BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: LA
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 you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
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 2023-01-27
Company: EQUIFAX, INC.
State: LA
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 you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
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 2022-07-02
Company: Self Financial 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:
Self-lender INC still refuses to remove the late payment despite sending official correspondence that they would request the deletion of the late payment due to my excruciating circumstances. I have contacted them numerous times and have not been met with a reply. Please see the official correspondence showing their response to the matter from a previously resolved CFPB complaint regarding the deletion of the late payment of all three of my credit reports.

I have also attempted to dispute this by sending it to the credit bureaus, to which they have come back saying Self Lender does not want to remove the late payment. This late payment has caused me extreme stress as I am still locked out from obtaining the ideal mortgage rate for my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX Inquired on XX/XX/ LEASE END Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00}

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 2023-01-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit reporting agency is reporting false information on two accounts. 

1 ) XXXX - 2 late payments in XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 late payment XX/XX/XXXX They are in violation of 15 U.S. Code 1681a ( 2 ) Exclusions.

Reporting inaccurate information on child support this case has been closed and I was never late. 

XXXX ) XXXXXXXX XXXX I have had adverse actions against me do to false information I am also still suffering from the data breach of each company listed in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent a detailed written dispute regarding several accounts that were repeatedly reporting inaccurate and/or misleading information and requested a detailed written response as I am entitled to receive. A copy of my letter is attached. 

As the only of the 3 credit bureaus I submitted these disputes to, Trans Union was the only one that sent a written response, but contained none of the information I requested or any documentation or proof to support their decision. A copy of their letter is attached and a copy of my most recent credit report. It should be noted that TransUnion will not provide a credit score unless you pay for it.

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 2023-01-27
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:
This is the second time that 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 items ( A ). It is not permissible to fail to validate these reporting items 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: CO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 non-monetary relief
Consumer complaint received 2021-02-25
Company: Keeping Capital LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Keeping Capital, LLC XXXX XXXX XXXX. XXXX FL XXXX I agreed to work with this company about two years ago and initially paid over {$1200.00} and a monthly recurring payment of {$29.00}. Initially I thought I was getting positive results but soon found out conflicting information. The student loan was still with the previous provider and now also with a debt collection agency that Keeping Capital seems to be in contact with.According to Keeping Capital and the debt collection agency, my loan is in default, however, it's not in default with the other student loan service provider that I am working with. 

The last automatic payment that Keeping XXXX pulled was in XXXX. Since then, my debit information has changed and I have decided to cancel with Keeping Capital. LLC. I called and spoke ( XXXX ) with XXXX from Keeping Capital and expressed that I wish to cancel. She stated that it doesn't work that way and that I needed to make the XXXX payment if I wanted to cancel. She stated that I received the benefits for the month in the form of movie theater tickets and discounts. I have not received any movie tickets OR any other discount that the Keeping Capital representative stated this month or prior. 

I am requesting resolve in my effort to cancel with this agency. I called to attempt to cancel with Keeping Capital, LLC on XX/XX/2020 and I believe that should have been honored. I paid more than enough and I simply want to cancel. I do not believe that I should have to make a payment to cancel. Please help. Keeping Capital, LLC

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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

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 2022-07-02
Company: CBC Companies, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I've tried to opt out of pre-screened credit offers from XXXX but the website seems to be built to have you opt-in without realizing it. The form they use is ambiguous until after you hit submit, and then when you try to find the opt-out option they keep routing you to a page that says you have to use a specific form to opt out by mail. There is no opt-out form on the website, and they tell you that you can't opt-out by mail. The site spins you in circles until you become frustrated and give up. You get sent to XXXX from the Innovis website. I believe they make it impossible for you to opt out of these credit card offers to make money from the card companies by funneling consumers to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have 3 loans with Loan Depot, I always use XXXX  and XXXX XXXX XXXXXXXX online bill pay to pay all 3 mortgages same day, Loan Depot charges late fee if no payment received by XXXX. 

XXXX XXXX XXXX, I use XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, never had any problem. 

XXXX XXXX, I used XXXX XXXX XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, XXXX mailed checks to loan deport typically very quickly. I had 2 late fees from Loan Depot, after I talked to Loan Depot, they waived those fees due to their delayed processing of check from XXXX XXXX XXXXXXXX online bill pay. 

XXXX XXXX XXXX, I used XXXX XXXX XXXXXXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, Loan Depot charged me 5 late fees ( {$290.00} XXXX ) so far, I called them, Loan Depot agreed to waive 2 late fees due to their delayed processing of check from XXXX XXXX XXXXXXXX online bill pay. They still keep 3 late fees, they said XXXX mailed those 3 checks late, I called XXXX XXXXXX/XX/XXXX with case number XXXX and mailed them all the docs per their request. ( they do not allow email ) I followed up XX/XX/XXXX, XXXX pm, after listening to music 32 minutes, the customer service rep XXXX XXXX employee ID XXXX ) said they can NOT do anything about it, your help will be greatly appreciated. 

With details below I requested XXXX online bill pay XX/XX/XXXX, XXXX mailed check XX/XX/XXXX, XXXX online banking showed payment clear XX/XX/XXXX, met Loan depot payment deadline, they shall not charge me late fee, they shall waive it. 
I requested XXXX online bill pay XX/XX/XXXX, XXXX mailed check XX/XX/XXXX, Loan depot processed payment XX/XX/XXXX. XXXX shall reimburse me late fee I requested XXXX online bill pay XX/XX/XXXXXXXX XXXX  mailed check XX/XX/XXXX, Loan depot processed payment XX/XX/XXXX. XXXX shall reimburse me late fee XX/XX/XXXX, Loan Depot offered me the option to pay from Loan Depot online account which will complete payment within 1 biz day. From now on, I will stop using XXXX online bill pay, and only pay from Loan Depot online account, to avoid future headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
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: 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-09-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: In progress
Consumer complaint received 2023-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, XXXX, XXXX XXXX, XXXX. and the members at XXXX XXXX XXXX are violating XXXX XXXX XXXX. The term " debt collector '' does not include any attorney-at-law collecting a debt as an attorney on behalf of and in the name of a client. 

Furthermore, XXXX XXXX XXXX has been notified the allegation of debt they are inequitably trying to collect has been XXXX. Bank of America has provided this evidence on their own letterhead. 

The law is being violated on multiple fronts. 

Furthermore, my initiating security has not yet been returned to me. Therefore, securities laws are being broken as well. These violations will be taken up elsewhere.

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 2023-01-28
Company: EQUIFAX, INC.
State: WI
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 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  # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: NRA Group, LLC
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:
In accordance with the Fair Credit Reporting act National Recovery Agency # 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