BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
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:
XXXX ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due and the property has been sold and this account has been settled. I have attached pages 3 and 4 of the court ordered settlement ( Divorce Decree ) which clearly shows that this property no longer belongs to me. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2023-09-28
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt has already been settled in court it was also sold to a third party so I don't owe them anything, discover bank keep reporting the debt to the credit bureaus and it keeping my credit score down, I have prof from the court that the debt has been discontinued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The last date payment made on this account for XXXX XXXX was XXXX XXXX. It is reporting as a charge off and closed, XXXX ( a ) ( XXXX ) .They placed the account for collection or charged it to profit loss. That is fraud to write it off as a loss then trying to make the consumer pay them. The charge off balance at the time of charge off was {$260.00}. For XXXX it was reporting as {$260.00}. Now the balance is reporting {$440.00}. How can a charge off account balance increase when it is charged off? I have asked for verification and validation of this debt from XXXX XXXX and I have not received anything but the credit bureau stating that the account has been verified and to call XXXX XXXX, which I did and they send me from XXXX person to the other or tell me that the person I need to talk with is not in or to call back later in the week. The XXXX XXXX XXXXXXXX for XXXX XXXX is time barred after XXXXXXXX XXXX have passed. XXXX XXXX 3-530.They are in violations of my rights as a consumer. XXXX. ( XXXX section XXXX ) this is a bearing on my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. XXXX. XXXX The collection of any amount XXXX. XXXX ( XXXX ) ( A ) - the false representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen and used by an individual that I knew well multiple times. I reported this to Capital One when I first discovered it in XXXX of 2019. They took my information and over a month later denied my claim for the amount stolen, {$2900.00}. I asked them to send me the information from the investigation. They sent pictures of the person using my ATM Card, and pictures of me using the card on different days. They refused to let me appeal. a month or 2 later, the same individual got my credit and debit card account information and stole even more money from me. I asked capital one to not allow my accounts to be used at all, and they refused. My new credit cards were shared with various merchants, which allowed this individual to get the new information and keep stealing from me. They paid my claims the second time. I asked for the investigation information, and they refused to give it to me. Meanwhile this person was stalking me, broke into my house, and was continuing to try to use the cancelled cards, which caused repeated emails to be sent to me, and opening various accounts on the internet with my information. I could not get this to stop until I closed my checking, savings, and credit card accounts. This caused a huge problem because I had several accounts on autopay, and even when I paid those accounts on time with a new account ( which took 1-2 weeks to fully set up ), I was charged NSF fees simply because the account was closed. I asked capital one to cover these since otherwise I could not stop the fraud from continuing, and they said no. I called several more times to try to get the information about the person using my account, and capital one said they could not disclose it to me because it was private. After spending hours contacting various vendors, I was able to get the information and verified that the same person was responsible each time. This person has seen been exposed as a career con artist and defrauded many people as well as imitating wounded warriors charity and receiving several thousand dollars that way. He is now XXXX  on unrelated charges, but capital one has refused to give me any information to bring to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NC
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 received my credit report on XX/XX/2023 and I noticed there were hard inquiries that do not have permissible purpose to be there. These hard inquiries are hurting mefor getting approvals for credit. I have reached out to multiple agencies about this and the issues hav not be resolved. My rights are still in violation under 15 USC 1681B. Iam attaching the hard inquires in question that have no purpose on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my credit report Experian is showing an address of XXXX XXXX XXXX XXXX XXXX and a PA address of XXXX XXXX XXXX XXXX XXXX, XXXX. I have never lived at either of these addresses. 

Also on my credit report due to Experian 's error XXXX XXXX XXXX has a {$6800.00} balance as a collection account - I have checked ti the other credit agencies and they do NOT have this collection account or this address on my report. 

I sent a copy of my XXXX credit report so that Experian could verify this. Further, XXXX XXXX and XXXX have removed the XXXX XXXX XXXX address from my credit file ; Experian is the only credit reporting bureau that refuses to remove the information.

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: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Experian continue to violated my federally protected consumer rights. 

After filing my dispute with Experian verifying this account was accurate and complete, I found several inconsistency reporting on this account XXXX XXXX XXXX XXXX XXXX XXXX  It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item for reporting inaccurate last active date because Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. All three can't be accurate. Consumer reporting agencies must be consistent and not merely parrot the furnisher information. 

