BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: MO
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 matter of great concern regarding my credit report. Despite multiple attempts, I have been unsuccessful in having a late/closed account removed from my credit file. 

I have made several requests to have this information investigated and rectified, but it appears that my efforts have not yielded any positive results. I understand the importance of an accurate credit report, and the presence of this inaccurate information is adversely affecting my creditworthiness. 

I kindly request that you conduct a thorough investigation into the matter and take appropriate actions to rectify the inaccuracies in my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I have attached supporting documentation, including Driver 's License and Proof of Address. 

I appreciate your prompt attention to this matter and request that you provide a written response within 30 days, as stipulated by the FCRA. If the investigation confirms the inaccuracies, I expect the prompt removal of the erroneous information from my credit report. I am asking for your assistance to remove this account in my credit file : XXXX XXXX Balance Owed : {$0.00}.

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 2018-03-12
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:
I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.

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 2022-08-17
Company: SYNCHRONY FINANCIAL
State: GA
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:
From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

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 2020-06-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get a free annual credit report via XXXX, but I could not get one from any of those three companies. I called transunion and they said when they were reported, one digit of the social security number was reported incorrectly and I should send my social security card to resolve the issue. I sent it last week, but I am still not able to access it online. I tried to get it via phone call, but it keeps getting hung up at the last step.

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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Last XX/XX/2018, I disputed my XXXX - XXXX to the credit bureaus and this company has been reporting incorrect and incomplete information. They are misreporting the account every month as an open account, instead of an account that was charged off. Theyve also omitted the date of last payment to make the account look like a recent debt, this is a violation of the FCRA and harming the credit report and score more than legally permissible. e than 30 days have past and nothing happened with my dispute and did not receive anything from the creditor. 

I also disputed the following items on my credit report to this company : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX- XXXX and XXXX XXXX- XXXX all of which are showing incorrect and incomplete information. I requested an investigation to be completed within 30 days, but this company blatantly neglected and did not comply with FCRA stipulations.

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 2022-10-04
Company: Paramount Capital Group, Inc.
State: IN
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:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: SANTANDER HOLDINGS USA, 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:
I have connected XXXX on numerous occasions within the current year of XXXX informing them that my information on my credit report such as name and address does not exists and I would like for it to be removed. XXXX has informed me that it was removed. I ran my credit on XX/XX/XXXX and the same information is being listed on my credit report that is not me or non factual. 

Name ID # XXXX listed on my credit report is not my name and I would like it removed and anything attached to it be removed. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it. 

Address ID # XXXX is not my address, I never lived there and the address is non existence, I would like it removed off my credit report and anything attached to it. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it. 

XXXX XXXX XXXX is reporting on my credit account inaccurate information, the balance is stating XXXX. The original creditor is XXXX XXXX, XXXX XXXX is reporting on my credit numerous times with a balance of XXXX. This same account is being reported 3 times on my credit. 

XXXX XXXX XXXX  original balance XXXX is reporting multiple times on my credit report. It is reporting as XXXX XXXX XXXX and also XXXX with the same balance as XXXX. It is the same company. It should not be reporting twice. I contacted XXXX and disputed this and they ignored my concern and failed to tell me why the same company is reporting multiple times on my credit report. 

Santander ... In XXXX Santander has been in a repossession class action lawsuit and I would like this removed off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
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 I 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 non-monetary relief
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Account Name : XXXX Account Number : XXXX Balance : {$9400.00} Late payment dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$87.00} Late payment dates : XX/XX/XXXX and XX/XX/XXXX I do not recall being late in those months. I remember receiving my statements late for the XXXX account.

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 2023-12-04
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 2023-12-04
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Back in early XX/XX/2023, Submitted a Dispute to all 3 Major Credit Reporting Agencies, ( XXXX, XXXX XXXX Experian ) as it pertains to the Unlawful & Malfeasance practices of XXXX XXXX XXXX ) I requested that Credit Acceptance be investigated for their Usurious Rates and Verify that the State of Ga Attorneys General 's office is currently Suing this Company for Fraudulent & Misleading Business Practices. 

XXXX removed XXXX XXXX XXXX from my report, but, Experian and XXXX failed to address matter, I believe neither agency hasn't addressed or investigated this pending issue,

Company response to consumer: In progress
Consumer complaint received 2023-12-04
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: Information belongs to someone else

Complaint:
I've noticed on my credit report there are numerous unauthorized accounts open that do not belong to me and I am asking that these accounts be removed as soon as possible from my credit report as it has now affected my score and these accounts are not mine 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 explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-12-04
Company: SECURITY FINANCE CORP
State: SC
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 XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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 2023-12-04
Company: Experian Information Solutions Inc.
State: GA
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:
There are two credit reporting agencies ; XXXX and Experian who have failed in their grave responsibility to uphold the consumer 's right to privacy. These agencies ' careless and unlawful business practices have resulted in data breaches, and I personally have been affected by such malpractice. A fraudulent account has been opened in my name, adversely affecting my ability to utilize my consumer credit. I have already submitted an FTC Identity Theft Report and disputed the account with the companies multiple times, only to receive frivolous boilerplate responses in return that are off-point and do not address the nature of their mistakes. While XXXX has done the fair and equitable thing in deleting the account from my report, they have not properly and justly compensated me for the violation ( under 15 USC 6801 ; breach of privacy ). Seeing that the account is no longer reporting on XXXX due to its inaccuracy, Experian should now follow suit and remove the account, and compensate me {$1000.00} for each violation of the FCRA. Another violation that I am to be compensated for is the fact that I didn't receive any request for permission to furnish such information. As I have stated I haven't had access to my consumer credit and have been denied countless home loans, apartment leases, and rental properties. As a result, I am currently homeless with a wife and child. At the time the charge-off hit my account I was applying for a {$500000.00} loan and the law states that as actual damage that I must be compensated for. 

XXXX XXXX XXXX claim 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 2023-12-04
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove these inquiries.

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 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
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:
Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account I did not attend school and this is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX/DEPT OF ED Account number XXXX XXXX/DEPT OF ED Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

ccount name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

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 2023-04-20
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XX/XX/XXXX an electronic letter was sent from XXXX through my online banking for an account that was in the negative - {$4.00} ( Ending in XXXX ). In the electronic letter the bank mentioned the account was ultimately closed in XX/XX/XXXX due to the account being in the negative. However, I was not aware of the status of my account until XX/XX/XXXX when I tried to log into my account and viewed the letter. In XX/XX/XXXX, I tried to open an account with another bank and I was denied due to critical information that was being flagged on my consumer reports. I am unable to open any other accounts with banks that I have applied to, which tells me there must be some critical information on there that will not allow me to do banking with any other banks. XXXX is the only bank that I have ever worked with and had a great relationship with until my account closed. The only incident that I can think of that could be tied to this was back in XX/XX/XXXX a company by the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent a check to me under their financial services check system however, XXXX updated that check as invalid. I then contacted that company and expressed my concern, and I was told that some of the information was incorrect on the check and that another check would be sent out, which they did send back out and I tried to cash that check but once again the bank updated it as invalid. After that incident I chose to no longer communicate with this company due to this company invalid check activity on their part. The account was put in the negative because of this company 's actions, which was out of my control. XXXX XXXX XXXX XXXX XXXX bears responsibility for this. I am requesting for XXXX to remove any negative flags on my account if there is any in regard to this account as I was not notified previously if the account was being closed for any other reason, otherwise I would have disputed it and provided any information requested. I am also requesting for Early Warning Services to also remove any negative flags on my account in regard to this account and also send a copy of my report. This is causing an extreme hardship since I can not have any direct deposits/paychecks at this time.

Company response to consumer: Closed with explanation