BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: MO
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. XXXX5 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: CORELOGIC INC
State: TN
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:
Good evening, The company " CREDCO '' is an unauthorized credit check. 

That's it. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2021-06-20
Company: MIB Group, Inc.
State: OH
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:
Upon application for automobile insurance via several carriers provided attractive, low rates based on my provided information. All raised their rates just after clicking submit yet before filling in payment method. XXXX XXXX  skyrocketed substantially, increasing nearly 100 % ; and, importantly, they cited data from a consumer report from MIB as the cause of their ADVERSE ACTION. Further, upon shopping life insurance policies, at least 2 insurers declined me ( via XXXX ) while many other only offered RATED policies rather than standard, also citing MIB.

After much trouble and research, I found MIB and was ultimately able to obtain my report. While I could submit the request electronically, they did not offer *delivery* electronically, even though I explicitly consented to- and requested such delivery. Likewise, they do not offer web-based disputes except that the entire request ( s ) may be submitted via email ( not interactive web portal ).

On review of my report, THREE OF FOUR ITEMS ( 75 % ) are in COMPLETE ERROR. These events are NOT contemporaneous, complete nor accurate. I requested immediate removal via email. A representative accepted my request and indicated theyd process removal, based on his word choice. 

In one case, the report lists SUICIDE as a condition! Obviously, this is false : Im inherently not affected by suicide based on the fact that Im writing this and thus living. This item should have been removed IMMEDIATELY upon disputing. 

However, only later was an official dispute form provided. Because I had to wait for mailing, my ability to actually dispute was delayed by over a week. Upon official submission, the Bureau stated it would take FORTY-FIVE days for any decision, against regulations. 

Further, MIB then responded that they had referred all three of my disputes to XXXX XXXX. MIB stated it was that company that, allegedly, furnish the data. This means that MIB is actively and knowingly furnishing, selling and sharing FALSE DATA, a crime in its own right. Worse, they are not CHECKING for ACCURACY, whether at time of publication nor ongoing. This is obvious because they could not produce source and had to seek third-party verification of their false data.

Worse, there is no intermediate resolution such as interim suppression of FALSE data nor ability to add a CONSUMER STATEMENT to their Consumer Report. MIB does not accept physician statements attesting to the accuracy of MIBs records ; and, as above, they do not keep records to validate data even upon original acceptance and publication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Information belongs to someone else

Complaint:
The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC.XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello hope all is well, I was viewing my credit report and notice that I had inquiries that are definitely linked to identity theft. My mind is blown because the amount of inquiries that are on my report are stopping me from helping my mom get the house and a XXXX XXXX to protect her. Ive been trying to figure out how these culprits could have gotten my identity but Data breaches have been happening all throughout different businesses that have personal information. These inquiries are ruining my life. I have been doing research on the law and according to the FCRA all fraud inquiries must be blocked and removed within 4 days. Now I also read on forums that you try to rescind the order but that is a violation because I am a victim and I am letting you know that my information was stolen. You must follow the law that was put a side to protect me and others who have been abused. My life changes when you stand with justice. Please get this off my report right away. I have attached the FTC report with all the inquiries attach to it that must be removed with in 4 days. I also attached proof of my id. & a proof my address with a utility bill. 

God Bless You all.

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 2018-12-07
Company: EQUIFAX, INC.
State: OR
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:
To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from XXXX, XXXX or Equifax and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
The credit bureau stated that my accounts were investigated properly but how is that true but how is that correct when the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. I also am not liable for any debt and do not have contracts with collection agencies that are included in my accounts. Accounts include : XXXX XXXX Secured loan with account # XXXX XXXX Lease with account # XXXXXXXX XXXX XXXX loan with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX XXXX, XXXX with account # XXXX XXXX XXXXXXXX with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX with account # XXXX The grounds for removal from my credit report involves the following rights that were violated : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Of which it states that a person shall not furnish information relating to a consumer to any consumer reporting agency.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: IN
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 I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Your Account Dispute has been updated. 
XXXX XXXX, XXXX The dispute for the account with XXXX XXXXXXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XXXX XXXXXXXX XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX WHAT NOW? 

We'll notify you when all of your pending disputes are complete, and the results are ready. To see your most recent updates, please check your updated credit report. 


Have requested to get me the proof that this is my account? So far no Answer from XXXX XXXX or from Experian. I am shopping for a Used car and now having a tough getting a car loan approved as Experian decreased my FICO Score by XXXX points. 

Unable to write to them or call them There Calling center is closed. Always closed. 

All I get is an answer from Experian we checked and XXXX XXXX says the report is correct. So, this report stands on my Credit report, now every other XXXX XXXX XXXX XXXX and XXXX also lower my Fico scores. 

Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? 

Respectfully, 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 2023-06-01
Company: Experian Information Solutions Inc.
State: IL
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:
I submitted disputes with all three credit reporting agency in XX/XX/2023 and XX/XX/2023, I never received a response regarding the investigation of the inaccurate information reporting on 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 explanation
Consumer complaint received 2020-06-27
Company: General Motors Financial Company, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate i can go on and on how credit bureaus have no respect for the Law someone need to hold them accountable

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 2018-07-16
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out numerous times that this account does not belong to me and now I am being ask to file a police report just to get this removed from my account. I feel like this makes no sense why should I have to do so much on my end for something that I shouldnt even have to deal with because of something that shouldnt even be on my credit report. 

Account that is charging me {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and noticed XXXX collections that I do not owe I need them deleted 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
This is the refilling of my complaint to American Express. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my writtien instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: HYUNDAI CAPITAL AMERICA
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:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. I'm never been late on these accounts : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. Also, I am the person making this complaint & I give cfpb authority to investigate this claim.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: PA
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:
in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy under confidentiality under 15 USC 1681 XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXXXXXX XXXX # XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15USC1681 section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more then seven years 15 USC 1681subsection 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. I ask to verify the debt XXXX didn't do any investigation on my behalf they also gave out my addresses to the company. My right been violated 15 U.s code 1692 the not helping creditors they selling my information to the company that owes the debt lying not providing details on the contract or verifying the debt above on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: LEXISNEXIS
State: TX
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:
I dont know who the company is that are reporting and eviction. I know nothing about the information that is being reported. I dont know how they got my information, I didnt give them my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After XXXX minutes on hold I spoke with a company representative on XXXX, a XXXX XXXX. She said I qualified for the XXXX-payment option and updated my account to reflect my acceptance of the offer. I am a senior citizen living on a fixed income below poverty level. In spite of my signing up for this option Aidvantage student loan server is continuing to bill me XXXX a month. Thus, this company is either grossly incompetent or is attempting to fraudulently collect money from me that is not owed. I want Aidvantage to correct this situation immediately. It has already harmed my credit score and caused me extreme emotional harm and anguish. This ABUSIVE behavior needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: GLA Collection Company, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a health insurance that I have been paying premiums on timely manner. However, for some reason my account has been sent into collection and it is very adversely affecting my credit score now. I have never been contacted or informed on this debt earlier. I was under impression my visit to the hospital was taken care of by my insurance company. I only find out about this collection when a lender run my credit report. 
I am a single mom and currently unable to take a loan and provide a roof over my kid 's head because how this collection is affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation