BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and the other bureaus have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, and verified my identification etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge

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 2019-07-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.

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 2023-04-24
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX ; 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 explanation
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted trans union on XX/XX/2020 and again today XX/XX/2020 spoke with XXXX XXXX supervisor  in fraud department and special services. I call to dispute and remove this incorrect collection item remove from my credit file. This item does not belong to me. XXXX XXXX XXXX {$5800.00} Needs attention HIGH IMPACT XXXX XXXX stated to me I will not dispute this item and proceeded to ask and I quote " Do you have an account with another creditor XXXX XXXX. After XXXX XXXX ignored my request i stated my request for the second and third time this item does not belong to me. XXXX XXXX finally stated he would dispute item as not belonging to me with confirmation number XXXX.This creditor has not validated or provide me with these items I request any of the following : 1. Full accounting for this account. 2. Copy of the assignment of purchase from the creditor 3. Every charge and what was purchase, fee.payment, credit, interest 4. How you calculated what you claim I owe 5. ( Fields v. Wilber Law firm-Coppola v Arrow Financial Services ) 6.Full chain of assignments from charge off to present 7.Proof that you own the debt with full clear title 8.Proof that you were on the original contract

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 2023-07-21
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: Their investigation did not fix an error on your report

Complaint:
After sending a certified letter with other documentation showing the errors ( XXXX ) on my credit file, not getting a response in 30 days, having to contact the CFPB to hold them accountable, Experian sent me a letter and a new credit report stating the info was verified through XXXX. XXXX sent me a letter stating that there is no bankrupcy showing in my personal file. I call Experian and stated that they lied about the bankruptcys being verified through XXXX and the info needs to be deleted immediately. They refused to delete the information stating I needed to wait 30 day for them to investigate. I told them they already investigated and lied about it. Now I have to wait again 30 days to investigate the lie they told and they can continue to violate my rights to fair credit. I told them they have false and damaging information on my credit file and it needs to be deleted immediately, I also stated I need a new credit report showing the deletions. At this point the fact that they lied about the verification and refuse to remove the information, it is a violation of the Fair Credit Act and I am going too sue due to the amount of denile of credit I have been experiencing in the past year.

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 2017-12-04
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:
Experian has all these wrong address that do n't match up and a bunch of the same address as one. 
Experian just likes putting a lot of false wrong information on some one credit report so they can sell your information over and over. 

There is none of these address : XXXX XXXX XXXX XXXX XXXX -- -- -- -- wrong no such unit XXXX XXXX XXXX XXXX -- -- -- -- -- -- wrong not my address nor is there one. 
XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- - wrong same building not my address nor has it ever belong to me. 
XXXX east XXXX XXXX XXXX -- -- -- -- -- - wrong no apartment number not me My address is XXXX East XXXX XXXX XXXX XXXX XXXX Pa XXXX stop making up information I 'm reporting this to The FTC as well

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 2023-07-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-04-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX OH XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.

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 2020-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Mon, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX - {$670.00} XX/XX/XXXX XXXX XXXX - {$140.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$43.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - {$29.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - {$41.00} XXXX XXXX XXXX XXXX - {$40.00} XXXX XXXX XXXX XXXX - {$12.00} XXXX XXXX XXXX XXXX - {$21.00} XXXX XXXX XXXX XXXX - {$39.00} XXXX XXXX   XXXX XXXX - {$49.00}. 
They send me an email with the resolution of my dispute ( s ) above We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error.

You can still try to resolve this directly with the merchant ( s ). 
Transaction on XX/XX/XXXX, Im was in XXXX CA even they can see the withdrawal that I made and I didnt made it. 
The XXXX transactions are relatives to who had hacked me on my accounts adding that I was out of town when this transaction occurred. My device is no longer with me as well attached support documents such as my entry registration and the authorization of 07 days on the immigration form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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:
I have disputed inquiries on my credit report, however the companies and credit bureau continue to report these unauthorized 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 2018-03-24
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 


Federal Trade Commission # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Bridgecrest Acceptance Corporation
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:
Hello I am sending you this message in hopes you can assist me with a problem I am having with Bridge Crest regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX Bridge crest sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a XXXX late to the credit bureau. 

I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX Bridgecrest reported a XXXX late to my credit bureaus. 

I am in the middle of a real estate transaction and the XXXX late cause a XXXX drop in my XXXX XXXX. I called the Customer Service Department of Bridgecrest and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported 30 days late and it would not be removed. t be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment of {$350.00} this email did not ask for XXXX car payments The email dated XXXX XXXX XXXX cleary asked for XXXX payment to be made before XXXX XXXX XXXX to avoid a XXXX late. I made a complete car loan payoff before XXXX XXXX XXXX, why is a car payoff treated any differently with Bridgecrest. I completed a payoff before XXXX XXXX XXXX well before XXXX XXXX XXXX there should be no XXXX late period ... .. whether payment or payoff.. 

I want this corrected immediately as its only fair, based on the email I recived from Bridgecrest on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. I will take legal action against Bridgecrest if this is not corrected with all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: LA
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 my final attempt to resolve this " late payment '' allegation. 

1. The dealership verbally ( and wrote the original contract ( 3 revisions of record ) ) told me the loan amount would be paid before XXXXXXXX XXXX due date. WHY WOULD I PAY FOR FULL COVERAGE INSURUANCE ( see attached ) for a vehicle that I didn't own? The contract information was edited to financially benefit XXXX XXXX XXXX! 

2. The sales agent was terminated from XXXX XXXX XXXX after the sale of this vehicle, due to negligence. If they deny this, I hope CFPB does a full audit on all transactions of the dealership.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: IL
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: PA
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 request that you eliminate the erroneous late payment from my account.

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 2023-09-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-04-15
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My Name is XXXX XXXX, recently a few weeks ago on XX/XX/21 I lost my wallet containing my Vanilla prepaid debit card. I realized I lost my card that evening and promptly called customer service to order a replacement card. The customer service rep expedited me a new card and also informed me of a unauthorized transaction on my account. A XXXX store in Maryland for {$790.00}, I live in XXXX XXXX XXXX 3 states away over 200 miles away. I was told I should make a claim once the transaction posted to my account. I waited a few days and then did so. Claim # XXXX.Then approximately 2 weeks later I received an email stating my case was denied. I followed the customer service representative advice and waited a few days before filing a claim ( XXXX ) but I notified Vanilla the day I lost my card. ( XXXX ) .I thought I was protected under the 0 % liability agreement if I reported my lost card promptly. I reported my card lost within 10 hours after losing it. I have called on several occasions attempting to get an answer as to why my claim has been denied, and Vanilla has responded by saying they would send documentation showing why they denied my claim but I have not received any documentation. Will you please help me recover my funds. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed these charges as fraud and they are reporting this balance to the credit reporting companies and asking me pay on this every mi th claiming they are investigating but this has been since XXXX thr charges and they are moving very slow if not at all. There needs to be some resolution but they will not provide any when I call or write so here is a formal complaint to see if they will adhere to the consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX  Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Inquiry : 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