BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian recently dropped my credit score by close to XXXX points, from XXXX to a little over 800. I contacted them and their response was : " We are not licensed credit advisors, so we can not attempt to explain exactly why your score changed. We would like to provide some information you may find helpful. '' They went on to list 5 things that can lower credit scores, like opening a new account, getting delinquencies, adding to credit limits, etc. I have had NONE of those, yet my score as compiled and reported by Experian dropped. When I contact them, they claim they can not explain why a score drops. 

What kind of insanity is this? People live by their credit scores and a sharp drove can strongly affect them, but the credit company can not explain why THEY reduced my credit score. Can you help me with this hypocrisy?

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 2022-01-02
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent equifax certified mail ( tracking # XXXX ) they received the mail XX/XX/2021. The mail consisted of a notarized letter from myself that I am aware that I am being violated pursuant to 15 us code 1681b any reporting agency may only furnish a consumer report with written permission of the consumer and that I never gave them permission to report my information. I sent them a cease & desist notice demanding that they remove all collections, charge offs, negative remarks late payments and clear all my balances to PAID in FULL. I also sent an affidavit of truth and a demand that I am paid {$1000.00} for EACH violation. Equifax has responded by only removing inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Kriya Capital, LLC
State: AZ
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:
approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDENCE RESOURCE MANA Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
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 a " medical Debt '' from XXXX XXXX on both my XXXX and Experian reports, I was FULLY insured and proof of such is being uploaded into this dispute!!!! 

How can you justify billing ME and not collecting from my insurance? pure laziness!!!!!! 

They love to throw around that the debt is " Valid '' well lets see PROOF of that not just your lying word that its so called " Valid '' because here is MY proof that I was not only insured BUT that the medical visit was 100 % covered by my insurance company. 

It's far too easy these days for these companies to scam and try to collect, " We find it valid '' WELL OF COURSE YOU DO!!!!!!!! no one thinks its a conflict of interest? THEY do the investigating? ohh well you mean they found it valid? no? you don't say!! 

WELL LETS SEE PROOF!!!!!!

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX Date Reported - XX/XX/2018 Payment Status - 120 Days Late Account Status - Transferred Account Type XXXX XXXX XXXX XXXXIndividual Original Loan Amount - {$16000.00} has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
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:
There is an inquiry on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX put an inquiry on XX/XX/2022. 
The only thing that makes sense is some at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

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 2019-02-23
Company: EQUIFAX, INC.
State: GA
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:
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. 
Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Due to some recent medical and financial difficulties my car payment became past due. On XX/XX/ I made a payment online in the amount of {XXXX}. The money was taken out of my checking account the next business day. Ally claimed sue to my past due status they cant apply the payment. Today in XX/XX/XXXX, they reported to the credit bureau I was XXXX  days past due. Except I did make the payment, they withdrew the fund but still have not updated my account. I have tried working with them in regards to this but I keep getting put on hold and passed to different representatives.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, this letter shall serve as a formal notice of my intent to file a complaint with the FTC, XXXX  due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated XX/XX/2022, as well as my follow up letter. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).! am maintaining a careful record of my communications with you on this matter, for the purpose of filing a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in WENGER v TRANS UNION CORP., XXXX XXXX XXXX C.D, Cal. XXXX  ), you may be liable for you willful non-compliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 65 day and again 40 days ago : 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 My last submitted compliant through CFPB was XX/XX/2022 ( XXXX TransUnion, XXXX XXXX, XXXX XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-06-04
Company: EQUIFAX, INC.
State: WI
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:
Equifax says Social Security number is linked to fathers name and date of birth unable to upload documents on website- faxed in and they keep saying it has not been received after two weeks unable to close on house loan will be homeless due to their negligence in their resolution and reporting status of credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Experian has been reporting misleading inquiries on my credit file for sometime and they are tremendously effecting me 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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accountswhich is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$38000.00}

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 2022-01-02
Company: U.S. BANCORP
State: WA
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 pulled my credit report and noticed an account that should not be there as it is information that is supposed to be excluded in a credit report, pursuant to 15 USC 1681a ( 2 ) ( B ) which states : ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device So XXXX XXXX of XXXX has violated this law as they did not disclose this information to me and US Bank ( the lien holder ) is equally culpable for participating in this experience so I demand the deletion of this account from all consumer reporting agencies.

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 2023-08-23
Company: Entrata 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: Credit inquiries on your report that you don't recognize

Complaint:
On date XX/XX/2023 I started a dispute with this company to get an inquiry taken off of my credit report that I do not recognize and the inquiry does not have an active account on my credit profile neither! I do not recall making this inquiry! The company has been no compliant and the inquiry is still showing up on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
THERE IS A DEBT COLLECTION AMOUNT OF {$760.00} THAT THE DEBT COLLECTOR IS TRYING TO WRONGFULLY COLLECT.I HAVE CONTACTED XXXX TO HAVE THIS DEBT TAKEN OFF MY CREDIT PROFILE THIS COLLECTION ACCOUNT WAS A RESULT OF FRAUDF I NEVER HAD A SPRINT ACCOUNT. 


I HAVE CONTACTED XXXX, XXXX IS SAYING I SHOULD CONTACTED DEBT COLLECTOR WHEN I CONTACT DEBT COLLECTOR, DEBT COLLECTOR WOULDNT TAKE IT OFF.

I LOST A WALLET DURING WHEN THIS HAPPENED. 


SINCE THEN EVERYTHING IN MY PROPERTY WAS REPLACED. 


I REQUESTED A DRIVERS LICENSE REPLACEMENT AND ALSO CLOSED ALL MY CARDS. 



I HAVE FILED A DISPUTE WITH XXXX 3 TIMES THEY STILL REFUSE TO ACCEPT THE DISPUTE AND TAKE OFF MY CREDIT REPORT. 


I KINDLY ASKED THEM TO SHOW ME VIDEO PROOF THAT THIS WAS ME MAKING THIS PURCHASE THEY DONT HAVE THAT. 



PLEASE LET ME KNOW. 


THANKS.

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 2020-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Billing dispute for services

Complaint:
Account Ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion is still reporting inaccurate information regarding my name. This is my 3rd attempt trying to have this information removed. 15 USC sec 1681 ( a ) ( 1 ) in the Confessional Findings stresses banking system are dependent on Fair & Accurate information. TransUnion is reporting severe inaccuracies regarding the spelling on my first name. This is a violation of my rights. Without my consent and without permission to publish information they have no clue is accurate.. they are still reporting inaccurate information. Pursuant to 15 USC 1681 ( a ) ( 2 ) .. TransUnion is an automated, non-human mechanism that is assembling information about me that is inaccurate and has an unfair advantage over me. My disputed are not making it to a living person who can assess my request. They are not worthy of the viral role they have assumed. They take on a grave responsibility and are careless and reporting fraudulent information. Causing negativity on my consumer reports.

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 2023-01-06
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Original Creditor : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I used my credit card according to congress pursuant to 15 usc 1602 ( L ) I applied for a accepted credit card pursuant to 15 usc 1602 ( M ) I have been making consistent payments with my card for the past 2 years. I recently applied for an extention of my credit because credit is my right according to congress 15 usc 1602 ( f ). i was denied which is a violation of ECOA. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. That chapter is consumer credit protection chapter 41 under title 15. The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. The Consumer Financial Protection Bureau ( CFPB ) states that credit reporting is optional. 15 usc 1602 ( p ) makes it clear that a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 usc 1691 ( a ) ( 3 ) makes it clear that i can not be denied by exercising my rights how do you continue to let these companies violate consumers rights. I would like my account to be restored and my extension of my credit returned to 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 explanation