BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: MO
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 am writing to express my deep concern and frustration regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account with Credit Bureuas. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my account. 
Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the removal of the fraudulent charges. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the fraud items in my credit file : 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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated and corrected immediately : 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 non-monetary relief
Consumer complaint received 2021-08-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Account owner : Individual Account Date reported : XX/XX/2021 Date assigned XX/XX/2021 Account Status : Unpaid Creditor Classification : Cable/Cellular Original Amount : {$790.00} Original Creditor : XXXX  ; last four of account number : XXXX Collection Agency : XXXX XXXX , XXXX Status Date : XX/XX/2021 The above information is reported on my EQUIFAX Credit Report. The last for digits of the XXXX  account in question is not my account. I have called Equifax several times trying to obtain additional information that would show that this debt is mine. I have also filed XXXX complaints with Equifax. Thus far, Equifax has refused to provide any additional information. 
I have also contacted the original creditor ; XXXX. My actual XXXX  account number is XXXX, not the one listed above. They have no record of my account ever having been past due. I have also called the collection agency ; XXXX XXXX , XXXX, they can not find an account with any of my information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 explanation
Consumer complaint received 2020-03-24
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:
Today XX/XX/20 I was made aware of an account that was opened in my name without my permission ; The only reason I found out about this account is because I applied for a credit card and I was not approved due to this account being in negative standing. The account is from a company called XXXX XXXX XXXX. I did not open that account and I did not allow anyone else to open that account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments made towards this account. I have filed a police report regarding this unauthorized 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 2021-09-22
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 took out one loan with XXXX  XXXX XXXX. It was disbursed on one date and paid off other loans. Like a credit card that is used for multiple items at different stores, it is one trade line. When a credit account goes to collections it remains one tradeline. Same for a loan. I am submitting page two of the Department of Education Default Resolution Groups response to my local Congressman confessing they took that one loan and are reporting it as two tradelines. Clearly it is inaccurate and false reporting by multiplying and compounding adverse affects to my credit file. If they want to count them as the original subsidized and unsubsidized loans seperately those loan dates should be used and it would be far too old to remain on my credit.

I am including screenshots from the Experian website. NOTE NOT A THIRD PARTY WEBSITE. These screenshots verify the account was sold to another collection agency in XX/XX/XXXX. This is why it is showing closed with XXXX balance. This is the reason the original creditor is no longer on my credit report. It was sold to Dept of Ed Default Resolution Group and aged off my report in 5yrs because paid collections fall off 5yrs from first delinquency in NY. Since Dept of Ed Default Resolution Group sold to another agency who's address is on credit report under section Labeled CONTACT. XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX. I will also attach screenshots of the department of education. EDU website showing this address is not found anywhere in department of education. I will also include a screenshot of a web search for this address. It shows a lawyer/collection agency. There is also a statement on credit file under status Status A brief message describing your payment history with a specific account. 
" Seriously past due date/ assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department '' Screenshot also included.

Since the clock does not reset it should be removed 5yrs from first delinquency XX/XX/XXXX. In this case it should be removed within a few weeks. I have requested early exclusion on good faith because the Department of Education Default Resolution Group had been falsely reporting additiona tradelines.

