BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I see four hard inquiries on my credit report for which I'm unaware of those inquiries. 

1 : - XXXX  XXXX inquiry made on XX/XX/2022 2 : - XXXX inquiry made on XX/XX/2022 3 : - XXXX XXXX inquiry made on XX/XX/2022 4 : - XXXX XXXX inquiry made on XX/XX/2022 Please help in this regards

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 2021-04-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wallet was stolen several yrs ago in which I only replaced my ID and social but did not report it stolen. I replaced bank/credit card. I did not know that having those things stolen would affect my credit if I blocked my credit cards. I have reached out to all 3 credit bureaus numerous times as well as the creditors and no help with anything on my Experian report there are 3 items that are not mine which are : XX/XX/XXXX XXXX XXXX for {$2600.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX  for {$10000.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item for my XXXX  reporting there are 2 accounts that are reporting on my credit report that are not mine and 8 inquiries that are not mine which are : XXXX XXXX, XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item The inquiries are as followed : XXXX XXXX XXXX XXXX XXXX  XXXX tried contacting creditor disputed this item XXXX XXXX XXXX XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX  tried contacting creditor disputed this item for my XXXX report there are 2 accounts that are not mine and 8 inquiries that are not mine which are : XX/XX/XXXX XXXX XXXX XXXX for {$10000.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item The inquiries are as followed : XXXX XXXX, XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this itemXX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this itemXX/XX/XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item all of these things should be removed from my reports and blocked

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 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
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:
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.

has violated my rights. Or a list of inquiries : 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 2023-04-05
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: Information belongs to someone else

Complaint:
I spoke with some one from XXXX XXXX XXXX XXXX letting them know I never authorized nay card to be open in my name I asked XXXX if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with XXXX XXXX I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.

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 2019-12-10
Company: State Collection Service, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from, State Collection Services of XXXX, Wi. dated XXXX XXXX stating that a past due amount has been referred to their office. It also stated that I had 30 days to respond with a dispute of the debt. I mailed my response to them and requested documents which would validate the debt on XX/XX/2019. It was received by them and signed for on XX/XX/2019. I did not receive anything back from this company in the 30 days their are allowed by law to respond and instead they immediately contacted the credit reporting agencies and put the unverified, disputed debt on my credit report. I have certified receipts showing that I needed more information to validate these charges. They could not produce the documents I asked for and knowingly disregarded the fair credit reporting act and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-04-05
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: Was not notified of investigation status or results

Complaint:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2020-02-09
Company: Goal Structured Solutions, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Launch services took over another student loan I had with no notice, phone call or email. I pulled my credit report and was completely appalled that I had so many late payments. I called and they told me if I got caught up, they would remove them immediately. I just went to apply for a car, and they are all still there. 

I have sent letters after letters trying to investigate and validate the late payments and I am not receiving any replies. I know they have 30 days and they are not complying.

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 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 had a dispute with capital one XXXX XXXX XXXX billed on XX/XX/2022 for XXXX. They keep asking me to solve with XXXX XXXX instead help me and protect my rights. 

I do confirm the package was delivered to me by XXXX Tracking XXXX. 
However there was no merchandise inside the box, I only received an empty box. There were signs of the package was forcefully opened and nothing was inside the box upon my reception. 
Per the advice of XXXX XXXX, I contacted the police and Kiled a police report # XXXX. XXXX XXXX told me they will get back to me after 15 working days, however, no response was received. 
EMPTY BOX RECEIVED, NO MERCHANDISE WAS INSIDE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection.

Transunion also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me.

I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's

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 2023-04-08
Company: EQUIFAX, INC.
State: SC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: McCarthy, Burgess & Wolff, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTOR IS SKIP TRACING AND LEAVING ROBO CALLS TO SEVERAL CELL NO. IN ARKANSAS, A XXXX ACT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed in my card in XXXX XXXX. I was confused by the XXXX before I signed for the purchase. I attempted to go back to the business and was told they didnt know how to refund the error and they could just give me a credit. I was worried for safety and legitimacy of this, so I left thinking my bank will help me. Not sure why such a large charge was even allowed without stopping it and forcing me to verify. The claim started in XXXX and now in XXXX, the bank tells me they will not be approving the claim and that they will charge me this right before Christmas. This will clear my whole 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 2021-11-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, 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:
Trying to refinance our house due to financial struggles and 2 lenders could not open my credit report from EQUIFAX! 
I logged into my equifax.com account to see if I could see the problem, and clicked on, '' View my credit report '', which said credit statue unavailable, " BLOCKED FOR PROMOTIONAL PURPOSES!!! '' I am furious as they have no right to withhold lenders I give consent to to help us in this difficult time while mortgage rates are still low!! 
They MUST release and open my credit report or I will file a lawsuit for financial devastation due to their negligence to comply and take this RIDICULOUS block off my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter to Experian on XX/XX/ TRACKING # XXXX which they received XXXX. Under 15u.s code 1681c-2 a consumer reporting agency shall block the the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in violation of this law because i am a victim of identity theft. I provide a sign and notarized identify theft affidavit and they still failed to remove it or provide what steps they took to validate the accounts.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and to my surprise, I did not receive a response. When I pulled my report again, I noticed that there were no changes made. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. There were no notations added to my profile and the accounts state " not disputed ''. I demand that each dispute is re-opened, reinvestigated and deleted due to inaccuracies. I want complete copies of every action taken to resolve this matter.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for and secured ( followed a hard credit inquiry ) a Business Advantage Customized Cash Rewards card from Bank of America, as part of opening a business checking account with their bank. 

Before applying and opening the accounts, I asked multiple representatives whether or not specific vendors would be eligible under their rewards categories, and they confirmed that vendors ( specifically, XXXX, XXXX, XXXX, and XXXX ). 

After spending XXXX days tracking down the XXXX codes to determine which category to select ( after opening the account ), I learned that these services are not eligible. 

Unfortunately, beyond Bank of America 's misleading sales practices, applying for an opening the account involved a hard inquiry into my credit, negatively affecting my score. This had a direct impact on my immediate ability to secure more favorable lending terms, which I was happy to experience if the bank had been honest about its product, but it wasn't. 

I have asked Bank of America to honor its agreement and add the codes to one of its rewards categories, but it has, to date, refused. It has also, to date, refused to do anything to provide an alternative method to ameliorate the 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 non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested proof of verification from Transunion investigation. According to FCRA consumer reporting agencies are suppose to provide proof of how they verified accounts that are being reported. 15 USC 1681a I am within my rights to ensure accuracy and facts on my credit report, and the law states I can request proof of verification giving detailed information on how each account was verified

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 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX is improperly reporting negative items to my account, the account was a prepaid account in which I paid upfront and used fraudulently.

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 2023-10-27
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:
I looked at my credit reports and upon reviewing them I noticed negative information

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