BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: Experian Information Solutions 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:
Subject : Dispute of Inaccurate Late Payment Reporting on Account Number XXXX with XXXX XXXX ( XXXX XXXX ) To Whom It May Concern, I am writing to address a discrepancy between the information provided by XXXX XXXX ( XXXX XXXX ) and the late payment records reported by Experian, XXXX, and XXXX on my credit report. According to the credit bureaus, my account number XXXX experienced late payments in XXXX and XX/XX/XXXX and XX/XX/XXXX. However, after conducting an investigation, XXXX XXXX ( XXXX XXXX ) has confirmed in their letter addressed to me that my account has not been reported as delinquent to the credit bureau agencies listed over the last 24 months. 

Given the inconsistencies between the information provided by XXXX XXXX ( XXXX XXXX ) and the credit bureaus, I am concerned about the accuracy of the late payment records on my credit report. I understand that the credit reporting agencies have investigated these accounts and have deemed them verified. Nevertheless, the presence of inaccuracies on my credit report raises questions about the thoroughness of the investigation. 

As a consumer, I am entitled to know the steps taken by the credit bureaus to ensure the accuracy of the items in question, as outlined under 15 U.S.C. 1681i ( 7 ) Method of Verification - Description of Reinvestigation Procedure. I kindly request a detailed description of the reinvestigation procedure followed by your agency, as well as any documentation used to verify the late payment records on my account number XXXX. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require further information or clarification. 

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 explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
Transunion as not updated my XXXX XXXX  credit card balance ending in XXXX and XXXX XXXX balance must be updated

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 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was looking to buy a car and while shopping I had mentioned to the XXXX that I had a credit report and did not want them they run my credit. 

On all three credit report XXXX XXXX TransUnion shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

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

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 2023-11-21
Company: The Leviton Law Firm, Ltd.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XX/XX/, Leviton Law Firm , Ltd. sent me a debt collection letter for {$19000.00} to " XXXX XXXX XXXX '' at my home address on behalf of their client, XXXX XXXX XXXX, XXXX. The letter states they've tried to contact us multiple times as well as through a debt collection agency, and that if I don't respond in 10 days they will have no other choice than to advise XXXX XXXX XXXX to take appropriate measures to enforce their rights. 

On XXXX XXXX XXXX, I called and spoke with XXXX XXXX, the Leviton Law Firm Account Representative. I told XXXX that I have never done business with a XXXX XXXX XXXX, XXXX, to my knowledge. I asked for more information about the company since my XXXX search only resulted in a company that deals with property management and is not accredited by the XXXX XXXXXXXX responded that this has nothing to do with the matter because my name is not XXXX XXXX XXXX. XXXX added that it sounds like they ( Leviton Law Firm ) have the wrong address and he advised me to destroy the letter. I asked why I needed to destroy the letter. XXXX responded that if I didn't want to destroy the letter, then I could just pay the debt, and he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: HOVG, LLC
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: Old information reappears or never goes away

Complaint:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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: Personal information incorrect

Complaint:
Experian and XXXX continues to report false and erroneous debt on my credit report. My wife and I moved out of XXXX XXXX XXXX in XXXX, Ga XXXX on Saturday, XX/XX/2020. We were let out of our lease due to XXXX not keeping a safe environment for my family and I which a XXXX  complaint was filed. 

XXXX XXXX the Area Manager for XXXX sent my wife an email on Mon, XX/XX/2020 at XXXX XXXX, stating : " Thank you for discussing your issues with me this morning. I have attached the move out instructions for your move on Saturday, XX/XX/XXXX. In addition, I want to confirm that there will be no lease termination fees added to your move out. Also, within that time you will not have any of the construction team members coming to your door to administer any work. '' I have attached this full email in PDF format for confirmation of this email form XXXX. 

Experian and XXXX also reported a false address on my credit report : XXXX XXXX XXXX XXXX, GA XXXX I never lived at this address, this is a friends address that they had my car towed back to temporarily after the company wrongfully and unlawfully had towed to an impound. This is also in the email attached to this complaint. On my credit report Experian and XXXX is reporting this debt is a vehicle lease debt, how can I owe a property management company that I rented an apartment from a vehicle lease debt? which is erroneous and totally false. So they continue to violate my rights by reporting false information on my reports. 

I disputed this matter with Experian several times and they continue to violate my rights after providing proof to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CORELOGIC INC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize CORELOGIC CREDCO to run my 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 2023-07-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2020-12-12
Company: EQUIFAX, INC.
State: TX
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:
show tooltip button XXXX XXXX XXXXDispute Chapter XXXX bankruptcy petitionDispute Chapter XXXX bankruptcy dismissedDispute ftc violations please remove names : XXXX XXXX XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, 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:
I have 2 accounts on my credit report that has not been updated, I have tryed to fix this the creditor stated they sent updated information to be updated and it has not, One account is a car loan with XXXX  XXXX XXXX XXXX with a balance of XXXX and that account has been paid in full and another account is my credit card showing a high balance that has not been updated with XXXX XXXX XXXX XXXX with a credit limit of XXXX but the balance is incorrect I would please like this up dated immediately Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions 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:
Experian continues to list XXXX XXXX XXXX ) XXXX  accounts as in collection in XXXX and XX/XX/XXXX. XXXX  XXXX ( XXXX ) continues to report the same nineteen reports to credit agencies. Records ( attached ) clearly show that all of these accounts were closed in XXXX when XXXX XXXX consolidated them, that they are not overdue, and that they are not in collections. I have twice requested for Experian and XXXX to remove this incorrect information. The latest request was in XX/XX/XXXX. Both XXXX and Experian have failed to remove the incorrect information.

