BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: Experian Information Solutions 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:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concern regarding the recent response from Experian Information Solutions Inc., dated XXXX XXXX XXXX, which states that they have swiftly verified the inaccuracies on my credit report. It is crucial to emphasize that the disputed information is the result of identity theft, and its fraudulent nature raises serious questions about the thoroughness and compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The expedited verification process, especially considering the fraudulent nature of the information, prompts me to seek further clarification on the procedures followed by Experian. According to my understanding of the FCRA, a credit reporting agency is obligated to conduct a reasonable investigation, including contacting the furnisher of the disputed information, within 30 days of receiving a dispute. The rapid response from Experian, given the fraudulent context, calls into question the integrity and legality of their verification process. 

I urgently request that the Consumer Financial Protection Bureau investigates the expedited verification of the fraudulent information by Experian. It is essential to ensure that Experian followed proper procedures in line with the FCRA and FDCPA during this recent update. 

Enclosed are copies of my correspondence with Experian, including their verification response dated XXXX XXXX XXXX. Your prompt attention to this matter is crucial in safeguarding consumer rights and addressing potential violations in the verification process. 

I appreciate your immediate assistance and commitment to upholding consumer rights in credit reporting. 

Sincerely, 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 2023-12-15
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: Reporting company used your report improperly

Complaint:
I submitted a dispute requesting proof of debt on XX/XX/XXXX and XX/XX/2023 and have not received validation of the debt from Experian 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 2023-09-20
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account with BMO Alto. I entered all of the data they requested, accurately. We never even got to the identity verification questions : once they had my SSN and my address and phone number, they sent me a verification code to my phone number, I entered it, we went on another couple of screens, and then they just told me that they were rejecting me, and that I would get an email with more information. 

They did send me an email. It had no more information. Just 'we are rejecting you ', no reason, no more information than that. 

I called their customer service line and they were unable to give me any more information, nor were they able to send me to a reconsideration line nor tell me any way in which I could find out what their reason was for rejecting me. I simply have been turned down for an account for an undisclosed reason. It could be because of some information they have about me which is incorrect, or because they don't like my name, or whatever. All I know is that they are denying me access to their product for an undisclosed reason which may or may not be illegally discriminatory or entirely incorrect. ( Since my credit score is generally between XXXX and XXXX, I always pay my bills on time, and I make well into the top 10 % of income in the US, I can't imagine that they have any GOOD reason for rejecting me. )

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 2023-12-16
Company: EQUIFAX, 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:
For Equifax, the following personal information is incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX For XXXX, the following inquiries were not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX : XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-20
Company: EQUIFAX, INC.
State: CA
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'M A VICTIM OF IDENTITY THEFT. THIS IS MY XXXX REQUEST FOR REMOVAL OF THE FRAUDULENT INQUIRIES SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
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:
INACCORDANCE 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 16.81 The accounts below have violated my rights.

15 U.S.C 1681 section 602A 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 ) ( a ) 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. 

Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring to your attention a persistent issue I have encountered with the credit reporting process. Despite my efforts, incorrect addresses continue to be listed on my credit report, negatively impacting my financial standing. 

I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect address remains unchanged. I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.

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 2023-12-16
Company: EQUIFAX, INC.
State: DE
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:
As of XX/XX/2023 there are late payment reports and utilization being reported after I opted out per 15 USC 6802 ( b ) XXXX has failed to acknowledge my requests and continues to violate my rights to privacy and furnish information to their third party affiliates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: MI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX 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 2023-12-17
Company: EQUIFAX, 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:
I disputed these accounts and inquiries due to fraud. The other two credit bureaus removed the accounts and inquiries, but Equifax lied and said they validated the accounts and refuse to remove the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sat XX/XX/XXXX I used ATM machine a local bank of america XXXX in XXXX, Florida. I deposited a check in ATM machine for {$2200.00}. XXXX kept my check and did not post funds to my account. This was at XXXX. I went into the branch where no one would help. I get a telephone number to call. I go home I call bank of america. I file a claim. I get no information on when I will get my funds. I call the next day XX/XX/23 and I'm told the claims dept isn't open on the weekends and I should call back on Monday XX/XX/23. I call back a 3rd time to be told that they are back logged and will not give me a temporary credit until someone is able to research and watch the camera to make sure I deposited the check like I said I had. Then I'm told that I will not receive any credit until 2 weeks from now. Also it could take up to 30 days to complete my claim. This is XXXX  week. It was a bank of america check, written to a bank of america customer deposited into a bank of america machine. I have been a loyal customer for 18 yrs. I have a credit and savings account with them. For me to be treated this way over a broken ATM machine, especially during a holiday week is unacceptable. I shouldn't have to chose between paying my bills or feeding my family XXXX dinner because of their ATM machine error. I'm beyond upset. The last person in the phone wants to tell me my feelings are validated and that's all they can do. Excuse me? It's XXXX and I need to pay bills and feed my family and your keeping my money and I'm supposed to feel better because my feelings are validated.? I will get this resolved one way or another and never do business with bank of america again.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TRANSUNION, XXXX, and XXXX credit agencies are reporting incorrect information on my credit report with address, phone number, and wrong name being reported. I have asked that they be removed and other credit reporting issues that are being reported without my written consent. 

The laws that they are breaking are 15 USC 1992, 15 USC 1681c-1,15 USC 1681c-2 , 15 USC 1681i, 15 USC 1681b, 15 USC 1125, and 15 USC 1695.

I have sent a dispute letter to each Agency and there has not been a response so I am asking for CFPB for your assistance in this matter.

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 2023-09-20
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:
I noticed some inaccuracies on my credit report i brought it up to Transunion XXXX and XXXX they told me they were going to take care of the problem but they never did. its effecting my credit report and score.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 found disputes with the three measurement major credit bureaus and they're telling me that the information was verified and how can it be verified if it's not mine. I do not have any medical bills that are outstanding. That's it that's all there is to say it's not me they need to take it off and don't just dismiss my dispute.

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 2015-06-02
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying since XXXX of 2014 to remove PMI from my mortgage loan. Despite XXXX written letters and numerous calls, there has been no response from my lender. This is costing me {$150.00} per month for unnecessary PMI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

Company response to consumer: Closed with explanation