BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: CA
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:
Experian Credit Bureaus. Stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they have also violated my rights under 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. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my Certified Mail Tracking XXXX  XXXX I have attached proof of my Certified Mail Receipt for Experian The account : XXXX XXXX # XXXX is still reporting on my credit report and this a violation of my consumer rights

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 2023-03-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. 
XXXX XXXX XXXX XXXX : {$0.00}

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 2018-05-08
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: Their investigation did not fix an error on your report

Complaint:
After Experian mailed me my results of deleting XXXX accounts from my credit report 3 days ago, I received today notice from Experian that they were going to reinsert the XXXX accounts back because Experian claimed I said I claimed fraud in regards to the XXXX accounts.Their claim is inaccurate because : 1 ) Reference XXXX complaint # XXXX, I said that XXXX XXXX was fraudulently reporting that they have possession of my student loans. They sold my loans to another servicer in XX/XX/XXXX and did not have possession since. I was implying that the 3 credit bureaus knew this fact and allowed them to continuously report to them. Thus not properly verifying the information. I stated in lamens terms that the reporting is inaccurate not fraudulent. 

2 ) I also found out that Experian placed a fraud alert on my account yesterday without my expressed written permission. 

3 ) Experian most likely was notified by XXXX about an account that I disputed as Fraudulent on my XXXX credit report, weeks ago. 

4 ) When I logged in to find who was my servicer of my loan, it was not XXXX. It was XXXX, who is the US  Department of Education 's   default resolution group. 

5 ) I have recently consolidated my student loans and another servicer that's not XXXX has possession of the loans currently. 

6 ) I disputed fraud on a different account I located on my Experian report. But the dispute was submitted on XX/XX/XXXX. So the re-insertion letter was not about the account I submitted a dispute for on XX/XX/XXXX because the investigation has barely begun and its too early in it to make a decision. 

Please see the attachments ( One of the screenshots is a sample of what is being reported across all of the loans ). I certify that the claims listed are true to the best of my ability.

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 2022-11-15
Company: SANTANDER HOLDINGS USA, INC.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
To whom it may concern, My name is XXXX XXXX and several years ago I entered a debt management agreement with XXXX XXXX XXXX to settle several accounts with Santander Bank, N.A. I made all the payments and I received my graduation packet from XXXX XXXX XXXX, XXXX, about a month ago I entered a Santander Bank with all of my paperwork to inquire about one of the settled accounts and I allowed them to make copies of my paperwork. I have not had any contact with this bank for at least a year. About two weeks after this I receieved an email telling me that my minimum payment was due. I have called repeatedly and faxed them proof that this account was settled by them and that they had taken payment as agreed in the settlement offer. The Law office that handllfed this for me has also sent them all the paperwork proving that the account in question has been settled. The Law office refuses to do anything further actions on my behalf. I have the physical paperwork showing the accounts were settled and I have all my emails showing that I made all of my program payments. I even have the emails showing that I did in fact send the account in question to the Law Firm to be settled. The have asked me if I wanted to set up a payment plan and I have declined. I have the fax proving that I sent them proof of the account in question being settled. In fact what they have done is pretend that the account was never settled and have added all the interest since it was legally settled too. I am a XXXX XXXX  XXXX veteran who has been dealing with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am only about three weeks recovering from XXXX  for this issue. I hav.e all the proof that the account has been settled and the Law office has already mailed they the proof several times. I hope your office can help me. I will be happy to give your office and records and proof if you require. 
Yours Very Respectfully, 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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-02
Company: Credit Control, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To date, I have received no notices of debt collection, to include my right to dispute, from Credit Control, in accordance with XXXX Notice for validation of debts. I do not owe any debt to Credit Control, or any company, Credit Control claims to represent. I have never had any account nor contract with Credit Control. I never received any written notification regarding debt collection, I never received written notification that an attempt to collect this alleged debt was occurring nor did I receive any written notification of my right to dispute this alleged debt within 30 days. This is a violation of the Fair Debt Collection Practices Act. I do not owe any alleged debt to Credit Control or any secondary company. And I intend to sue and seek damages for each violation of FDCPA if this is not rectified. 

I challenge the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls in attempts to collect a debt that I do not owe. I had the same issue with this company in 2019, and filed a complaint with CPFB. I am a XXXX veteran and I do not owe any debt and want the calls and attempts at collection to cease. If this does not cease, I will retain counsel and seek compensation for damages.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a letter to the TransUnion Credit Bureau XX/XX/2022 to update this suspicious information.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 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 2023-03-04
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: Information belongs to someone else

Complaint:
This account is fraudulent XXXX and needs to be removed XXXX XXXX XXXX This does not belong to me and i.dont recognize it

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 2023-03-04
Company: Experian Information Solutions Inc.
State: AK
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 requested from XXXX XXXX, Experian and XXXX to fully validate five ( 5 ) accounts on my credit report with my last letter dated XX/XX/2023. The only thing I have received is that the accounts are " verified '' without any statements or original contract supporting that the account and balances are in fact correct. 

The accounts are as follows : 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 2023-03-04
Company: Experian Information Solutions 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 XXXX XXXX  : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Inquiry ) 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 an account without my written instructions.

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 2020-05-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2020-11-06
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX XXXX, XXXX with a balance of {$5700.00} -This is not my 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 2022-03-13
Company: Experian Information Solutions Inc.
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:
The following information is what I sent XXXX and now the consumer reporting agencies. I am requesting the consumer reporting agencies update the payment history on the XXXX accounts to reflect on time payment history and to mail my complete file pursuant to 15 USC 168a ( g ). 

This complaint is for XXXX XXXX XXXX XXXX ( XXXX  ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts XXXX XXXX XXXX XXXX continues to report knowing that information is inaccurate and not reportable by Law. XXXX is infringing on my right to credit. XXXX is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to XXXX and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. XXXX has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the US District Court is needed to be filed.

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I cosigned a loan for my daughter, XXXX XXXX , back in 2007 to attend the XXXX XXXX XXXX XXXX for {XXXX. She has since graduated and has moved on to acquiring XXXX XXXX Degrees and now she is in the last year of her XXXX. 
She was XXXX XXXX XXXX at the time of the cosign and is now going to be XXXX  years of age in XXXX. 
I have asked over and over again for the amount of the loan be taken off of my credit report. 
She has made all payments with 100 % scoring. I have tried everything to get her loan amount off of my credit report. She has even called to have me taken off of that loan as a cosigner. Nothing has been done and we have exhausted all resources.

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 2023-03-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent out NUMEROUS letters to the Following Credit Bureaus. XXXX, Experian XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims!

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