BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
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: Account information incorrect

Complaint:
XX/XX/XXXX I am requesting that you re-investigate the inaccuracy in the information that your credit bureau has investigated this last XX/XX/XXXX, regarding my car loan debt. The debt in question was incurred with my bank three years ago and was subsequently charged off for an amount of {$5100.00} back in XX/XX/XXXX. 

I have noticed that my credit report now shows a different amount of {$6100.00} which is an inaccurate balance. I have no record of any further activity or transactions related to this loan after it was charged off, and I was not notified of any additional charges or fees. Therefore, the reported amount of {$6100.00} is incorrect and should be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1666 you are required to maintain reasonable procedures to ensure the accuracy of the information in my credit report and I have the right to dispute the accuracy of any information in my credit report that I believe to be incorrect.. However, the continued listing of this inaccurate balance despite previous investigation suggests that your procedures have not been adequate in this 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 2023-10-30
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal 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 2023-07-05
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: Personal information incorrect

Complaint:
Please consider this a formal Request for Early Exclusion of the Accounts below from my Credit Report. Please investigate and correct inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid, Closed. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely,

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 2023-07-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update 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 explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, 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:
This complaint is filed against all XXXX credit bureaus of XXXX, XXXX, and Equifax for reporting incorrect information and incomplete information on my credit reports on said account of first premeir under account number XXXX that shows a high balance of XXXX. Account has been disputed with all XXXX bureaus and was verified as corrector accurate.A copy of the XXXX XXXX XXXX XXXX XXXX credit report is included so the account can be side by side by side so all errors and discrepancies can be verified. The said errors are : XXXX. XXXX reports no late XXXX, XXXX, or 90 days late. XXXX reports XXXX 30 days XXXX 60 days late and XXXX 90 days late. Then Equifax reports XXXX 30 days late, XXXX 60 days late XXXX 90 days late. No way was the consumer XXXX 90 days late. All differ and can't be clarified as correct and verified. XXXX. XXXX and Equifax report highest balance as XXXX. XXXX reports XXXX as highest balance. All can't be correct. XXXX. All three report different dates of last activity. XXXX shows XXXX as XXXX. XXXX reports XXXX as XXXX. Equifax shows XXXX as XXXX. All are different and all can't be correct. XXXX. Both XXXX and XXXX show date of last payment as XXXX. Equifax shows date of last payment as XXXX. All don't match. XXXX. Both XXXX and XXXX show credit limit as XXXX. Equifax shows credit limit as XXXX. XXXX. Date last verified is missing on both XXXX and Equifax reports. XXXX. Date closed is missing on both XXXX and Equifax reports. XXXX. XXXX report under dispute status says account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. XXXX. XXXX report under Creditor 's Remarks says account is disputed. No dispute exist or pending and been concluded. Once dispute is over, XXXX is to immediately delete any codes or remarks for dispute. XXXX failed to delete dispute remarks/codes from account. XXXX. XXXX reports account not disputed under Dispute status. Contrary on same report under Creditor 's Remarks it says account disputed. Both differ and can't be correct. 11. XXXX report says account disputed. No dispute is pending and has been concluded. Once dispute is over, XXXX was obligated to remove all dispute remarks or codes from account which was neglected to be done. 12. Equifax report shows account disputed under Dispute status and under Creditor 's Remarks. No dispute exist or is pending and has been concluded. Once dispute is over Equifax was obligated to remove all remarks or codes pertaining to dispute and failed to do so. All errors should result in deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Recently, I received a refund check in the amount of {$35.00} from Capital One, a refund of an overdraft fee charged to XXXX checking account now closed, account number not available. The account was closed in 2017, the remaining balance in the amount of {$4200.00} not received. I've since moved to new address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. In case check sent to prior address, it was not received. My prior address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Refund check was mailed to current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/ after checking my mail from Experian about an investigation done for disputed inaccuracies on my credit report it has been brought to my attention that Experian did not perform a full investigation on the items that came back verified, which is unfair to me as a consumer, since their company plays a vital role in my reputation and credit worthiness and they assumed this role without any of my written permissible purposes.

