BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged 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 2022-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Wrote letters about incorrect information on 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 explanation
Consumer complaint received 2023-08-01
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 status incorrect

Complaint:
I am filing this CFPB Complaint to seek the removal of specific accounts from my credit file. This action is based on a mutual agreement between myself and XXXX XXXX XXXX, as supported by the enclosed correspondence from XXXX XXXX XXXX, dated XX/XX/2023. As XXXX XXXX XXXX, I currently maintain an active loan account with XXXX XXXX XXXX. Following discussions with their representative, we came to a consensus to close the mentioned accounts and have them eliminated from my credit history. The attached written confirmation clearly indicates our intent to close these accounts and erase all related information from my credit report. Here are the account details : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$35000.00} Date of Closure : XX/XX/2023 Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date of Closure : XX/XX/2023. I want to emphasize that XXXX XXXX XXXX and I reached this agreement in good faith, with both parties understanding that the necessary steps would be taken to ensure the removal of the closed accounts from my credit file.

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 2023-08-01
Company: Experian Information Solutions Inc.
State: FL
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 submitting this CFPB Complaint to dispute the inquiries referenced below and demand verifiable proof bearing my signature/electronic signature. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiries in question or delete them. This constitutes a violation of my rights under the Fair Credit Reporting Act sec 604, as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or remove them immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus required to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the items. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Thaxton Investment Corporation
State: GA
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:
In accordance with the 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
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:
This invalid and inaccurate item with an Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. that XXXX and Experian department were continuously reporting and furnishing on my credit report has long been removed from the XXXX side on XX/XX/2023. 

Im not really sure where the gap of communication begins, but I trust that they were all reporting to the same and one and only furnisher. So, might as well remove this account from their record as prompt as possible.

Company response to consumer: In progress
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX XX/XX/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 2022-12-06
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attempted to make payments online but due to the fact I am considered behind, the online system DOES NOT allow payments. You have to call an agent and make a telephone payment, sometime difficult. I have tried doing a remodification, made the payments but told I was defaulted and payments would not be accepted. 
I have attempted ANOTHER re-mod but was told my income is " insufficient '' ( even though my yearly income is $ XXXX ) and was not given any explanation or proof as to why they consider my income insufficient. 
I believe their practices are ensuring my account goes to foreclosure or short sale

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: Account status incorrect

Complaint:
XXXX XXXX is and has been falsely reporting late payments for a period in XXXX when I had a loan with them. I have already filed a complaint once on this and in the response, the late payments that are being reported and challenged were never addressed. They only addressed late payments from XXXX and XXXX which are valid. ALL XXXX LATE PAYMENTS ARE FALSE. I have billing statements proving I made the payments in addition to seeing them in XXXX XXXXXXXX XXXX customer account portal. XXXX XXXX claims they are reporting correctly yet Experian, XXXX, and XXXX show otherwise. XXXX XXXX XXXX in California even verified they see XXXX XXXX reporting late payments in XXXX when they just recently pulled my credit. Prior to XXXX I had made all on time payments since mid XXXX and continued to do so until XX/XX/XXXX and XX/XX/XXXX. In XXXX and XXXX, during the onset of Covid, they were offering deferrals for car loan payments. I took advantage of that offer which cleared any need of payments for XXXX and XXXX. I then paid every payments on time ( often early ) from then on out. Any time I have ever called, I get passed around for hours until I magically get disconnected. I don't understand why this is such a fight. All I want is my credit report to show accurately for the year XXXX. I am unable to upload the photos of the account payment history as they are too large. Attached are statements showing I made on-time payments and nothing being past due after XXXX cause of the deferments. Also attached are pictures showing the wrong info being reported for XXXX in Experian and XXXX. I am unable to show XXXX without paying for it. There is undeniable proof that I made those payments and I should be showing current for all of XXXX. I am adding XXXX, Experian, and XXXX to this as well. Not to directly complain about them but hopefully make them more aware.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Trying to buy a car and house. There are numerous negative accounts on my credit that is damaging my application in which according to 15 US Code 1681 nothing on my credit should be damaging to me personally.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: In progress
Consumer complaint received 2022-12-06
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
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 had an XXXX XXXX XXXX credit card ( administered initially by XXXX  XXXX XXXX ) for years without issue, always paying my full monthly balance each month through an automatic withdrawal from my bank account. I use this credit card only occasionally for travel expenses and otherwise mostly rely on other cards for my routine day to day expenses. A few months ago, my credit card account was transferred from XXXX  XXXX XXXX XXXX First National Bank of Omaha ( FNBO ) without any notice, written or otherwise, to me. At the same time my longstanding autopay was cancelled. I was not furnished replacement credit cards or other notice that the small monthly ( non-delinquent ) balance of a few XXXX dollars was being transferred to a new bank, without my autopay, and without a chance for me to easily pay the balance. I did not notice an issue with the credit card as I do not regularly use it when I am not travelling. FNBO began to leave me voicemail messages simply asking me to call their XXXX number without giving other information, I assumed this was spam as I had no known accounts with FNBO. They finally sent a written notice via mail to my home address demanding payment for an outstanding balance ( showing an account number last 4 digits that I did not recognize, without any other statement details, including the amount owed or other details that would verify that the notice was not spam/junk mail ). This led me to call them and finally understand that they had taken over my account, cancelled my autopay, and now charged me several late fees and interest, and reported my account as delinquent to credit rating agencies, all without having given me proper notice or a chance to pay off the small balance. I immediately paid the outstanding balance ( they did waive the late fees and interest ), and closed the credit card account. The credit reporting issue is the a major outstanding problem, as I am looking into buying a home very soon. Since my account was not properly handled and I was never given an appropriate opportunity to pay the balance, the delinquent notice on my account is inaccurate and should be immediately removed from my credit reports to repair my credit before I seek financing for a home mortgage loan. I have never had issues with credit card debt and this issue will significantly impact my otherwise excellent creditworthiness. When I called FNBO with this issue, I was told they would " look into it but can not promise anything. '' This is not an acceptable response and I need my credit to be repaired immediately.

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 2022-12-06
Company: Professional Debt Mediation, 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:
n accordance with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting act XXXX Account # XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested to receive the XXXX XXXX for my mortgage arrears due to my family experiencing a financial hardship due to family members being laid off due to the XXXX XXXX. I requested for an extension of the CARES Act Mortgage relief and was told that I had to pay at least {$10000.00} to bring my mortgage out of the pre foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXXXXX XXXX 5 mile trip from home to hospital. Paid {$260.00} by XXXX XXXX  checking to ambulance co, XX/XX/XXXX, and then paid {$46.00}XX/XX/XXXX. 
Received letter from collection agency saying the ambulance co had agreed to accept {$310.00} as payment in full, if received by XX/XX/XXXX. Both checks were received and cashed by the ambulance co prior to XX/XX/XXXX. I have bank records, and copies of cancelled checks, and a copy of the letter stating the total balance is/ was {$310.00}. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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: Their investigation did not fix an error on your report

Complaint:
There are two accounts that I have been trying to get corrected for quite some time. XXXX  months to be exact. There is an old XXXX which reports me as late and I have never been given proof that I was! It needs to be removed. What's worse is that the bureaus report Erroneously. XXXX reports the Date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX and Equifax reports XX/XX/XXXX. Equifax also reports positive and current activity on an account that is closed. this should not be listed on my report. I have requested this removed based off these errors for months and no one will help me. They just keep updating incorrect information. 

The other account is a XXXX  credit card. The Date last active is reported as XX/XX/XXXX by XXXX. XXXX reports XX/XX/XXXX and they report me late and also charged off! they can't do that! Equfax reports me with current payments after collection activity and a date last acitve as XX/XX/XXXX. this is not accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX 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 XXXXXX/XX/2022

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 2022-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Hard inquiries was discovered on my account XXXX XXXX Capital one bank USA XX/XX/22

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

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 2022-07-29
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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

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