BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 formally dispute inaccurate information on my Experian credit report, as it has come to my attention that Experian has failed to address these concerns after my initial contact. I expect Experian to adhere to federal laws and regulations, specifically the Fair Credit Reporting Act ( FCRA ), and promptly verify the accuracy of the disputed accounts. I kindly request that Experian provide me with a written response detailing the actions taken to resolve this matter. 
On XX/XX/XXXX, I contacted Experian to report the following inaccuracies on my credit report : Account : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} ) The information reported states that this account was late, which is incorrect. I have never missed a payment on this account. Please correct/update this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$7900.00} ) Similar to the previous account, the information states that this account was late, which is not accurate. I have always maintained timely payments on this account. Please correct/update this inaccurate information on my credit report. 


Account : XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) The information for this account is also inaccurate. I acknowledge the original creditor as XXXX XXXXXXXX  XXXX, but I do not recognize the company listed as XXXX, as I do not have any contractual agreement with them. Additionally, the reported balance of {$1700.00} is not accurate ; I recall the balance being lower. Due to these inaccuracies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency. 


Account : XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ) This account displays inaccurate information. I am familiar with the original creditor, XXXX XXXXXXXX XXXX XXXXXXXX, but I do not have any agreement with the collection agency that Experian has reported. The balance of {$2200.00} reported by Experian is incorrect, as I believe it should be a lower amount. Furthermore, the reported balance exceeds the High Balance on the same account, which indicates an error in your reporting. Due to these discrepancies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 a letter on XX/XX/2022 to the three major credit bureaus XXXX, Transunion, and XXXX to remove personal information that I do not want on my credit report ( I am attaching the tracking information ). According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

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 2022-12-01
Company: EQUIFAX, INC.
State: DC
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 not authorized anyone to do credit check in my report and there have been about 18 inquiries that Im not aware of and someone is using my identity. I want to protect my identity please remove those inquiries as it was not me or I have not authorized anyone to look into my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: ARVEST BANK GROUP, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, The value of my home has increased substantially since we purchased 2 years ago. A nearly identical home across the street just sold for {$790000.00}. As of right now we owe {$520000.00}. That comes our to an equity value of more than 33 %. 

I contacted Arvest and aksed them to remove the PMI since we have equity far greater than 80 %. They sent a mailed document with directions I needed to follow ( hoops I need to jump through ) including proving where I added value to the home with receipts. I sent them an email 2 weeks ago with the address for the comparable property and told them there is no reason for me to jump through hoops for the removal of what amounts to a junk fee. 

They have not responded to my message. 

I need help getting this taken care of. They are adding well over {$100.00} per month to my mortgage for no reason when I clearly have good enough equity to avoid these fees. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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:
The payment history reporting from XXXX XXXX XXXX is incorrect. If the car was repossessed in XXXX, why is it showing late from August 2019-January 2019? It is not possible for this account to late after or to be charged off before repossession. Which shows December 2019-October 2019. 

