BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir/Madam, I have diligently contacted the credit bureaus regarding this matter, but unfortunately, my efforts have been in vain. Despite my attempts, the accounts in question have not been removed 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 explanation
Consumer complaint received 2024-01-25
Company: Carter-Young, 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:
I lived in a XXXXXXXX XXXX from XXXX XXXX XXXX. I lived in the unit with my sister and two other girls that I didnt previously know. My sister and moved out on XXXX XXXX because our lease ended on the XXXX. The two other girls left a lot of their personal belongings behind, including a vacuum, blankets, and all of their food in the fridge and the cabinets, and did NOT clean the common space we all shared, which was the kitchen and living room. My sister and I cleaned the kitchen floors and wiped the counters and cleaned out the section of the fridge we used. They hadnt been in the unit all summer, so we didnt know if they had officially moved out or not, but we also did not feel like it was our responsibility to clean up after them and discard of their items. We got move out statements in XXXX, and saw that we were being charged for cleaning and painting. The cleaning was due to our roommates items being left behind. The complex also said there was chipped paint, which is normal wear and tear. I sent a text message to the girls trying to figure out what was going on, but no one responded. Under Texas Law, landlords can not charge tenants for normal wear and tear, and chipped paint falls under that category. The pictures they sent do not show any severe damage, nor do they justify the charges. We didnt do anything to cause the paint to chip, thats what normally happens after time. The pictures they sent do not show any severe damage either. None of this is intentional or abnormal damage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-03-15
Company: Delta Management Associates, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been in default for the better part of 10 years. I started a program to try to bring my loans current in the spring of XXXX, I paid into the program for 10 months as this was what I agreed to do. I had to sign a 'contract ' to do this. I was told at the end of the 10 months my loans would then be in good standing once again and out of default. This was supposed to happen in XXXX of XXXX. I just found out in XXXX of XXXX that this program no longer existed and I was out of luck and apparently the money I paid into this no longer counted towards this goal. I paid all that money to bring my loan out of default, then they tell me the program is shut down? I was not even notified that this happened, I had to find this out on my own. Delta Management took all that money from me and none of it went towards my goal of getting my defaulted student loans out of default, like the program was promised to me. 

So I am still in default with nothing to show for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 inquiries 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 XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-06-21
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 XX/XX/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 2023-06-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2023-03-02
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX XXXX XXXXXXXX Date opened : XXXX, 2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXXM XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, 2022 Balance : - ; XXXX XXXXXXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXX Balance : -.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: KS
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 sent my letters out on XX/XX/2023 ( certified ). I told the credit bureaus to investigate every piece of information on the accounts I have listed below. I have attached the letters I sent and the tracking numbers. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is aquatinted or may have knowledge concerning any such items of information. 

They stated that they are unable to verify if the letters were being sent by me. However letters were sent certified. Every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA USC 1681 Everything must be 100 % accurate. 

Tracking numbers : XXXX, XXXX Accounts : XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, XXXX, Account # 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 2023-03-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-21
Company: Experian Information Solutions 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:
Hello, I recently reported a fraud alert for accounts that were opened fraudulently. My police report was updated as other accounts were found. 
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX. XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 or XXXX XXXX XXXX Account # 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.

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 2023-09-03
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My original complaint to you was ID XXXX. You helped because they finally sent me a check for {$8500.00} which is what they took out of my account. However, I also asked them for the following : 1. reimbursement for expenses - telephone XXXX since XX/XX/XXXX for calling them to try to resolve the situation 2. interest on my money I could not access because of their incompetence in sending me the balance in my checking account of {$18000.00} plus the {$8500.00} illegitimate check they deducted from my account after I told them it was illegitimate 3. compensation for the fact my monthly pension payments could not be made because they insisted on closing my account, told me I could open a new one in a few minutes which I could not do because I live in the XXXX XXXX which they knew at the beginning of the conversation. This resulted in a long delay of my getting my funds. On top of that once I had the check for XXXX and deposited it into my Citibank XXXX account it took seven weeks for it to clear. Because of the extenuating circumstances and despite the fact that I asked for the money to be transferred electronically I would have hoped Citibank US could have guaranteed the check they sent to Citibank XXXX so I could have immediate access to MY money. This was a total of {$26000.00} which I had saved to pay my XXXX XXXX taxes and the lawyer 's fees for my husband 's recent death. When they said they could only send a check it took two hours on the phone to get them to agree to send it by XXXX. And then I had to call them constantly because they did not send it in a timely fashion- took weeks. Subsequent to receiving that check I had to call to get them to send me the {$8500.00} which only happened when you contacted them. This created financial problems for me in the short term because I did not have access to the money I saved to pay my bills. 
4. It also caused me great anxiety not knowing when and if I would get my money, trying to open a new account and trying to rearrange my two pensions to be paid to me by other means.

5. The fraud dept sent me a form to fill out and return in 10 days. It took 18 days to get to me. I called immediately and told them I just received it and would send it back special delivery. A few days later they closed the case because my form wasn't returned in ten days. 

In addition, their letter ( see attached ) does not respond to all the points I outlined in my earlier letter to them which I had sent to you ( see attached ). 

I hope you will be able to help me again and ensure that Citibank behaves with integrity and pays me compensation and interest. To not do so compounds their negligence and gross misconduct. 

Thank you for your consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with XXXX XXXX. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : 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 2023-07-02
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXXXXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX account and a written response outlining the actions taken to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian, XXXX, and Experian alike all have different variations of my name, phone number, and home address reporting and updating consistently. Addresses I have never lived at, my last name spelled wrong, and phone numbers I do not own. 

I have tried to dispute this information online several times and there seems to always be at a peak time where maintenance is being handled. 

I disputed this information by mail in XX/XX/2022 and the incorrect information is now back on my reports.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues.

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 2023-07-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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