BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian recently responded to complaint # XXXX ; however, they continue to demonstrate willful misconduct by failing to address the specifc nature of the complaint. 

THIS IS NOT A REQUEST TO VERIFY THE DETAILS OF THE PUBLIC RECORD IDENTIFIED IN THIS COMPLAINT. 

Again, I am providing factual and relevant information proving Experian 's unlawful credit reporting activiy. The public record IS NOT REPORTING CONSISTENTLY within Experian 's organization - how can this be? v I received correspondence from Experian on XX/XX/18 and that alledged verified information is NOT what Experian is currently reporting to lenders ( see dated factual evidence attached ). 

I have had enough of Experian 's dismissive nature. They continue to violate the Fair Credit Reporting Act. DO NOT SEND ME ANY CORRESPONDENCE REGARDING YOUR " VERIFIED '' INFORMATION. 

I am specifically requesting an INTERNAL INVESTIGATION as to why ONE entity ( Experian ) is reporting ONE " verified '' account TWO different ways.

The continued lack of acknowledgment willful negligence to correct or delete this record is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 5 ) ( a ) ( i ). I will be forwarding this and all correspondence to date to XXXX XXXX at the Illinois Office of the Attorney General. She has been in contact with Senior Regulatory Affairs Department at Experian.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion 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 corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00}

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 2019-02-04
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On my statement from Synchrony, they only list a seven year payoff amount at minimum payments. They do not reflect a payment for three year payoff, as required by the credit act report. When I called, they did not have an answer to my inquiry. I would like to know what my payments would be for a three year payoff so I can budget accordingly.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Experian did NOT adhere to the FCRA. The Fair Credit Reporting Act ( FCRA ) is the federal law that, among other rights, gives me the right to dispute incomplete or inaccurate information. The credit reporting company must take certain steps when you notify them of an error. Once notified of an error, FCRA requires the credit reporting companies to do a reinvestigation after you dispute the accuracy or completeness of the information, unless your dispute is frivolous. 

Experian continues to allow negative inaccurate accounts to reinstate the block that I've already won in disputing with Experian. Experian 's address records reflect the negative credit cards for the address below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

Hence, if I never lived there and then the information is inaccurate and false. Experian 's own address record reflect the same information, then Experian needs to PERMANENTLY block ALL of them even IF these negative accounts tries to reinstate the info back to my report.

Company response to consumer: In progress
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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.

has violated my rights. Or 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 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 2020-09-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
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:
Wakefield and associates has placed a collections account on my credit reports in the amount of {$1200.00} with an original lender listed as XXXX XXXX XXXX XXXX with an account type not listed amount past due not reported and a highest balance reported as {$1000.00} and a credit limit not reported. I have never received any communication from them what-so-ever. I know nothing of this account and am confused about the fact that the first time I even found out about this is from pulling my own credit report. Is this mine, is it medical, did I receive services, was it properly billed, did I apply for credit, was I given an opportunity to make any arrangements with whomever the original lender is. VALIDATE this debt and validate your right to collect it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am appalled at this debt collection post card I received at the beginning of XXXX from FIRST FEDERAL CREDIT CONTROL , INC . The alleged debt that they claim I owe was already paid upon arrival at my doctors appointment last year, XXXX its ridiculous that I receive something like this in the mail with everything going on today. You would think theyd have a little empathy. I have never agreed to do business or agree to any contract with FEDERAL CREDIT CONTROL , INC. Ive never given them any of my not only private, but also personal information. This is exploitation Theyve violated multiple USC codes with the letter as I exhibited it and made notes with disputes and have sent it back to them. I AM A CONSUMER. I have every right to point out that according to 15 USC 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. They have threatened to report me, a natural living person, to a national credit bureau if supposed debts are unpaid. According to 15 USC 1692e a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. According to subchapter 5 of 1692e they did exactly that. Theyve plastered their logos all over the invoice which is yet, another violation. I refuse to allow such abuse and mistreatment from a fraudulent company like this one. I am looking forward to their response wthin 30 days from the 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 2022-08-27
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I remitted the payment coupon at the bottom of my statement along with a notice of instructions on how and where to credit the payment. Now my account has been closed without prior notice due to them saying I'm denying my contractual obligation to pay when I've in good faith tendered payment. I never denied my obligation to pay but the obligation is of the U.S., not me. I've sent Notices on XX/XX/XXXX about this matter and they signed to receive the information on XX/XX/XXXX according to to form XXXX. They have closed my account on XX/XX/XXXX according to data from XXXX about my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
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.

