BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
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 : this, XXXX XXXX  {$1700.00} Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
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 was advised by a XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries in my report. These are the fraudulent inquiries : Name Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2023 I sent a certified letter to experian asking for specific documentation on how their company went about verification of certain items on my credit report, including how their dispute process works. No information was sent to me from Experian and they are in violation of my rights as a consumer according to FCRA ) Section 611 ( a ) ( 7 ). Experian failed to provide the requested documentation within the 15-day period as required by law.

Company response to consumer: In progress
Consumer complaint received 2022-09-27
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had case # XXXX vs XXXX Bank XXXX XXXX. I settled and paid through XXXX XXXX XXXX XXXX ( XXXX ). I paid an initial payment 0f {$1100.00} and then paid the rest os scheduled monthly payments through XXXX pay using my bank. Last payments finished on 2020. 
I have been receiving harassing paperwork from XXXX XXXX attorney at Law ( XXXX ) XXXX, duplicating case # XXXX and asking for {$4500.00}. which was already collected by XXXX XXXX XXXX XXXX. 
I went through my bank statements to ensure the payments were there. 
This is appalling and sad that we are letting these firms STEAL from every day people trying to make a living. I went through a hard time but did pay XXXX all that I owed. Why is XXXX XXXX trying to steal from my family. I fought for my country and would do it again in a heartbeat. 
Please help and correct/punish these individuals trying to take advantage of our systems.

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: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 XXXXXXXX is reporting a repossession on my credit reports that is not accurate. The address on a repossessions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX. Ive never lived there. I live in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX as youre about to see, Im gon na upload my ID with the address on it along with the Fraud affidavit. This needs to be deleted I put order information on the fraud affidavit. Theres no reason why it shouldnt be deleted or else else I will sue the credit bureau due to the violations report an accurate information without my knowledge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: AL
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Per FCRA 604A 15 US CODE 1681 B, there never was written consent to report anything and 605A 15 US CODE 1681 C1 without written consent is identity theft. However, the account is paid off and is reporting as both paid on one credit report and derogatory on another. Also it states it a charge off so it can't be all three

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 2023-11-18
Company: EQUIFAX, INC.
State: AZ
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:
An investigation by the credit bureaus showed that the XXXX XXXX XXXX XXXX XXXX account XXXX belongs to me, although I indicated that the billing address indicated in this account is an address that was made fraudulently, attaching a FTC report to these investigations, but the credit bureaus considered that this account belongs to me with which I strongly disagree with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: BARCLAYS BANK DELAWARE
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:
Original complaint # XXXX In the original complaint I asked for one thing : Remove or explain an incorrect address. 

The response I received : " In your correspondence, you advised us that we are reporting an incorrect address to the credit reporting agencies. Unfortunately, I can not substantiate this claim. '' So where did the address come from, and why couldn't it be removed? 

If there was no supporting documentation to substantiate the address, wouldn't an easy fix to be remove it? Instead of hours of time and $ $ spent by Barclay, their fraud department, XXXX XXXX, CFPB, and myself ( although I'm not on the clock and getting paid for this exercise in futility ), the address was never substantiated. 

When did I question the validity of the account? That was thoroughly researched but was never questioned to my knowledge. The false statements or downright lies on behalf of Barclay by your representatives provided in the original complaint were just fyi. In case anyone cared how the employees talk to ( current, former, or future ) customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On or around XX/XX/2021 I fell victim to scam operations run by XXXX XXXX which involved me making deposits for a total amount XXXX XXXX from my XXXX XXXX XXXX XXXX wallet accounts to Kraken at the instruction of the scammers. 
Given that their client owner of wallet :. XXXX Was an active participant in the movement of my money, which eventually ended up wth the company, Kraken have not exercised their duty to identify this suspicious scheme in a timely manner. 
Kraken should have reported this activity as it no doubt involved money laundering. 

When I sent a complaint to Kraken they would not take any action and told me to file a police report and ask law enforcement officials responsible for this investigation to contact them directly. I am therefore doing so and ask your assistance in resolve this issue. 
I am available to provide more information as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit report that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

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 2022-12-07
Company: Experian Information Solutions Inc.
State: LA
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 sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX 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 explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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:
All 3 credit bureau specially XXXX told me that they don't do the investigation. They just call the creditor/ Furnisher that's how they determine if the account is accurate.They refuse to send me a letter on how they did the investigation. Even though I saw multiples errors on my credit reports i send them a certifiedletters of a copy of my credit report on specific errors. The credit bureau did not send me a notification letter of the investigation. I send on it XX/XX/2022 to all credit bureau. But the outcome is factual. How can it be even though there was multiple errors. They refuse to delete the errors and refuse to send me a copy of the process. Also was not following the FAIR CREDIT REPORTING ACT. I called multiple times to get a letter of the process on how the investigation was handle. But they said they don't send letters out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. XXXX and Experian continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report so I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Mercedes Benz Financial Services
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. MERCEDES-BENZ FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES-BENZ FINANCIAL XXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am behind on my home loan. My loan company is holding {$8500.00} left from my insurance claim money from a hurricane claim. I sent a letter requesting that the money be applied to my loan balance. They did not approve it. I then requested, the remaining amount to be sent to me. They did not approve that. The remaining balance is less than 10 % of the original insurance check payment made to me by my insurance company. I mailed them XXXX payments totaling {$3800.00}. They sent both payments back to me. I completed a hardship packet in which I asked to pay {$10000.00} and if they could divide the remaining {$1500.00} into XXXX payments. They again did not approve it. My reason for being behind is because I was out of work. My total amount behind is {$11000.00}. They don't want to work with me because I only owe XXXX, and my house is worth {$750000.00}. They would make over a half XXXX dollars in profit by foreclosing on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$820.00}, {$0.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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