BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In my previous complaint I nsent this : I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

Now I want you to remove these items : XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$480.00}

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 2023-08-14
Company: Experian Information Solutions Inc.
State: RI
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-07-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to file this please as my formal complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
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:
I am writing to formally request the removal of late payments and inaccuracies associated with my account number XXXX from my credit report. These discrepancies violate the provisions of 15 U.S.C. 1681a, which safeguards my right to privacy and accuracy of information. 


2. XXXX XXXX 3. XXXX XXXX 4 . XXXX 5. XXXX XXXX XXXX 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 an 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. 

I trust that XXXX, Experian and XXXX will handle this matter with utmost diligence and adhere to the requirements outlined in 15 U.S.C. 1681a. The accurate representation of my credit history is essential for my financial well-being, and the removal of late payments and inaccuracies is crucial in upholding the integrity of my credit report.

Thank you for your prompt attention to this request. I kindly request a written response confirming the actions taken to address the violations of 15 U.S.C. 1681a within a reasonable timeframe. 

Sincerely,

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 2023-02-09
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I got a report of an account in collections on my credit report. This is a fraudulent account, as I have never owned the associated account or lived at the address associated with the account. I filed a dispute with all major credit reporting agencies ( XXXX, XXXX, XXXX ). I also contacted the collections service on XX/XX/2023. They instructed me to file a police report, which I have done. The incident report number is XXXX and was filed on XX/XX/2023. My dispute was rejected and I was told the information was confirmed even though this is not correct. I also tried to get the collection agency to remove the account from my credit report and they refused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-02-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
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:
Carrington Mortgage reported me as 30 days late for the month of XXXX due to no fault of my own. I am requesting that the 30-day late reporting be corrected to reflect the account as paid as agreed. 
Since the inception of the loan, I make my payments on the Carrington website between the XXXX and XXXX of each month. On XX/XX/XXXX, I made an online payment on the Carrington website as I had always done in the past. As far as I was concerned, the payment was processed successfully. On XX/XX/2022 I received a call from a Carrington rep who informed me that they didn't receive the XXXX payment. I informed her that I made a payment online. She put me on hold and researched as to what transpired. She said that their system was down on the day that I attempted to make the payment, and that my payment was not processed successfully. She assured me that if I make a payment immediately, there won't be any late fees or late reporting. I made the payment on the spot and yet I was reported 30 days late on my credit. Please correct the reporting as promised!!! There was a glitch in Carrington 's payment processing system as confirmed by their rep and I shouldn't be held responsible for an error that occurred on their end. This was a bank error, and I am being penalized for something that was out of my control!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have contacted the company several times this week by phone to request a payoff letter for my Parent Plus loan. Each time the wait time has been stated as 4-8 hours. They give the option to receive a call back, which I did. I received an automated call back, over 24 hours later that was the same generic recording, no live person. I sent an email 2 days ago, no response. I reached out on social media accounts, no response. I need a time sensitive letter and this company refuses to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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 was notified of fraud from a credit monitor system ( XXXX  ), that multiple credit cards accounts were attempted to be opened and inquiries placed on my credit report all with XXXX, XXXX and Experian companies. The dates of these inquiries include : January 22-24, 2023. XXXX inquiries were with XXXX credit card company ( XX/XX/XXXX and XXXX, 2023 ), which I called them about, and made them aware that the person was not I who attempted the accounts. They stated the person committing XXXX tried for a XXXX credit card through them, which they declined at the time. XXXX credit card representative stated the he would notify the XXXX Credit Bureaus XXXX XXXX XXXX. I then called XXXX XXXX to notify them of the XXXX inquiry on XXXX XXXX. They stated that they did not see an account opened in my name and that I would have to send them the XXXX report letter by fax, which I am doing today, for them to follow up with Experian. I then also notified XXXX  credit card company of the inquires placed on XX/XX/XXXX and XXXX 2023. Per XXXX  they could not do anything about the inquiries due to no account being shown under my name or social. They stated I would have to wait and call them in a couple days to see if there are any new accounts made in my name. They stated they could not notify the XXXX or Experian since there was no evidence to be seen from them of fraud. After calling XXXX, XXXX  and XXXX XXXX, I then called each of the Credit Monitoring establishments. XXXX was notified of each inquiry and my account frozen to assist with further fraud attempt. Experian and XXXX were also notified and all have been XXXX account wise. After reporting all of this, I will be sending the reports from XXXX to XXXX, XXXX, Experian and all the credit card companies to help assist with deleting these fraudulent Inquiries on my credit reports.

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 2019-05-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My cousin received this voicemail from a man name XXXX ( which was strange to begin with because i have never put her number on anything other than emergency contact or reference for a job ) stating he was calling from a law office about a complaint about collecting a debt. when i called back i got XXXX XXXX, who was off rip rude as they come. XXXX tells me that he is calling regarding a debt from HSBC from XXXX XXXX XXXX of over $ XXXX. for starters, i have never heard of this company HSBC and two why are you calling me TWELVE YEARS LATER. XXXX then tells me that it was a card i applied to in XXXX and had until XXXX to pay. again 10 years later they are calling me. without any form of contact from this said company, no calls no mail. He ask to verify my address and it was wrong! it was an address from FIVE years ago, which burned down unfortunately. my address and all my personal info is up to date, including my license, so how hard were these people actually trying to contact me? they filed a claim YEARS ago and then reinstated the claim AFTER the researched my info and found that i was working ( according to this XXXX XXXX ). so, if you can research whether or not i have an income, why couldnt they research my CURRENT info to avoid all of this? 

so in attempt to resolve this issue, i asked what my options were ; XXXX then said i could pay {$500.00} now and make payments of {$100.00} or something towards the settlement of {$1500.00} they were offering. mind you, this credit card had a credit limit of {$300.00} according to this XXXX person and TWELVE YEARS LATER its at over $ XXXX. When i told XXXX that i couldnt possibly pay XXXX up front he asked when i could make the payment. i was honest and said probably not until the end of this month ( XXXX ) or beginning of next month, as i am not rich and can not shell out XXXX in the blink of an eye. his response? " NEXT MONTH?! YOU DONT GET PAID AGAIN? ". i told him of course i do but unfortunately i have other responsibilities and i cant just abandon them to please you. oh! and even better, he kept saying " i dont have to help you '' almost like he was doing me a favor on something I HAD NO IDEA ABOUT! 

in the end i asked how i could get in contact with HSBC and the XXXX then said " IN COURT! Ill get you served, good luck '' and HUNG UP! 

it is absolutely ridiculous for this company to be threatening to garnish my wages, etc when this said account is TWELVE YEARS OLD, they have inaccurate info on how to contact me AND demand that i pay XXXX out front. had this company contact me sooner and not TWELVE YEARS LATER i would've been happy to settle the debt but they are looking real desperate to be coming after someone TWELVE YEARS LATER with this garbage and threatening people to get their way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 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  has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Starting XX/XX/XXXX to date I have written XXXX letters to XXXX XXXX and XXXX letters to Experian, XXXX XXXX and XXXX. Copy of XXXX attached. 

XXXX XXXX, Experian, XXXX XXXX, and XXXX are reporting XXXX items which I believe are false. 

Item XXXX is showing a XXXX  day late on my XXXXXXXX XXXX mortgage for XX/XX/XXXX. I have asked for the records or the removal XXXX  times. Each time I get the same response from the credit bureaus. They claim the past due was verified but I have receiving nothing from XXXX XXXX supporting that claim. The mortgage was in forbearance for covid and should not have been reported late. I would like this removed from all three credit reporting agencies. 

Item XXXX is the balance of my mortgage. The credit reporting companies show I owe a balance of {$630000.00}. The monthy mortage statement shows a much lower balance of {$580000.00}. I have written to XXXXXXXX XXXX XXXX times with no reponse. I have written to all credit agencies but they continue to report the incorrect amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: LA
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:
Inquiry for Credit card showing on credit report for XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/2023 I did not apply for a XXXX card because I already have one with the company. Please remove inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
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:
These inquires are unauthorized and they are not related to any transaction by me : 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

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 2023-07-21
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, In XXXXXXXX XXXX  XXXX, I disputed the accuracy of the credit reporting being done by XXXX XXXX onto my credit profile. This request was done directly to XXXX XXXX vi certified mail. On XX/XX/, I received a notification from XXXX that the payment history has since been updated to accurately reflect the status of the account. 

Unfortunately, these updates were not provide to the other two major credit reporting bureaus and the information being reflected on my credit profile is therefore inaccurate and inconsistent across the three bureaus.

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