BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

The account XXXX XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? Its been way over 30 days and still no results on any investigation. Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. I thought a CRA had 30 days to complete a full investigation please detail me on why the law has been violated? 

This has been an ongoing issue with no resolution. How is this account even reporting while the United States Bankruptcy Court reports to no one? If you are unable to explain how you obtained this information, please delete it. If you can not provide a letter from the court, or any form of communication showing they validated this, then please delete 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 2023-10-07
Company: EQUIFAX, INC.
State: CA
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$6900.00} ; XXXX XXXXXXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9300.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-01-15
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:
I noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2023-12-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My collection was paid in full and there was an agreement that once paid the collection would be completely deleted from my credit report. The collection was only updated to paid and not deleted from my credit report as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

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 2018-07-13
Company: CURO Intermediate Holdings
State: TN
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:
I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the  case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX XXXX  and XXXX  I am getting the run around with no type of help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America XXXX XXXX Lost my fathers original death certificate on XX/XX/23 and then had to go to probate due to a computer error on their side as they forgot to check beneficiary in addition to co signer in account. Finally got probate decree and refuse to accept it and now says there is a deceased hold on account due to inactivity ( my father passed XX/XX/23 ) so it needs a full investigation and to make sure decree is valid and they refuse to close and disburse funds

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 2023-07-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2022-10-14
Company: Experian Information Solutions Inc.
State: GA
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:
My name is 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 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. 

Fraudulent inquiry XXXX XX/XX/XXXX XXXX XXXX lending 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 non-monetary relief
Consumer complaint received 2021-01-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent out letters to the credit bureaus regarding accounts that should not be reporting on my credit. I havent received any documents in the mail or anything saying an investigation was started. I am thinking that the credit bureaus are ignoring me. I did a little research of my own and saw that if the credit bureaus do not complete an investigation within 30 days the accounts I disputed had to be deleted. So at this point all the accounts need to be deleted from my credit reports because the credit bureaus did not complete the investigation in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: SC
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:
The company has been Experian including false debt reports of XXXX owed on my credit report. I've reported that they had information that was false on my account on multiple occasions. But they refuse to remove it or update my online account information. I thought that it was illegal to add medical debt on a credit report for a bill that's already paid off, plus the bill wasn't even overall. Also, There are more than XXXX accounts listed for companies that I don't even owe money too as well.

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 2021-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX SPECIAL SERVICES DEPARTMENT ACCORDING TO FRAUD AGENT XXXX AT EXPERIAN SPECIAL SERVICES THE FRAUDULENT XXXX ACCOUNT IS NOT ELIGIBLE TO BE REMOVED WITH DOCUMENTS I SENT, THE FTC IDENTITY REPORT AND POLICE SHOWING THAT SOMEONE HAS ALREADY BEEN ARRESTED FOR THIS CRIME AND YOU CAN NOT REMOVE IT BECAUSE THE ACCOUNT AND DOCUMENT DOESNT MEET CRITERIA FOR IT TO BE BLOCKED. DOESNT MEET EXPERIANS INTERNAL CRITERIA TO BE BLOCKED. I ASKED WHAT INTERNAL CRITERIA IT DIDNT MEET AND WAS TOLD I COULD NOT BE TOLD THAT ITS AN INTERNAL REASON. EXPERIAN IS KEEPING FRAUDULENT ITEMS ON MY CREDIT AND VIOLATING FCRA WITHIN 30 CALENDAR DAYS IF THE CREDITOR HAS NOT RESPONDED THEN THE ACCOUNT SHOULD BE DELETED. ACCORDING TO XXXX. XXXX STATED ON THE XXXX OF THIS MONTH BEING XXXX  IT SHOULD BE DELETED IF XXXX DIRECTLY DOESNT RESPOND NOT A THIRD PARTY COMPANY. 
I called in XX/XX/2021 at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that experian is refusing to block these fraudulent items because of their INTERNAL policies which have nothing to do with the LAW. This is defamation and improper use of my credit report. This is a violation of the Federal Trade Commissions policies and legalities. Block and delete this account permanently from my credit report. Abide by the law and FTC requirements and Sec 604 and 609 of the FCRA

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 2021-01-15
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
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:
Fed Loans and US Department of Education haven't provided original documentations when asked by the three credit bureaus ( XXXX, XXXX  and XXXX ). I submitted three disputes on XX/XX/20, XX/XX/20 and XX/XX/20 with them stating " You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct and to remove the item from my credit file ''. They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). XXXX  has since removed these account from my file but it still remains on my XXXX and XXXX credit files. In the documents attached below, you will see when I first submitted my 609 letters and when XXXX  removed US Department Of Education file, but Fed Loan/USDept services remains on my accounts on XXXX  and XXXX. Theres a huge inconsistency and inaccuracy on my credit file that takes a toll on my personal growth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This XXXX/Lowes account # XXXX was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.

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 2023-03-29
Company: Genesis FS Card Services, Inc.
State: TX
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:
hello I am reporting my credit card company CBINDIGO acct # XXXX for reporting incorrect payment history/ balance due on all 3 credit agencies. I have sent in dispute letters asking them to update the late payment they have reported during the pandemic/ financial hardship. I am under the credit card credit protection plan which stops them from reporting missed payment and they are not honoring there own policies. They are not following the consumer laws 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I will like this information updated on all 3 credit agencies as to this is stopping me for getting a mortgage and buying a home. they also reported a missed payment after being on autopay for a yr because they sent out a new card to replace my old card which I have not received so they froze my account not make any payments because I had not activated the new card. I had to call them for them to issue me out another card. please tell me how is this legal knowing that they are reporting incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

The account XXXX XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? Its been way over 30 days and still no results on any investigation. Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. I thought a CRA had 30 days to complete a full investigation please detail me on why the law has been violated? 

This has been an ongoing issue with no resolution. How is this account even reporting while the United States Bankruptcy Court reports to no one? If you are unable to explain how you obtained this information, please delete it. If you can not provide a letter from the court, or any form of communication showing they validated this, then please delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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: Account information incorrect

Complaint:
The following account information is incorrect reporting that I was late on the following accounts : XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX, XXXX, and Experian XXXX XXXX  : I was never 30 days late ; incorrect late information is reporting on ( XXXX, XXXX, and Experian XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX and Experian ) I was never 60 days late ; incorrect late information is reporting on ( XXXX  and Experian XXXX ; XXXX 's : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( XXXX, XXXX, and Experian ) ; XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( XXXX, and Experian ) ;

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hi I have several inquiries on my credit report that I don't recognize and want to report them

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 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I open a checking account with XXXX  XXXX XXXX in XXXX XXXX, XXXX VA on XX/XX/2018 with deposits of around more than {$25000.00} with cashier checks, cash and USPS money orders. They gave me like a receipt that reads that USPS money orders will appear on my account the next day ( XX/XX/18 ) and the cashier checks on XX/XX/XXXX. Next day i check the account and i saw the cash and money orders deposits. I went to the bank to withdraw money on XX/XX/XXXX, and i didnt have the money order deposits available anymore. They told me they put a hold to everything till XX/XX/XXXX ( 11 day hold ) and they didnt gave any new receipt nor gave me a logic explanation for 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 explanation
Consumer complaint received 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 am filing this complaint to CAPITAL ONE for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation