BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: AR
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:
My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that the first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items. I have never heard of these things on my report. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$2200.00} COLLECTIONS   XXXX {$780.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX   XXXX  XXXX {$170.00}

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
on XX/XX/2023 I sent a dispute to trasnunion regarding some collection accounts that i had questions about. I dont believe such accounts belong to me and they have yet to respond to my request.

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 2017-12-17
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I last heard from XXXX XXXX XXXX cable combany in XXXX XXXX between the years of XXXX and XXXX. I did n't pay my cable bill so they deactivated my account and canceled my subscription. I never knew you could owe a debt from a service you no longer wanted to have. The debt has since been turned over to XXXX with a debt of {$320.00}.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: OH
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: Other problem getting your report or credit score

Complaint:
This problem has been going on for over 8 months although I have had my mortgage since XXXX. XXXX assumed the mortgage from XXXX XXXX XXXX XXXX. 

I have spoken at length with XXXX XXXX : XXXX XXXX and XXXX XXXX regarding wanting a credit report of my mortgage history sent to Experian. I have worked hard the past two years to improve my credit. The mortgage history is important to my credit credit score. I am getting reports from XXXX, XXXX .... 

Recently, XX/XX/XXXX we learned that the credit line for XXXX was purged by Experian in XXXX. Coincidentally this is around the same time that my mortgage was remodified by XXXX. I was told by Experian to have XXXX reinsert the credit line. Promises have been made by XXXX, but it is not resolved. They have not sent a " XXXX XXXX '' to Experian which was promised by XXXX XXXX on XX/XX/XXXX. 

Today, XX/XX/XXXX, I spoke XXXX at Experian Credit Dispute department ( XXXX ) They have NOT received an update from XXXX. She assured me that it is a simple process. XXXX 's recommendation is that XXXX call them with instructions on how to use the XXXX XXXX, and that this is the fast way to reinsert my credit history. 

I have serious concerns about XXXX Mortgage XXXX. Their integrity because there are hundreds of consumer and XXXX complaints and too many are recent. I want to be confident that my property is in good hands and that my monthly payments are being applied correctly, and that this history is on my credit report with Experian and ALL credit bureaus. I have been patience not to escalate a complaint to the Ohio Attorney General or to the U.S. Attorney for an investigation. I am asking XXXX publicly and for the last time to reinsert my credit history onto Experian. The number to call is Experian Credit Dispute department ( XXXX ) Reinsert credit file onto the E-Oscar System is what I was told today. Please call Experian for how to get it done. I spoke with XXXX and she said to call and relay this information to XXXX Mortgage XXXX. I left a detailed phone message XXXX Complaint dept XXXX for XXXX XXXX and his boss XXXX XXXX that I was filing this complaint with an update, and hopefully we can all move on with our lives.

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 2018-07-24
Company: Capital Accounts, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company called stating I owed over {$200.00}. I contested it, told them I would not pay them only the original creditor, then asked her to stop calling. I was told they would keep calling and keep reporting negatively to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: OH
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 reached out to the credit bureau on XX/XX/2023 and would like a reinvestigation I still have inaccurate information on my report! 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. 
I hope you would be able to help! I will list the accounts below! 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account 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 2023-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: SC
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 receiving my report from XXXX  I learned that they still had two other people ssn, addresses, collections and phone numbers on my report. I filed a dispute on the accounts and they keep saying verified. I asked them to send me proof of signature or a form of verification and they couldn't. These things have held me back for years. This is stressful and my anxiety is thru the roof over 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 explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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:
There are multiple discrepancies with the account from XXXX XXXX XXXX XXXX XXXX : 1. It is reported by both the original creditor, as well as the debt collection agency XXXX XXXX  ) 2. There is a balance discrepancy. Debt collection agency is showing a balance of {$50.00}, while original creditor is showing {$210.00}.

3. The date opened has a discrepancy as well. On the debt collection agency 's report, it is showing a date of XX/XX/2022 for XXXX, but a date of XX/XX/2022 for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-02-12
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I had an Apple Credit Card in my name in good standing, but a fraudster called them and requested a physical card in my name even though current one I had wasnt expiring till XXXX card was delivered in my name at location in XXXX, XXXX got XXXX from UPS your card is delivered on XX/XX/2023 at XXXX. When I tracked the number I saw the above address. I called the card service and asked them to freeze the card. They did that and gave me the new XXXX number. A week later I got an email from Apple Card that your address is updated. Again I did not request a change of address. I looked at my virtual card profile, it was changed to another address in XXXX of XXXX XXXX without me asking for it. 
I had to cancel the card. I am wondering about Apple Card security. How easily they would change addresses without vetting the caller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Marlette Funding, LLC
State: GA
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:
the XXXX never investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XXXX to accurately determine or with any reasonable effort, determine if the debt belonged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am almost 3 months behind on the private student loans that I have kept in good standing with through interest-only payments and the payment amount was recently going up because I completed the recent 6-month program. When this happened I recently was able to get into my own housing because I was living with my parents for the past 4 years and was able to afford these payments. Since my expenses went up I was unable to afford the payments I was currently making and asked if there were any other programs to help me keep my loans current and there weren't. They kept telling me to call back later to see if anything changed and every time I called there wasn't in between these times my mom ( co-signer ) and I would get at least XXXX calls a day each because it was delinquent. Now it is about to go the collection agency and I called again and still, there is nothing they can do. I spoke with supervisor XXXX XXXX of Navient to complain about a call earlier that was made to my mom and come to find out it was he who spoke to her and was demanding her to pay and make some type of arrangement and that it was her responsibility since I was not cooperating which is not true. Every time I made a financial report with the representative my disposable income is only about {$160.00} and they are wanting me to make $ XXXX  monthly payments at the least which I obviously can not afford. When I spoke to the supervisor XXXX, he immediately had an attitude and was in defense and I had to hang up because he was very argumentative. I also had reported having her number taken off of the auto-dialer alleviate the number of calls she was getting. I told him I was trying to work with them and he basically said they can not go any lower and that was it. If it wasn't for my mother as a co-signer I would let these loans go delinquent She is on social security and can not afford to help me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXXXXXX  account XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX  XXXX account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
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 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$920.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX : {$8500.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$940.00} 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 2023-04-05
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: Their investigation did not fix an error on your report

Complaint:
I submitted a cfpb complaint # XXXX and i see that experian closed the dispute saying the account was validated but you the cfpb are confirming that the student loan returned this saying that doesnt belong to them and i received an email from them saying they couldnt locate an account with the info reported by experian nor my name and personal information. therefore HOW DOES EXPERIAN CAN VALIDATE AN ACCOUNT the student loan CANT EVEN CONFIRM?!!! 

I am requesting IMMEDIATE removal and deletion of this unverified account that doesnt belongs to me on my credit report. see attachment enclosed proving they do not validate this debt!!!

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 2020-09-17
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez mortgage processor as not been reporting my payments to all 3 credit agencies every month. The company waits three months to report one on time payment leaving the other past months I have paid marked as unavailable data.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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