BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX A XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$330.00} ; XXXX SELF-REPORTED XXXX Balance : {$17.00} ; XXXX XXXXREPORTED XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; Chapter XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # ending in 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 : I

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 2022-10-28
Company: Experian Information Solutions Inc.
State: AR
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:
EXPERIAN HAS AND CONTINES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. EXPERIAN IS DENYING MY REQUEST FOR METHOD OF VERIFICATION FROM RELATED ACCOUNTS BEING OPENED FROM IDENTITY FRAUD. EXPERIAN IS REQUESING FOR ME TO PROVIDE MY FULL NAME, DATE OF BIRTH, FULL SOCIAL, AND ADDRESS FOR THE LAST TWO YEARS FOR IDENTITY PURPOSES IN ORDER TO PROCEED WITH AN INVESTIGATION. HOW CAN EXPERIAN VERIFY THESE FRAUD ACCOUNTS BELONG TO ME IF THEY CAN'T SUCCESSFULLY VERIFY WHO I AM WHICH I HAVE ALREADY PROVIDED THIS INFORMATION SEVERAL TIMES AND WILL UPLOAD PROOF WITH THIS COMPLAINT TO SUPPORT MY CLAIM. THE ACCOUNTS ARE AS FOLLOWS 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 On XXXX I contacted EXPERIAN via XXXX mail with XXXX tracking Number XXXX ( received on XXXX ) REQUESTING AN EXPLAINATION OF METHOD, PROCEDURFE, OF VERIFICATION AND HOW THESE FRAUDULENT ACCOUNTS WERE INVESTIGATED UNDER FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I ADVISED EXPERIAN SINCE I HAVE BEEN A VICTIM OF IDENITY FRAUD, ANYONE WITH ACCESS TO MY PERSONAL INFORMATION COULD EASILY PERPETRATE AGAINST MY WILL. I AM AWARE OF YOUR AUTOMATED E-OSCAR CODE VERIFICATION SYSTEM, WHICH ONLY VERIFIES SIMPLE PERSONAL INFORMATION. I AM ALSO AWARE E-OSCAR FAILURE TO COMPLY WITH FCRA 611 ( A ) 2 BY NOT INCLUDING ALL RELEVANT INFORMATION REGARDING MY DISPUTES TO THE CREDITOR BY REDUCING LEGAL CORRESPONDENCE INTO A XXXXW0-DIGIT CODING VERIFICATION SYSTEM. EXPERIAN FAILED AND NEGLECTED TO RESPOND TO MY REQUEST AND CONTINUES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO 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 2023-04-18
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$80.00}, XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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. 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
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:
This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXX, cap oneXXXX XXXX XXXX etc. One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from my bank account to an impersonating account ( XXXX XXXX ) as well as a few very strange out of country charges. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes and followed up XXXX everyday but was told after ten business days I would receive a credit or someone would reach out with questions. No one ever called nor emailed, never wanted any documents. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. On the tenth business day of calling, I was yet to still hear from anyone and they couldnt located any of the 5 documents in emails I had sent ( I sent them again afterwards ). Shortly after I received a denial and was also asked to leave the bank. I have never felt treated so poorly and kicked to the curb in my life. I am not a rich person and am the victim of identity theft and at a loss over XXXX that was fraudulently taking from me account. Capital one treated me poorly and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, or look into the matter and just wait the ten days to deny and close my account. I still even sent everything to them again anyway showing I was scared and they showed no customer protection from a banking institution at all. Being a victim of identity theft made me feel 100x worse after the way capital one handled it and treated a customer. Now I am filing a complaint because Capital One is violating the Electronic Funds Transfer Act, which limits a consumers liability to { {$50.00} } if the consumer reports the loss within 60 days. I reported the loss to the bank the as soon as possible when I saw the theft had occurred. I would like for these fraudulent charges to be taken off my account and my money returned to me. Thank you very much for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. I am disputing this account for inaccurate information because you are reporting the date of the last payment incorrectly. 
You are reporting the date of last payment as XX/XX/XXXX while Experian is reporting XX/XX/XXXX. If this isn't reporting correctly then this means the date of first delinquency is wrong as well as manipulating the statute of limitations XXXX XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) 2. Remove these late payments because I was never 30 days late in XX/XX/XXXX I was only 27 days late XXXX XXXX Account Number : XXXX Please submit onto XXXX Form and please remove late payments under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.

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: CO
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:
On XX/XX/XXXX, I contacted XXXX, Equifax, and XXXX representatives concerning the likelihood of false accounts being established using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three firms advised me on how to keep track of things and complete an FTC form. I sent my information on XX/XX/XXXX. Even though I had filed my letters more than 30 days previously since they had been " verified, '' the accounts that were not mine were still shown in my documentation. This situation bothers and concerns me because it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I called the XXXX firms again to inquire about how they could certify that these accounts belonged to me. They told me to contact the debt XXXX directly because they couldn't help me any further. Every bank that the client dialed at the same time and forwarded to me had been dialed incorrectly ; they had no idea who I was or what the accounts were about. An online verification was completed to ensure that I had not made a mistake. My buddies advised me to visit the CFPB website. I'm hoping this works because my family and I desperately need the house we're trying to buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: ACIMA CREDIT, LLC
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: Information belongs to someone else

Complaint:
While reviewing my XXXX  credit report, I noticed two installment loan accounts that did not belong to me from Acima Digital FKA Simple Acct # 's XXXX for {$5000.00} opened XX/XX/XXXX and XXXX for {$4700.00} opened XX/XX/XXXX. I have never conducted business with this company and never provided my personal information. I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Maximus Education, LLC dba Aidvantage
State: WV
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:
The issue I have in my case is pretty straight forward. On XX/XX/2022, I requested that my former loan service provider, XXXX XXXX, refund my student loan payment ( s ) that I made during COVID and to reopen my loan balance so that I could apply for the Temporary Public Student Loan Forgiveness ( TPLSF ) Program. The total amount I paid was {$26000.00}. This closed out my student loan balance at that time. This closed out my student loan balance at that time. The payment was processed on XX/XX/2022 by XXXX XXXX, which is the first date that one could request a refund of a payment. 

Under the rules of the COVID Relief and what not, borrowers are allowed to request their loan payments made during COVID even if it paid the balance in full. I also filed my TPSLF at the time I made the request to have my COVID payment ( s ) refunded to me. 

I made this request not only via email, but over the phone and I also sent a certified letter ( I have all of my documentation, including the return receipt ). I followed up with XXXX XXXX at the end of XX/XX/2022 and was told that my payment had been reversed ; and, therefore, my account had been transferred to AidVantage  on XX/XX/2022. 
To date, I have heard NOTHING. I never received a closeout letter from XXXX indicated that the new balance was transferred to AidVantage and certainly nothing from AidVantage. I never recieved a payment either of the refunded payment amount. I tried to contact XXXX XXXX and there is no way to contact them. 
I have several screen shots from my XXXX XXXX account when it was still a viable entity, but they completely wiped out my account at a certain point so that none of my history was located in the account. 

I have tried to contact AidVantage repeatedly and they have no record of me. This is getting utterly frustrating and there is no way for me to fix this issue without filing this complaint b/c I seem to be lost in the abyss. 

Attached please find a copy of the certified letter I sent XXXX XXXX back in early XXXX asking for the refund to be processed well within the timeline required. I also believe I have emails from XXXX XXXX when I sent the requests via email as well ( that they did not ever respond to ), but I would have to locate them. I also attached a couple of additional supporting documents to better support my position. 

PLEASE SOMEONE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: NV
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 name : 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.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I did'nt pay and was marked late because this clearly a billing error. 

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ).

Damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly.

Im depressed and XXXX after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 
Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life. I demand you to correct this to paid as agreed or risk being under litigation in federal court

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