BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 asked the credit bureau to send me validation of original sign documents, and to do a complete investigation and ensure accuracy of the records they reporting. the credit bureau refuse to show proof of original sign documents and continue reporting fraudulent account on my credit report. They have failed to respond to my dispute letter dated XX/XX/2023 within 30 days after receiving the letter. According to the federal law, the credit bureau required to respond within 30 days after receiving the dispute letter, otherwise delete the information immediately. The credit bureau also in violation for reinserted deleted fraudulent account back on report with out notify me with XXXX, days. Violation FCRA code

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 2020-01-22
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:
XXXXXXXX is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX THIS OS NOT MY ACCOUNT

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 2020-02-05
Company: Experian Information Solutions 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:
Cfpb I would like to file a complaint on Experian I sent in certified mail to them I received a letter back from he company asking me for a government issued Id first of all I wrote at the top of the page in bold stating that I attracted a copy of my dL and a copy of utility bill. I know they got it Experian are not conducting investigation I would like for Experian to submit a copy of the later that I sent to their California location. I have had so many issues with the company they dont do investigation the XXXX are to XXXX to change the status update all they do is enter the information in the comments field of the credit report that is stone cold proof that they are not conducting any investigation violating the federal law but time will tell Experian you going down here very soon when you get served betcha Please send me a copy of the dispute from two weeks ago if you cant send it these accounts are consider unverified and they must e remove I will be waiting on the copy via the cfpb website

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 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They closed my CD Brokage account by force. Also closed my personal banking account and accused me of fraud and it caused me emotional distress. Bank willfully engaged in negligence, financially abused me as an XXXX  person.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, 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:
Requesting information of the paid/closed accounts be removed.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im contacting you guys regarding regarding my credit reports and scores. I have not had any access to my credit reports or scores with Experian and XXXX since XX/XX/2023. I have contact both companies and have done all the protocols they have ask of me and nothing has been updated with my scores. Experian I have talk to them numerous times just call them again today actually they told me my credit score is XXXX but Im not able to see the score so I ask them to mailed or emailed it to me. They wasnt able to do that due to something being wrong with the membership I need this to be fix immediately its very frustrating to not be able to see my credit report and scores So this is why Im file a compliant and hopefully you guys can fix this issue 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 2021-10-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting unverified debts on my credit. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.

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 2023-10-05
Company: EQUIFAX, INC.
State: MI
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 did not have XXXX XXXXXXXX XXXX on my personal account at all. This account does not belong to me. Account number XXXX. Im asking to be removed and deleted off my credit report it is not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: TX
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 have asked Experian to update my personal information and they refuse to do so. I do not receive mail at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove 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 non-monetary relief
Consumer complaint received 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called capitol one on XX/XX/XXXX to inquire about possibly getting late fees reversed on my personal credit card account. I had explained that I had lost my job and was behind on some bills. I spoke with XXXX employee Id number XXXX. XXXX checked and found that he was unable to remove any of the fees. I asked him if I made a payment that day for the past due amount if I could have the 30 day late payment removed from my credit report. XXXX agreed and when i requested in writing that he could do this he told me that he had to wait until my payment posted. He explained that I would need to call back in a day or two after the payment posted to have the late payment removed from my credit report. I paid the past due amount of {$120.00} on my journey card ending in XXXX. Later that day I called again and spoke with a different agent who informed me that they were not allowed to remove anything from credit reports and that he was very sorry that I was told this. This is unacceptable and I am not sure what to do about this but I do know the conversations are recorded. Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX  XXXX  # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN 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 XXXX XXXX XXXX XXXX XXXX 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 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 vears.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX  is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all XXXX credit agencies and XXXX XXXX XXXX  still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP

