BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a concerning issue regarding a late payment appearing on my credit report. The late payment is associated with my account at XXXX XXXXXXXX XXXX XXXX and the report number is XXXX. I have taken several steps to rectify this error, but the issue remains unresolved. 

I provided Experian with a letter from XXXX XXXXXXXX XXXX XXXX  clearly stating that the late payment was an error on their part and should be removed from my credit report. I also requested Experian to remove the late payment, attaching the letter from XXXX XXXX XXXXXXXX XXXX  as supporting evidence. However, despite these efforts, Experian did not remove the late payment from my credit report. 

Furthermore, I initiated a dispute with Experian regarding the late payment. However, Experian responded by verifying the late payment, despite the evidence I provided. This has left me deeply concerned about the accuracy and integrity of my credit report. 

I kindly request your intervention in this matter to ensure that my credit report is updated accurately. Attached to this letter, you will find copies of the letter from XXXX XXXX XXXX XXXX, my correspondence with Experian, and any other relevant supporting documentation. 

I urge you to investigate this issue thoroughly and take appropriate action to rectify the error on my credit report. It is essential that the inaccurate late payment entry is removed promptly, as it is negatively impacting my creditworthiness and financial standing. 

I appreciate your attention to this matter and your assistance in resolving this dispute. I look forward to a prompt resolution and the restoration of an accurate credit report. Please keep me informed of any progress or updates regarding this 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 2023-12-07
Company: Experian Information Solutions Inc.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to bring to your attention a matter regarding my account, which was transferred from XXXX XXXX  XXXX Truist Bank without my knowledge or consent. As a result of this transfer, I encountered a situation where my account payment was delayed, leading to a late payment on my Truist account. 

I trust that XXXX XXXX  and Truist Bank value their customers and take pride in providing exceptional service. I have always been a responsible account holder and strive to maintain a good credit history. It is disheartening to experience such a disruption in my financial affairs due to circumstances beyond my control. 


XXXX Account number : 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 2023-12-07
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: Reporting company used your report improperly

Complaint:
I am writing this formal complaint against Experian for apparent violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically related to privacy and confidentiality as outlined in 15 USC 1681. 

I initially contacted Experian regarding the following accounts, requesting a reinvestigation into their reporting accuracy : XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX My initial communication was sent to Experian on XX/XX/2023, and I have yet to receive a timely response as mandated by the FCRA. This lack of responsiveness not only represents a violation of federal law but also denies me the opportunity to review any supporting evidence demonstrating the accuracy of the reported accounts. 

I am particularly concerned about the potential damage to my creditworthiness resulting from Experian 's failure to comply with the FCRA 's provisions. As a consumer, I am entitled to the fair and accurate reporting of my credit information, and Experian 's actions have compromised my ability to verify the validity and precision of the accounts listed above. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take the necessary actions to ensure Experian 's compliance with the FCRA. Additionally, I urge the Bureau to compel Experian to provide me with a copy of any evidence supporting the accuracy of the reported accounts in a timely manner. 

Enclosed with this complaint, please find copies of my original communication to Experian, along with any relevant documentation supporting my claims. 

Thank you for your prompt attention to this matter, and I trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these violations and protect consumers ' rights.

Company response to consumer: In progress
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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 2023-12-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-07
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: Account information incorrect

Complaint:
Experian, XXXX, and XXXX are incorrectly reporting payment history for my mortgage with XXXX XXXX. The mortgage was paid in full. I have never been late with payments. I want this corrected because they have negatively impacted my credit. They reported late payments and dropped my score nearly XXXX points. Once the load was paid in full my score went up only XXXX points. The credit bureaus are purposely keeping scores low in order to help companies charge higher interest rates to consumers especially XXXX XXXX XXXX. The game is rigged. Its sickening and I plan to sue them.

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 2023-12-07
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: Reporting company used your report improperly

Complaint:
Family Educational Rights and Privacy Act ( FERPA ) Prohibits a company from sharing personal information without giving notice

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 2023-12-07
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has dropped my credit score by XXXX points as of XX/XX/2023. The reasoning stated for this is that my mortgage balance increased which if did not. Additionally, they are reporting a balance on a student loan with XXXX XXXX, which they are aware paid off because of the prior dispute in XXXX. in the XXXX incident, they listed the XXXX XXXX twice, listing it as separate account. 
In this instance and well as the prior, Experian is listing incorrect information. which the other reporting agencies do not. 
At this point it is my firm belief that their actions are intentional in an attempt to sell their monitoring services, as i have been offered these services as a solution following each incident.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX account # XXXX date opened is different from transunion then XXXX transunion date opened XX/XX/XXXX XXXX  date opened XX/XX/XXXX high credit amounts are different high credit different is from transunion then XXXX  transunion high credit is {$6500.00} XXXX high credit is {$0.00} date of last active are different trasunion last active is XXXX XXXX  last active is XX/XX/XXXX please delete account for multiply inaccuracies.

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 2023-12-07
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 status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: LA
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX 2017 I tried to use my credit care.it was denied. When I called to find out what happened, I was told that my account was past due. After searching for my statement. I looked in my completed files and my due files. I was told I owed XXXX dollars including late fees. I refused to pay the late fees due to my not receiving a statement. I was told the late fees would be wavered and I would only have to pay XXXX. Which I did. This payment was to include my XX/XX/XXXX payment. On XX/XX/XXXX I tried to use my card and again it was denied. When I called, I was again informed that my account was past due. After sitting on the phone for nearly 2 hours I was told the payment was XXXX. Upon further questioning, I was told that the XXXX that was supposed to waive was what put my account past due. I was told that I needed to pay the wavered amount and it would come off of my principle. That my cad would be suspended until I pay the previous past due of XXXX. Why should I pay for a waivered fee? With my account in past due status, I now have to pay a second past due fee. And hurt my credit. In XX/XX/XXXX when I questioned the agent about why I should have to pay for their mistakes I was informed that this is the way it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
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: 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, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI 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 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. Also, I demand that Experian shows proof that I gave my written consent for the accounts above to be reported if Experian can not do such I Demand these accounts be removed 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 explanation
Consumer complaint received 2023-08-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Amazon XXXX Synchrony card number XXXX XXXX XXXX XXXX I never received any bill, no online access to pay my bills yet I did pay it off in full. 
Moreover inaccurate info has been reported by the company to the 3 credit bureaus.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and I. I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through XXXX XXXX. The amount agreed upon was {$2000.00}. The payment was received by XXXX who then released the funds to XXXX. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my Transunion and my XXXX. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and XXXX the original creditor. I have now filed disputes with TransUnion & XXXX 3 separate times. The first two times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that XXXX XXXX stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX XXXX. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

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 2023-07-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
on XXXX, XXXX XX/XX/2022 I was approved for an American Express Business Checking account, that came with a sign-up bonus, providing certain requirements were met. 

EARN XXXX POINTS - after making an eligible deposit, maintaining a required balance, and making XXXX qualifying transactions. 

EARN AN ADDITIONAL XXXX POINTS after you meet all qualifying activities to earn both the Business Gold Card and Business Checking offers. 

I met the requirements before the advertised deadline, however, American Express refused to honour the terms of the agreement. They stated I did not complete the required XXXX qualifying transactions on the welcome offer. 

" You only completed XXXX out of XXXX qualifying transactions and this specific requirement needed to be completed by XX/XX/XXXX. '' On my account it showed that I made XXXX transactions with the description of " online transfer '' between XX/XX/XXXX and XX/XX/XXXX. Per Amex 's chat representative : " There was a returned Automated Clearing House ( ACH ) on your account on XX/XX/XXXX for {$2000.00}, and we do not count returns for a qualifying transactions. Stop payments and transactions that do not post to your account and do not appear in your Available Balance within sixty ( XXXX ) days of account opening are not qualifying transactions. '' However, the transaction in question was not a " stop payment '', and it was an electronic/online transaction that was posted to my account during the period in question. This specific type of transaction was not defined within the terms and conditions provided by American Express at the time of signup.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation