BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 2022-06-23
Company: Comerica
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Statement of a checking account opened in my name with : Comerica Bank, This is fraudulent, I did not open an account, don't know anything about this bank. 

Also received a letter from XXXX XXXX XXXX XXXX XXXX XXXX of a closure of a deposit account which I never opened and never had any dealings with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First thing, Im a XXXX year old XXXX  that doesnt have a credit card or any debts, so I have know clue why they call me, they are very rude and basically tell you to XXXX off if you tell them to stop contacting you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, my XXXX credit report showed a derogatory mark, that a report had been filed with a collection agency. The collection agency : Bull City Financial Solutions, supposedly opened a collections matter for approx {$270.00} on XX/XX/XXXX. XX/XX/XXXX is the first time I learned that such a matter had been opened. I contacted the collections agency, and learned that an account with XXXX XXXX that closed in XX/XX/XXXX was referred to collections. This is the first I learned that such an account existed. The collections agency could only give me the creditor name and account number ; however, could not give me a name or address associated with the account. When I attempted to search for the account online in the XXXX XXXX account portal, there was no account listed. I contacted XXXX XXXX 's customer service team, and they were unable to find any record of an account with the account # provided by the collections agency in their system. I spent several hours on the phone with XXXX XXXX customer service representatives, and none were able to locate any documentation associated with the account ending in # XXXX. Despite it being more than 30 days since the collections matter was opened, I have not received a validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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 status incorrect

Complaint:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting. 
Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1691 section 602 A. States I have the right to privacy. 

15 U.S.C 1691 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. 

XXXX XXXX XXXX XXXX XXXXial XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX FL XXXX THIS NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX GA XXXX NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME I NEVER WORKED FOR XXXX OR 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 2022-06-23
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I send a Notice of Dispute letter out certified mail # XXXX asking LVNV FUNDING LLC to provide information to support their claim that a debt was owed and proof that they have a valid contract with XXXX XXXX. I have yet to receive any evidence that I owe LVNV FUNDING LLC a debt and for the record I have never contracted with LVNV in association with any services including any debt. They continue to report misleading and false information to the credit bureaus which has affected my credit score tremendously. My next recourse will be to file suite against them for identity theft because I never consented to them using any personal information that could cause harm to me. This is pursuant to 15 U.S. Code 1692g ( b ) and section 809 ( b ) of FDCPA.This includes XXXX XXXX XXXX as well, whom I believe handles some financial aspects of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently obtained a credit report due to my application being denied for a new apartment, upon going over my report I noticed a few derogatory marks, including unauthorized inquires. I have not authorized the items that have been reported. I have done my best to try to fix this with credit repair services, the credit collection companies themselves and still nothing has given. This has become an absolute financial burden as I am a single mom and I have invested all the time and money I could to get this hindering problem away.

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXXL Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/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 non-monetary relief
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently obtained a credit report due to my application being denied for a new apartment, upon going over my report I noticed a few derogatory marks, including unauthorized inquires. I have not authorized the items that have been reported. I have done my best to try to fix this with credit repair services, the credit collection companies themselves and still nothing has given. This has become an absolute financial burden as I am a single mom and I have invested all the time and money I could to get this hindering problem away.

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 2021-01-16
Company: EQUIFAX, INC.
State: OH
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:
I was in a mortgage forebearance with XXXX XXXX XXXX XXXX and the forebearance ended XX/XX/XXXX. I started a loan refinance XX/XX/2020 which took the bank 3 months to close and they charged me an extenstion fee as well as now noting on my credit file that I was 5 months past due. My refinance was approved and closed in XXXX with a new loan with the same bank. Now my credit report shows 5 months and over 120 days past due. How can they do that. I have disputed and contacted the bank on their mistake. I was never late on my Mortgage before the cares act forbearance due to the loss of my job due to the XXXX XXXX I worked for didn't want to due all the covid updates and retired. The XXXX XXXX XXXX XXXX suggested to me to do a forbearance per XXXX in collections and told me NOT to make any payments during the forbearance. I paid full month payments on time for XX/XX/2020 and XXXX until the loan closed. I am so frustrated with the mistakes and no positive action from XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF CHILD XXXX XXXX XXXX XXXX DEPARTMENT OF CHILD XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX Account # XXXX, XXXX XXXX and XXXX XXXX XXXX have 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 an 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 2023-08-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This account is fraud listed below. I demand it is removed from the credit report immediately. XXXX XXXX XXXX XXXX account # XXXX. The FTC report is attached to this complaint.

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 2023-01-13
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:
XXXXXXXX XXXX XXXX having an erroneous claim against me that's in my credit report. I'm a XXXX senior citizen I've tried to have them remove this it's on Experian and the other XXXX credit reporting agencies. This is not my account, I've told them that XXXX times and they keep saying I have an account with XXXXXXXX XXXX XXXX  whom I've never heard of in my life. My next step is to call my Texas State representative to get it dealt with because Experian is sure not helping with the situation.

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 2022-09-19
Company: EQUIFAX, INC.
State: KY
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:
Already reported inaccurate information in XX/XX/2022 to each credit bureau. Account type is incorrect and late payments are incorrect. 

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

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX ) XXXX Balance : {$7100.00}.

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 2022-06-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX violated my righs.

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.

please remove

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 2022-06-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity thief I contacted the proper authorities I was instructed to file a identity thief report with the federal trade commission, a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report I discovered that there was several fraudulent accounts on my credit report, I have contacted the creditors and furnished the creditors with the above stated documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion is reporting an unknown and erroneous medial debt account, listed XXXX XXXX XXXX, {$530.00}.

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 2022-06-23
Company: EQUIFAX, INC.
State: AL
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:
In XXXX of 2022, i filed a dispute Equifax about the Unverified account XXXX XXXX account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received yet another letter dated XX/XX/2022 from Freedom Mortgage asking that I accept their offer of CV-19 Recovery standalone partial claim by XX/XX/2022 ( note that the response date is a Sunday and not a working business day ). In the past year I have accepted this offer on various occasions via phone and via email, despite my dispute of this account, and Freedom Mortgage has not sent me the proper paperwork to commence repayment. This is what I stated in my CFPB complaints no. XXXX from XX/XX/2022 and no. XXXX from XX/XX/2022.

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 2022-11-28
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:
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. 

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 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