BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
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: Information belongs to someone else

Complaint:
I am writing to delete the following information from my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I had a XXXX XXXX XXXX XXXX with XXXX XXXX. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to XXXX XXXX. Unfortunately, XXXX XXXX reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a XXXX XXXX customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
YET AGAIN IM RECEIVING EMAIL CORRESPONDENCE AFTER NUMEROUS TIMES TO BE CONTACTED THRU THIS AGENCY REGARDING THIS MATTER. BECAUSE I NO LONGER TRUST THE INDIVIDUALS INVOLVED IN THIS INCIDENT WHICH ALL STARTED FROM A SIMPLE MISTAKE AND LACK OF AGENT INFORMING ME TO MAKE SURE I SCROLL DOWN FOR XXXX  CREDIT PORTION OF THE APP.

( MAYBE YOU SHOULD TAKE THIS HORIFIC INCIDENT AND UPDATE YOUR TRAINING PROCEDURES INSTEAD OF TRYING TO CLOSE YOUR CUSTOMERS ACCOUNTS. ) BUT I UNDERSTAND ITS LOT CHEAPER TO CLOSE YOUR CUSTOMERS ACCOUNTS FROM A HONEST MISTAKE.

SO IM ATTACHING CORRESPONDENCE AGAIN.

IM ATTACHING THE IRS CONSENT FORM 4506-C THAT I RECEIVED YET AGAIN WITH THE DEMANDS TO FILL OUT AGAIN ... BECAUSE DISCOVER IS TAKING THE STANCE I NEVER FILLED OUT ... THEY DIDNT RECEIVE ... IT WAS INCOMPLETE.. 

ALSO ATTACHED CONFIRMATION OF EMAIL STATING ITS BEEN SUBMITTED AGAIN ... WHICH I HAVE ALSO UPLOADED PREVIOUSLY IN OTHER COMPLAINT. 

ALSO ATTACHED COMPLETED FORM SO ALL PARTIES CAN SEE ITS BEEN COMPLETED... AND ALL HILIGHTED AREAS FILLED OUT. 

AGAIN I HAVE BEEN ON XXXX SINCE XX/XX/2010 AND I HAVE NOT FILED TAXES SINCE THEN ... .BECAUSE XXXX NOT REQUIRED TO. BUT YET AGAIN DISCOVER IS DENANDING THE LAST TWO YEARS OF MY TAXES.

AND AFTER STATING MY EIN NUMBER IS BRAND NEW... ALONG WITH IRS LETTER FOR EIN SHOWING DATE OF THE ORIGINAL EIN ... AND THE NEWLY FORMED FROM XXXX XXXX TO XXXX..AND UPLOADED THAT PREVIOUSLY... AND YET AGAIN DISCOVER IS DEMANDING THE LAST TWO YEARS OF TAXES AND THREATENING TO CLOSE ACCOUNT ... THEN AFTER COMPLETING... SAYING I NEVER DID... WAS INCOMPLETE... ETC AND AS WELL AS THE SECRETARY OF STATE ARTICLES OF ORGINIZATION.. 

AND MY ACCOUNT HAS BEEN FROZEN NOW FOR ABOUT A MONTH NOW... 

AND I HAVE UPLOADED MORE THAN ENOUGH PROOF OF MY IDENTITY... 

STILL RECEIVING THREATS OF CLOSING MY ACCOUNT UNDER THE GUISE IM NOT CO-OPERATING IN PROVIDING DOCUMENTS .... 

WOW ... AMAZING... 

AND I HAVE XXXX AND XXXX .... 
REALLY BAD ISSUES WITH MEMORY... 
XXXX XXXX I THINK THE APARTMENT WAS XXXX XXXX NH BUT I DO NOT RECALL FOR SURE...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 explanation
Consumer complaint received 2023-06-28
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: Reporting company used your report improperly

Complaint:
I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative collection on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these collection accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the Better Business Bureau . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2018-10-17
Company: Experian Information Solutions Inc.
State: IL
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 requested that these fraudulent accounts that was open in my name to be removed along with the addresses that I never lived at. I never once applied for these accounts online nor have I sent in any applications. Two accounts from XXXX XXXX, One account from XXXX XXXX XXXX. These two address XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL 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 2023-06-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and corrected for 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 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 explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: CT
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 sent certified letters to the bureaus asking them to remove inquiries that DO NOT BELONG to me. I need them to verify the inquiries and they have not. Here are the inquiries on my report : XXXX/XXXX  XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX /XXXX  XXXX XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20,

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 2019-10-02
Company: Buckles & Buckles, P.L.C.
State: MI
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:
In XX/XX/2018 I sent a certified letter to XXXX XXXX, stating my job loss, XXXX XXXX diagnosis in XX/XX/2018 and XXXX XXXX diagnosis in XX/XX/2018. My only source of income is social security. My car is worth less than {$100.00}, I owe over {$5000.00} in back taxes and am over six months behind in my mortgage. I also sent several other letters, stating that I am uncollectible for this debt and it needs to written off. Instead, XXXX Card IS THE ONLY CREDIT CARD COMPANY WHO SUED ME! I'VE BEEN HARASSED BY BUCKLES AND BUCKLES PLC, DEMANDING PAYMENT AND THREATENING WAGE GARNISHMENT, MY CAR, AND ANYTHING ELSE I OWN! 

