BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-03
Company: Experian Information Solutions Inc.
State: NJ
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:
RE : Experian Report # XXXX ; XXXX File # XXXX On XX/XX/XXXX, I sent XXXX a letter requesting am investigation under FCRA Section 623 regarding tradelines I previously disputed with Experian and XXXX. These inaccurate tradelines were incorrectly verified by the credit reporting agencies. 

My letter ( attached ) included report numbers from the above-mentioned bureaus ; my name and address ; the account numbers as listed on the credit reports ; and the relevant pages from my Experian credit report ( attached ). 

This letter was sent via Certified Mail, Return Receipt. XXXX received the letter on XX/XX/XXXX ( # XXXX, attached ). 

On XX/XX/XXXX, I received a response from XXXX ( attached ) dated XX/XX/XXXX indicating that my dispute was frivolous and requesting the " specific accounts '' and " an explanation of the basis of the dispute. '' I object for two reasons : ( 1 ) All requested information was provided in my letter of XX/XX/XXXX ; ( 2 )  According to the FTC, the Fair Credit Reporting Act allows XXXX to determine that a dispute is frivolous or irrelevant under certain circumstances but requires them to notify the person who made the dispute of that determination within 5 business days of receiving the dispute. This means that a letter determining my dispute to be frivolous should have been mailed by Friday, XX/XX/XXXX. XXXX 's letter to me is dated XX/XX/XXXX, was postmarked on XX/XX/XXXX ( envelope image attached as Exh. " B '' ) and received on XX/XX/XXXX. Therefore, XXXX has violated my rights under the FCRA.

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 2022-06-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Hello, I am actively investigating unauthorized access of my credit report and I have observed unorganized inquiries and or attempts of credit with my information. I have already contacted the individual credit companies and initiated disputes to have each of these inquiries removed from my report. 

Attached are the inquires mentioned as well as active dispute cases PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT : XXXX  XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: NC
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 have XXXX ( XXXX ) tax liens listed on my credit file ( XXXX ) with XXXX and Equifax that DO NOT MEET the Enhanced Phase XXXX ( PII ) Personally Identifiable Information standards for XXXX XXXX XXXX. These PII standards as outlined by XXXX and available publicly on the CRA 's websites, specifically XXXX XXXX own site states that XXXX XXXX MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both XXXX XXXX Equifax and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as " XXXX ''??? The " Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( XXXX ) with XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I would like to re-new my complaint against Portfolio Recovery Associates because they continue to contact me after I have asked them to stop because they were not able to validate any debt they had against me. all they have done is pester me all night with voicemails and phone calls, sometimes even very late at night. They claim I owe them {$450.00} and must be paid immediately, they are threatening me with more and more interest everyday and I have told them to removed this account from my credit reports because I do not owe anything two them. After my card was closed I entered into a payment plan and whatever they are doing is illegal because at this point i am paying double for the same debt and this makes no sense. I get calls from family embers who I do not live with and they claim that these companies are calling them and asking for me regarding a collection and its so embarrassing! I have not had a card with XXXX XXXX for over 10 years, where is this coming form now?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX XXXX. XXXX XXXX XXXX  is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX  any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

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 2017-09-12
Company: EQUIFAX, INC.
State: AL
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:
This is in regards to the Equifax security breach. I have been given today 's date as an enrollment date for their monitoring service, but after thinking it over : that is n't good enough. I no longer trust them with my information. It was improperly protected by a company that should know better. 

With news out that executives sold stock before announcing this information publicly, it appears they did know better ; they knew how to benefit off treating the information they hold with cavalier indifference. As long as those stocks pay off. 

Now, those affected have to pay. Pay for monitoring. Pay for freezes. Pay for alerts. Police reports. Pay for unfreezing should you need credit. Not to mention the time it takes. XXXX, relatives/parents that need help? More time. More money. And what of the XXXX, Equifax? Thank you for making the grieving people of this country have to round up the info of their loved ones XXXX more time, to walk those lonely steps to secure accounts that should never have been exposed. 

And no one knows what will happen with this information. What is happening, already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Reporting agencies stated that these accounts were properly investigated and verified but this is impossible since all of the agencies are reporting different information. The account numbers, high balance, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore reporting inaccurately. This Constitutes grounds for removal of these accounts. 

According to 15 USC {$1600.00} ( 2 ) Exclusions ( a ) ( i ) a " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are these agencies reporting categories such as late payments, high utilization, chargeoffs, and others when then law specifically states that such private transactions and or experiences between a consumer and CRA 's are to be excluded from a consumer 's report? Each forbidden category reported is a violation of my rights. 

Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy and that right has been violated. 

My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to the credit reporting agencies to furnish these inaccurate accounts and therefore they must be deleted.

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 2022-06-14
Company: EQUIFAX, INC.
State: NJ
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 is reporting unauthorized hard inquires on my credit report that I do not recognize. 
XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In light of the hack of XXXX, I want to freeze my credit report accounts at the three main credit agencies. I was able to successfully freeze my credit reporting accounts online with two of the agencies ( XXXX and XXXX ).  However, when I entered the same information at the Experian website, I was informed that the freeze could not be put in place based on the information submitted. The companies should have consistent systems that allow for a freeze to be placed on an account online without having to go through the extensive process of sending information by mail. 

As an aside, the placing of a freeze on anyone 's accounts and the release of the freeze should be free as the data stored by the agencies is personal to the individual and should be controlled by the individual whose information is being distributed.

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 2017-09-12
Company: EQUIFAX, INC.
State: PA
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:
Equifax Inc improperly stored information possibly relevant to my credit history. As a result of a vulnerability in their systems, my information may have been improperly accessed and/or stolen. Furthermore, this breach was known since XXXX XXXX, but was not made public until XXXX. 

Any attempts to discern if my information was indeed obtained/accessed/ were not made clear, as the site they offered ( www.equifaxsecurity2017.com ) provided vague answers as to if I was affected. This site then requested that I check back at a later date to pay for a service to help address this problem. 

On XXXX XXXX, Equifax, as stated via XXXX ( XXXX XXXX XXXX ),  began offering free credit freezes, but only for the next 30 days. 
However, I 'll more than likely need to pay out-of-pocket with XXXX and XXXX to freeze my credit report in the event my information is used to open accounts with creditors that do not query my credit with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On my loan Closing Disclosure on my house that I closed on XXXX/XXXX/XXXX. The tax credits provided by the XXXX were based off of XXXX 's tax numbers. However, my lender used XXXX 's tax numbers to seed my escrow and as the base for my house payment. It is now XXXX, and I have an escrow shortage of over {$6000.00}, and my house payment is going up by $ XXXX. The title company has explained that this is the practice of XXXX, but I am at a loss at to how it is ethical, or at the very least not disclosed to the buyer. My payment at closing was $ XXXX. Now I am being asked to pay back the shortage, and keep the account caught up to the tune of $ XXXX. 

Line XXXX of the closing document ( attached below ) in section XXXX or L clearly states the taxes for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX were XXXX for tract XXXX, and then {$240.00} for tract XXXX Add those numbers and you get : XXXX Divide that by XXXX, as that accounts roughly for the first 7 months, and you get : XXXX. Our escrow was seeded based on a much lower number $ XXXX month. That is the issue. Along with our payment not being based off the higher tax amount. By my calculation, my escrow should have been seeded with {$1200.00} XXXX XXXX XXXX {$13000.00}, and not the {$11000.00} that is itemized on line XXXX in section G of the closing document. Thats a shortage of {$2700.00} roughly and then if you add the extra {$250.00} a month the our payment should have had added to it over the past 13 months, you get {$3200.00} Adding those together is just over {$6000.00} which is right where we find ourselves short.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I pulled my credit reports in 2020 and noticed there were a few accounts listed that I did not open and or authorize. I completed an identity theft affidavit along with a police report as instructed, all of the fraudulent accounts besides a credit card from XXXX XXXX XXXX were removed. I contacted XXXX XXXX XXXX over 6 times, sent a mailed copy of the ID theft affidavit, police report, and disputed this account with the XXXX major credit bureaus numerous times, not to mention called and supplied information with the reply that I would get an update, return call or correspondence, which was a lie. This company has delayed responses and resolution to removing this account that I have stated was fraudulent opened using my personal information. The address linked to this account is also fraudulent as I have never lived at the address. I have also submitted these documents and request to all three creidt major credit bureaus. XXXX was the only bureau to comply. XXXX verified the fraud account, which doesnt make any sense and Transunion did not respond. I have been dealing with this issue for over a year.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is publishing non-compliant account ( s ) on my credit profile and distributing them to 3rd parties. They are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. These companies reporting are not compliant with XXXX. Please see the attached notice of complaints sent to Experian.

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 2021-04-19
Company: Kriya Capital, LLC
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In correspondence datedXX/XX/XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my XXXX and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents lastXX/XX/XXXXand still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA 605B. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: RoundPoint Mortgage Servicing LLC
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:
I believe the 30 day late payment marker on my credit report by XXXX should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.

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