BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been trying to get a hold of someone in XXXX  for 3 weeks. I was denied opening a checking account because of the information on this report. The bank would not share the information with me. And told I needed to go to XXXX to get the report. 

I requested a copy of my report and have not received one. I have called and can not get a hold of anyone and left a voice message. There is no way to reach a live person or get a follow up about a request for a copy of my consumer report. 

It's difficult to know what the issue is or fix an issue if I don't receive the consumer report to find out what the problem is. 

What are my options?

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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:
identity theft is what happened and also i asked to lock my credit.

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 2023-05-02
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 I reported the collection agency by the name of IC SYSTEMS, who purchased a debt from XXXX XXXX XXXX XXXX XXXX as well as another agency ( nameless, it has been cleared ). I contacted the bureaus with supporting documents to have the account removed from my report. Both XXXX and XXXX removed the account and also noted that, the company should not be allowed to report this debt again. 
I also contacted the CFPB, in 2019, regarding this company. The account was removed from my account due to fraud, in 2019. However, this same account has been listed as a collection item, once again, on my XXXX credit report. XXXX later. As proven, I have sent validation letters to this company, that went unanswered after the legal allotted time.

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 2023-06-16
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem to be fixed ASAP. I will not wait another 60 days to receive no response because clearly you all ignored me. I demand these accounts be deleted immediately or I will file for a litigation due to the XXXX you caused me. Section611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I took out a moneylion loan came XXXX XXXX in XX/XX/XXXX. I paid the loan on time biweekly and paid off the loan beginning of XX/XX/XXXX. The terms of the loan were {$1000.00} approval with {$250.00} put into a reserve account until the loan has been paid and the {$250.00} would be released to my account. 

The loan was paid per app notifications and messages the {$250.00} would be released a few days later. The only amount I received was {$0.00} I have reached out in the moneylion app 3 separate times over the course of 2 weeks asking where my funds are and each time I was told the issue had been escalated and I would receive a phone call or email no update as of yet. It's been going on 3 weeks when I was supposed to receive the money a few days after I paid the loan off

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My case relates to Experian Report Number # XXXX the alleged bankruptcy that is reporting on my credit report. I sent a dispute letter to Experian XX/XX/XXXX. Along with this dispute I provided documents from the Courthouse Clerk that the bankruptcy court does not report to the credit bureau, A letter from XXXX that the bankruptcy was not verified and has been removed, and a copy of the letter that Experian states their resource to verify bankruptcies is XXXX. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) and in violation of the Fair Credit Reporting Act. Experian did not properly investigate my dispute and take in consideration of the supporting documents. In response, I received an email XX/XX/XXXX from Experian stating the company has verified the information and has certified to Experian that the information is accurate. However, this is false because courts don't report to agencies/credit bureau XXXX XXXX could not verify the alleged bankruptcy and was removed. If XXXX is the source that Experian uses to verify the alleged bankruptcy. How is the bankruptcy verified and accurate? As a result, I would like for CFPB to investigate this matter. Copies of the Disputer letter and supporting documents has been attached.

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 2020-09-14
Company: Conduent Incorporated
State: TN
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:
Ordered my TN unemployment card XX/XX/2020 and still havent received it in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-10
Company: Experian Information Solutions Inc.
State: NV
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 free credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 ( a ) Section 2, it also states a consumer reporting agency can not furnish the account without my written instructions. Under 15 USC 's 1666 ( b ) the accreditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2018-08-23
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/18 spoke with my bank, XXXX XXXX customer service, to get new atm card. 
in process the agent went into a program from one of the 3 credit reporting agencies to " VERIFY ME '' ... This is the second time in a week I have had this horrible experience. 
What is happening is that the first question is : What is the prefix for the phone # ending in these last four digits..? These agencies are going 10 to 30 yrs back as what I have been told. I have a learning XXXX, but who the XXXX is going to remember the prefix of a 20 yr old phone # anyhow? The other call had asked me the same stupid question, and what of these four cities did i live in? I lived in two of them and told her ... she said YOU HAVE TO PICK ONE!! I did and obviously it was not the correct one for them. I was also asked whom I am closely .... associated with of four names ... none .... but one was an ex from 30 yrs ago ... People with learning XXXX and the elderly ( i am both ) are being denied services because they cant be 'VERIFIED '' through these credit agencies. The first one was getting a phone which I was denied due to this XXXX. Who the XXXX is going to remember obscure phone info and other info. from 10 to 30 yrs ago? Let alone the elderly and people with XXXX? arrrrrrg ... This is flat out wrong! like I had lived in two of the 4 options but was told I was wrong ... denied services..arrrrg. 
This needs to stop and stop now! it was as frustrating for the gal I spoke with as it was for me to deal with it. 
This is discrimination against XXXX people and the elderly at the very least ... 
Personally I dont think the avg. person could get all these correct. 
thank you. sincerely, 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 2023-09-08
Company: Experian Information Solutions Inc.
State: MI
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete for Violation 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT

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 2023-05-02
Company: SUN LOAN COMPANY 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: Account status incorrect

Complaint:
XXXX XXXX XXXX  XXXX agreed that if I paid the total amount I owed on XX/XX/2023 of XXXX, they would remove it from my credit report. However, the debt has been paid, and they haven't removed it from my credit report. Therefore, the representative agreed to DELETE it if I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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 have written Equifax and XXXX and XXXX regarding errant accounts with many inaccuracies on my credit report many times asking them to investigate these accounts to make sure they are Verified and Accurate, each time they come back as Verified as Accurate, However I keep seeing many inaccuracies and mistakes which is not allowed by FRCA. I have also attached just some of the investigation results as there is too many. No matter how I try to resolve these inaccuracies these accounts still appear, which I have now learned is a direct violation of my rights. 

These several accounts are Highly Incorrect and Errant and these accounts were verified as accurate after many investigations ( unlawful ). 

However, I have a few questions for the bureaus : How did these bureaus complete their investigation? 
Did they talk to my neighbors, friends, family, etc as per law in the FCRA? If so, please inform me of the person who completed this investigation and a FULL description of the investigation within 15days or less. One more thing, I was reading the FCRA and noticed they violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and the Time to correct these accounts has long passed. Please see attached Credit Reports as reference of all the inaccuracies which is NOT allowed by FCRA, my report must be 100 % accurate. The inaccurate accounts are : 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 that have the exact same mistakes on many places of the report as I have circled for your convenience. What is outstanding and a complete violation of the so called Verified Accounts is the amount of mistakes that were never fixed from before nor after their investigations. 

I have also attached proof of all my certified mailings to the credit bureaus, not including the mailings to each creditor. I have also notified my state attorney general of the wrong doing to my person. 

Please have them Delete all the above states accounts right away, and keep them from coming back in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Request for Full Refund - Account Ending In XXXX Reference Number : XXXX To Whom It May Concern, I hope this message finds you well. I am writing to request your assistance in securing a full refund for an authorized charge on my account ending in XXXX. The reference number for this request is XXXX. 

The details of this dispute are as follows : - Merchant Name : XXXXXXXX XXXX XXXX XXXX - Transaction Amount : {$440.00} - Transaction Date : XX/XX/XXXX  While I acknowledge that this charge was initially authorized, I believe that I am entitled to a full refund based on relevant aviation laws and regulations. I kindly request that you review this case in light of these regulations and take the necessary steps to facilitate the refund. 

I appreciate your prompt attention to this matter and thank you for your cooperation in helping me secure the refund to which I believe I am entitled under aviation laws. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to repair the following items in my file immediately : 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed account # 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  Trans Union and XXXX deleted all 3 accounts and added them back to my credit report after it was deleted. This is against FCRA RULES. This is defamation of my character, my personal Characteristics, and my general mode of living. I shouldn't have to file this many complaints against these companies. According to THE FCRA and the FTC, it is their duty that these companies report accurate and precise information to my consumer report. I want all 3 of these accounts deleted from MY CONSUMER REPORT because they were already deleted. I attached the paperwork sent to me from Trans Union and XXXX with these accounts deleted.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2021-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 an account that is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. The bureaus are reporting different dates for last activity, date of last payment and, days late.

Company response to consumer: Closed with explanation