BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Experian Information Solutions 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:
XXXX XXXX : Date opened is inconsistent. High balance is XXXX with XXXX and XXXX with Experian and XXXX. Payment status with XXXX is current. Experian is " Paid, was past due 30 days. '' XXXX is paid as agreeed. Date of last activity is XX/XX/XXXX with XXXX, XX/XX/XXXX with experian, and XX/XX/XXXX witXXXX XXXX This account has never been late. UPDATE PAYMENT HISTORY TO NEVER LATE. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. Experian reports account as collection while XXXX reports it as open. Experian reports account status as " XXXX ''. Experian lists the original creitor as XXXX XXXX XXXX. XXXX reports " Medical '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. Experian reports account as collection while XXXX  reports it as open. Experian reports account status as " XXXX ''. Experian lists the original creitor as XXXX XXXX XXXX. XXXX reports " Medical '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : XXXX lists account as collection while XXXX reports account as open. Last activity is inconsistent. XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Company failed to respond to validation request on XX/XX/XXXX. Please delete immediately. 

XXXX XXXXXXXX : validation was requested on XX/XX/XXXX. I did not receive any correspondence from company. Date of last activity is inconsistent. XXXX and XXXX report XX/XX/XXXX. Experian reports XX/XX/XXXX. Please delete immediately. 

XXXX XXXX XXXX XXXXXXXX : Account was disputed on XX/XX/XXXX. There was no notice of dispute entered on account. Payment status is inconsistent. XXXX and XXXX reports pays as agreed, but Experian reports 60 days late. Date of last activity is wrong. XXXX reports XX/XX/XXXX. Experian reports XX/XX/XXXX. XXXX reports XX/XX/XXXX. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : Account was disputed on XX/XX/XXXX. I have no recolection of this account. I asked for verification from them. They did not respond. They also did not enter a notice of dispute. Please delete immediately. 

XXXX XXXX XXXX : this account was disputed on XX/XX/XXXX. The account has never been late. They did not investigate. They did not enter a notice of dispute. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : This was disputed on XX/XX/XXXX. I received no response. This is an unknown charge. Please delte 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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$730.00}

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 2019-09-05
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Pay pal shut down and took my acct $ for 6 months stating i had violated service terms despite companies such as XXXX XXXX or XXXX using same platform for 100 % legal XXXX sales. I've contacted compliance department several times/all robo responses and noone is allowed to.explain or talk on phone about it/while they turn a blind eye to 100 's of businesses online I've pointed out using them for same businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: OH
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:
My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681.

Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA..

The account is : 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 2023-12-12
Company: Experian Information Solutions Inc.
State: NJ
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:
After reviewing my Consumer Report, I saw that I had a late payment on my report for an account that I had never been late with before. Consumer Reporting agencies are required based on FCRA 15 U.S. Code 1681B to furnish information on a consumer report to their best ability of Maximum Accuracy. The information on my credit report for XXXX XXXX XXXX account XXXX was reported inaccurately and has not furnished any information that my student loan payment was ever late which it had never been late. If the Consumer Reporting Agency can not furnish or prove this information to be accurate it needs to be updated to current for all months and any late information needs to 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 2020-11-30
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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car through Santander Consumer USA in XXXX, Loan # XXXX. I moved to XXXX  when my problem began attempting to register the vehicle. I aim to receive a Title for a XXXX XXXX XXXX, VIN # XXXX, that I paid in full. First, contacting the company has been difficult because the loan was sold or transferred to XXXX XXXX. However, I attempted to reach the company in XXXX. I was told they no longer had information on the loan, so I was referred to a company called XXXX and then to XXXX XXXX XXXX and received some assistance but no title. 

XXXX XXXX stated that Santander did not provide a copy of the Title, so XXXX sent me a Lien Release. The problem is that a Lien Release is not acceptable for registering the car in XXXX. I am attempting to sell the vehicle, and the purchaser insists I have a Title. I called Santander on Wednesday, XXXX XX/XX/XXXX, and the Title supervisor refused to come to the phone. At that time, I came to the conclusion that I needed to take a different approach, so I am reaching out to the CFPB. 

I only want a Title, so I ask that you help me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: HI
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 represents my 2nd communication via CFPB in which I am addressing the matter of inaccurate and misleading data present within my credit report. As previously communicated in my dispute dated XX/XX/2023, I stressed the negative consequences of having an erroneous credit profile, which has resulted in repeated rejections from potential employers during my job applications. The current circumstances have left me deeply concerned, as securing employment promptly is of utmost importance to prevent undue hardships for my family. What is particularly frustrating is that your inaccurate credit reporting not only impacts my financial standing but also severely diminishes my overall quality of life.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Experian NAME : XXXX XXXX XXXX - It is imperative that you remove any name in your system which does not match the first and last names listed on this letter . My only name is XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 - I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX It will ensure the database has accurate information about me.

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 2020-12-10
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:
I am writing to delete the following information in my file. 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 credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions 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 2023-02-27
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
I am sending you this message in hopes you can assist me with a problem I am having with Bridge Crest regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX Bridge crest sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX Bridgecrest reported a 30day late to my credit bureaus. 



I was in the middle of a real estate transaction, i paid off my car loan with Bridgecrest before a 30day late. Bridge Crest reported the 30day late anyway. 
My score dropped XXXX with XXXX, XXXX points with XXXX and XXXX points with XXXX. 

I called the Customer Service Department of Bridgecrest and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported and would not be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment. why should a consumer be penalized with a 30day late for completing a car payoff before XXXX XXXX XXXX. I want this corrected immediately as it s only fair, based on the email I recived from Bridgecrest on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. My next course of action is the Federal Consumer Protection Bureau.

To date my credit score was not corrected, the points I lost should have been recovered and my score should have been made whole. Instead Bridgecrest and the credit bureau continue to report a history with a final 60day late as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
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 am writing to address persistent inaccuracies on my credit report, which I have been working to resolve. Despite my previous attempts, it seems that there have been no corrections made, prompting my decision to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure the rectification of these discrepancies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
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 XXXX Accounts # 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 written instructions from the 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 explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My interactions with the debt collector have been marked by persistent efforts on my part to obtain vital information, which unfortunately have not yielded the desired results. I have repeatedly requested specific items such as the audit trail detailing the balance in question, the contractual agreement that substantiates their authority to pursue this debt, and the master bill of sale that underpins their claim. Regrettably, the debt collector has consistently fallen short of providing these essential documents despite my sincere inquiries. Moreover my attempts to halt communication through a formal cease and desist notice have been met with continued disregard, as their attempts to contact me persist. In addition to this. I have initiated multiple reinvestigations, urging the debt collector to share the identities of the individuals who purportedly verified the contested information. To my dismay, there has been no response from either the debt collector or the credit agency involved. Their lack of cooperation and failure to furnish the requested information not only raise concerns about the accuracy of their claims but also the adherence to legal obligations. The absence of a timely and comprehensive response has further exacerbated my concerns and underscores the need for a resolution that adheres to the pertinent regulations.

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