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 2020-07-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was notified on Friday,, XX/XX/XXXX that there were possible fraud charges on my account. When I looked, fraudulent activity, totaling {$450.00} in varied amounts had been taken from my account and I was notified when the perpetrator tried to process a 5th transaction for another {$50.00}. I called the bank. I was on hold for an hour and 20 minutes and when I called another number on the other phone line, i was told that the reason i was on hold on the initial transfer was because I was transferred to a call center that was already closed. The person i finally spoke to ( still Friday night ) said he can't cancel the transactions because they were through XXXX XXXX directly to a Visa. But he could process a claim and in the mean time provide provisional credit totaling {$450.00} and I should see the credit within 12 hours. It's now Monday, XX/XX/XXXX and I called this morning to find out about the credit. I was on the phone for an hour and 10 minutes. I was told that they can't cancel the transaction ( which is still pending ) but in order to receive the provisional credit, i have to wait for it to clear which can take 3-5 business days. So they won't/are n't able to cancel it ( by their own admission ) but they can allow it to clear ( also by their own admission ). I rarely have an fraudulent activity on my account and 5 business days ( which typically lead to the 6th business day ... meaning over a week from now ) is a long time to go without with which to pay my bills. I don't make a lot so {$450.00} is a lot for my household. In fact, my husband is on furlough because of COVID so {$450.00} matters in my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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: Account status incorrect

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 Equifax was XX/XX/2021, 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 proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}, {$4600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Mortgage Research Center, LLC
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:
I DEMAND THAT YOU REMOVE ALL THE ATTACHED ITEMS FROM MY CONSUMER REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My boyfriend who lives with me had a friend who introduced me to XXXX XXXX who owns XXXX  XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. XXXX told me he was a prior accountant and very knowledgeable about XXXX loans and would help me fill mine out. I emailed him my social and banking information on XX/XX/XXXX he asked for and he filed the loan and then changed all my passwords and opened lines of credit without my concent, and I am still in the process of fixing it as we speak. He even filed for unemployment and made a pin and added his banking info so that my unemployment claims go to his account. I called chase snd reported all these fraud charges on XX/XX/XXXX on my business chase account as well as personal accounts. I am supposed to call them back this morning and review the charges again and take further action. I was awarded {$28000.00} by XXXX XXXX for the XXXX loan but he changed the login information and I believe funding company so that he would recieve my XXXX loan. I filed a police report on XX/XX/XXXX by the XXXX Police Department for fraud against this person. I can provide Incident number snd all information for the report when someone contacts me.

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 2019-04-19
Company: Northstar Location Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company NorthStar Debt collection has been constantly calling on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and were previously calling from a different number. They say they have information but leave no name of who they are looking for. Initially I was worried and pulled my credit report since I know I dont have any debt collections and my report showed nothing. They constantly call and leave messages, and there is no reason they should be calling me. Clearly they dont leave a name of who they are trying to contact and the calls have been non stop for about a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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:
Tried contacting company about unrecognized inquiries received no information and no assistance company could not provide proof that I requested information or any sort. They were no help and nothing was done as far as removing information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: HW Holding, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXX {$550.00} Dispute was filed. 
XXXX XXXX XX/XX/XXXX {$1900.00} no action XXXX XXXX XX/XX/XXXX {$7400.00} Dispute was filed. 
XXXX XXXX ' XX/XX/XXXX {$150.00} Dispute was filed. 
XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX {$710.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX no action. 

In accordance with the fair credit reporting act, these companies have violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 



..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked numerous time for this account to be verify as required by the FCRA COMPLIANCE TO BE MY RESPOSIBILITY /OR TO BE MY DEBT. I have challenge this company numerous time to provided me with prove as its the law in numerous occasion to this being my account with no success I have file disputed thru the credit Bureau Experian XXXX XXXX XXXX which the credits Bureau has fail to provide me as the consumer validation of this being my account as requested by the FCRA as well as XXXX XXXX/XXXX # XXXX XXXX I'M DEMANDING FOR THE XXXX XXXX/XXXX TO DELETED THIS ACCOUNT IMMEDIATELY AS THIS COMPANY HAS FAILED TO VERIFY ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 609 ( A ) ( 1 ) ( A ) YOU ARE REQUIERED TO VERIFY -- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT OR DELETED ACCOUNT.

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