BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Experian. I have two department of education student loan accounts. These were paid off with the Public Service Loan Forgiveness program in XX/XX/XXXX but the company servicing my loan went defunct. When my loans ( with {$0.00} balance ) were transferred to XXXX, they were still listed on my credit report as having balances. I tried multiple times to get XXXX to report this to Experian, XXXX, and XXXX ; they did not. 

So I went the route of disputing these two loans with each of the three reporting agencies ( so XXXX in all ). Five of the accounts are now correct on my credit reports : account closed, paid in full, {$0.00} balance. ONE balance remains on Experian ( {$47000.00} ). This is NOT correct -- the account was paid in full, the balance is {$0.00} ; yet this is still being calculated in my total debt. 

I submitted a dispute with Experian. I received the results on XX/XX/XXXX. However, they only removed one of the two student loans. I submitted documentation again showing {$0.00} balances on my XXXX student loans, but on XX/XX/XXXX they came back saying they rejected the dispute because I submitted the same documentation. Well, yeah, I did because they didn't make it right the first time with that documentation that clearly shows a {$0.00} balance. 

Finally, there is no way to get in touch with Experian. The numbers they provide for contact information if you need further help do not work. There is no way to connect to a real person or the recording says they are not able to take calls right now. Yes, I am calling during their business hours. 

XXXX and XXXX got this right -- Experian needs to do the same.

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 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a complaint against capital one auto finance but capital one auto finance responded that they own this account.for the past three years this account has been sold to a collection agency which was reported to the credit reporting agencies.it 's violation of all applicable federal and state laws for capital one auto finance to have account information in their data base after it has been sold to a collection agency.this is not a duplicate complaint as this company stated, this is a entirely different complaint that I submitted to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against Experian and XXXX for their failure to provide proper debt validation concerning a XXXX account, account number XXXX, which was purportedly opened in XX/XX/. Both of these credit reporting agencies are currently reporting this account as " charged off '' with a balance, which is not accurate. I have taken steps to rectify this issue, and XXXX has already removed this account from their records, further emphasizing the inaccuracy of the information provided by Experian and XXXX. 

My primary concerns regarding this matter are as follows : Inaccurate Reporting : Experian and XXXX are reporting the XXXX account, XXXX, as charged off with a balance, which is not only detrimental to my credit score but also entirely false. XXXX has already acknowledged the inaccuracy and removed this account from their records, and I believe that all credit bureaus should maintain consistent and accurate information. 

Lack of Debt Validation : Despite my repeated requests, Experian and XXXX have failed to provide adequate debt validation for this XXXX account. I have disputed the accuracy of this account, and both agencies claim to have validated it through XXXX. However, I have personally confirmed with XXXX that they are unable to validate the existence of this account, casting doubt on the legitimacy of the information provided by Experian and XXXX. 

False Address Association : The address associated with this XXXX account does not belong to me. This erroneous association further raises concerns about the accuracy and reliability of the information being reported by Experian and 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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. XXXX demanding CFPB to enforce the correction and or deletion of these items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Friday XX/XX/2019, attempted to get a new car loan through my credit union,  was denied because they use Experian as their sole credit provider and Experian showed me as have no credit. I checked with both XXXX and XXXX and they both showed me as have an extensive credit history with good credit ( rated A ). Attempted to contact Experian by telephone, many layer of voice prompts provided little opportunity to talk with a human. After many telephone calls was able to reach a human, but was advised I had no credit history. Explained my credit history with XXXX and XXXX and was transferred to another individual who looked deeper into the problem. After some review by that person a case was opened to attempt to fix the problem. Wednesday XX/XX/19, attempted to contact Experian by telephone to check on the progress of my case. Once again many layers of voice prompts. After more than 45 minutes of transfers and holds reached someone in the " dispute department '' who explained I had no credit history. Got that person to look deeper in the issue and they advised the problem was being researched but could provide a resolution date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
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: Personal information incorrect

Complaint:
These information are errors on my credit report and it's defaming my character and causing me financial hard, delete immediately. 