15 USC 1681i ( 4 ) and 15 USC 1681i ( 5 ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-08-11
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: MOHELA
State: PA
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:
Yet again, MOHELA demands we pay our bill on time, yet they have no accountability in their end. MOHELA does not update their PSLF records to reflect my payments. I paid XXXX bill in early XXXX, yet my payment counts do not reflect that. If MOHELA can require my payment in XXXX why cant they update their records?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: MOHELA
State: PA
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:
My husband has been paying on our XXXX XXXX loans via Mohela and they have not posted. Yet, interest continues to accrue. 
We were put on administrative forbearance and yet interest continues to accrue and was told it wouldn't due to Mohela 's error in sending out statements. 
. 
We also applied for the XXXX XXXX in XX/XX/2023 and it is still processing. 

Incredibly long wait times on phone waiting for customer service at Mohela. Email responses to questions are " canned '' and do not answer my questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: KY
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:
I purchased a car and used XXXX XXXX  as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me. 

The car has been reporting 120 days late since XXXX XXXX XXXX This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right.

This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: WI
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:
On XXXX I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and when I pulled my report again, I noticed that there were no changes and I had not received any response. The items were still reporting incorrectly. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. After being ignored, I sent the letters out via certified mail to ensure you all received them, and when they delivered on XX/XX/XXXX, I finally received a response. You stated that the accounts were verified and accurate. My question is, how can the accounts have been verified if they are STILL reporting inaccurately on my credit profile? The disputes have not been resolved and I demand that each dispute is re-opened, reinvestigated and deleted. I want complete copies of every action taken to resolve this matter. This is a violation of my rights as a consumer! To expedite the process I have also included screenshots of my current credit profile which shows the inconsistencies that you are reporting on my profile.

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 2023-07-13
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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2023-08-03
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-05-19
Company: EQUIFAX, INC.
State: GA
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:
The scoring models used by the credit agencies are CLEARLY FLAWED as shown last XXXX when Equifax reported millions of inaccurate scores to lenders and absolutely damaged consumers. 
The use of SCORES should be abolished and we should return to the days when a lender actually had to look at the report, study the person 's creditworthiness, and make a decision. 
I plan to file legislation through my Congresswoman to abolish all credit scoring. 
The bureaus should opt to remove it themselves PRIOR to this because a class-action will be part of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-06-07
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: Old information reappears or never goes away

Complaint:
XXXX provided inaccurate information on my credit screening. 
incorrect employment XXXX this old information. 
incorrect filed information with addresses affected by rental history i never lived at XXXX XXXX XXXX XXXX XXXX az in XX/XX/XXXX. 
Revolving is not an open account this was bank account nothing related to having to affect my credit scores they went out of business in Arizona. 
XXXX XXXX XXXX OFF CURRENT BALANCE XXXX CLOSED XX/XX/XXXX PAID OFF XXXX XX/XX/XXXX XXXX  ACCOUNT- DIRECT DEPOSIT INACCURACTE BALANCE THIS IS NOT A CREDIT REPORT SCORE XXXX XXXX XX/XX/XXXX CREDIT CARD NEVER APPLIED FOR A CREDIT CARD NOR RECIEVED A CREDIT CARD PREMIUM NATIONAL CIVIL COURT RECORDS -NEVER WENT TO COURT FOR ANY OF THE LISTED CASES ON THE RENTAL HISTORY THIS WERE JUST 5 DAY NOTICE FILED THROUGH APARTMENT COMPLEX IF NOT PAID IN FULL BEFORE THE 5 DAY NOTICE AND I ALWAYS PAID IN FULL BEFORE THE 5 DAY NOTICE. 
RENTAL HISTORY IS REPORTED ON XXXX  FROM XXXX THIS IS VERY OLD INFORMATION TO BE ON MY REPORT. 
XXXX ACCOUNT INACCURATE DATE INFORMATION OF THIS ACOUNT SHOWS IT WAS OPENED IN XX/XX/XXXX FOR A XXXX XXXX THIS VERY INACCURATE DATE INFORMATION

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 2023-08-04
Company: Experian Information Solutions Inc.
State: PA
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 previously disputed the accuracy of these account with the Credit reporting agencies and XXXX. Specifically, i disputed with XXXX via the CFPB XXXX and XXXX is still using my nonpublic information. My personal information was shared without consent. On top of that, they are reporting incomplete and inaccurate details. 
I want the accounts removed from my consumer profile. Experian alleges that XXXX verfied these account as accurate Affidavit of truth attached. Experian report attached

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