BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Experian on XX/XX/XXXX when I noticed my Experian score decreased a whopping ( XXXX points ) for no apparent reason and without explanation. 

On XX/XX/XXXX I paid off an account, paid as agreed, {$0.00} balance. Never late, no late payments or derogatory. I filed a dispute and they updated balance and status to show paid/closed and I spoke with an agent ( XXXX ) XXXX XX/XX/XXXX. 

XXXX was unable to give any explanation for the huge drop in my score. This is an unacceptable business practice and a violation of the FCRA, unfair business practice and violation of my rights. 

I want my score restored back to XXXX where it was prior to closed account. 

Take note that paying off the account had no impact to my XXXX and XXXX scores. It actually increased 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 2016-11-24
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting information on my credit file that is clearly inaccurate and unverifiable and by law it has to be deleted. 

I am asking you to adhered to the law and removing these negative account. 

I have provided infallible proof.

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 2015-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian continues to report inaccurate information on my XXXX XXXX account XXXX. 1. This is a charged of account from XX/XX/2008 it should no longer be being reported. 2. I requested you verify the information, and Experian has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4. Experian is the only cra that is reporting this invalid account. Account has been removed from XXXX and XXXX. Experian needs to remove account from my report immediately or I will seek legal action. You can not continue to report an account that is past the statute of limitations to be reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed an SEC complaint against ALLY Invest about a week ago due to refusing to sell investments in a timely manner. Then on XX/XX/22, I tired to withdraw the money from my Ally Bank account only to find it blocked. I called Ally Bank to find out why. They would not say. Instead Ally Bank directed me to their fraud department. I was made to verity myself and then placed on hold. The fraud department came back and said they did not believe I was the owner of the bank account. 

I was mad. All my savings is with Ally. If my account stays closed, how will I pay my bills? My paycheck goes to ALLY Bank. I can't get any money out an ATM because my account is locked. I would need to send in more information about myself before my account would be opened again. I sent information on XX/XX/22. I called today on XX/XX/22 and ask for the status of the account closure. Ally fraud department still will not say anything. I was told there is no set end time for the fraud investigation. 

I am not understanding any of this. How can a bank just take a person money without warring? I have bills to pay. There has been no fraud on my account in the XXXX years I have held this account. No one at ALLY Bank has ever asked for more information about my ID. 

Can someone help me? If this does not get resolved soon, I will have to sell something to pay my bills.

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 2016-03-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to Experian, XXXX, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The XXXX online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the following XXXX companies listed below has violated my rights 1. XXXX - XXXX ( Account # XXXX ) 2. XXXX XXXX XXXX ( Account # XXXX ) 3. XXXX XXXX XXXX ( Account # XXXX ) 4. XXXX XXXX XXXX ( Account # XXXX ) 5. XXXX XXXX XXXX XXXX  ( Account # XXXX ) 6. XXXX ( Account # 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 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
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2015-04-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, Equifax, and XXXX ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX in XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Equifax since you told me to file separately against each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I pulled my credit annual report and found false information being shared to credit card company. Nasty remarks like failed to pay promised loans I am not receiving any credit for continueing to paying my home mortgage ( XXXX XXXX XXXX ) and my home equity line of credit ( XXXX XXXX ) since XXXX XXXX. A few other no no 's have been deleted, but Experien is Remaining on the outcome to not report. it shows CO XXXX XXXX, which I have made my payment since day one of this bank buying my loan in XX/XX/XXXX to XX/XX/XXXX. Same with us bank. So none of the credit agencies are willing to do the right thing and report my payments being made, on time, every month, never late. XXXX got even nastier and took my fica score from XXXX to XXXX than XXXX within 2 weeks??? I am not giving up to get the correct credit reporting. I sent them proof of all my payments made, proof from both corporate banks showing i made the payments and these credit bureas are still refusing to show that. I can send documents if need be, but these are sensitive and last thing i need is more problems with my credit. If need be, i can send all that I have in, which is about XXXX pages. XXXX XXXX muddied up my credit report last year when I cancelled a refi loan in where they were asking enormous fees to do an appraisal. The paper trails says it all for itself. it 's not coincidental, I spoke with XXXX men XXXX and XXXX at the XXXX office, and they both had bad attitudes towards 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 2022-12-29
Company: EQUIFAX, INC.
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:
EQUIFAX* XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX The inquiry occurred without my knowledge and these inquirys occurred without my approval. 
I sent letters to the Three Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX. 
XX/XX/XXXX The Inquirys have not been removed and I have not recieved a responce.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went to see an apt that i wanted to rent from whom i thought was a realtor. She explained to me what steps to take to deposit my money into the owners bank account to hold the apt for myself. After i deposited the amount i needed and sent her confirmation she said she would call me back and set up a time for the next day to sign a lease agreement. After a few hours my phone calls would go straight to voicemail and now I 'm trying to get my deposit back from this scammers account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: SC
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 Account # 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 Accounts : XXXX XXXX XXXX number XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX.-Account number XXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX XXXX  NA XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
ON APPROXIMATELY XXXX/XXXX/XXXX I REQUESTED, THAT THE TRANS UNION CREDIT REPORTING BUREAU. COMMENSE AN INVESTIGATION, OF WHY MY THEN XXXX XXXX AND LATER. XXXX, ACTIVITY HAD NOT BEEN REPORTED BY THEM IN MY RECORDS. BY TRANS UNION CREDIT REPORTING BUREAU, SINCE XXXX/XXXX/XXXX. WHICH RESULTED IN MY TRANS UNION CREDIT BUREAU FICO SCORE BEING REDUCED BY APPROXIMATELY XXXX TO XXXX POINTS. OVER THE LAST EIGHT MONTHS, BY TRANS UNION. WHO, ONE OF THEIR AGENTS ALLEGED TO ME, VERBALLY VIA MY PHONE CALL TO TRANS UNION. THAT TRANS UNION CLAIMED TO HAVE LAUNCHED AN INVESTINGATION. THAT I REQUESTED OF THEM, TO ASCERTAIN WHY? MY XXXX REPORTS TO THEM HAD STOPPED SINCE XXXX/XXXX/XXXX TO TODAY XXXX/XXXX/XXXX AND COUNTING. THE TRANS UNION AGENT I SPOKE TO DURING THE MONTH OF XXXX XXXX. ALLEGED THAT TRANS UNION HAD TRIED TO CONTACT XXXX FOR UP TO 30 DAYS DURING THE MONTH OF XXXX XXXX TO NO AVAIL E.G., TRANS UNION ALLEGED THAT XXXX NEVER RESPONDED. DURING THEIR ALLEGED 30 DAYS OF TRYING TO CONTACT XXXX. HENCE, TRANS UNION ALLEGED THAT AS A RESULT OF XXXX RESPONDING TO ANY OF THEIR ALLEGED COMMINIQUES? THAT TRANS UNION WAS BY THEIR POLICY, HAD TO COMPLETELY DELETE MY XXXX AND LATER XXXX CREDIT ACTIVITY ACCOUNT. THE TRANS UNION AGENT WHO CONVEYED THIS IMFORMATION TO ME VIA MY PHONE CALL OF COMPLAINT TO THEM. I ASKED TO SEND ME ALL OF HIS ASSERTIONS. IN A LETTER DOCUMENTING ALL OF WHAT TRANS UNION ALLEGEDLY DONE? DURING THE INVESTIGATION, I ASKED THEM TO ACTIVATE ON MY BEHALF. AGAINST XXXX AND XXXX. FURTHERMORE, THE TRANS UNION AGENT IN QUESTION, SUGGESTED THAT I CONTACT XXXX AND ASKED THEM TO START. THEIR OWN INVESTIGATION ON MY COMPLAINTS. WHICH I DID, BUT XXXX HAS GIVEN ME. THE RUN AROUND, THEY 'VE BEEN DECEIPTFUL, MISLEADING, THEY 'VE IGNORED ME, AND BASICALLY HAVE ABANDONED ME. NOW, I STILL WANT TO SEE MY TRANS UNION RECORDS. TO SEE, IF IN FACT THEY DID LAUNCH AN INVESTIGATION ON XXXX? AND IF WHAT THE TRANS UNION AGENT TOLD ME ABOUT THEIR ALLEGATIONS. OF XXXX NOT RESPONDING TO THEIR TRANS UNION ALLEGED INVESTINGATION IS TRUE OR NOT? AFTER ALL, TRANS UNION NEVER, GAVE ME THE COURTESY OF A DETAILED LETTER. VERIFYING THEIR CLAIMS OF THE INVESTINGATION. I REQUESTED OF THEM TO FIND OUT WHY MY TRANS UNOIN CREDIT FICO SCORE. HAD DROPPED BY XXXX, XXXX, XXXX, XXXX POINTS OVER THE LAST SEVEN ALMOST EIGHT MONTHS? AND WHO WAS RESPONSIBLE FOR THE NON-REPORTING OF MY XXXX CREDIT ACTIVITY? WAS IT TRANS UNIONS FAULT OR XXXX FAULT? AND IF IN FACT THIS MATTER, IS TRANS UNIONS FAULT? I WANT THEM TO ISSUE ME AN APOLOGY, PLACE IN MY RECORDS THIS GRAVE ERROR OF THEIRS, AND RESTART TO CORRECTLY LIST MY CREDIT REPORTS CONSISTANTLY, AND ACCURATELY AGAIN IMMEDIATELY. AND TO SEND ME ALL OF THE DETAILED DOCUMENTATION OF THESE MATTERS, VIA U.S.P.S.

