BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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:
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 USC 1681. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2018-08-24
Company: Experian Information Solutions 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:
I am writing to CFPB being I'm a service member serving in the XXXX XXXX XXXX by which I have a complaint and would like for this item to be removed being I have followed and sent the required doument of ( SCRA ) Service Members Civil Relief Act a while back and they are reporting incorrect information and information that is not mines. From the several complaints written here on the consumer financial protection bureau from similiar service members and veterans I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

These are the companies that are all 3 of my credit reports that are inaccurate and not mine : 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 non-monetary relief
Consumer complaint received 2018-08-24
Company: STERLING BANCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Since XX/XX/2018 I have been unable to access the " Bill Pay '' feature of my three accounts with XXXX XXXX XXXX. I have called multiple XXXX numbers, gone to the local branch several times, called the branch many times since XX/XX/XXXX when their system was supposed to be back up and usable. As of this morning, XX/XX/XXXX the Bill Pay function is still down. I am unable to tell if the automatic monthly bills will be paid at the first of the month. If they bills are not paid, as they had been in the old system, it could damage my credit report. 
All my calls, except the ones to the branch, have been recorded by the bank. They should have the support documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
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 USC 1681. 
XXXX XXXX XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, INC.
State: TN
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 was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX  : XXXX ). 

Thank you for all your help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: Experian Information Solutions Inc.
State: TN
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 was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Experian : XXXX ) XXXX XXXX ( Experian : XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX XXXX XXXX ). 

Thank you for all your help with this.

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 2023-02-22
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management was paid in full on XX/XX/2020. On XX/XX/XXXX, I called to request a receipt for payment, because one was not provided at the time of payment. I was then informed, though my balance is {$0.00}, that the business doesn't provide receipts for payment and that I'm not " eligible '' for a letter documenting the full payment until ten days after the payment was made ( two days before the hearing date ). The warrant of debt was received by courier ten days after the date recorded on the document. The mailed legal documents, dated XX/XX/XXXX, were deposited in my mailbox twelve days after the date printed on that document, on XX/XX/XXXX. When I contacted Midland to ask if they intended to continue pursuing a lawsuit on a {$0.00} account balance, MCM 's representative responded XXXX twice ), with only, " Well, you do still have a [ lawsuit ] ( paraphrased ) ''. Now, I'll go to court to defend myself from litigation over a debt that is no longer owed, without a receipt, having only a printed screenshot of the payment confirmation and my bank record of payment, because Midland Credit Management says it's not their " policy '' to provide receipts for payments made to them. Incidentally, I originally took on the debt ( now, finally paid ) in order to get food.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2018-08-24
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX & Experian I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.

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 2017-09-20
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: Account information incorrect

Complaint:
After correct reporting for 6 years, Experian suddenly starts reporting my bank credit card was subject to a chap XXXX bankruptcy. My bank XXXX XXXX, has correctly reported this account was exempt, fully paid every single month for over 6 years, open, and had a XXXX balance at time of incorrect report. XXXX has previously call Experian the last time they screwed it up, that stayed fixed for 6 months, now revert to incorrect report. 
Please forward this complaint to the FTC, as their penalties ate not effective in correcting the biased CRA reporting. They continuously violate CFPB, FTC, and FCRA regulations and display utter disregard for consumer interest.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've completed disputes with the credit bureaus in regard to student loans that appear on my report that do not belong to me. 

Letters to the credit bureaus were sent on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have never received a response from the credit bureaus, nor the creditor, in any of my correspondences.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Concerning my XXXX Credit Card They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my chase account. Lateness for XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) XXXX card services offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XX/XX/XXXX and was in effect until XX/XX/XXXX. You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to XXXX credit card services on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has XXXX chosen not to respond, it is also past the XXXX period legally for them to do so. On top of that XXXX, XXXX, and Experian has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO EXPERIAN XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # 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 2020-07-10
Company: Home Point Financial Corporation
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Homepoint Financial is supposed to be handling the closing of our home on XX/XX/20 and they have not communicated or completed our closing process. Our real estate agent, title company representative, and the settlement lawyer have tried contacting Homepoint through email and by telephone over the past month and have received minimal responses. We have sent the same requested documentation multiple times and then are told we have to send the information again. The level of incompetence and mishandling of information is overwhelming and has caused our family undue hardship both financially and physically. Homepoint Financial needs to be held accountable for their completely unethical and incompetent handling of financial and personal information. We would hate to have another family go through what we have experienced with Homepoint Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: BBVA FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
XXXX has totally XXXX my credit up putting on stuff that is not mine ruined my credit this has taken 120 days and still not fixed after ftc and fcra sent over with police report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CNG FINANCIAL CORPORATION
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Check & Go repeatedly calls me and leaves messages, I am NOT a customer of theres, but they leave messages regarding " my upcoming appointments ''. I have called them multiple times, they want date of birth and SSN, repeat, I am NOT a customer! I have called to be removed only to be given other # s to call or websites which both options ask for personal private info. They leave so many messages it fills up my voicemail box. Most recent call was XX/XX/19 @ XXXX XXXX mst. I called only to get the run around again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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:
I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I was confused because none of my accounts have ever been in bad standing. I looked through my credit report and i saw six accounts that I never opened. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX  and XXXX/XXXX   XXXX. I do not have any written/verbal contract with any of these companies nor did I ever allow them to run or access my credit. I did not benefit anything form 4these accounts being opened in my name such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts.

Company response to consumer: Closed with explanation