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 2023-06-17
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:
Account # XXXX. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
Company: EQUIFAX, INC.
State: OH
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 tried contacting Equifax multiple times over the phone to inform them that I am not longer disputing and account on my credit report and with to remove/withdrawal my dispute against Ohio Department of Human Services. I never seem to get anyone on the phone who speaks English well enough to understand so I have disconnect. For these reasons I have to file a complaint with CFPB against Equifax for refusing to withdrawal my dispute against Ohio Department of Human Services. I have included with this complaint copies of my drivers license, social security card and proof of residency. These required documents are sufficient to prove my identity to remove/withdrawal my dispute against Ohio Department of Human Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Flagstar Bank, N.A.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Flagstar in XXXX. All notifications were sent to the rental property address not my mailing address. My tenants threw out the mail, thinking it was junk mail. When the mortgage was sold, Flagstar did not make sure the information used by the prior lender was accurate in their records. The former mortgage company DID have a different mailing address that they used to mail me statements for more than five years. The correct information was available to Flagstar. For two months my auto payment was forwarded by the prior lender to them and no-one checked to see why I hadn't changed where I was sending my payments. When I was called about collections, they wouldn't tell me why they called and which mortgage it was in reference to, they were dismissive about my frustration and failed to see how their system of not obtaining correct mailing address information was a problem. ( What if my property was rural and my mailing address was a po box . ) Their customer service was bad. I asked to talk to a supervisor and she was rude and blamed me for not noticing that my auto payment was returned. The whole experience was frustrating and made me feel like it was set up to obtain financial penalties.

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 2022-02-02
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: Their investigation did not fix an error on your report

Complaint:
*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXX. The Fair Credit Reporting Act, XXXX XXXX. XXXX XXXX XXXX states accurate information must be reported Please delete this bankruptcy from my 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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
TransUnion has a Renters Credit Score of XXXX that I was never aware of I have been keeping up with the information on my scores and currently my TransUnion Score is XXXX on my current Transunion account / My credit karma account and my nerdwallet account all of them have accurate score. During a couple recent Tenant screening I was denied based of of credit Screening. Then I Did about my 5th Application ranging from XXXX Dollars per Application, I took a look at my Screening for XXXX, XXXX XXXX XXXX {$39.00} My Score was in fact XXXX with all the recent inquires looking for a rental. I reached out to TransUnion Who I had been calling every 3 moths regarding the inaccurate credit reporting/ old accounts being transfered to look new and not deleted. I first started my Rental search XX/XX/XXXX and was denied for several applications. I expressed to TransUnion that they were effecting my ability to have a better quality of life. I was told to put in Disputes and with every dispute, it was never resolved. TransUnion told me that my XXXX score is my Current score but that TransUnion created another score for Renters Credit that they provided to Landlords which decision making factor in A Landlord rejection and approval of my credit scoring application. I asked them why I could not see this new score they said that it was note a score that XXXX or XXXX use for all consumers, this was a score that ONLY TransUnion created that is not published thru TransUnion member services just for Landlords. TranUnion also stated that the information to come up with the renters credit was not reflected on Fico information i.e. in the Employment section the Renters Credit had employment for XXXX I have not worked there in 11 years but TransUnion.com Has my current Registered Business as my current Employment .TransUnion Has violated my Consumer credit rights with a secret score and inaccurate informations to get that score that ensures the denial of my ability to rent a unit.

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 2017-04-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A collection agency listed on my credit report as XXXX is reporting to my credit AGAIN. It has been previously removed because it was deemed not to be mine. Company could not verify any of my personal information when contacted.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the inclusion of inaccurate public information on my credit report, specifically regarding a XXXX account with the account number XXXX. I believe that this information is in violation of federal law, as outlined in 15 USC 1681. 

Upon reviewing my credit report, I noticed that the XXXX account mentioned above is listed, and it is inaccurately reported.. 

I kindly request that you investigate this matter thoroughly and take the necessary steps to rectify the inaccuracies promptly. As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is crucial that information on credit reports is both accurate and fair. The inclusion of false XXXX information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I request the immediate removal of the erroneous XXXX account ( Account XXXX XXXXXXXX ) from my credit report. I trust that your agency will conduct a comprehensive investigation into this matter to ensure that my credit report accurately reflects my financial history. 

I am prepared to provide any supporting documentation or evidence that may be necessary for your investigation. Please feel free to reach out to me if you require any additional information. 

I want to express my appreciation for your attention to this matter. Accurate credit reporting is vital to maintaining one 's financial standing, and I am confident that your agency will handle this dispute with the thoroughness and expertise it deserves. 

Thank you for your prompt attention to this issue, and I look forward to a resolution in a timely manner.

Sincerely,

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 2023-07-05
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Please correct the following items. Thank you. 
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 2023-07-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. The reason for the inaccuracy is listed with each account. This is inaccurate and needs to be corrected immediately. 

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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've revealed many times now that I've been a victim of identity theft. You must remove/block any items opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA 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 non-monetary relief