My doctor is disgusted by this harassment of a XXXX year old female with such serious health issues. I have lost weight, can't sleep, and my XXXX flare ups are XXXX. 

I am willing to take {$5000.00} for my pain and suffering caused by Discover Card and the attorney firm. Should they refuse I will do whatever it takes, including letting the media know of this harassment of the elderly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. 

XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. 

I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.

There are 7 inquiries on XXXX  and 5 on XXXX that I need removed immediately. The companies involved are XXXX XXXX, Capital One, XXXX XXXX, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: Netspend Corporation
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX, ( Netspend ) a subsidiary of XXXX withholding around XXXX USD. I called to close the account and the next day they created a fraud block and told me I needed to send in documents like SS card, ID, and proof of address. None of my proof of address documents would be accepted and they wanted documents from my old address on file. They would not accept documents for my new address which I had changed to prior to closing the account with the representative. I do not receive mail at that address anymore obviously and can not receive mail there. They do not care. They told me it's the only way to access my money. 

This company is negligent and outright unconcerned with customers wanting to access their money. They fail to do simple tasks such as fulfill a change of address prior to account closure, they fail to provide reasonable customer support in response to their failures, they start a fraud block on an account due to a closure request, so I can't even access my money now.

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 2019-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have contacted Bank of America regarding fraudulent accounts opened in my name. I have never opened a credit card with them. XXXX was able to remove one of the credit cards from Bank of America from my credit report. When contacting Bank of America they tell me they are backlogged for 60 days. When contacting XXXX they tell me that they get their information from the creditor. Conflicting/confusing information. 100 % fraud.

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 2023-10-02
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have a mortgage through BSI Financial on my condo in XXXX XXXX, Alabama. The mortgage payment has been {$2900.00} each month and is automatically drafted from checking account. 

On XX/XX/XXXX, BSI Financial drafted {$5100.00} ( {$2100.00} more than what my normal payment ) from my checking account. When I called to find out why they drafted so much, they informed my that they applied a forced place flood policy to my escrow- despite the fact that we already provided the policy to BSI Financial. During my call, I emailed the policy to the customer service agent and she indicated that a new escrow analysis will be completed and my payment would be updated within 5 days. 

After my call with BSI, I called my bank XXXX Bank XXXX XXXX ) and had them reverse the payment to BSI since it was incorrect. XXXX did in fact reverse the payment for me on XX/XX/XXXX. 

Since then, I have called BSI multiple times per week ( sometimes multiple times per day ) to have my XXXX payment amount updated so I can make a payment. I can never get a consistent answer from anyone at the company. I've been told to simply wait longer ( despite the fact that I'm incurring late fees ), I've been told they still don't have my flood insurance policy, I've been told the escrow analysis was complete, then told the analysis was never done, etc. 

I've spoken to a supervisor- XXXX XXXX- who gave me his direct email address. I've emailed him multiple times ( as has my wife ) trying to get a resolution to this. He hasn't responded to any of our emails. 

I simply want to make my accurate mortgage payments without late fees. We're now in XXXX and my XXXX payment will soon be due on top of my XXXX payment, and I have no confidence that it will be accurate either. I need help getting BSI Financial to provide an updated escrow analysis and updated mortgage information so I can make my payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like my personal information to be updated on my credit report. I am now married and I would like for my old information removed and new information updated. 
Name : XXXX XXXX XXXX Number ( XXXX ) XXXX Address : XXXXXXXX XXXX  XXXX XXXX XXXX Arkansas 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 2023-06-28
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:
I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Experian hasn't updated my credit profile to reflect current credit card usage, payment history, loan information, and updated credit score. This is resulting in denial of balance increasing and gaining more credit due to companies using Experian to research credit history.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: VA
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 have called Experian numerous times, to try to figure out the address of where to submit a Police Report, or to figure out the process to do so. Their automated system refuses to let me make a dispute or to talk to someone. 

Experian is supposed to be a reporting agency, not a business to collect money in order to process a transaction. I've had a security freeze on my Experian account for almost two years, and somehow they still let companies place fraudulent/ identity theft related accounts onto my report. Then they refuse to pick up the phone in person most days, and their automated system gives me the go-around. Their automated system also gives me less and less options to choose from each time I call. I'm to the point of frustration. 

If I can not even obtain an address of where to send in my police reports, so that fraudulent information can be removed from my account, then what purpose does Experian have to exist, if they also can not protect the consumer against fraud? They are actively engaging in unlawful practices.

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