BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
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: Their investigation did not fix an error on your report

Complaint:
Experian keeps letting this collection account from XXXXXXXX XXXX  appear and reappear on my credit report even after submitting fraud documents time after time. This collection needs to be removed as it is fraudulent.

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 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
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:
XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX that the information listed below is reporting accurately after several disputes I sent with the basis of my dispute being their violation of the Gramm-Leach-Billey Act which states that they are to send NOTICE to customers and consumers like myself and that financial institutions should get my PERMISSION before they just blatantly begin to furnish my non public personal information without my consent. The ACA a trade group in your industry gives me even more confidence that your willful non compliance in this matter will help me to collect funds for damages that you have bestowed upon my family and myself without NOTICE! 


You may or may not be a member of ACA but I assure you they have been a key information source for those in your industry for decades. 

Do you have your safeguards in place in accord with ( GLBA )? 

Additionally, you state you are reporting accurately in your reply letter dated XX/XX/XXXX, in addition to your diregard for the Gramm Leach Billey Act in which you gave me no notice before violating my privacy rights violating Title15 USC 6802. 

Additionally, I would now like to dispute brand new information that is reporting inaccurately as well. 

These XXXX alledged accounts are at present reporting as XXXXast Due which is INACCURATE reporting on alledged collection account. 

I requested initially that you remove all XXXX of accounts as they should not be on my reports per ( GLBA ). 

Additionally, At this time I am disputing regarding Brand New information. 


XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete it! 

XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account ..Delete it! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

Please remove these accounts for inaccurate reporting. 

I am uploading partial copies of my credit reports showing the 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 explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Re : XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account Number 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 is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any 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 2019-06-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These was not my inquiries. XXXX/XXXX XXXX address id XXXX date XX/XX/XXXX .XXXX/XXXX/XXXX  address id XXXX date XX/XX/XXXX XXXX   XXXX address id XXXX date XX/XX/XXXX XXXX XXXX XXXX address id XXXX date XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX address XXXX date XX/XX/XXXX and XX/XX/XXXX 2 XXXX XXXX address XXXX XX/XX/XXXX and XX/XX/XXXX also my name is XXXX XXXX XXXX i never put my full middle name on any applications they got one saying my name is XXXX XXXX name id # 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 2023-03-02
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: Information belongs to someone else

Complaint:
I am promised accuracy on my consumer credit report by federal law. Experian continues to report inaccurate and fraudulent information on my consumer credit report the following account are not accurate XXXX XXXX XXXX LATE PAYMENT Balance {$1000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$4900.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$5900.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$1300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$7600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$3200.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$1800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$2500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$2300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$570.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$1300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Im filing this complaint as another attempt to have these errors corrected on my consumer reports under 15 USC 1681. All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have ( 3 ) accounts that's been charged off the accounts are as follows : XXXX  XXXX XXXX this account shows that it has been charged off for the amount of {$2100.00} it's last reporting date is XX/XX/21 I received a 1099c to filed this as earned income this item needs to be removed from my Consumer Report.

Item ( 2 ) XXXX XXXX this account is showing that it's charged off for the amount of {$5000.00} I received a 1099c to filed this as earned income this item need to be removed from my Consumer Report Item ( 3 ) XXXX XXXX this account is showing that it's been charged off for the amount of {$12000.00} this account was paid in full remove this account for inaccurate 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 2020-06-22
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been trying to get a written payoff quote from my mortgage company - PHH, serviced by XXXX XXXX for 2 weeks. I've submitted via their automated system and even called and spoken with a person. They said they've sent it but it never arrived via mail or fax. 

I'm trying to refinance and this has already delayed me closing on my refinancing with a new company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, 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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Account : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX - XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX  XX/XX/XXXX, XXXX - XXXX Inquiry XXXX XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters disputing unknown accounts in my report exactly on XX/XX/2022 but until now I did not receive any response from the bureaus. I think they are not taking actions regarding my complaints.

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 2021-11-08
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 is missing that should be on the report

Complaint:
On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, XXXX, Equifax regarding the following accounts. 
- XXXX XXXX  - this is not my account- {$3100.00} - XXXX XXXX XXXX  - this is not my account- {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Citizens Bank allowed an imposter to open a business account fraudulently using my name, then granted this imposter access to my personal accounts on-line. Once on-line access was granted, the imposter transferred over {$45000.00} from my HELOC to their new fraudulent business on XX/XX/2019. Then numerous XXXX withdrawls and cash advances were permitted by Citizens. 

As of XX/XX/2019, Citizens bank has not returned the HELOC back to the prior level. Also, Citizens has not given me access to my personal checking and savings dollars, accounting for an additional {$70000.00}. This lack of access has resulted in several late and returned payments.

I have not heard when I will have my personal accounts and HELOC amount back to their levels/balances prior to XX/XX/2019. 

Citizens allowed an imposter to impermissibly gain access to my personal accounts in CT, and I live in PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have paid XXXXXXXX XXXXXXXX a car loan balance in full but the company reported that the loan was paid by the dealer and it shows as a negative remark on the credit report. I have all proofs to show I personally paid the loan from my bank account and I have a letter from XXXX stating I paid the account in full yet they insist on reporting it to the credit bureau as paid by dealer. I have made several attempts to dispute and provide proof and they refuse to correct what the are 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 2021-11-08
Company: Round Up Ventures, L.P.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an offer by mail from Lendly ( XXXX ). I accepted the offer and was approved instantly online. I was provided several different loan options. I made my selection and was then provided with a link to verify my checking account and deposit information. The link did not work correctly. I reached out to their live chat and spent over an hour trying to enter passwords and account information. Finally I was told they had IT issues with the account verification process and were hoping to get it fixed soon. My only other option was to manually upload the documents. I logged out and then logged back in and was not able to access anything. I clicked on the account information link and learned my approved loan was changed to denied. I called them to confirm if this was correct and they said yes I was approved for the loan but they changed the decision. My complaint here is, when a loan company approves someone for a loan, they should not be allowed to cancel the loan after an official approval has been provided. I wasted an hour of my time today on this pathetic company. I understand the difference between a pre-qualified vs a pre-approved loan offer. In this case it was an approved loan with an offer made by the lender which I accepted and they then denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2020-08-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have attempted several times to update my person information with Experian. After being told an address that has never belonged to me could not be disputed. I have been blocked from disputing anything with experian online which violates the Fair Credit Reporting Act. The address that do not belong to me or has never belonged to me is XXXX XXXX XXXX XXXX, TN XXXX. I would like this address removed from my credit report. If Experian does not remove this address I would like supporting documentation of reasoning and proof of a verified 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 explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus Experian, XXXX  and XXXX. The false information that's reporting on my credit report is affecting 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 explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX 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 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