BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
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:
I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected or resolved right away. 
XXXX XXXXXXXX

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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
As you can tell from the picture i have enclosed this is an old loan. I bought the vehicle in XX/XX/XXXX, and the loan has continually been on there ever since. The vehicle is long gone. every time i call to dispute this from experian they change the date on it. I have asked them to remove it in XX/XX/XXXX but now it say XX/XX/XXXX? what gives this company the right to keep the original loan from XX/XX/XXXX -XXXX on my report for that long? that is not in compliance with the FCRA is it? 
Date Opened : XX/XX/XXXX & lt ; -- -? 
Date of Status : XX/XX/XXXX & lt ; -- -? 
Reported Since : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Type : Auto Loan Terms : 60 Months thank you for your help in removing this from experian, none of the other credit reporting sites have this on there and have n't XXXX XXXX XXXX XXXXXXXXXXXX

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 2016-02-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian lists erroneous, highly damaging, information regarding XXXX accounts with XXXX XXXX. I made contact with XXXX via telephone to get the account information for farther investigation some months and they do not know it. I then requested online that Experian validate the debt. They did not provide proof the debt is correct in any way. I would like this information immediately expunged 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: Veros Credit, LLC
State: GA
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:
Hard inquiries that I would like to please remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have asked Experian several times to remove dispute comments from a collection account and they are refusing to do so because they say the information is coming from the data provider and they have to remove the comment. The data provider is refusing to remove the comments. When I asked the data provider to do so they laughed at me and asked me what I was trying to buy, and refused to remove the dispute comments even though I told them I was no longer disputing the account. I told Experian I am not disputing this account and to please remove the comment. From my understanding they have an obligation to report correct information and the correct information is that I am not disputing the account. I am asking them to update this account to Have no dispute comment. Also, the date of the first delinquency is completely incorrect and they need to correct that information as well or remove the information completely. The other reporting agency 's had no issue with immediately removing this information. So I am not sure what experians hang up is but they need to get my credit info on this account corrected.

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 2018-10-26
Company: EQUIFAX, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
I am submitting a complaint against Equifax credit bureau. I have been trying in vain for an extremely long time to get online access to my reports without any luck. I cant get an answer from them as to why I keep getting a message that my information does not match, even though it is entered correctly. I have been on the phone with them as I have input my information and verified that is the same as what is in their system, but I still couldnt get online access. 

I have sent them my social security card and ID showing my information in the past as well. I cant even access my Equifax report via the XXXX website. I have attached copies of the messages I receive when on their website. One representative told me that maybe it would work if I had a paid membership subscription with their company, which I hope they are not purposely doing this to consumers that do not buy credit products from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$400.00} ;

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 explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8.00}. 

In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian is not following the rules of the FCRA. I requested they investigate XXXX specific accts on my credit report. I felt they were reporting in error. Experian reported back that they verified all the information & when I requested they re-investigate the information they said I needed to contact the data furnisher directly. So on XXXX XXXX, XXXX I sent letter, via certified mail, to the XXXX data furnishers requesting additional information. To this date not XXXX data furnisher has provided me with any information about my accounts. So on XXXX XXXX, XXXX I sent a letter to Experian informing them that all data furnishers have ignored my request & I requested they remove the negative errors on my report. I included the letters I sent to the data furnishers as well. Experian has since responded & said they will not remove any information that they 've already investigated these accounts. They are in strict violation of the FCRA. I would like these accounts removed 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 2018-08-21
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got my wisdom teeth out at XXXX XXXX in XXXX, KY in XXXX of XXXX. 
My insurance would not cover the expense of {$1500.00}, so they set me up with a plan to pay my bill " interest free '' with a Care Credit credit card. I was not aware of any promotional benefits expiring in XX/XX/XXXX, so I set up autopayment with my XXXX card and waited patiently for the day my balance would be paid off. That day never came, and in XXXX of XXXX, I unknowingly received an increase in my owed balance of {$580.00} when I owed only {$650.00} left. This made my balance increase to {$1200.00}, which is only {$350.00} less than my initial balance. Not only had my balance increased, but I was also unwillingly now paying 26.99 % APR on this balance. I was not aware of these occurrences until I ran my credit report and discovered an increase in my debt owed late in XXXX of XXXX. I immediately reached out to Care Credit customer service, which was of no help and treated me like I was in the wrong by not being aware of the events that occurred and why. I talked to four customer service representatives who were not sympathetic ( XXXX XXXX, XXXX, XXXX, and XXXX XXXX and one collection accounts XXXX, XXXX, who was not helpful at all. After a little research, mainly while I was on hold between transfers, I discovered in XXXX a complaint was made about " deceptive enrollment process '' concerning the CFPB found that service providers misled some consumers by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. For the record, I was given a minimum monthly payment that I paid every month, never missing one payment. I feel like the minimum payment was chosen by the provider in order to ensure the balance would not be paid by the end of the promotional " interest free '' period. If I had more information, I would have paid the correct amount to avoid the extra charges, including an outrageous increase from 0.00 % APR to 26.99 % APR on a balance that was roughly 78 % of my original balance. Please advise if there is someway to appeal this. If not, I will need to make a decision quickly on how to deal with in order to avoid financial disaster. Thank you for anything that will help.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NJ
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was lost or stolen on a date unknown to me. I recently checked my credit report and found an account open that I did not open, authorize or consent to it being opened. I then filed a report with the FTC and other law enforcement agencies. I sent the information with all requirements to Experian via USPS certified mail. Experian refuses to delete the fraudulent account. I sent the company what I was given by law enforcement. In our region the officers do n't give you a physical report. Only a report number and a cover sheet which was submitted. The other agencies were filled on line in which that information was submitted also. The following account is not my account and I demand that it be removed from my credit profile ; XXXX XXXX # XXXX not my account please remove this fraudulent information from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX, XXXX was collecting money on the behalf of Rapid Cash. They turn this account over to XXXX, XXXX XXXX XXXX XXXX. The account has been paid in full ( {$2600.00} ) File # XXXX on XX/XX/2018. I have checked my XXXX   credit report and this company XXXX XXXX XXXX XXXX XXXX XXXX name is on my credit report still reporting a balance of {$110.00} when it has clearly been satisfied. I have a letter from the above attorney office which states the debt has been satisfied. This incorrect reporting of inaccurate information need to be removed immediately from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
Experian keeps reporting that a alledge debt keeps coming back verified which is incorrect. the reporting on the account is inaccurate the balance on the account is {$0.00} and the debt has been written off into a 1099 which Experian has not supplied me with yet as I keep sending in letters to accurately have this account removed from my credit report which is causing major damage and is stopping me to buy a home for me and my kids. 

So now I am demanding the following copies of the legal notices and proof of the commercially manned of the subject vehicle Account XXXX XXXX XXXX XXXX XXXX 1. The complete original alleged promissory not that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The calculation pf Surplus Or Deficiency letter 6 Any additional finance contracts including those related to insurance or finance products 7. Buyer 's guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note.

10. Provide 1099 from irs

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 2023-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On a spirit air flight I was given an offer for XXXX miles if approved and if I spend XXXX in 3 months. Iwas approved for XXXX limit. After spending XXXX In first week and paying off the balance bank of America closed my account before letting reach the XXXX spent. I upheld my obligations and in good faith used the card as promised but was see denied to reach the XXXX by closing the 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 2023-07-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it fr

Company response to consumer: Closed with non-monetary relief