER RIGHTS NEVER FOLLOW UP WITH ALL CERTIFIED MAIL DATED 38 DAYS WITH NO RESPONSE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Dovenmuehle Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted the company multiple times. I have called, sent letters, faxes, and filed disputes. I have proof that all payments were made on time. The loan was paid in full of XXXX of XXXX and closed. They finally corrected my credit report at the end of XX/XX/XXXX and then in XXXX of XXXX reversed it and put the 30-day late payment back on my credit report on a loan that is closed. This is hindering my family from moving forward with any financial movements. Dovenmuhel Mortgage says they will remove it and will respond but then they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Phillips & Cohen Associates, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted by Phillip & Cohen Associates Ltd. and PCA Acquisitions V , LLC stating I owed an alleged debt, I have disputed the validity of the alleged obligation requesting verification however it was not provided. I deny any and all Alleged obligations. Pursuant to Fair Debt Collection Practices Act I have been violated numerous times. 
Attachments have been provided for further details

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$12000.00}

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 2021-10-25
Company: EQUIFAX, 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 m checking my credit reports and I don't understand why I see this account on my name. I don't have anything like that. I have no idea why you put it on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My last credit report from all three agencies is dated XX/XX/XXXX. As usual, shortly after XX/XX/XXXX I send all required documentation that identify my identity to all three credit reporting agencies. I never receive a report. I understand we were at the beginning of the pandemic. I wonder : What happened to that mail piece with lots of identity data? 
How do I know that if I send my identity information again I'll get my reports? 

I am just a financially responsible individual that like to keep my credit database correct as is my responsibility. Credit agencies will add to our record anything that smell, look and might sound like belongs to us without any responsibility. Credit agencies only respond to financial institutions that pay and finance to some extent credit reporting. I understand and accept that fact. 

Please provide an answer to both questions at your earliest convenience.

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 2021-11-11
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Rent Recovery Solutions
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I signed up with a debt management plan XXXX. For nearly three months this plan has forwarded checks over to Rent Recovery to pay this debt. Rent Recovery has received and cashed these payments. XXXX called to try to see if they will continue receiving payments and become apart of the plan, they could not get ahold of anyone and were transfered to voice-mail. I called to see what was going on and they say they have not received any payments on my account. I have made payments and they transferred me to a voice-mail as well. It has been months of being transfered to a voice-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: CA
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 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 2022-01-06
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:
This is 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 Experian 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 : XXXX XXXX - -Date Opened : XX/XX/2019 XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance {$760.00}

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 2022-12-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
i recently reviewed a copy of my crediy report. i was really mad to see i had been a victim of identity theft. i found a account on my credit report that was not open by me. this has been hurting me at buying my first home and im having my second child this year at the age of XXXX. I finally have a family now! - ) please remove this fruadulently open account from my credit report soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage is a XXXX XXXX loan serviced by AmeriHome. 

For the past three weeks, we have been trying to apply for forbearance under the CARES Act. We continue to receive different answers to our questions, specifically, when asked how long can we apply for forbearance we are told 90 days only. When asked about credit reporting that we are in forbearance, we have been told that there is no reference of forbearance reported to the credit bureaus or posting of such on our credit reports by one staff member, that there will be posting to our credit reports signifying that the loan is in forbearance by a different staff member. Both my wife and I have worked hard to achieve and maintain excellent credit and don't want to do anything that impacts our ability to borrow, increase interest charges, or impact our credit scores. 

Can you please advise if we are entitled to initially request a 180-day forbearance term under the CARES Act on a XXXX XXXX mortgage, and if the loan servicer is mandated or allowed to report the forbearance status to the credit bureaus? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was reviewing my credit report and Portfolio Recovery ASSOC account was listed on my report and I reached out to this company to provide me details on this account and they were unable to verify my information and I never received any notice from this company. 

I do not have any contracts with this company they should not be reporting on my credit file without verifying that the account and balance is accurate and is truly mine! 

I share same exact name as my father and son and they were unable to verify my information correctly via telephone and yet they are still on my credit report reporting negative unverified information! 

This is hurting my credit score during a global pandemic and i'm unable to get credit when i need it the most to help my family during this time. 

This is against the FCRA to place unverified information and I have no contract with this company and they are on my credit report and they didn't even send out any notices pertaining to this account. 
Unfair! 
Against the law! During a global pandemic even worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. THERE ARE FIVE 30 DAY VIOLATIONS COMMITTED BY YOUR AGENCY THUS FAR AND IN DIRECT VIOLATION OF THE FCRA. PLEASE AMEND THE BELOW ACCOUNTS TO HAVE THE LATE PAYMENT HISTORY SO SHOW, PAID AS AGREED/NEVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint regarding the inaccurate information present on my credit report, as reported by Experian. Despite my initial contact with Experian on XX/XX/XXXX, they have failed to respond or rectify the errors. I kindly request your assistance in resolving this matter and ensuring compliance with federal law. 

Below, I have provided the details of the incorrect information and the necessary corrections : Please remove these accounts from my credit report as it does not belong to me. 

XXXX XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX  - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}, Original Creditor : XXXX  ), XXXX XXXXXXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$300.00} ), XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2100.00} ) Kindly correct this inaccurate information on my credit report, as the account was never late. 
XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$850.00} ), XXXX XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00}. 
XXXX XXXX - ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: NH
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 2021-11-11
Company: Medical Data Systems, Inc.
State: GA
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus had not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$65.00} ; XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX XXXX Balance {$86.00} ;

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