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 2023-07-02
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX of XXXX XXXX XXXX Child Support is reporting inaccurate and incomplete information on my XXXX, XXXX, and Equifax XXXX reports. The information regarding the payment history is incomplete as well as beyond the statute of limitations to even be reported since the date of first delinquency has past beyond 7 years. The account has not been current since before XX/XX/2016, meaning that as of today the entire account should have been permanently deleted from each consumer report. The FCRA demands that after 7 years from the date of first delinquency, the account must fall off my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My compaint is on Experian I did not know that this entitiy was in kahoots with XXXX. I just ran for XXXX in XXXX XXXX XXXX. I had XXXX they let them shut down my whole communication. For the whole race. I am a XXXX time business owner and it was a business account. I believe this credit bureau should be charged and locked up. They have all our information on their hands and we can't trust them. I have been trying EVRYTHING to fix my credit report with this entitity for over seven years. The had a data breach involving XXXX, and all our personal, and business account where compromised. Yet I have been trying to be compensated for all my I.D theft. They report old, false, someone else 's bills they accumulated from stealing my I.D I have FTC reports, CFPB reprots, I have certified, emailed, spoke with 1,000,000 people in this seven year span of destroying my life. I can't get a job, an apartment, credit cards high interest. My life is unlivable. being uneployed and broke. Everytime I erase something off that I did not do They act like the going to raise ith then they drop it. How they should be putting all americans credit at 800 after the allowed hackers to steal OUR lives. I need for this entitiy to put my credit score to XXXX  immediatly, if not Next course of action is Civil lawsuit. I need to here from this entity immediatly. They have no score when you look my credit score up. I had to do all the work to dispure all this ID theft nad inaccurate reporting. I'm mentally and physically drained out trying to fight All three credit burueas for their mistakes. This is illegal

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 2023-06-16
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow-up complaint because my original complaint was not addressed. The response from SLS addressed all of the actions that were taken from XXXX XXXX XXXX forward. However, my complaint is for the start of the forbearance process which was XXXX XXXX XXXX The response doesn't mention anything about the options that were presented to me at the start of the program. 

My home mortgage lender, Specialized Loan Servicing ( SLS ), offered me a XXXX relief program. The program began in XXXX of XXXX. It was a XXXX forbearance program. One of the options offered was, at the end of the forbearance, to add the amount that was in arrears on to the payment, which I agreed to. However, at the end of the forbearance, they instead required that the entire amount that was in arrears to be paid all at once. They told me at the time that it was the only option available, which was not part of the original terms, otherwise I would have never entered into the program. The terms are in writing, and they were also explained through the SLS rep over the phone.

When my attorney 's office spoke to SLS recently, SLS told them that the reason I was not able to resume monthly payments is because I never opened the portal to start those payments. The rep I spoke with never advised me of a portal at that time. The reason they gave me was the option to resume payments was not available. That's two different reasons. Is it because the portal was never opened, or is it because the option was not available? All of the reviews of telephone calls from XXXX XXXX XXXX going forward that are included in the SLS response have nothing to do with my complaint. Specifically, I would like to know why the option to resume payments was suddenly no longer an option at the end of the forbearance?

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 2019-03-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I purchased furniture from XXXX XXXX XXXX in Florida in XX/XX/2019. XXXX offered no-interest financing ( 0.0 % APR ) for 18 months with no fees. I accepted their offer and financed the furniture based on their representation that there would be no interest or fees for 18 months. The store opened an installment credit account in my name with Synchrony Consumer Financial and charged the furniture to that account. Two months later, I noticed charges on the account for " card security '' and monthly interest charges presumably related to the card security fees. Upon further investigation, I discovered that Synchrony and/or XXXX had, without my permission, registered me for " debt cancellation '' insurance at a cost of 1.6 % of the monthly balance on the account. I did not request or accept the service when I purchased the furniture. The charges simply appeared on my monthly statement. The terms and conditions, which I subsequently discovered, state that all charges will be refunded if the service is cancelled within 90 days. Luckily I noticed the charges and cancelled the service with two weeks to spare, although it remains to be seen if the fees will be refunded.

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 monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After reviewing my credit report, I found numerous inaccurate names, address, aliases, and addresses that do not belong to me. I want to ensure that you only retaining and reporting true, current, and accurate on my credit report per FCRA regulations and demand, as my lawful right, for names and addresses other than what is listed above and below to be removed immediately as it is not accurate and untrue. 

PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank you for your urgent response in this matter. 


Thank you,

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