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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent a total of 5 letter to TransUnion regarding inaccurate information on the credit report. I have asked them several times to remove the XXXX Late payment from my credit report. They have failed to do so and completely IGNORED my request. They haven't updated my account in regards to the request. This is a VIOLATION as it has been FIVE months of trying to get this payment removed. Transunion is the ONLY bureau reporting the payment as late. If they did PROPER verification then it would be the same between all three bureau. A CLEAR violation. I also requested for them to remove addresses from my credit report that is inaccurate and they IGNORED my request. I will also be filing a complaint with the FTC and 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 2019-02-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/XXXX, I received a copy of my Employment Data Report from The Work Number ( Equifax company ). I found out that someone in the Human Resources department of XXXX XXXX Hospital, my previous employer, pulled my employment record on XX/XX/XXXX. I did not give anyone permission during that time to pull my employment record, and I did not complete an Authorization to Verify form. 

On XX/XX/XXXX, I contacted The Work Number and asked why my employment record was given to XXXX XXXX Hospital. They said that I would have to file a dispute. I filed a dispute that day ( ticket # XXXX ). I also sent an email to XXXX XXXX, Director of Human Resources at XXXX XXXX XXXX ( and cc 'd XXXX XXXX, the Vice President ) requesting information as to why my record was pulled by her department. She wrote back that same day but said she doesn't give out information. She misunderstood or did not read my email properly. I reply by reiterating my question. She never responded. I sent an email on XX/XX/XXXX, and on XX/XX/XXXX, asking her to please look into the matter and give me a status update as to who pulled my report and for what reason. To date, I haven't gotten a response. 

On XX/XX/XXXX, and XX/XX/XXXX, I reached out to The Work Number to get a status update on my dispute. I received no help and was only told to wait. 

XX/XX/XXXX, I received a letter from The Work Number not addressing my concern, but just stating that XXXX XXXX requested my employment record on XX/XX/XXXX, for Employment purposes. 

The Work Number gave my employment record to XXXX XXXX without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 21st 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 extortion. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XX/XX/

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 2023-07-12
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a number of erroneous errors on my Equifax credit report. I have notified Equifax on numerous occasions of their errors, and they still will not fix it. So I am submitting a CFPB complaint. Please fix this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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 2023-03-13
Company: AppFolio, Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reported Identity fraud with my local Police department last XXXX. I have supporting documents that prove my claim. I also filed a report with the FTC. I have documents that support my claim. App Folio was contacted by myself in XXXX of last year XXXX and XXXX of this year XXXX and asked by me to stop any and all sharing of the inaccurate information contained in my file. I was a victim of Identity fraud. To date this has not been done as I requested. They continue to provide this inaccurate, derogatory information to several companies. I am unable to obtain reasonable housing because of this. An apartment application costs me {$40.00}. I pay the {$40.00} only to find this information that is inaccurate and false presented to property management companies even though I specifically requested that the information not be shared until the inaccuracies are taken off my file and investigated. They continue to ignore my requests even as it costs me time, money, and a smear on my reputation and business. It is unacceptable and I request once again that they cease to report my file to anyone else. Me being a victim of identity fraud is not something that I should be punished for time and time again. This has been going on for more than a year now and high time it stops immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I was informed by Truist Bank that I have an administrative hold on my bank account. I was attempting to make a purchase and my purchase was declining ; therefore, I contacted the Truist Bank to see why my purchase was declining. I went to the Truist branch in XXXX, Ga and the representative contacted XXXX XXXX from the corporate 's office in North Carolina. XXXX XXXX informed me that my account is an LLC and that I made payment to the defendant from the account which proves that it is an LLC account. XXXX XXXX stated that they will not be release no hold from my DBA account. There's no law that states that I can't pay certain people out of my account. I had to make an appointment with a local Truist branch in XXXX, Georgia and I provided them with all documentations to prove that my account is a DBA account not an LLC account. I provided them with documentation that m.y TIN on file with Truist Bank is my DBA account. I also provided IRS documentation of my TIN for my LLC which is not the TIN on my account at Truist Bank. My account with Truist Bank is an DBA account. I provided proof that my LLC with the State of Georgia was established on XX/XX/XXXX and my account was opened with Truist Bank was on XXXX.The amount of the judgement is different from the amount that is on the administrative hold. The amount once matched the judgement amount than after I had a disagreement with the defendant 's attorney the amount went up on my Truist Bank account. I will be pursing legal actions against Truist Bank because this have caused my financial hardship, mental distress and is causing my credit to be ruined because I'm not able to pay my bills all cause of ignorant employees of Truist Bank. Ms. comb is practicing out her scope by trying to make legal decision without using common sense that this is now putting Truist Bank at state for more legal actions.

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 monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: MI
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:
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 Account number:XXXX has violated my rights. Or 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation