BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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: 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. I need the following to be updated right away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX 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

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 2023-01-13
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am unable to communicate to experian, XXXX, XXXX and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.

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 2020-07-14
Company: Midwest Recovery Systems
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unverified and Unauthorized on my credit report, I've been disputing with this account for 2 months however they refuse to remove it and now I'm coming to you guys to resolve this problem. It should be a fair resolution to this issue, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
account : XXXX XXXXXXXX # XXXX account : XXXX XXXXXXXX # 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2022-10-20
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX, XXXX. XXXX 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish your account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally complain about the persistent issue of late open accounts that I have been experiencing with your company, specifically regarding my account with Credit Bureaus. Despite my numerous attempts to address and resolve this matter, my late open accounts remain unresolved, causing significant inconvenience and financial hardship. 

I would like to provide a summary of my efforts to address this issue : I first became aware of the late open accounts associated with my account. Immediately, I contacted your company and initiated communication with your customer service department to discuss the issue. 

Subsequently, I made multiple attempts to resolve this situation, including sending emails, making phone calls, and even visiting your office in person. During these interactions, I provided all requested documentation and information to address the late open accounts. 

Regrettably, despite my continued commitment to resolving this matter, the late open accounts have not been rectified, and I have received no concrete steps or response from your company on how to proceed. 

These unresolved late open accounts have caused me significant stress, inconvenience, and financial difficulties. As a customer of Credit Bureaus, I expected a more responsive and efficient resolution process. 

I kindly request that you take immediate action to address and correct these late open accounts. If there are any additional details or documents required from my end, please inform me promptly, and I will provide the necessary information. 

I believe in fair and transparent communication, and I trust that we can resolve this issue amicably. However, if this issue persists, I may have no choice but to seek legal assistance to protect my rights and interests as a customer. Please assist me to correct these accounts : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.

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 non-monetary relief
Consumer complaint received 2023-01-17
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX I received a random phone call from a stranger asking me to verify my identity. I obviously would not volunteer this information in the day and age of identity theft and scam artists. When the caller refused to answer any of my specific questions about who they were and what they were calling about, i told them I would not verify my identity and to never call me again. On XX/XX/XXXX I got a notification from XXXX XXXX XXXX that a negative major deragatory event had hit my XXXX XXXX. When I reviewed it, it was from a company called Contract Callers Inc who i've never heard of. I then learned that in order for a debt collector to report your debt to the credit agency they have to satisfy XXXX of the following : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any XXXX of the following : XXXX ) Speak with you in person about the debt, XXXX ) Speak with you by telephone about the debt, XXXX ) Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or XXXX ) Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

NONE of these steps were followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: KS
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXXBalance : {$17000.00} ; XXXX XXXXXXXXBalance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$620.00}.

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 non-monetary relief
Consumer complaint received 2022-10-20
Company: United Shore Financial Services, LLC
State: CA
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:
Please help with rectifying the late payment on each of my XXXX accounts I have with United Wholesale Mortgage. I slightly remember there being some sort of technical issue with online banking when trying to make the payment in XXXX. I thought I had submitted the payments but according to my credit reporting it says otherwise. I looked at my bank statement in XXXX and it shows that payment was made on XX/XX/2022 to both accounts. Please see attached statement. I had full intent to pay and have many mortgages with UWM and plan to have more in the future. As a one time courtesy and out of goodwill, I graciously ask UWM to help me resolve this matter by removing both late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased several pieces of furniture on XX/XX/XXXX, and they were supposed to deliver within six weeks. Some items were delivered on XX/XX/XXXX, but the bed was missing the tools to assemble it. After waiting patiently for weeks, I contacted the store using different means of communication social media, phone and fax and made him aware several issues such as having an incomplete order and receiving a defective item. The company made no effort to address my concerns, so I later filed a complaint with Virginia State Attorney ; unfortunately, XXXX XXXX XXXX was still unfazed by my concerns and even claimed it was not aware of it. I hired a lawyer to contact XXXX XXXX on my behalf ; the lawyer sent a letter to the company on XX/XX/XXXX. I initial received an email about my credit card balance statement totaling {$440.00} and later received a standard letter without concrete solutions. It is worth noting not all the furniture items were delivered. The balance was for the following items : Occasional table set, Queen Sleigh rails, headboard and footboard totaling {$120.00}, {$92.00}, {$110.00} and {$120.00}, respectively. The order is incomplete because XXXX fails to assemble the bed. It has been aware of this on-going issue since XX/XX/XXXX and has never taken any concrete steps to resolve it ; as a result, this issue has forced me to sleep on the floor for almost six months. I acted in good faith and took all the necessary actions to resolve the issue, but the company was unequipped to address that simple problem. It feels emboldened in its decision to poorly address my concerns because there is clearly a power dynamic involved in this particular case.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute an account that is currently showing up on my credit report. The account is with XXXX XXXX and it is listed as open. However, I have not received any confirmation or active account status from them that I am legally obligated to. 

I request that you remove this incorrect, unverifiable account from my credit profile immediately as it is causing me significant harm to my credit score. I have made numerous attempts to rectify the situation with the company, but they have not been able to provide me with any information or documentation to support I have an account account with them. 

I understand that it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. Therefore, I urge you to investigate this issue and remove the account from my credit profile if it can not be verified. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-06-19
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: Investigation took more than 30 days

Complaint:
I sent an intial dispute back in XXXX asking for an reinvestigation of my consumer reports for items that were reporting incorrectly. To date, XX/XX/2023, I have yet to receive any updates on that dispute. It has been almost 60 days since that dispute and according to the FCRA 15 USC 1681, this dispute was to be conducted within 30 days and that did not happen which is in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I settled account with Conns Appliances in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from XXXX XXXX XXXXXXXX stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the Conns Appliance is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted Conns Appliances ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & XXXX XXXX XXXX ( stats that Conns is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX 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 2023-01-13
Company: FISERV INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My name is XXXX XXXX and my compliant is that my name was fraudulently used for various transactions at TeleCheck Services LLC between the dates of XXXX. I filed a compliant with TRS Recovery Services Inc to make them aware of the situation around the end of XX/XX/XXXX and was giving a case ID # ( XXXX ) for the dispute. I was then contacted again by TRS on XX/XX/XXXX in reference to the dispute and given the tracking number of XXXX. They also directed me to make a compliant to ftc.gov, once there I was directed to cfpb website because of the type case. I have attached all the information that TRS sent me in the mail of the transactions.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: SLM CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Phone : XXXX Email : XXXX Ref. : Complaint against SallieMae reporting Dear Sir or Madam, I am writing to dispute the information related to a loan number XXXX XXXX XXXX XXXX of the amounts {$18000.00} that SallieMae charge without my knowledge. The first time that I received an email from that financial institution I did not answer because I thought that was a mistake until I noticed it reported me to the credit bureaus.

SallieMae has associated my name with a certain XXXX XXXX, one of my classmates at XXXX XXXX XXXX who used to study with me. In all likelihood, this gentleman would steal my identity to go take a loan. Despite of my last name, I do not have anything to see with that borrower who is just a fraudster or identity thief. 

In spite of the emails received from SallieMae, I never wanted to contact the bank to not have difficulties. The Financial Institution has destroyed my credit score by reporting me unfairly to the credit bureaus. As you can see, other than this incident, I am a valuable customer and I pay my debt pretty much on time. 

With these considerations, I am requesting that your department reinvestigate this matter, the disputed item as soon as possible, and that the item be deleted from my credit record to correct the information. 

Enclosed are copies of supporting my position. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation