BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Someone got my social security number and thus got my birth date and CA. license information. I am afraid they will try to get credit cards, loans, drain my checking account and other nefarious aacts. I need protection so as not to be held liable for any unauthorized use of my Social security number, CA. license number, etc.

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 2018-02-14
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: Public record information inaccurate

Complaint:
Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.

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 2017-12-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a 3rd party person to talk for me. When she try 's to do so the mortgage co. tells her that they have to down load the paper work she has sent them. They told her that they are still doing work from XXXX/XXXX/XXXX she sent the paper work on XXXX/XXXX/XXXX. The last time she spoke to them they said they had the paper work but ca n't talk to her till it is down loaded my sale date is XXXX/XXXX/XXXX by the time they get it down loaded there will not be much time to try to stop the sale of my home. I do n't understand why down loading paper work should take so long with the technology of today it should take a few days and not weeks to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: PA
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/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX. 

Account number : XXXX, Account name : XXXX, reporting on Experian, XXXX, and XXXX has violated XXXX rights. 

Account number : XXXX Account name : XXXX XXXX XXXX  Experian and XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. Reporting twice! 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. Reporting twice! 

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 a 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 non-monetary relief
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Money was getting token out by a person not on my account on my occasions

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 2023-06-06
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Lexis Nexis and XXXX rentbureau is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use my furnish my private personal information also The CIVIL COURT OF THE CITY OF XXXX XXXX XXXX XXXX XXXX Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead you infringe upon my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received an email on XX/XX/XXXX from the property the move out statement. I contacted the property and they had informed me I could do a payment plan. On XX/XX/XXXX I was contacted by the XXXX XXXX XXXX and notified we were in collections.I began going back and forth between companies to verify to whom I should be making payments to for the move out statement. The Debt Collectors stated it was they whom should be receiving the payments.On XX/XX/XXXX the property confirmed the Debt Collectors are the responsible party for payments.I have tried to make a payment plan and also advised them to send me correspondence multiple times to verify the debt. They have stated the debt has been in the account XX/XX/XXXX. I have tried to make a payment plan while also trying to make a debt settlement but without any documentation they have been very aggressive with having a payment up front to keep the account open before garnishing my wages. I believe this to be extremely uncomfortable and difficult. I still have NOT received any correspondence to confirm the debt. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Porania, LLC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reach out to XXXX XXXX  to freeze credit report then I reached out to courts where I was told that they do not report to credit bureaus so I reach out to them to remove it they are stating they are saying the creditors verify the account XXXX and XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: NC
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 non-monetary relief
Consumer complaint received 2023-03-09
Company: Bread Financial Holdings, Inc.
State: OH
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 fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a Wells Fargo mortgage starting in XXXX. Paid off now. But in XX/XX/XXXX I started getting sick with a XXXX that left me out of work and no income for a long period. As it onset I called WF to see options we had since I could not pay the loans on time. I was told to sell or refinance buy a deferment was never an option. I was given a terrible time through phone support. Even while in a wheelchair for 3 months of treatment and rehab I was being criticized for sound money spending to make a payment even though I had no income. I had 2 other companies i had vehicle loans with and immediately they did a deferment. Not WF. Until I had missed 3-4 payments would they even consider talking about things. We missed somewhere around 6-8 payments. When I started back I was in arrears and they started the foreclosure process and had to pay the full amount to avoid foreclosure. Even though I was still, and am, XXXX from my XXXX they wanted every penny at once. Sell, or foreclose. So I had to borrow the money from a friend to pay it off to avoid losing. My credit was so bad from lack of work and income that was the only way to get the funds. Took me a year to pay the friend as I had all.my other bills to catch up on from such a long absence of work. They were awful the whole process. I had other issues on the loan and paperwork as well. After my experience, even just the paper work and competency of the loan process, I would never do a loan or recommend to anyone. It was a horrible process. We finally had to sell due to the financial burden. So goodbye WF and that ordeal. I could do more detail but that gives you an idea of our ordeal. I may never work or walk again when I was in the hospital and my biggest concern was Wells Fargo and losing my home wh8le going through treatment and physical therapy. The stress was horrible. And almost every person I spoke too did not seem to care. The lecture I got about my financial state was the kicker. I told the lady on the other end when she was paralyzed in a wheel chair and may never walk or work again, and about to lose all she had then she had the right to judge me and criticize my situation. All thumbs down and frowns for Wells Fargo!

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 2017-12-20
Company: Pacific Union Financial, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I AM APPLYING FOR HARDSHIP ASSISTANCE AND WAS INFORMED THAT MY FILE WAS DEEMED COMPLETE AS OF XXXX/XXXX/XXXX AND WENT TO THE UNDERWRITING DEPARTMENT FOR FINAL STAGE. NO DOCUMENTS ARE BEING REQUESTED SINCE THE FILE HAS BEEN DEEMED COMPLETE AND I ASKED IF MY FORECLOSURE PROCEEDINGS HAS BEEN PLACED ON HOLD AS I READ THAT IN THE FHA GUIDELINES THAT SHOULD BE DONE ONCE DEEMED COMPLETE AND PER MY SERVICER WHICH IS PACIFIC UNION FINANCIAL STATED THAT THEY DONT HAVE TO AND THEY WILL NOT. BY THE SOUND OF IT MY SERVICER HAS GONE ROGUE AND NOT WILLING TO COMPLY WITH FEDERAL REGULATIONS AND FHA GUIDELINES. I NEED HELP ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
All these companies don't adhere to their own policies have berm harassed continually by theses companies

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 2021-04-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MIDLAND CRECIT MANAGEMENT PUT SOME ONE ELES INFORMATION ON MY CREDIT I HAND NEAVE HAND ANY TYPE OR CREDIT WITH THEMI LOST MY ID LAST YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: AR
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 in an FTC report to notify Equifax of fraudulent items on my report and they refuse to remove them. The fraudulent items are two accounts named XXXX - XXXX XXXX {$3000.00} and XXXX XXXX XXXX XXXX {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have new and updated information concerning Equifax. Equifax has published a consumer report about me for an impermissible purpose ; but yet, claims they can not identify me, in which case even more reason why Equifax should not be publishing any consumer report when all details have not been verified. Moreover, Equifax has failed to delete items in accordance with my written instructions as the consumer. Equifax is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: EQUIFAX, INC.
State: CT
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/XXXX and XX/XX/XXXX I provided Equifax, XXXX and XXXX  Credit Bureaus with proper documentation that I was a victim of ID Theft. I also filed am official report with the FTC as we. To date Equifax is the only bureau that has not removed these fraudulent accounts from my credit report. This is hurting my credit and potential new hire at firm I have submitted my resume to. The accounts that are due to ID Theft were with XXXX XXXX   account number XXXX opened on XX/XX/XXXX in the amount of {$430.00} and also XXXX  account number XXXX opened XX/XX/XXXX in the amount of {$200.00}. My attorney is taking legal steps to hold Equifax accountable for not following the Fair Credit Act Laws accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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