My real name is XXXX XXXX XXXX XXXX Delete These names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My address is XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX Delete these Addresses. 
XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Kindly find attached my social security card and passport to proof identity.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Dear sir, The credit bureau had reported a false late payment on my credit report file account XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request you to see Verifiable Proof ( the original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

Account Name Account Number XXXX XXXX XXXX I have not missed a payment nor have late payments so far on this account. 
I also want all non-account holding inquiries over 30 days old removed. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that 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 items which are found to be opened due to identity theft. The dispute items 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 block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}

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 2022-05-31
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency connot furnish an 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 explanation
Consumer complaint received 2023-02-05
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Sunday, XX/XX/XXXX, I mailed a check in the amount of {$3900.00} as a payment for my local taxes. I included a Parcel Number on the check. Since it was Sunday I mailed it in the blue box outside the XXXX XXXX, PA post office. On XX/XX/XXXX, XXXX I received a letter from the XXXX XXXX. Tax collector, XXXX XXXX, informing me that my taxes had not been paid and I now owed the taxes and {$450.00} in penalties. 
I looked online at my checks and found that the PNC check XXXX had been altered, made payable to one " XXXX XXXX ' '' It was an obvious forgery. PNC cashed the check. 
On XX/XX/XXXX I visited the XXXX XXXX branch of PNC bank at XXXX XXXX XXXX, XXXX XXXX, PA XXXX, phone XXXX. Two of the bank employees took my information, made copies of my duplicate check and the forged check and assured me that money would be returned to me at some point in the future and that I would be informed regularly as to the progress of the " investigation. 
I do not know why I would be part of any " investigation. '' PNC took my money and gave it to a thief. I never heard anything from PNC. I called the Fraud Dept. in XXXX and they had nothing to report. On XX/XX/XXXX I visited the branch and they verified that nothing had been done so far. 
{$3900.00} is a lot of money and with the penalties I had to pay {$4400.00}. I have had to struggle over the last two months to pay my bill. I am not rich. I am a XXXX XXXX XXXX. PNC did not take care of my money. If PNC has to investigate their own ineptness ( a good idea ) they should do it on their own time. I think it is another crime for PNC to keep my money and give it back to me when they feel like it. They have plenty of money right now and I want my money right now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: MS
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 are serveral accounts and inquires that I didnt initate. One of being XXXX XXXXXXXX XXXX XXXX this debt is NOT MINE I have never had a bill like that and have not paid it. The account XXXX XXXX XXXX XXXX is indeed a fraudulent collection account. The following are inquires for credit that I didnt applyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Of the accounts, inquires listed above are not mine and I DID NOT APPLY FOR CREDIT ETC. AT ANY OF THESE ESTABLISHMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: CA
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: Other problem getting your report or credit score

Complaint:
Can not reset password and fraud on account opening card and maximum out card and I can't even get cards now have no access to experian to dispute or view will not answer phone or give customers service

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 2017-12-11
Company: EQUIFAX, 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:
This is about my credit scoring done by Equifax. I keep up with my credit score check weekly and watch how my credit scores drop when I use my credit. Last week my score was XXXX and now it drop to a XXXX. My score will drop more than it will rise and I wanting to know why? Is this how it keeps me paying more in APR 's or what. I have no late payments, bankruptcy or repossessions on my history but yet I 've never been over the XXXX mark. I have plenty of credit history too, Im XXXX years old. So how is this a fair credit scoring system they have in place. Its almost like it to keep you from using your credit or to keep a person paying high APR 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
final notice The information listed below are inaccurate and incomplete. The presence of these information on my credit report is damaging me and defaming my character and must be removed. I respectfully ask that these accounts be and removed from my file and blocked for the final time. 

My name is XXXX XXXX XXXX XXXX and this is the only name i want on my credit report, Kindly delete the following names below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, Kindly delete the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Find attached my Id card and ssn card as proof. 

I have informed you by mail and its passed XXXX  days, i here by give you XXXX more days to delete this inaccurate information off my credit file.

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 2023-02-05
Company: Io, 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:
I contacted receivable management systems about removing a collection from my credit report that was paid. They agreed to remove it once paid but did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
15 US C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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