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 2021-02-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Although your response wasn't satisfying but thanks for taking the time to do so! I just got off the phone with your agent who won't transfer me to a supervisor! She did request to see where the ticket was for {$200.00} ( I will be attaching that info to this email )! Not only you sent the ticket to the old address because database error in your system but you also didn't pay it on time and waited for the ticket to accumulate late charges making the amount {$400.00}! Why is it so hard for you to admit you sent the ticket to the wrong address and waited for late charges to accumulate instead of waisting my time trying to confines an unprofessional department that it's your fault and you should take responsibility for you lake of communication!! I need to talk to someone who can make decisions and stop asking me to call your XXXX number and speak to random agents who can't make decisions/wo n't transfer the call to a supervisor nor acknowledge your mistake and apologize for the inconvenience this issue had cost me " My number : XXXX ''! This department shouldn't be called customer service but rather money hungry department that can't see beyond the computer 's screen monitor! " One piece of advise if you can understand it : we make machines to help us not control are decisions ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had an account with Midland credit management on auto pay for over a year now. Always paying as agreed. I got a new debit card from my bank, my old one expired on XX/XX/22. All of my XXXX payments went through, no problems, except this one with Midland. On the XXXX they say it didn't go through. They then turned it over to collections on XX/XX/22. I tried to get them to fix it and put it back how it was and pay the " late '' payment if they removed it from my credit report like it was before. I was told they would not remove it unless I paid it in full. Now my credit is being affected because they reported it, and it was not my fault the payment did not go through, my card was valid until XX/XX/22 And then I activated the new one I received. I just want it put back how it was and continue my payments without it being on my credit report. I have screenshots of the entire chat with an account manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian XXXX : Is practicing false credit reporting and violating my privacy, slandering my reputation as a consumer. Specifically : They are reporting by way of Dept Of EdXXXX XXXX Experian is reporting XXXX  as XXXX  days late ( no XXXX, XXXX? ), if so please provide documents for that as well. I have asked and am again ( willful negligence ), for proof of this ( bank statements ), or update to paid ok. If the company can't provide proof ( statements ), update to PAID OK. Additionally, Experian XXXX is reporting that Dept. Of Education XXXX  reporting under WORST DELIQUENCY ( NO DATE ), that the account was XXXX  days or more past due. Please provide paper documentation that verifies this and not just " parriott '' XXXX. XXXX ( XXXXXXXX XXXX XXXX. ). 
I am further requesting {$1000.00} compensation as per the FCRA for false, inaccurate credit reporting, that is damaging to my reputation and privacy. Makimum possible accuracy isnt being used to report my information as Congress has dictated. 
Lastly, the balance should be XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, a XXXX transfer of {$220.00} was made to my account without my authorization. I reported this fraudulent transaction in person at my local TD Bank branch and filed a claim for reimbursement. After a delay of several weeks, I received correspondence from TD Bank denying my claim without much detail. At the time I reluctantly accepted that decision assuming I had no recourse. However, I recently discovered an article in the XX/XX/2022 edition of XXXX XXXX XXXX XXXX ( copy enclosed ) that reported the following : Banks are not repaying customers who contest unauthorized XXXX payments. This practice potentially violates federal law and XXXX XXXX XXXX XXXX ( CFPB ) rules. 
XXXX claims to have a XXXX-liability policy for cases in which a bad actor gains access to a consumers XXXX account and uses it to make unauthorized payments. 
The Electronic Funds Transfer Act ( EFTA ) and the CFPBs Regulation E require that banks repay customers when funds are illegally taken out of their account without authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Acct : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Acct : XXXX, XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX XXXX Acct : XXXX, XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX  Acct:XXXX, XXXX XXXX XXXXXXXX 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 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 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Three months ago I received your correspondence on this alleged account stating your verified / updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2023-10-18
Company: Experian Information Solutions 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:
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.

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 inaccurat
e.

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 2023-02-26
Company: Marlette Funding, LLC
State: NY
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: Reporting company used your report improperly

Complaint:
MARLETTE FUNDING accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : VERIZONTEL Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Theses accounts do not belong to me I am a victim of identity theft.

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 2022-08-17
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX was a total loss in XXXX of XXXX. Insurance paid the total amount expect for {$1500.00}. I paid {$1500.00} as of XX/XX/XXXX. Also was told it would be corrected on my credit after 10 days. Which thats incorrect because its still showing a repo.

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 2018-02-19
Company: Experian Information Solutions Inc.
State: NJ
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:
There was a collection deleted from my credit reports in XX/XX/XXXX. On XX/XX/XXXX Experian reinserted the collection to my report. I never received any notification from them regarding the reinsertion. I contacted Experian on XX/XX/XXXX and requested this collection be deleted because it was never validated and I was never notified by them of their intention to reinsert this item to my report. On XX/XX/XXXX Experian responded with their results saying only the company, XXXX XXXX, certified the information is accurate. I have never received validation on this debt or notice of reinsertion from Experian, therefore I am requesting this item be deleted immediately 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 explanation