BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: MD
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/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 2022-05-28
Company: EQUIFAX, 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:
The XXXX credit bureaus have continued to allow the reporting of this XXXX XXXX Account to remain even after doing an investigation numerous times. The E-Oscar system is flawed & if this account isnt erased from my credit reports then I will be seeking my financial repair through legal action because an original creditor is not supposed to report a past due balance on a sold account. The bureaus wouldve known that had they done the investigation properly, this account has been reporting on my credit report inaccurate for some years & it needs to be deleted per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Old information reappears or never goes away

Complaint:
XXXX and XXXX both removed a collections account from 2008, Experian has refused to do so. It is 7 years past the statute of limitations, and this single item is preventing me from getting approval for even credit rebuilder loans. Experian has not been helpful, and has not removed this mark. Adding complication to this is the inability to dispute online, forcing me to call during work, which is interfering with my duties.

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 2023-08-09
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 15USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion 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 non-monetary relief
Consumer complaint received 2022-11-01
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:
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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$340.00}

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 2023-04-14
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
Credit acceptance is still reporting repossessions past the 7 year statute of limitations.

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 2022-05-28
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:
I've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
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: 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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted 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

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 2021-06-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been trying to remove incorrect information from my Equifax credit report for the last 2+ months. I filed online disputes on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, and in none of those cases were the errors corrected to my satisfaction. 
I also called the customer support line twice on XX/XX/2021, but was unable to properly initiate a dispute due to their systems being " down for maintenance ''. 

In all of these cases, I was unable to get incorrect names, date of birth, SSN, addresses, and credit accounts completely removed from my account. 

With the exception of the XX/XX/2021 dispute, I never received a readable document showing the results of my disputes ( the PDF files provided were consistently corrupted ). I have had to use my allocation of 6 free credit reports to view an update, which is how I discovered the consistently incorrect Further, the result of the XX/XX/2021 dispute resulted in my previously correct current address and date of birth being changed into *incorrect* information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 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 an 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 2023-08-09
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:
This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We had a vacation rental scheduled for XXXX in XXXX, XXXX. When the hurricane hit them on XX/XX/28 it wiped out the causeway so we were unable to occupy the rented home for our vacation. The rental company would not return our funds and so we turned to our credit card company under the services not rendered clause. They only returned the one transaction claiming the other transaction was valid from cancelling our visit. We did not cancel and I provided them plenty of documentation showing this but they refused to reverse the decision and when I provided further proof from the actual rental company telling me to work with the credit card company said we had run out of time, even though their representatives told us there was no timeframe!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: International Computer Systems, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company First Collection Services have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with FIRST COLLECTION SERVICES and have no knowledge of an account with them and dont owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: FISERV 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:
This letter is to notify the management named as Telecheck that your company placed and unauthorized inquiry on my credit report on XX/XX/XXXX  from : XXXX XXXX XXXX XXXX. I demand under FCRA : Section 604 : 1. Permissible Purpose. 2. My original written authorization ( not a copy ). 3. Proof of signature that I personally initiated this inquiry. Either provide me strict proof or DELETE the item immediately. If you do not delete this info within15 days I will take legal action. Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the info or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. You do not have permission to have or make any consumer account with any of my info such as Name, Phone, Email, Social Security, Passport, Drivers License, ID numbers, Address, Date of Birth * Permanently Delete my consumer account from your database and prevent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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. 

XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  : # XXXX, 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 2023-12-28
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated from my  XXXX  program back in XX/XX/XXXX and was preparing to pay back my loans via XXXX. All of my loans transferred over to Mohela as I applied for the PSLF program. Prior to XX/XX/XXXX, my loans still had not transferred. On this date, I got an email from Mohela, which also showed up on my Mohela account, that my repayment of {$210.00} is due on XX/XX/XXXX. They provided a 3 day notice for my first payment toward my loans. Furthermore, my application for the SAVE program was not looked at, I applied for this back in XXXX. So now, my loans were under 4 different repayment programs, as per the Mohela rep I spoke with on XX/XX/XXXX. I then had to reapply for the SAVE repayment program, despite already applying in XXXX, and somehow that application was not processed. 
It appears that loan servicers are required by law to provide at least 21 day notice for loan repayment. I received only 3 days. I did make the payment on XX/XX/XXXX, which was on time, though when I spoke to a rep on XX/XX/XXXX, she stated my account was in delinquent status because my payment was not yet processed, despite me having confirmation via email and on my Mohela account that I made the payment by the due date. 

See attached documents for proof of receipt, billing date was XX/XX/XXXX, and due date XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  i called in to dispute these accounts off of my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request debt validation made pursuant to XXXX5 USC 1692g Sec. 809 ( b ) of the FDCPA. On XX/XX/XXXX I sent a request for validation to Transunion about several accounts listed on my credit report. I received a letter from Transunion dated XXXX XXXX that all of the accounts were verified but they did not send me any proof. I sent a second requesting them to provide proof on XX/XX/XXXX. On XX/XX/XXXX I received a letter of the dispute status for bankruptcy listed on my report. Transunion falsely stated the bankruptcy was verified with the courthouse. I sent them a letter that I received from the courthouse that proves otherwise. See attached. The letter from Transunion also states that they are not required to reinvestigate the same item ( s ) without additional information to support the dispute. Which is beyond questionable since the never properly validated any of the debts in the first place. On XX/XX/XXXX, I received another letter from Transunion stating the items had been verified again, yet they still did not provide me with the competent validation I requested. I sent a third request informing them that I was exercising my rights under FCRA 611 ( a ) ( 7 ) requesting a complete description of all methods used to investigate my previous dispute. As a result, I received XXXX letters dated XX/XX/XXXX. An investigation procedure letter and a dispute status of XXXX XXXX XXXX but I did not receive validated proof or documentation that I requested. I sent a fourth dispute letter dated XX/XX/XXXX. Yet, I received another letter stating that all of the accounts were verified. On XX/XX/XXXX I sent a final letter requesting verification. Once again Transunion stated the accounts were verified and or updated. I sent the same letters to XXXX XXXX XXXX and both agencies deleted XXXX from my credit report. Ive spent a lot of time and money sending letters to Transunion yet they never validated anything. How is it that one credit reporting agency can delete non-validated items in question, yet another doesnt when the same law applies to all of them? I have included all of the documents Ive sent to Transunion which shows that they violated my rights and ignored my requests numerous times per section FCRA 609 due to not following proper investigation procedures. In accordance with 15 U.S. Code 1692g, I hold the right to request validation of the debt, including any fees, and who the original party that is making the claim. I would like negative information deleted from my file immediately. Please see attachments.

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