BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: AZ
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:
After submitting multiple disputes to the credit bureaus asking them to validate the details, they informed me that all the details have been verified. However, I am skeptical if a proper investigation was conducted in accordance with the FCRA 15 USC 1681, which requires all reported information to be 100 % accurate or deleted. I have highlighted the code as follows : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; To support my claim, I have obtained my credit reports from all three bureaus and attached photos highlighting inconsistencies. These include incorrect last dates updated, unmatched balances, and inaccurate payment history. This is a clear violation of the law as all the reports show inaccurate information but are still listed on my report. Additionally, proof of dispute is in the comments of the photos attached. The XXXX XXXX XXXX account ( XXXX ) is the subject of these discrepancies.

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 2023-04-13
Company: Experian Information Solutions Inc.
State: AL
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:
The credit bureau violated my privacy rights and allowed erroneous inquires to be reported on my credit file at the credit bureau without my permission!! According to 15 U.S.C. 1681, 15 U.S.C. 1681 i ( a ), 15 U.S.C. 1681 Sec. 602 A and 15 U.S.C. 1681 A Sec. 2, I have the right to privacy and these Federal Laws state that a consumer reporting agency can not furnish any account without my written permission and I HAVE NOT given this credit bureau permission to furnish this information on my credit report. They have violated my credit reporting rights. And, furthermore, 15 U.S.C. 1681 s - 2 ( A ) ( 1 ) ( f ) states a person should 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, which it is.

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 2023-04-13
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: Account information incorrect

Complaint:
I have business account with XXXX and Experian after 7 years of being open, they decided to give my business a credit score using my personal credit score. The problem is the personal credit score is WRONG. EXPERIAN knowingly replace my credit report with some made up information. I have one physical copy of my credit report and I also have a copy of the credit report they presented to XXXX which produced a low 500 score. I also have XXXX XXXX XXXX XXXX and they using transunion. After contacting transunion, they decided to dispute all accounts on behalf which was 3 that was giving me a negative score. Including a balance of XXXX that pop up on my credit with XXXX XXXX, that no one knows where it came from. XXXX, says not theirs and they can't even see the balance. 
XXXX XXXX says they didn't do it and don't know why its their. Yet, its still their. I'm finding XXXX has me down for XXXX score. Why, I have no ideal, but I haven't added any other accounts to my XXXX XXXX. I know I shouldn't be in no 5 or 6 anything. I'm sending my screenshots as 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 2023-04-13
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:
Experian had been reported and inaccurate birthdate as XXXX  thats not completed information in addition XXXX, XXXX, XXXX, XXXX have been reporting inaccurate information which has had an negative impact on my credit in addition to unauthorized inquiries from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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 information incorrect

Complaint:
XXXX : US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/XXXX NOT Authorized! 

Equifax : XXXX  XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
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 with information that doesnt belong to me and was not done by me under fraud. A 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. 

Thank you for your time, 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 2023-04-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The same responds every time I file a complaint with your company the credit bureaus have ample time to make corrections to my credit report it has been years not days I will hand this over to an attorney since I still have not gotten a resolution to the issues raised with your company and the three credit bureaus I will be filing a law suit against your company and all three credit bureaus on this matter I have been unfairly treated and denied my right to fair credit far to long. I am not a profit margin for companies nor the credit bureaus I am a human asking for fair credit reporting and my rights for fairly respected and honored

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 2023-04-13
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:
On XX/XX/2023 I sent EXPERIAN through their online portal n FTC Identity Theft Report No # XXXX listing the fraudulent accounts and hard inquiries along with proof of my identity, proof of my address, and a second notice written letter stating that the accounts they've re-inserted in my credit report must be properly verified. 

EXPERIAN concluded their " investigation '' on the fraudulent accounts and determined that the accounts will remain to report in my credit without proper validation, the reporting agency never sent me the original instrument of indebtedness so nothing has been lawfully verified. 

I've called EXPERIAN multiple times since XX/XX/2023 without being able to remedy the injury they have caused me. They've been ignoring my claims and have not deleted the accounts, inquiries, and addresses that I've told them are a result of Identity theft. They've claimed to conduct investigations without any further explanation on how they verify or conclude those accounts/inquiries and addresses are mine. The actions of EXPERIAN are causing injury to my reputation and ability to do commerce and can not be approved for credit. My rights have been continuously violated by EXPERIAN representatives who say they follow their " policies '' without any regard for the law as mandated by Congress. This is all damaging my mental health and causing me hardship.

