BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Experian have repeatedly and continuously violate my federally protected rights under the Trafficking Victims Protection Act of 2000 ( " TVPA '' ) which was mostly recently reauthorized on or about XXXX. Additionally the CFPB released rules for credit reporting agencies to follow in regard to this law in their ( CFPBs ) Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ). 
I submitted 4 documents to XXXX, Experian, and XXXX in accordance with the TVPA and in excess of what was required under TVPA and Regulation V. Those documents were a non-governmental organization letter attesting to my status as a victim of human trafficking, a copy of my passport, a copy of a recent utility bill, and a copy of the self-attestation letter, the template for which was provided by the CFPB. These documents were uploaded to the e-Oscar system on all three ( XXXX ) of the credit agencies ' specific websites. The documents were also mailed via certified mail to XXXX, XXXX, and Experian. This was done repeatedly beginning XX/XX/XXXX to XX/XX/XXXX of XXXX. To date, XXXX, XXXX, and Experian have not removed the items within four ( 4 ) business days as required by the federal law, TVPA. 

XXXX, XXXX, and Experian continue to cause me further emotional, mental, and financial damage by refusing to comply with the federal, violate my federally protected rights, and further inflict egregious damage on me by continuing to participate in my victimization under TVPA by continuing to profit from my personal information while I am under duress and suffering as victim. 

XXXX, XXXX, and Experian have stepped and operate unscrupulously outside of their positions as self proclaimed credit reporting agencies while engaging in profiteering at the expense of my status as a victim. THIS IS MY THIRD COMPLAINT REGARDING THE SAME ISSUE.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OAG CHILD SU XXXX Balance : {$4500.00} ; ATTYGENERL XXXX Balance : {$4500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I sent a letter out on XX/XX/XXXX to TransUnion Here are my tracking numbers, XXXX XXXX According to the law 15 U.S Code 1681a- Definitions, rules of construction. 

The term 'investigative consumer report ' means a consumer report of portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer. 

I would like to know who they talked to? 

How did they complete this investigation? 



In the dispute letter I asked for A copy of the original application must be sent with the results of this dispute investigation, that also include my electronic signature. With the results of this investigation, I want a copy of the full payment history from the original creditor, and I want a copy of the original purchase agreement that shows that the creditors can legally collect this alleged debt with the original creditors name and address. 

They did not send the information or documentation that was asked for and needed to prove they did a real investigation on the accounts listed in the 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 non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX. Please remove these account immediately.

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 2023-08-28
Company: JPMORGAN CHASE & CO.
State: WI
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:
On XX/XX/23, I submitted a mortgage pre-approval request to Chase Bank to obtain information on what would be needed for to be pre-approved/approved for a mortgage through them. In the application, I selected that I did not consent to a credit pull. I spoke with a lender shortly after, who requested additional information. After the phone call, My wife and I both received notifications that a hard inquiry had been made on our credit by Chase. I then spoke to the lender again on XX/XX/23, who attempted to mislead me in to believing I had consented to the credit pull on the application. During a second phone call that day, the lender admitted I did not digitally consent, but that I had verbally consented, which I had not. 

On XX/XX/23, I attempted to contact the lending manager regarding this issue and received no return call after leaving a message. On XX/XX/23, I sent an email to the lending manager detailing the situation, their failure to return my call, and requesting contact within 24 hours. The lending manager contact me on XX/XX/23, following the email, and stated that they would begin the inquiry removal and it should take approximately 5 days to remove the inquiry and they would update me with additional information. On XX/XX/23, a member of the Chase Escalation Department contacted me to request details and informed me they would have the inquiry removed. 

On XX/XX/23, after receiving no additional information or contact, I sent a follow up email to the lending manager requesting an update on the situation, as the inquiry was still on both my wife and I 's credit report. He replied and stated that the matter was being handle by the " Executive Department '' and that he would inform them I would like an update and would update me when he had information. He then sent a follow-up email stating it was being worked on and he would provide information when it was available. I also received a second call from the escalation department, and a voice mail, stating it was being worked on. I also received a letter from the individual in the escalation department stating they would have answers by XX/XX/23 ( 30 days past the initial request for removal ). 

On XX/XX/23, I again received a call from the individual in the escalation department, on a recorded line, stating that their solution would be to " mask '' the inquiry so that it would not be visible to a company performing a credit pull, and would not affect my credit score. When I brought up that it was still visible on my report and my score still reflected the pull, I was told that " I could see it, but companies would not be able to. '' When asked when the inquiry would be REMOVED from my report, I was told they could not remove it an only mask it. 

Their actions violated the Fair Credit Reporting Act regarding non-consenting credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: SOUTHSTATE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received my 2023 Annual Escrow activity indicating the account was below the expected amount and my total payment would be increase to account for the difference. When reviewing the escrow account summary for the three years I have had my mortgage, I noticed each section from actual activity runs from XXXX to XXXX. There is a section for anticipated activity for XXXX ; however, I would expect that the following year would show the actual activity. None of the summaries provided show the actual activity for XXXX of each year. This is a problem for me because my Insurance and Property taxes tend to be paid around this time, but I an unable to verify through the escrow account summary the actual activity taken. I spoke with XXXX who advised that the summary do no show actual activity for XXXX and I would need to review my monthly mortgage statements for this information. She did follow up with me to provide all the actual activity for the entirety of my account ; however, this is not satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 request that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
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:
Experian Credit reporting agency is in clear violation of the law, they are furnishing an account on my consumer report that should not be on there. XXXX XXXX XXXX is a claim against my Registered business XXXX XXXX that has its own identity and does not belong on my consumer report.

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 2023-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding inaccurate information on my credit report, as well as violations of the Fair Credit Reporting Act ( FCRA ) by [ Creditor Name ], concerning the following accounts listed on my credit report : XXXX. Account Number : XXXX XXXX. Account Number : XXXX These accounts have been reported with incorrect data that has negatively impacted my financial standing and overall well-being. 

I have diligently reviewed my credit reports and identified these erroneous entries, which allege late payments on the aforementioned accounts. However, I must assert that these late payments have never taken place. The inaccuracies not only damage my creditworthiness but also unjustly implicate my financial responsibility. 

The violations committed by [ Creditor Name ] are as follows : **Violation 1 : Inaccurate Reporting ( FCRA 623 ) ** [ Creditor Name ] inaccurately reported that I made late payments on account number XXXX, in violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ). The emotional toll this has taken on me can not be understated. The mere thought of working diligently to meet my financial commitments, only to be unfairly labeled as someone who neglects their responsibilities, has caused severe stress and anxiety.

**Violation 2 : Inaccurate Reporting ( FCRA 623 ) ** Similarly, [ Creditor Name ] reported false late payments on account number XXXX, violating FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ). The emotional turmoil caused by these inaccuracies is immeasurable. To have my financial integrity called into question due to inaccuracies in my credit report has not only hindered my ability to access credit but has also cast a shadow over my sense of financial security.

I implore the Consumer Financial Protection Bureau to enforce the provisions of the Fair Credit Reporting Act and facilitate a resolution to this matter. The emotional toll of these inaccuracies on my mental health and overall quality of life is profound. I hope that the significance of this story underscores the urgency of correcting these violations and addressing the emotional harm inflicted. 

I kindly request that you intervene on my behalf and ensure that [ Creditor Name ] promptly removes these unverified accounts from my credit report. Additionally, I ask that a thorough investigation be conducted to rectify the damages caused by their inaccurate reporting. 

Thank you for your attention to this matter. I am grateful for your assistance in resolving these violations and helping me regain control over my financial reputation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Mam, Credit Control , LLC XXXX has been writing asking me to pay {$920.00} on or before XX/XX/XXXXXXXX XXXX XXXX  indicating my account will be considered resolved as a settlement. This type of letter was similar to what XXXX XXXX XXXX XXXX asked for in XX/XX/XXXX to pay {$3500.00} to settle my account. some disputes were made why my credit card was canceled. I tried to update my card to a current status. All attempts were made by me were denied. It was reported to wrongly to credit bureau said, I was the XXXX who requested cancellation. I decided to settle as to closed the account. It was agreed on both sides. XXXX XXXX  cancelled my credit card because my XXXX card expired and I did not know. After receiving my money order of {$3500.00} as requested and agreed on the contract letter enclosed, XXXX XXXX failed to give a good crediting rating and kept the my money. The {$3500.00} was not monthly bill. It was agreement. If they failed they should return my money. Credit Control claimed authorized to off settlement for a second time. It is not right and not fair to trust them second time requesting {$920.00}. I have sulfured lot of pains and headaches. It has been on several dispute since XXXX 

Enclosed/Attached are copies of settlement letter and money payment records, supporting my position.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 1

5 USC 1681. The letters are stated with items and issues. 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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth time requesting that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was sent a email from XXXX about an invoice in the invoice had if you did not authorize this to call this number. So I called the number and was asked to authorize a XXXX payment to prove that I was the person sent the invoice and that the XXXX payment would be cancelled so I did the XXXX authorized payments and they never cancelled or returned my money like they said it was all a scam my bank pnc would not work with me to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: OH
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX BalanceOwed : {$15000.00}.

Company response to consumer: Closed with non-monetary relief