BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: MS
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 file a formal complaint regarding the continued delay in updating and opening certain accounts on my credit report. Despite my previous efforts to rectify this issue, I have not seen any progress, and the late opening of these accounts are negatively impacting my creditworthiness. 

I have identified the following accounts on my credit report that remain inaccurately reported as late openings, and I request their immediate correction : 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 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 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 

Despite previous disputes and communications regarding these accounts, they continue to be reported as late openings on my credit report. This inaccurate information is unjustly affecting my credit score and my ability to secure new credit. 

I have taken all necessary actions to address these account discrepancies, including communicating with the respective creditors and providing supporting documentation when required. I have received confirmation from the creditors that these accounts were opened on time and have been in good standing. It is disheartening to see that these corrections have not been reflected on my credit report. 

I request that you conduct an immediate investigation into the late opening of these accounts and take the necessary steps to rectify this issue. This includes updating my credit report to accurately reflect the correct opening dates of these accounts. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. I emphasize the importance of accurate reporting on my credit report as it directly impacts my financial standing and credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25
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:
on XX/XX/2021, I made a complain to the CFPB, CFPB Complaint ID XXXX. I am responding to Transunion XX/XX/2021 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 2017-09-12
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:
My information was stolen as part of the Equifax data breach during the summer of XXXX, which was first reported in XXXX, even though it was known internally at Equifax for several months. I have spent the better part of my day neglecting my job in order to find information on freezing my credit and other solutions that will prevent my identity from being stolen in the future. This has resulted in a decrease in hours, and a smaller amount of money earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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: Reporting company used your report improperly

Complaint:
The Equifax report suggests that my information was part of what was included in the leak. At this stage I 've requested the 90 day fraud alert, but Equifax has not activated the service on my account nor notified XXXX or XXXX to my knowledge. I want to know what steps are being taken to further protect my information and my credit history from being misused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2017-09-12
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received initial communication from Rent Recovery Solutions in the form a letter dated XX/XX/XXXX ( no postmark present ). This letter did not include verification of the debt. On XX/XX/XXXX, I replied via certified mail with return receipt asking for verification of the debt and to consider the debt in dispute. 

After having sent the dispute, I received a letter dated XX/XX/XXXX ( no postmark present ). This letter threatens to report the debt to all three national credit bureaus. Reporting the debt to credit bureaus while the debt is in dispute would be a violation of FDCPA. Because this letter was sent less than 30 days after initial communication, Rent Recovery Solutions could not be sure the debt would not be disputed when sending this letter. 

Per the return receipt, my dispute letter was received by Rent Recovery Solutions on XX/XX/XXXX. I was called by Rent Recovery Solutions on XX/XX/XXXX. As of XX/XX/XXXX, I have not received verification of the debt. Because I have not received written verification of the debt in dispute, the phone call on XX/XX/XXXX was in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2022-09-08
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express clawed back the reward points that they gave me XXXX year after I upgrade my card! I used my Amex XXXX previously and I received XXXX promotion last year and promise to give me XXXX reward points after I upgrade to Amex XXXX Preferred. I did receive the XXXX points after I upgraded it and I keep using it until XX/XX/XXXX this year. And it has been almost XXXX year ( few weeks left ). And I called the American Express Representative and asked if I can downgraded it back to Amex EveryDay after the upgrade cycle is fulfilled without affecting my account 's reward points. She said no worries, the downgrade would not affect. And I trusted her. They immediately downgrade my account. But my account was deducted XXXX reward points few days after I called. I doubt that they are trying to tempt me into this situation. I also called to complain about this and told them they made a mistake. I was planning to fulfill the upgrade term before the downgrade. They just said the terms are just there and the deduction is normal. The downgrade can not be reverted. They deduct the membership fees but did not give me the reward points. They won twice. I felt so disappointed on American Express and I just want to let others know how American Express treat their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC bank purchased BBVA and on XX/XX/XXXX stopped all access to accounts via email to accomplish the cutover by mid next week. From XX/XX/XXXX to XX/XX/XXXX I had no visibility of my accounts. I made numerous phone calls and visited the branch bank where I could at least get some info. Only by accident on XXXX XXXX, while checking my account did I see visibility of what was in each account. No email or phone call telling me it was fixed. With out my checking myself I would have never know it was fixed. It is unheard of for a major bank to XXXX up a conversion this bad. They admitted in a phone conversation that they had attempted to do the conversion with in house IT people, FIRST MISTAKE. 
SECOND MISTAKE, not providing an apology or compensation to affected customers for their screw-up. I have since removed most of my money and am contemplating closing the remaining three accounts. So far a terrible bank to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Information belongs to someone else

