BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: OH
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:
on XX/XX/XXXX I went online and pulled my annual free credit report this included XXXX  's, XXXX  and Experian information on my credit. I then disputed a number of accounts they listed were still open that should have been closed, i.e. XXXX  XXXX XXXX XXXX XXXX which is an account I closed on my behalf last year. XXXX  and the others is showing that this account is still in my name. Also XXXX and the others is showing that I still have an auto loan with XXXX XXXX from XX/XX/XXXX. I disputed this online at their web site that this account is paid off and should be closed. When I checked XXXX  and the others again this week I found that they did not correct the XXXX XXXX XXXX or the XXXX XXXX account and correct this infomation.

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 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I submitted a complaint on XX/XX/XXXX regarding a dispute that still has not been resolved. On the XXXX of XXXX I received an email stating my accounts were closed. I went to the bank and was told my account is under investigation since I filed a complaint with CFPB and I couldnt get my funds until the investigation is complete which could take up to 90 days! So they close my account with ALL of my money in them and then wont give me my money. So how do I survive with NO MONEY AT ALL! Capital one didnt list a single thing wrong with my account only that I filed a complaint with CFPB. I havent even had overdraft fees on this account Capital one is upset about my complaint and retaliation against a consumer is not ACCEPTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
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. 

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 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 section 604 a section 2 : it also states consumer reporting agency can not finish 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 conviction of crimes which antedated 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 agency agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-11-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have one name and one address the company continues to report incorrect addresses after providing proof of my current address. I want all other addresses and names removed

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 2020-02-13
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have Power of Attorney for my Father on this account. In year of XXXX it was documented a mortgage loan of XXXX was not taken out by my Parents. How it was done we don't know. Their signature is up on the contract but it's impossible for them to say it was a mortgage loan because the land and house was paid for by parents. XXXX XXXX  is the company who said they owe {$53.00} for mortgage which they never financed that amount for them to borrowed or given for anything. I see also this account was given to them by XXXX XXXX  .Then XXXX XXXX  in XXXX turned this loan over to Ocwen Mortgage XXXX and in XXXX, the month of XXXX, Ocwen turned this loan over to PHH Mortgage. I have been Informing them that this could no way be my parents loans legally. No money was borrowed against this property or was used as collateral for any purpose. I believe this loan was fraudulent from the beginning. My parents were not aware of these situations going on. My mom passed in XXXX and my dad which Is XXXX years old with health issues he don't need this burden. I want our property back from their clutches and payments that were paid over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WAS IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

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 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these collection accounts ( XXXX  XXXX  -ACCT # XXXX, XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, MICHIGAN XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: MO
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:
Experian stole 17 months of on time never late payments to XXXX and refuse to give them back and then they tell me my scores are out of date but if I pay them XXXX they will update my scores proving they deliberately show an out of date score to put worthless credit cards

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 2023-11-29
Company: Experian Information Solutions Inc.
State: LA
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2020-02-13
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:
Experian refuses to remove information that was shown and proven as identity fraud. I have called and faxed over the supporting information. 

XXXX XXXX XXXX, was a fraudulent debt under the name XXXX that was already removed, in which they sold the debt and renamed it. I called and advised this and they have ignored my request and proof which can be seen in previous reports from 2018. 

XXXX  XXXX XXXX  was an account fraudulently opened I have a security warning on all my credit reports requesting the companies call and verify that it is me they are speaking with as my identity was stolen and was reported to all credit bureau 's. 

XXXX XXXX Was a debt that was belong to my previous Land lord in which I provided proof via text in which he admitted that he did not switch the electricity out of my name once I moved There are also double inquiries on my report which should only appear once I have contacted them about this and they have yet to be rectified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 U.S. Code 1681Congressional purposes, it is the purpose of the subchapter to require that consumer reporting agencies adopt reasonable procedures, for meeting the needs of commerce for consumer credit, personal insurance, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter. 
There exist an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts, congressional purposes, and reasonable procedures prove that I have received a delivery of goods come to my home and search for the goods they say I received in possession of the goods or come and see my computer or tap into my bank account so you can see what these alleged possessions are as an a requirement under 15 US code 1681c-2 ( c ) ( 1 ) ( C ). please prove this hearsay is not admissible. This is according to federal rules or procedure and evidence. Therefore, these accounts must be removed. You can not lawfully prove that I received any delivery of good services in money. These accounts are not related to transactions by meet the consumer, therefore as a result of this identity theft, these transactions must be removed and blocked.

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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My problem pertains to a 90 day late error on my XXXX loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called XXXX and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by XXXX but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
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:
I have inquiries on my credit report that are false and did not come from me. I have inquiries from the following that I did not inquire about : 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 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 2023-11-29
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX - XXXX is not accurate.please remove this inaccuracy from my report XXXX  - XXXX doesn't belong to me. please remove it from my credit report XXXX - XXXX doesn't belong to me.please remove it from my credit report 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 2018-10-04
Company: The Bureaus, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used a credit repair agency take care of the only collection on my credit report. The bureaus Inc. could not verify the account belonged to me therefore it was removed from my credit report previously. XX/XX/2018 the collection company started reporting to my credit report once again, hindering my ability to proceed with a mortgage loan. If they were unable to verify the account belonged to me, I want to see the proof to verify the debt. I currently have an open credit card with XXXX XXXXXXXX ( the original creditor according to the bureaus inc ). I dont want to see my information verified for an account not verified belonging to me with information from my open credit card. I should be protected against the unlawfully verifying of a debt under the fair consumer reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TD BANK US HOLDING COMPANY
State: FL
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:
Someone is applying for cards .... refi of my cars... trying to get into credit unions and bank cards .... but it seems they are using my address... .. which makes no sense. 



Removing 60/80 inquiries .... too much to mention .... had fraud alert placed on my report ... .. all 3 bureaus complicit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
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: Personal information incorrect

Complaint:
There are a number of addresses on my credit reports that are not mine. I am attaching my current driver 's license with my current address. I've contacted the three reporting agencies and requested that the addresses be removed and they advised that they could not remove them. Per the FCRA I am entitled to fair and accurate reporting in all areas of my files.

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 2020-02-13
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notification in 2018 that I owed {$120.00} to the XXXX XXXX XXXX  XXXX XXXX office. I stopped by and paid this amount in FULL at that office. Apparently the office sold the account to a bill collector. After it was disputed and found to be paid by the first debt collector, it was sold to another. 

As a result, I keep getting NEW bills for the same item that has already been paid. This is credit dispute XXXX and I am so very tired of having to deal with this. I have sent a letter to the newest company who was sold this false account ( Credit Service Company , Inc ) and have not receive any reply. 

I am hoping that you can find a remedy for this issue and stop this endless harassment for a bill already paid. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: NV
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair the items from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the misleading information on these accounts : 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