BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$300.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$770.00} XXXX   XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX  XXXX {$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 explanation
Consumer complaint received 2018-11-03
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft so i'm reporting this to clear my name.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I submitted two complaints to XXXX XXXX XXXX and trans union LLC. 

My transunion credit report is showing inaccurate information, it says I have a payment over thirty days late in XXXX of XXXX. This was the response I received from XXXX. 

In their complaint, XXXX XXXX XXXX states a credit bureau is showing a late payment for her XXXX XXXX XXXX ( XXXX ) account in XXXX. XXXX XXXX requests the late payment be removed from her credit report. While XXXX is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to the accuracy of the credit reporting for her accounts. XXXX has reviewed the account of XXXX XXXX and believes the reporting is accurate. XXXX has reviewed the credit reporting for XXXX XXXX account with XXXX, XXXX and TransUnion, none of which are reflecting any late payments on the credit reporting for her account. Should XXXX XXXX have a credit report from one of these credit bureaus showing otherwise, she may provide a copy to XXXX, who will then re-open their investigation However transunion investigation on XX/XX/XXXX came back with something totally different. They said I have a late payment which is inaccurate I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: NC
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:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information.

15 U.S.C. 1681c2 : A states that all items identified by the consumer should be blocked and removed within 4 days.

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 2022-07-25
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 acXXXX 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 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have requested a Signed contract between me and the so called merchants from XXXX, XXXX, Capitol One, XXXX XXXX XXXX and XXXX XXXX 
I have been physically XXXX since XX/XX/2013, I have not worked and I have been on XXXX XXXX since. I do not have the resources to apply for a credit card. I just found a program that helps XXXX purchase used vehicles and because of this fraud under my social security number, I am having a very difficuIt time. I have my XXXX XXXX letter and timeline of Social Security as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2022-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXXXXXX 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 XXXXXXXX 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 explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Somehow Someone opened an online account with XXXX and XXXX at this point my identity was used to do so.

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 2022-07-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Somehow Someone opened an online account with XXXX and Equifax at this point my identity was used to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
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: Information belongs to someone else

Complaint:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : 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 ( account showing multiple times on my  credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( account showing duplicate on my credit report 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 2023-03-13
Company: Bread Financial Holdings, Inc.
State: NH
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 pay all of my credit cards electronically. They will not accept an electronic payment. Initially this bank " lost '' two different checks for payments. When my first check was late. I verbally requested that my reward points be transferred to my balance and received a payoff number which was then sent via a second check. When this second check was " lost '' In XXXX I opened a dispute with this bank over lost rewards which turned out to be forfeited. The second check was later returned to me with a letter stating that they could not match my name, address and last four numbers of account to me. Since then they have answered better business complaint that they will answer me within 30 days which is up today. Original dispute was to be answered in 90 days with no reporting to credit bureaus. Then they reported me as 90 days delinquent which removed my exceptional credit rating. I filed a dispute with XXXX and it was closed by reporting me as 30 days delinquent instead of 90. A few days later changed to 60 days,. I have a running history of conversations from their online messaging system which I copied and attached here along with the current notes from phone conversations with supervisors at the bank. The delinquency was removed on XXXX and shown zero balance and closed. On XX/XX/10 a {$97.00} balance was placed back on my account at the credit bureaus. I was told by a supervisor today that I would be reported as delinquent again if it wasn't paid on time. Please see attached document which started after no success speaking with them over phone. Please See attached document.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MO
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 am writing to express my serious concern and frustration regarding the multiple, unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are negatively affecting my credit profile and financial well-being. 


There are inquiries and inaccurate addresses listed on my credit report that I believe are the result of identity theft or fraud. These items do not belong to me, and their presence is unjustly damaging my credit score. 
I have diligently followed the established procedures for disputing inaccuracies in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided detailed explanations, supporting documentation, and evidence to substantiate my claims of fraud. 

My previous dispute letters and supporting documents have received little to no response, leaving me unsure of the progress or status of my disputes. 
The delay in resolving these fraudulent items has caused significant financial distress and limited my ability to access fair credit and financial opportunities. 

The presence of these fraudulent items continues to damage my credit score, making it difficult for me to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting and am committed to working with your credit bureau to ensure the integrity of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me deeply frustrated and anxious. 

I kindly request that your credit bureau conducts a thorough and immediate investigation into the fraudulent items I have reported and takes swift action to remove them. I also request regular updates on the status of my disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my earnest attempts to rectify these fraudulent items. I am asking for your immediate assistance to remove the fraudulent items in my credit report : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Company: Experian Information Solutions Inc.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX 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 2018-11-03
Company: Investment Retrievers, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was threatened to be sued. I was mistreated and harassed with several phone calls. Theyve been stalking me on social media sites. And they are attempting to collect a debt in a state other than where I signed for the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ) .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. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX 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 2022-08-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I can't believe my last request you claim that you didn't understand. 
So let me be very, very clear! 

Please remove the following address from my credit report as I have not ever at any point in my life lived at those listed address! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These do not belong to me or have ever belong to me!

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 2018-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Plaintiff 's / Bank law firm was approached with shortsale offer of $ XXXX, Defendant 's representative and lawyers sent in a complete application with a fully signed contract to the mortgagor XXXX XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX XXXX. However, a week prior to the auction, without any counter offer or response on the shortsale amount, the borrower 's attorney received an email stating the offer would not be considered because it was submitted less than 37 days prior to the auction sale. 

Two days before the auction, the Borrowers attorney sent another request to consider the shortsale offer and Plaintiff 's firm advised to send in the offer. The fully exectuted contract, proof of funds, and offer letter was sent to the representative who did not review or in the opinion of counsel send to the Bank. 

Attorney for Borrowers called the Bank and spoke at length with a representative and a supervisor about the offer. The two men said that the law firm had complete discretion in stopping the auction and submit our offer for processing. The men asked me to go to them. Borrowers attorney again contacted the law firm and they said that the servicing guidelines prevent them from accepting or considering our offer. The two parties had no idea what the other was doing even though I communicated the issue, no effort was made to coordinate a response and consider a substantial offer. 

The property was then auction and sold to the same buyer that Borrowers brought to the Bank and law firm. The Bank or law firm 's representatives were fully aware of this buyer and yet accepted a lower offer of $ XXXX. 

The Plaintiff law firm acted unfairly and in violation of the fiduciary duties it has to the Bank and Borrowers to accept the highest offer and rejecting to process the shorsale at the higher contracted offer amount then selling the property for over {$15000.00} less to the same buyer sellers entered into contract with. 

The Bank supports this bad faith conduct by not investigating and demanding that a shortsale be processed with the buyer at the higher amount. 

Additionally, the bank did not have the note and mortgage before they started the foreclosure because the note and mortgage was transferred to XXXX. XXXX  did not transfer the note and mortgage back to the Plaintiff until 2015 when the Plaintiff was set to assign the note / mortgage to a new creditor.

Company response to consumer: Closed with explanation