Complaint:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2021-09-25
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: Information belongs to someone else

Complaint:
I sent a letter regarding inaccurate and unknown things in my credit report. To this day overabout 2 months later, I have yet to receive a response. I feel like I'm being taken advantageof and being ignored of my disputes. Section 611 ( a ) clearly states that a failure toinvestigate these items within 30 days gives me a reason to immediately remove these itemsfrom my credit report. It's been about 2 months now so they should be deleted promptly. Idemand these accounts be deleted immediately or I will file litigation due to the stress thatwas caused to me. My information was also impacted by the equifax data breach and mayhave got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIRCOMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MYID, AND A UTILITY BILL FOR FURTHER VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2022-09-08
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
**THIS US NOT RESOLVED***Shellpoint took my unapplied funds of {$1600.00} and applied to my partial claim without my knowledge. I made that payment in XXXX for XXXX payment however I couldnt come up with the remaining. I called Shellpoint and was able to get one more month of forbearance and a partial claim. I asked my csr rep numerous times what happens to my money I already sent she advised it would remain in unapplied. Well the partial claim is filed and without my knowledge they took the money I had towards my mortgage payment. XXXX XXXX the rep is lying and I have asked for all the phone calls we discussed as they will not provide for me. I discussed this with her a number of times before I even decided to file a claim. I would never ever did this the point was to catch up on my bills. Not to use money I have towards a partial claim what would be the point. They are taking my money they did an error and needs it to fixed. My mortgage is paid in full but they arent applying it correctly. I want all the phone calls I discussed with her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

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 2017-09-12
Company: Experian Information Solutions 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:
My granddaughter and I have the same first name but difference last name we have the same address but we do not have the same birthday nor do we have the same XXXX XXXX XXXX. Her student loans came up on my credit report and I would like to have them removed. The amounts and dates are XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, I called XXXX XXXX XXXX Credit and they told me I  needed to file a complain with Experian. This is not the first time this has happened and I would like for it to stop.

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 2022-09-08
Company: EQUIFAX, INC.
State: OH
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 filed a dispute on XX/XX/2022 with XXXX XXXX and XXXX, XXXX, and Equifax. However, the credit bureaus said the completed investigation and everything was 100 % accurate. 

According to the law 15 USC 1681a-Definitions : rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talke to? 

How did they complete this investigation? 

How and who they verified this information with? 

I also had this bankruptcy removed from my XXXX  XXXX file and have attached the letter stating so. I also submitted this with my previous complaint and XXXX is stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This tells me that they did not investigate and the fact that I sent them a letter stating that it was removed and you are still reporting as accurate tells me they are blatantly breaking the law and violating my rights. My report is not 100 % accurate and they are reporting inaccurate information on my report. I have tried to have this corrected with them multiple times and I don't feel they have any integrity and the other agencies have not even sent me a response and it has been well over 30 days for all three. 


I have also received a letter from

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: IL
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 company has mislead me to apply for credit cards, installment loans and car loans only to get denied. The company claimed I was pre approved each time. I have ao many derogatory marks due to the company pressure to apply with a guaranteed approval to not have anything. Plus the would report my score was one thing. Went to a dealership and my score was almost XXXX points lower. So disappointing and frustrating when your trying to be a independent American. 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 2023-07-17
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: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 


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 2022-09-08
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been repeatedly contacted by Hollis Cobb Associates for a medical bill from XXXX XXXX in XXXX, GA that was paid in XXXX of XXXX The creditor sent notice to Hollis Cobb Associates that the debt was paid on XX/XX/2022. I have received weekly calls and deceiving messages ever since. I have repeatedly told them the debt was not valid. I can't stand that these people know my personal information and it was given to them by a medical professional over {$60.00}. Unbelievable.

Company response to consumer: Closed with explanation