BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: IL
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, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from 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 2018-02-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to all three credit bureaus in XXXX of XXXX  requesting an investigation of items listed on my credit reports, Equifax has never responded, XXXX is denying me my right to a full and thorough investigation by insinuating I am not myself after receiving proof of identity, and XXXX has never responded by mail with an updated credit report or results from items that I have requested an investigation be conducted on, it is now XXXX of XXXX over the time limit for the credit bureaus to respond I am now forced to file a complaint on all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
portfolio recovery keeps calling me about a debt i owe on credit card they say from over XXXX years ago.i came into some money and paid off everyone i owed if they weren't on my credit report at the time then they didnt get paid.i dont even know if its my account or not as far as i know its not but they call me from all different numbers its annoying and they need to stop calling me.they arent getting anything from me i explained this all ready and yet they continue to call my information was stolen not sure how long ago its hard for me to even do taxes because its a long process so for all i know its fraudulent account its over XXXX years ago i dont remember that long ago what i didnt have or i did have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-12-05
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:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

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
Consumer complaint received 2021-09-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am a victim of identity theft and I noticed residences reporting that don't belong to me with all three bureau 's to combat against the improper use of my credit report I sent each bureau a letter XX/XX/2021 and as of today only XXXX  has updated and corrected my information. Please see attached identity theft affidavit and letters that were sent which did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, the IRS sent my economic stimulus payment to an account that I closed at PNC bank. They never sent it back to the IRS but instead sent it to another account that is open that I dont use, knowing that it will never clear because it was not sent to that account from the beginning. Spoke with a lady XX/XX/2021 on the phone who couldnt tell me why it was still there trying to be deposited into an account it wasnt intended for. She tells me it hasnt posted yet ... I said its not going to post because its not the right account. Just a mess. Now, I have been sitting in my car at this PNC on XXXX XXXX. since XXXX waiting for someone to tell me why? Its XXXX and still no answer. Its XXXX and I am leaving with my money. No explanation as to why it was there in the first place. Lady was really nice though and thanked me for being patience with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 2022-12-20
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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXXXXXX 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
Consumer complaint received 2023-07-08
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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-03-01
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: Personal information incorrect

Complaint:
Date : XX/XX/XXXX2023 Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to update /correct the personal information on my file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only employer is XXXX XXXXXXXX XXXX 
I do not wish to have any telephone numbers listed on my report. 
Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX GA

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 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Transunion credit reporting agency due to unauthorized " Hard Inquiries '' that are on my consumer credit report. Transunion told me that they " Investigated '' the dispute and " Verified '' the unautorized inquiries within 1 day and said that they are remaining on my consumer credit report despite the fact that I filed a police report stating that the inquries are unauthorized or the result of fraudulent activity.

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 2019-08-23
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been approved for a trial loan modification since XX/XX/2019 on my deceased brothers property that I am the owner of. 

I have made ALL of my monthly payments. I have to date STILL NOT RECEIVED my permanent loan modification. 

They said they mailed it in XX/XX/XXXX. I never received it. I called TWICE in XX/XX/XXXX. They said they would email me the paperwork, which both times NEVER came. They said they would XXXX XXXX the paperwork, it also NEVER came. 

Because of this, I still have NO PERMANENT MODIFICATION PAPERWORK. I am not going to continue calling them, because they promise, and fail to send the paperwork. Please help me get my permanent modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All addresses on my credit report are fraudulent.

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 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I've invested significant time attempting to close a fraudulent business account at Bank of America. Despite the bank acknowledging the fraud and promising closure, they've clung to the account for months. Shockingly, Bank of America appears to be pressuring additional information from us and other victims, a demand not mirrored by other banks in similar circumstances. This insistence raises concerns about whether BOA collaborates with hired fraudsters or exploits fraudulent accounts to potentially inflate legitimate BOA account numbers, thereby defrauding BOA investors. It's a deeply troubling business practice.

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 2021-10-21
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I have a hard inquiry from a Exeter Finance on XX/XX/2021 And I do not recognize it. Could you contact this company and get that removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have XXXX hard inquiries on my XXXX report and 6 hard inquiries XXXX report witch I affecting my credit score I have tried for a long time now to try to correct it but it was only overlooked properly. I have contacted the reporting agencies/ company/ banks in regards to the inquiries that Im not aware about I have also submitted police report and they refused to help me. I am not aware of the reporting inquiries but I am requesting that it gets removed from all three credit bureaus I did not authorize any use of my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: HYUNDAI CAPITAL AMERICA
State: TN
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:
On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. KiaMotors XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: SANTANDER HOLDINGS USA, 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 status incorrect

Complaint:
The information reported is inaccurate. It is hurting my credit and in turn, hurting my lifestyle. Please get the following hard inquires removed. 

XXXX XXXX inquiry date : XXXX phone : XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX? XXXX XXXX XXXX Inquiry date Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recieved a letter from Radius Global Solutions stating that we owe {$5400.00} but everything from our accident was paid through a lawsuit. When i contacted them they did not verify me or my husband by either DOB or SSN & they did not give me the mini XXXX statement. I tried explaining to them that all debts related to our accident were paid through a lawsuit & we would need validation of the debt. I was told to hold for a supervisor. when the supervisor finally came on the line i tried explaining to them the same info & they still did not do any verifications or mini XXXX but then told me they would need my husbands permission to speak to me. i advised them that in the state of TN they don't need the spouses permission to speak & she kept just saying i need his permission. I tried again to ask for validation & she again refused.

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 2021-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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:
Im following is a plant for numerous of reasons that company XXXX XXXX is reporting in an accurate phone number and address on my credit profile for the company. I send out this exact same letter to the company. XXXX. I was in the process of shopping for a car as I pulled my credit I have noticed that you charge Off this account on my credit and I have never received a XXXX form can you please go ahead and send that now. XXXX. To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Name XXXX XXXX XXXX  XXXX Account This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately XXXX XXXX XXXX  XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation