BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: MS
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
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: Information belongs to someone else

Complaint:
This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$4800.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$820.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX : {$4800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2020-01-08
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: Account status incorrect

Complaint:
XXXX XXXX XXXX continues to report inaccurate information on my credit report account is being reported 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 explanation
Consumer complaint received 2020-12-14
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:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2018-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfield INC added a collection to my credit report that is not mine. They have been asked to verify ownership and can not or will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: LTD Financial Services, L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had 2 credit cards with The XXXX XXXX XXXX, one was charged off and I paid it off immediately. The other credit card I had with The XXXX XXXX XXXX I paid it off closed it myself. This collection agency LTD ACQUISITIONS LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX has no claim against me and can not continue to put false information on my credit reports. They must be forced to prove exactly where they are getting their information. I do not owe The XXXX XXXX XXXX any money and if I did I have plenty of resources to pay them off immediately. I am about to purchase a house and this is a hardship to me. I have disputed this countless times, I have also tried to call LTD Acquisitions and no one ever answers the phone. I don't know what else to do to get their attention so they can address this matter and correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
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:
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.

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 non-monetary relief
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: NV
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:
I XXXX XXXX recently reviewed my credit report and I found unauthorized number wrong accounts listed on records etc will be attached in files

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 2023-10-09
Company: CITIBANK, N.A.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute this debt a couple of times with expirian and they keep the same status when they didnt investigate it. This macys account on my expirian 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 2021-08-30
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: Investigation took more than 30 days

Complaint:
I sent in dispute that has been more than 30 days. I have not received any notice or response regarding my dispute.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. 

As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXX, XXXX. After sending my information to the credit bureaus on the XXXX of 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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing this bankruptcy # XXXX since 2021 I sent numerous disputes and they still have not removed it off my credit report. This bankruptcy does not belong to me and this bankruptcy is not in my name. My name is XXXX XXXX and the bankruptcy is under the name XXXX XXXX which is proof it doesn't belong to me. XXXX and XXXX have removed this bankruptcy off my credit and Transunion is suppose to remove it as well. It is fraudlent and Transunion is violating my rights under the fair credit act code 15 USC 1692 a ( 4 ) and I want them to remove it immediately.

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 2021-08-30
Company: TD BANK US HOLDING COMPANY
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 have these accouts that are not mine and i want them to be removed. 

1. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft TD XXXX/RAYMOUR & FLA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 have 5 unknown inquiries on my credit report. I have filed with each of the companies and expressed the fraud concern. They have not been removed from my credit report through all 3 bureaus. Investigations pending and being asked to report to FTC.gov for further proof / documentation. 

XXXX XXXX - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX via XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
We purchased Tesla model XXXX XXXX XXXX XXXX We paid XXXX XXXX down, traded one car and took a loan of {$45000.00}. The contract was between me, my wife and Tesla motors Inc. The contract specifies terms of loan and when the payment starts. It does not mention any 3rd party that will service this loan. Till date there is no communication from Tesla that our auto loan will be serviced by 3rd party and who is that 3rd party. Since we paid 50 % down Tesla had my bank information and we were told that we will have auto pay for the loan. 

Last week when checking my XXXX XXXX I realized that around XX/XX/XXXX my score is severely impacted. I could not find any details, so I logged into XXXX and found that XXXX XXXX XXXX has put charges on me as I was 90day past due on auto loan. Then I searched for communication from XXXX XXXX and found an email from them in spam around XX/XX/XXXX saying that they will service our auto loan. It could have been any other bank and we would not know as Tesla did not tell us who will service the loan. We get tens of promotional emails from XXXX XXXX every month and it goes in spam. My wife also did not receive any email from Tesla motors on 3rd party loan service or from XXXX XXXX that our loan was going delinquent. 

I called XXXX XXXX on XX/XX/XXXX and they told me that my loan contract is cancelled in XX/XX/XXXX when we were 90 day late and I have to pay the full loan amount of {$45000.00} + pay off amounts. Then I checked my email around XXXX XXXX to check whether XXXX XXXX sent me any delinquency notice before cancelling my loan. There was no email from XXXX XXXX during that period. They have not send me any email since then. 

Similarly Tesla has not communicated till date that XXXX XXXX will service our loan. 
How do we know that XXXX XXXX is legitimate. If I pay them {$45000.00}, and tomorrow some other bank comes and say that I owe them money then what will I do. 

This is gross communication negligence that has impacted my credit score and will impact me financially. Paying the loan was not an issue, but we need clear communication from Tesla as to who will service the loan so that we can keep an eye for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against NAVY FCU because they are attempting to collect a debt that I do not owe them. Account Name : NAVY FCU, Account Number : XXXX, XXXX I would like for NAVY FCU to show proof of verification that I owe them {$42000.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX, XXXX/ XXXX , XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 

15 U.S.C 1681 Section 602A. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Westlake Services, LLC
State: GA
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:
Begining of XXXX there was an auto loan that i didnt make on my account. I disputed it multiple times with credit agencies, all three of them. they keep verifying it as accurate. It is not my account, i've explained. 

XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, CA 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 2023-05-24
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 information incorrect

Complaint:
From : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX SSN : XXXX DOB : XX/XX/XXXX To : Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian I noticed the following issues with these accounts on my credit report : Account Name : XXXX : Account number XXXX XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 

Account Name : XXXX XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks. 
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