BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00}

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 2022-10-14
Company: Experian Information Solutions Inc.
State: NC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it 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 2022-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many inaccurate accounts appeared in my report. And I have already files the proper documentation for these accounts and have sent it to the bureaus but they did not correct them. Kindy see attached documents for these account I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
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 recently submitted a request for an investigation of the disputed account, Since I believed Experian and XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Experian and XXXX Credit Bureaus must update the listed account from my file. 

XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.

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 2023-06-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, DPT EDXXXX : # XXXX, XXXX XXXX : # XXXX, DPT ED/XXXX  : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX  : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX # 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 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 non-monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: NY
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 did not authorize nor consent to the following accounts being furnished on my consumer reports. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe to have been a victim of identity theft and it may be due to data breach and now my credit is suffering tremendously because of it. It has completely devastated my near perfect credit rating and now I can not purchase a home as planned. Please help in this matter to get these erroneous accounts removed off my report in a timely manner.

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 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a long-time customer of Capital One. I have two cards and both are on auto-pay. To my knowledge, I have continued to make regular month-to-month payments to Capital One on two credit cards for many years. These cards are linked automatically to my bank account, so the payment is automatically made. Sometimes, I go into my account to discover that the auto-pay has been deactivated as a result of no fault of mine. Because of this, my XXXX XXXX XXXX is deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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  XXXX account number XXXX, XXXX  XXXX XXXX account number XXXX, XXXX XXXX XXXX account number 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 non-monetary relief
Consumer complaint received 2023-10-30
Company: Atlanticus Services Corporation
State: OH
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 to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: AES/PHEAA
State: CO
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:
On my credit report it shows that I've missed payments to one of my lenders AES/NAVIENT and that my balance has went up, presumably from missing payments, interest, and possible penalties, though student loan payments are suspended until XX/XX/2022. AES/NAVIENT has never mailed me a statement, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Rocket Mortgage, LLC
State: LA
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 have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please remove this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
I reviewed my Consumer Reports and noticed that there is 1 inaccurate account on my credit report ACCOUNT NAME : XXXX XXXX XXXX # XXXX Date account opened - XXXX XXXX XXXX Month that was reported late. XX/XX/XXXX XXXX There was never a late payment, I have always paid on time Consumer Reporting Agencies- ( in this case Experian ) have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Experian and asked for them to investigate & remove the inaccurate account ( ACCOUNT NAME : XXXX XXXX XXXX # XXXX ) from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: NY
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:
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.

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 2022-11-14
Company: EQUIFAX, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 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 Anv 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. 16815-2 ( A ) ( 1 ) A person shall not furnish an information relatina to a consumer to anv consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Self Financial Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The original problem began on XXXX when I tried to submit my payment the company decline my payment multiple times and told me it was my bank I called my bank and they said it was them I tried to make the payment again with ach info and the payment finally went through later on XXXX The company sent me and adverse notice after having my account open for about two years & stated they closed my account because they could not verify my identity. Ive alway kept my information up to date and they havent requested any information from me. I reach out to them then they changed the department to the fraud department claiming Ive committed fraud theres no one I speak To in reference to this and Im concerned my information may be at risk because Ive never done anything fraudulent in the account all payments are under my information with funds that clear. in the email response they state the decision is final which will ruin my credit score having the acct history removed ( for I made all my payments on time under the the account ) i feel this is unfair and if theres something going on with my Personal information I should have the right to know since its going to impact my personal credit. I would like my account back open with no damages done to my credit profile in reference to this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Their investigation did not fix an error on your report

Complaint:
There is a collection from XXXX  on my credit report. I have been disputing this collection for MONTHS. Continuously telling the bureaus that I have not done business with this company, continuously asking them to validate the debt and nothing ever happens except them saying " verified ''. This thing has so many issues. They acknowledge my dispute with no proof of validation which is completely against the law, the current balance is lower than the high balance, it says date of last activity for transunion was XX/XX/XXXX but how? Date of last activity for XXXX says XXXX. I don't even know who these people are. My rights have been violated and my credit file is suffering. I have been denied credit due to this. I didn't want to go as far as hiring an attorney but if this is not removed within 30 days I will be hiring a attorney to represent me in court. 
This complaint serves as the final demand for proof of validation. While this is being disputed I also demand removal from my report & cease of collection.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these accounts several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. I contacted the banks and talked to their staff. I explained my situation and they agreed to remove the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX, XXXX OF XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19
Company: SUNTRUST BANKS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that SunTrust Visa ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, SunTrust Visa never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the SunTrust credit card collections department with no success. SunTrust has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on SunTrust 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with SunTrust. I do not understand why SunTrust would allow my credit scores to be so badly damaged by a single oversight.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX please 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