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 2015-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed inaccurate information with XXXX since XXXX when I filed a counter lawsuit against them. The case was settled in XXXX. However, XXXX continues to intentionally report inaccurate information. The attorney representing XXXX is XXXX, ( letter attached ) and I have sent them XXXX dispute letters as well. The first dispute letter sent to XXXX once they took over the account from the previous debt collection attorney whom I litigated the case with was emailed and e-faxed on XXXX XXXX, XXXX. 
However, I have disputed this account to XXXX and all three credit reporting agencies since XXXX. XXXX sent me a partial response showing the information on my credit report is inaccurate date of last delinquency is inaccurat and according to the statements they sent me, there were no payments made in XXXX, XXXX or anytime after, yet they continue to report a payment in XXXX. 
The information is not the same as what XXXX verbally told me over the phone, which was they did not have a recorded payment received in XXXX. Per the FCRA the collector is required to report accurate information. I have now been denied a loan due to the inaccurate reporting by XXXX. 

AdditionallyXXXX XXXX has been reporting inaccurate information which I also disputed several times. XXXX did not follow CA law in order to collect a deficiency balance ; XXXX did not send me a notice about the location of the auction, did not allow me the opportunity to reinstate my loan as required before the creditor can collect a deficiency balance. XXXX only removes from XXXX credt report at a time only upon my dispute, they should report accurately to all credit reporting agencies, no just remove one at a time only when specifically disputed if they are removing from one credit report they should report accurately on all credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: AMERIFIRST FINANCIAL, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went through XXXX  Amerifirst financial mortgage with a lender XXXX XXXX. I decided to go to another lender. He called my cousin who is a real esate agent to tell him I went elsewhere and gave him the info of who I went went with. This is unethnical and my information should of not been told to anyone. This also has caused a huge rift in my family by his actions. 

I then reached out to the company XXXX financial mortgage based out of Arizona and am no longer receiving calls back from this man named XXXX at XXXX that is in the complaint department. 
I am not being heard and its against the law to give out information on a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: SC
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 Account # 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 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 2016-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because my requests have been ignored by Transunion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''

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 2016-12-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Have on the credit report that this is a joint account. I am divorce, it on file in XXXX XXXX in NC. The bank is Santander Bank N.A. XXXX XXXX XXXX, XXXX, MA,XXXX Tele- 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