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 2023-04-13
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: Old information reappears or never goes away

Complaint:
I have send letter asking the credit agencies to update my information several time now but no respond.

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 2023-04-13
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: Information belongs to someone else

Complaint:
My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. I've tried to fix the problem with the credit reporting agencies by letting them know the information that was inaccurate in my credit report. THEY HAVE BEEN NO HELP. I WANT THIS PROBLEM FIXED. I WANT THE INACCURATE INFORMATION REMOVED FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: NV
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 settled my account XXXX XXXX XXXX XXXX XXXXXXXX account with XXXX XXXX XXXX On XX/XX/XXXX  with the understanding that account will be deleted from my credit report. I have tried to do this with the bureaus but they just don't do anything

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 2023-04-13
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I got a collection warning from Nordstrom card services today. Ive already had to file once that I am going through a financial hardship and needed assistance but they werent wanting to provide a way to message or email at the time. And now theyre asking me to call but weve already been through this issue before and I feel like this wasnt handled correctly.

They werent offering any payment plans before but now I guess they are? This would have been great months ago as an offer instead of my credit score tanking because I cant afford the payments right now which I let them know about. Theyre demanding a payment by the XXXX in the letter and I didnt get it until the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Their investigation did not fix an error on your report

Complaint:
I have tried numerous times to have this account updated correctly to reflect accurate payment information and balance. At this time the credit reporting agency refuses to follow the FCRA laws in making sure that this account is reporting accurately. I have become so frustrated with the blatant breaking of the law and violating of my rights that I voluntarily have given the car back to stop the inaccurate reporting of payments balance to my credit report. The credit reporting agency has shown callous disregard for any laws regarding consumers and their credit reports. I have attached the snippet of my credit report that I had pulled today that clearly shows the violation of the FCRA. I have disputed this account 6 times with them and complained to the FTC and yet the credit bureau refuses to comply to the law. Account : XXXX XXXX Account 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 2023-04-13
Company: Miller Investment Group, Inc DBA AutoNow
State: KS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Misleading contract on XX/XX/2023 with myself the true creditor, and the debtor MILLER INVESTMENT AUTO GROUP , INC. dba AUTO NOW although I act on full faith and credit, I was coerced into a vehicle that I did not inquire about. Not only was the vehicle overpriced the interest rate was way above the average. Originally, I was told that {$200.00} down was acceptable then after they got a signature from me and took my social security number as collateral and put themselves in the fiduciary position, they did what was right for themselves. I had paid {$300.00} in store and a {$1000.00} trade-in. After the transaction I found out that the vehicle was worth nearly {$16000.00} less than the amount I agreed to pay. The total cash price turned out to be {$15000.00} with a full payment of {>= $1,000,000}. On XX/XX/2023 I sent by certified mail a full payoff receipt, affidavit of truth, conditional acceptance. The contract was also locked into a UCC statement with said Trust and payoff receipt. The company has violated several laws and regulations and refuses to respond via written correspondence as requested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: LA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: AMERICAN EXPRESS COMPANY
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 have attempted to handle this with AMEX several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND DOCUMENT with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 

XXXX. AMEX # XXXX XXXX. AMEX # XXXX XXXX. AMEX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: TRUIST FINANCIAL CORPORATION
State: OH
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 have no relationship with this company and did not authorize this inquiry.

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 2023-04-13
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:
I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

I sent another letter out on XX/XX/2023 to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However, again the credit bureaus said they completed the investigation and everything was 100 % accurate. 

Which is incorrect. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 

How did they complete this investigation? 

I sent another letter out on XX/XX/2023 to Experian, XXXX, and XXXX. Here is my tracking XXXX. 
I have requested the method of verification but I still haven't received a response. 

I even resent that letter out on XX/XX/2023 to Experian, XXXX, and XXXX. Here is my tracking XXXX. 
I once again requested the bureaus provide me with the methods of verification but once again I received no response.

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