This is a violation [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I'll like to know why am I am being targeted. I have rights that should be honored. This inaccuracy has caused suffering. There are over 12 payments that are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three  credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2023-04-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loan services representative spoke with me today XX/XX/22. Advised me that I have until XX/XX/22 to pay full amount of student loan in the amount of {$19000.00}. They advised me if not paid in full that they will submit my loan to their attorney to garnish my wages and sue me for the full amount. I feel this is an unreasonable amount of time to make this amount of money to be paided back in six months or less. This is the only option Navient student loan services is offering me to make payment arrangements. They have made it extremely difficult for me in the past to make payments and still are trying to make things hard for me now. I told them XXXX XXXX XXXX on XX/XX/22 thru XX/XX/22 and before that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are unreasonable and have unfair financial practices they never try to work with me at all. I asked them for written documents of repayment options they advised me that they could not give it to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I urgently and respectfully request that the Credit Bureaus remove these fraudulent inquiries from my credit file, in strict accordance with FCRA section 605b, which mandates Credit Reporting Agencies to promptly eliminate any inquiries listed on an identity theft report. I have diligently included these inquiries in my IDENTITY THEFT REPORT XXXX XXXXXXXX, which I am resubmitting with this formal complaint. In anticipation of an update to my credit report within the next 15 days, I kindly request the immediate removal of the following inquiries : EXPERIAN 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX I recently reviewd my credit profile and was under the impression that i had inaccurate items or reports on my credit profile under my name and personal information. I gave oral and written instructions to these credit reporting agencies at least one already. I have been ignored, displaced and adverse action taken against me for these inaccuracies. Below I found hard inquries I do not recall nor have permisable purpose to be on this profile attatched to my me or my information. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THESE INQUIRES FROM MY PROFILE TRANSUNION ARE FURNISHING WITHOUT PERMISABLE PURPOSE.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this amount owed for almost two years. In XX/XX/XXXX I resided in a very shady apartment complex and was on a month to month lease. In XX/XX/XXXX I moved out of the complex and provided the management office with 45 days notice pursuant to my original lease agreement which was only for one year and expired in XX/XX/XXXX. I handed in my keys and moved into my house. In XX/XX/XXXX I received a notice from a debt collection company claiming that I had not provided 45 days notice prior to leaving and that I did not turn in my keys until XX/XX/XXXX, which is false. I never went back to that complex once I  left it. I also spoke to the management office several times from in the months leading up to my departure to let them know and to make sure that there was nothing else I needed to do. They are now claiming that I owe upwards of {$1500.00} and they kept my {$850.00} security deposit and put it towards the balance, so really they are claiming I owe closer to {$2400.00}. I 100 % dispute this. They refuse to assist me and they refuse to remove it from my bureau 's. This is abusive collection tactics at it's best. I have been told by one collector that I had a lawsuit against me, which I do not and one collector told me I lived in a state where one could be garnished. At this time no suit has been filed and I feel that the company portrays very abusive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I preface this by conceding that that automated selections during the complaint process may not be exact to this issue, but perhaps best represent my concerns. 

- On XX/XX/18, I purchased four ( 4 ) tickets for the XX/XX/18 XXXX XXXX concert at XXXX XXXX for an all-in cost of {$690.00}. Subsequently, it was decided that we would not be able to use these tickets ; and so we listed the tickets for sale, ultimately at a loss. 
- The night before the concert ( XX/XX/18 ), we received an inquiry regarding the four ( 4 ) tickets, and agreed via text message ( with buyer at XXXX ) to sell for {$500.00} ( {$120.00} per ticket ). Funds were received ( {$510.00} gross sent ; {$490.00} net received ) via PayPal and tickets were sent to the email address provided ( XXXX ). 
- Nearly two weeks after the transaction, the buyer disputed the charges through their financial institution, which disputed with PayPal. PayPal deducted {$530.00} from our PayPal account ( {$510.00} + {$20.00} penalty ; thus, charging us also for the fees previously paid by the buyer ). 
- Upon notification, we provided evidence of the text messages and copy of the sent email to PayPal. On XX/XX/18, PayPal notified us that they would dispute with the buyers financial institution on our behalf, a process that could take up to 75 days. 
- While still within the 75-day timeline ( which ends XX/XX/18 ), we received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/18, that PayPal sent our balance to collections. We never received notification from PayPal that our account would be sent to collections ; and this remains in open dispute as confirmed via telephone with PayPal on XX/XX/18. 
- More detailed outline is provided further below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: IN
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:
They are reporting to equifax that I have a charged off credit card account with them. The purchase was returned and the account was to be closed. There never was an amount due because I returned the item within 3 days and closed the account. I want this either changed to paid as agreed or deleted from my credit profile with equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received multiple debt collection letters seeking that I pay a supposed debt without including any proof or verification that this is correct or even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: ENCORE CAPITAL GROUP INC.
State: UT
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:
Midland Credit is reporting on my credit out of nowhere. This debt was paid already and now it just showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I noticed a few inconsistencies as well as inaccurate information on my credit report. Therefore I sent letter methods of verification, requesting to verify the debt. Shortly after receiving my letter, in response I received notice that the accounts I mentioned had been verified. Which is impossible. Because these accounts are clearly inaccurate. Showing all kinds of inconsistencies.

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 2023-03-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 2018-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraud Claim filed with Bank of America on XX/XX/18 for debit card use from complete account takeover. My phone number was taken on XX/XX/18 and ported from XXXX XXXX XXXX to XXXX, then then used a debit card that they had taken from my mail after I had one reissued after attempts were made against it the previous week on XX/XX/18. My XXXX account was taken as well. I have been denied my claim by Bank of America twice because they keep saying that I approved the transactions when I have tried to explain that they were approving them because they had my number, they were also calling into the bank with my number and increasing the amounts/limits that could be used on my debit card. I have been a longstanding Bank of America customer and have never had a claim or a problem of any kind before this.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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