BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: VA
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:
Equifax has failed to delete files that are over 7 years aged and has failed to correct their report that shows 2 real estate mortgages. I have asked Equifax over a dozen times to delete XXXX XXXX XXXX as the account is closed. They show 2 open real estate mortgages, which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to TRANSUNION regarding accounts that is not mine and it has been more than 60 days and no response from them. TransUnion disregarded the law by not responding to consumers disputes.

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 2020-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian and XXXX  are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called XXXX spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from XXXX. I was told by Nel-net that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education

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 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted proof of Payment to the credit bureau showing that the account with XXXX XXXX XXXX was paid in full and should be removed. The company instead changed the status to charged off as bad debt which is incorrect. I submitted my paid receipt and I am also attaching it here for your records again. This account is not charged off it is paid in full.

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 2023-02-13
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 


I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed a total of 17 derogatory items that do not belong to me with XXXX, XXXX, and Transunion. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different spellings. The accounts are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX 11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: AL
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 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. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wrote a letter complaining about inaccurate and incomplete credit information in XX/XX/XXXX, and I have not received any response until XX/XX/XXXX. I have attached the letters that I have sent and the letter that I received from them together with the screenshots of the inaccuracies and errors on the report Here are the accounts in dispute for Transunion : 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
Consumer complaint received 2018-09-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had previously complained about the XXXX XXXX credit card with Complaint Id XXXX. That was resolved by XXXX XXXX. After that resolution I had requested XXXX 's customer department to close my credit card and asked if there was any balance and I was told that there was no balance pending. The customer service rep assured me that my credit card account will be closed and this happened sometime in XXXX. But few weeks after that sometime in XX/XX/2018 I received a statement that some amount was pending with the late charge. I called customer care and explained them about my earlier conversation but they were not willing to understand the situation. I told them I am ready to pay the balance but not the late fees but they refused. With XXXX kids to manage there are so many things to follow-up in life. I have many other credit cards and I have never faced any difficulties with them and my credit rating is very good. I want to close my credit card account with XXXX XXXX and pay the amount I owe. But I don't want to pay the late fees and interest charges. As per the statement from XXXX 's the purchase made was for {$27.00} and the fees and interest is {$240.00}. My account number is XXXX. Also upon payment of {$27.00} I want an email confirmation that my account has been closed. 


Kindly help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 non-monetary relief
Consumer complaint received 2023-07-10
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:
I called your department after I purchased a credit report with XXXX XXXX XXXX XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off and repossession my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and Repossession that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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 2021-02-19
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had applied for a loan modification to Fay Servicing due to the COVID pandemic. I had submitted all the required documentation as well as detailed explanation outlining my temporary financial situation. I kept calling on a weekly basis inquiring about the status of my loan modification application. Two days ago, XX/XX/21. I contacted Fay servicing again. They said that they mailed me a letter on XX/XX/21 which I have never received indication that my loan modification was denied and that I had 15 days to appeal their decision. I am going to file the appeal tomorrow. The property address is XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX NJXXXX. My Soc # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   {$18000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. Maybe even my dad since we have the same first and last name. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX XXXX, Experian, I am a victim of identity theft I never gave consent for consumer reporting please remove all reports on Credit file

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 2018-02-20
Company: Experian Information Solutions Inc.
State: FL
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:
During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX XXXX they denial my claim for hurricane issues.

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 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Purchased hand made pottery in XXXX on XX/XX/2022 and paid {$910.00} including shipping and insurance. The package was not delivered until XX/XX/XXXX when we were leaving on another trip. Since there was no external damage visible, we signed for the package and put it in the house. When we returned from our trip on XX/XX/XXXX, we unpacked the box and one item, a platter was broken. All other pieces were fine. We contacted the merchant in XXXX and sent pictures of the broken platter. They told us to take it to the US Postal Service and we did on XX/XX/XXXX. The US Postal Service reported the damage to the XXXX Postal Service. We received a letter from the US Postal Service requesting information to report back to the Italian Postal Service dated XX/XX/XXXX and we returned it promptly. We received a phone call from the XXXX Postal Service to say the damage was being reported to XXXX and on XX/XX/XXXX we received a document from the US Postal Service saying everything was processed and the refund would come from the merchant in XXXX. On XX/XX/XXXX we again contacted the merchant asking about our refund and they said that as of XX/XX/XXXX, the XXXX Postal Service had not been notified of a problem. I sent the merchant the paperwork from the US Postal Service and again requested a refund. When no refund was process, I disputed the portion of the charge for the broken platter- {$240.00}. Capital One accepted the dispute and after a few weeks said the dispute was resolved in favor of the merchant because we did not provide the requested information. I had sent a letter, an invoice, photos and all of the US Postal Service paperwork. I again submitted a dispute and sent even more detail and even though the US Postal Service still has the broken item, Capital One says the merchant is right and no further dispute may be processed. What good is a credit card company if they can not handle something as straight forward as a clearly documented broken item and a merchant stonewalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 was told by 4 different companies that the inquiry they were pulling would be a soft inquiry which were all done in this the last month yet each Company did a hard inquiry without my consent. There websites said that the inquiry would not affect my credit yet they are all on my credit report and have impacted my score substantially. I am furious and need this resolved.

Company response to consumer: Closed with explanation