BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX unilaterally and incorrectly reported payment of my auto history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy. This account is also showing as a collection, can you please update that information as well. The account is a lease that I am currently driving and it should not show as a derogatory or a collection. PLEASE UPDATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX SSN # XXXX DOB : 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 non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: WY
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:
Credit card was fraudulently opened in my name with XXXX on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from XXXX and equifax but not XXXX. Filed another dispute with XXXX  and XXXX  XX/XX/2023, no communication from XXXX  and XXXX dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-11-12
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-10-18
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Advertising and marketing, including promotional offers ( I do NOT want any communication from Discover. I called multiple times and asked them to cease ALL communication with me the beginning of XXXX. It is now the XXXX of XXXX, and I am still receiving mail from them which is harassment. Each time I call in, they inform me that the communication will cease but to " forgive them '' if I were to receive any recent communication as it may have already been processed. I don't want to contact opt-out services LLC because I do want promotions from other companies, just NOT Discover as it's my right to not receive communication from them specifically. Discover is the ONLY credit card company that has ever canceled with me and they did this around the start of the pandemic. Their decision and unprofessionalism when calling in trying to resolve it, had a negative impact on me and my credit scrore alike. Though I am not legally obligated to provide a reason for my request to have no communication with them, I decided to. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$110.00} on the -XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned the equipment within the time frame outlined in their contract. The representative I spoke with confirmed the closure of the account and verified that the account was in good standing. I did not know I had a collection from XXXX until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-11-22
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:
The following inquiries on my credit file are a result of fraud. Please remove these hard inquiries. I have also filed a complaint with the FTC which only allowed me to add some and not all inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: CA
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 am writing to express my serious concern regarding the unresolved dispute I submitted to Experian on XX/XX/2023, XX/XX/2023 and then again on XX/XX/2023 AND also through this portal XX/XX/2023. 

I provided a detailed dispute letter, requesting the removal of inaccurate addresses from my credit report. Despite the XXXX window specified by the Fair Credit Reporting Act ( FCRA ) for investigating and addressing disputes, I have not received any communication or resolution from Experian for any of the requests, merely a dispute results can not be viewed online through the website and the inaccurate addresses remain on my report. 

My dispute letter submitted XXXX XXXX previously included essential information, such as my name, current address, the disputed addresses, and an explanation of the inaccuracies I identified. The FCRA, which governs credit reporting agencies like Experian, stipulates in Section 611 ( a ) ( 1 ) ( A ) that upon receiving a dispute, the credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. Additionally, Section 611 ( a ) ( 8 ) of the FCRA mandates that consumers are entitled to a response within 30 days after the agency receives the dispute. I kindly request that you promptly investigate the inaccuracies and address this matter as required by law. 

The other CRAs are not reporting these addresses! Experian says data furnishers are providing the information- which they have yet to show what methods they used to get this info and from who. 

I also request that Experian remove the disputed addresses from my credit report ASAP as this has already been MONTHS. Failure to do so would not only be a violation of the FCRA but also severely impact my financial standing. Inaccurate Address : XXXX XXXX XXXX XXXXXXXX, NJ XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX have relied on the accuracy of my credit report for various financial and personal transactions, and this error has caused undue distress and concern.

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 2018-07-31
Company: Ameritech Financial
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was given the wrong information by Ameritech Financial. They said that my monthly payments to their loan forgiveness plan that they said would make it cheaper instead of what I would be paying for XXXX XXXX would be going to the loan. Plus they said now that they had the loan forgiveness plan with me that I would be paying less and not paying interest and if I went back to school and got a second degree and a better paying job with the government or state that my forgiveness would be even lower. None of my payments went to my loan and I found out the fee they charged me in the beginning to sign up was not even a fee I would have gotten with XXXX XXXX if I did the forgiveness plan with them instead. Where was my money going to if it wasnt for my loans?

