BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, but they have listed multiple addresses that I have never lived at, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX, and XXXX XXXX XXXX XXXX XXXX, GU XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, 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 2022-11-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquires aren't correct, and I would like for them to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage acount with XXXX is not being reported to Experian due to an " internal credit agency policy ''. According to XXXX, the data is accurately reported to Experian. According to Experian, the data is not being accurately sent by XXXX. 

This same account shows up accurately on all other credit agencies.

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 2022-03-31
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:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-03-24
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Rewards program gift cards were sent by XXXX but not delivered due to damaged package. Contacted the company noting the information provided by XXXX but was denied because the gift cards had been used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01
Company: Equidata, 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:
XXXX XXXX XXXX XXXX reported an item that was against my fcra violation removed and put back on that was paid in full. my driver license was stolen not aware of the charges to the best of my knowledge XXXX violation XXXX XXXX XXXX XXXX XXXX harassed and threating me suiting me threating me see attach documents

Company response to consumer: Untimely response
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had previously set up a user name and password with experian.com. We set that up so that I could freeze my account after being notified of a breech. 
Today, we wanted to unfreeze my account so a mortgage lender could get a report. I used my same user name and password ( I keep this on an XXXX spreadsheet ) but it said that it was the wrong password or user name. I chose the option to reset password. To do this, I needed to put in my birthday and social security number. I absolutely know those XXXX pieces of information but it said " wrong information. '' I tried several times and then tried to " reset another way '' at which time it asked me who my favorite teacher was. I never had a favorite teacher so I would not have chosen that question. 
I tried to call experican to get help getting into my account. There are no representatives regardless of which option is chosen. I tried several numbers listed on the internet with no luck- all go to the same recording.. 
I need to get a call from technical support from experian to be able to log into my account. Can you help with this? 
Thanks

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 2022-12-19
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:
FCRA Violation: credit card not mine
XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: Student loans never late
DEPT OF ED / XXXX
DEPT OF ED / XXXX

FCRA Violation: students loan not mine
US DEPARTMENT OF EDU
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
XXXX XXXX

FCRA Violation:  collections not mine
XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: United Group Inc.
State: OR
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:
The car was auctioned for {XXXX} we Only owed XXXX dollars The finance company is lying about the amount they received in the amounts that we

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Called twice today XX/XX/21. And the first time I received the same Rep as I get at XXXX XXXX, none to say she was no help and neither was the next one. Neither one could explain the drastic uptick in the amount they are charging me in my minimum payment and why it's stated as interest. 
And also I would like to know why I could not use my card this month when I had available credit. And NO XXXX either. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX my bill was due for XXXX dollars I paid the one half and tried to settle a agreement promising to pay the other half plus the next month due with the lender on multiple occasions. And they would not assist me. I was severely impacted by Covid-19. After I explained to them I had a temporary loss of income due to employer cutting back hours and me XXXX XXXX XXXX XXXX XXXXXXXX they gave me this late payment. And now I can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Two of the debts on my credit report are inaccurate. The XXXX XXXX is not mine and the XXXX XXXX have no basis for reported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: RI
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 and XXXX a FTC identity theft report along with : proof if identity, 2 proof of address, a pending XXXX police report and a letter to each stating that my ex partner ( mother of my son, whom i shared a home with for 6 years ), used my information to open credit cards and loans under my name. she has since left the home and i do not know about her whereabouts. 

Experian replied that the police report was missing an officer name and badge number, XXXX police has sent me the final police report which has that information. they said the FTC report needs detailed info about the theft. it is included : accounts, dates, amounts etc. i have even sent extra proof of address to them. 

XXXX replied back with a affidavit form that i have signed and notarized and have also sent back to them with proof of identity, and proof of address and the final police report. 

i have notified every company reporting these fraudulent account and not even them have given me the hard time that experian and transunion are giving me. 

i have complied with every piece of information they have asked from me and the continue to report these accounts on my credit report. i am a songle father to a XXXX XXXX XXXX XXXX son. im having a hard time financing things that he and i need because of these two credit bureaus. attached is every single document sent to them and their reply. 
XXXX Account Number : XXXX {$4000.00} XXXX XXXX  Account Number : XXXX {$2000.00} XXXX Account Number : XXXX {$5200.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$27000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Everest Receivable Services Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a request for information for an alleged debt Everest Receivable is attempting to collect allegedly owed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX   WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I applied for financing with only TWO finance companies. XXXX XXXX as well as XXXX XXXX. When applying i made very clear I ONLY AUTHORIZE THE MENTIONED FINANCE COMPANIES TO RUN MY REPORT. When lookin back there are multiple reported inquiries. I contacted credit bureau and was advised to call dealerships. I called XXXX and was advised they only ran through their private financing ; XXXX XXXX. I also contacted XXXX XXXX who also advised they followed instruction and only ran through XXXX. So i contacted bureau back to advise response and confirm fraudulent inquiries during that time and they state despite me confirming fraud i do not have a right to dispute because i authorized the two mentioned companies to run which is inaccurate and against the Fair Reporting Act as I NEVER AUTHORIZED ANY OTHER INQUIRIES!!

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 2023-09-28
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted multiple disputes and an FTC report for a fraudulent credit card account and hard inquiries reporting to my credit. They have not been deleted. 

Account : XXXX - XXXX Card {$2300.00} XXXX - XXXX Card {$2300.00} Experian - XXXX XXXX  {$2300.00} Inquiries : XXXX - XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-02-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FCRA, this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In approximately XX/XX/XXXX a medical bill for {$570.00} was sent to collections care of the CBE group. Between XX/XX/XXXX and XX/XX/XXXX that collection was removed and a new collection was added of the same amount labeled as being from CBE group former. 
This is re aging and it's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NC
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 multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Open Date XXXX XXXXAccount number XXXX account name- XXXX XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX These account is reporting error and have not been properly verified which this matter is a violation of my FCRA 605B ( 15 U.S.C. 1681c-2 ) I also have loan closed Student loan accounts that are reporting closed with a owed balance which is also a error and I have sent in dispute letter twice now which no update and validation so please verify all closed student loan accounts there should be no closed account with a balance on it. This is inaccurate reporting therefore please remove these accounts off my credit report and update it due to my FRCA Rights.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 items 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 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

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