Company response to consumer: Untimely response
Consumer complaint received 2023-12-03
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:
Company Name : XXXX XXXX Account Number : XXXX Briefly explain your complaint : I am disputing an account on my Equifax credit report with the following details : Creditor : XXXX XXXX Account Number : XXXX I was listed as an authorized user on this account, and it is not mine. Despite my efforts to resolve the issue with both Equifax and the creditor, the incorrect information persists on my credit report. This inaccuracy is negatively impacting my credit score, and I am seeking assistance in having it promptly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
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:
these companies have violated my consumer rights, lied and said that the things in question have been verified by XXXX. That was not true, as XXXX reported that they have not confirmed anything neither were they reporting said items. 
( see copies of laws violated ) These XXXX agencies have no right to violate my privacy, nor did I give them authorization to report anything about me. 
I want this information removed ASAP since it only takes XXXX to XXXX days to confirm false information. I also want a check sent to my mailing address for ALL VIOLATIONS PER COMPANY. {$1000.00} per violation each! 
I also want my scores restore back to the XXXX plus range per agency. 

Thank You 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 2023-11-22
Company: Experian Information Solutions Inc.
State: IL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
To whom this may concern according to the Fair Credit Reporting Act ... ..15 U.S. Code 1681c - Requirements relating to information contained in consumer reports It states below that .... 


( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

On my XXXX.XXXX  consumer report it states. 

XXXX  ... ... XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX  XXXX  XXXX XXXX ... . ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX  XXXX  ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX XXXX  ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXXXXXX XXXX XXXX XXXX ( Date Opened ) ( XXXX  XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) Transunion ... ..XXXX  XXXX Services ... .. ( Date Opened ) ( XX/XX/XXXX ) 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

Sincerely, 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 2020-02-06
Company: ADIR INTERNATIONAL LLC
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: Account information incorrect

Complaint:
To whom it may concern, For several months I have disputed inaccurate reporting to all 3 major CRA'a ( XXXX, XXXX, and XXXX  ) regarding a company called Curacao or La Curacao.

Curacao is the original creditor in this matter. Curacao charged off the debt and sold the debt to a collection agency in the XX/XX/2016. The collection agency that owns the debt and reports to all 3 major CRA 's is listed as XXXX XXXX. I've never received anything from XXXX XXXX, but I know this from reviewing my credit reports. The issue is, even though Curacao sold the debt to a collection agency, Curacao continuously reports a balance due and past due balance to XXXX, XXXX, and XXXX. To my knowledge and research, once a debt is sold to a collection agency, the original creditor may not report a balance to the CRA 's ; they would have to report balance as XXXX ' XXXX  since the collection agency is now reporting the balance and collecting the debt. Every time I have disputed the inaccurate information to all 3 CRA 's, Curacao responds that the information is accurate. So now it's double jeopardy on my XXXX, XXXX, and XXXX  reports. The same debt balance is reporting twice. Also, Curacao, on several occasions, has reported different " current balances '' ( they fluctuate the balance ), and they also periodically change the credit limit on the account ( the account has been charged off for 4 years and was sold 4 years ago to collection agency ). I have called attorney 's for legal advice and know that Curacao is inaccurately reporting. This has caused a lot of stress and anxiety to me and has caused obstacles in my life. Thank you for time looking in to matter. I hope it is resolved soon. I believe Curacao is in violation of FDCRA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: GA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: Paypal Holdings, Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I sold items on XXXX platform and buyers has received the items and the normal procedure is to release funds once the carrier confirms receipt of the delivered item by a online tracking system which connects to XXXX, paypal, and the carrier site. Since my prior complaint against paypal my account funds are being held although it is not common practice to do so. I am unable to remedy a solution by contacting paypal or XXXX. The funds are being held and I am being told they are not being held although I have not received any funds and the funds appear in my account with a unnecessary hold placed on these funds.

Company response to consumer: Closed with explanation