BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-01
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: 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 confidentially under 15 USC1681. 

Account name : XXXX, Acct. # XXXX, Account name : XXXX XXXX XXXX XXXX acct. # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A Section 2 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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 explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-18
Company: EQUIFAX, 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:
" The story concerns the   XXXX   loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month.
Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default.
These were not loans, but neutron bombs with a long fuse. And roughly half a million borrowers took these   XXXX   loans under false pretenses from   XX/XX/XXXX - XX/XX/XXXX  .   XXXX   XXXX   and its subsidiaries sold the loans, but when    XXXX   XXXX    bought  XXXX  at the end of   XX/XX/XXXX ,  they assumed responsibility for them.
Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because   XXXX   XXXX   were designed to fail, and because  XXXX  never disclosed the consequences,   XXXX   XXXX   was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows   XXXX   XXXX   to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against   XXXX   XXXX   back in XX/XX/XXXX  when their predatory lending practices came to light. The home equity loan was an instrument of  XXXX    XXXX   home loan, which was transferred in   XX/XX/XXXX  un der Account  XXXX  while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning   XXXX   to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
RE : Warning to Remove lncorrect ltems from my Credit Report Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law.

I contacted the court, and their response is enclosed.

It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C. 5 16811 ), and the information must be deleted immediately.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) it you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-11-02
Company: Experian Information Solutions Inc.
State: SC
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 filed a dispute with XXXX, Experian, and XXXX credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. XXXX has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

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 2023-08-04
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:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient was the loan servicer of my student loans. They have since been involved in a class action law suit. I am due retribution of {$260.00}. I am unable to get a reissue on my check. I fill out the form my North Carolina Attorney General 's off sent me. They are telling me they do not have record of my claim. I have seen the claim on an unclaimed property website. 
The check was issued in XXXX of 2022. It was sent to my previous address, and under my previous name : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have since remarried and changed my address : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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:
I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation to the, to no avail! If they can not validate it, how can you report it?! Enclosed are the certified return receipts that I sent to the creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Since they are unable to give me any information, maybe you could tell me who the original creditor is, what service they performed, where they are located, amount of balance? 



If you are not able to provide me proof that this is my debt and the collection agency is not able to provide me proof either, then you must delete it. I have read about the Fair Credit Reporting Act and it states that you must only report complete and accurate information and you must honor any request to investigate a disputed item. I expect since they cant confirm it, you cant either so it must be removed from my credit report or I will be forced to involve the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX XXXX auto financing loan did dont appear in Experian, XXXX XXXX or XXXX credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.

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 2021-07-14
Company: Experian Information Solutions Inc.
State: NE
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 contact Experian on numerous occasions with no success. My credit score with Experian is at XXXX while at XXXX  is XXXX and XXXX  XXXX. I wanted to find out why the discrepancy with Experian 's being so low. I was under the impression that the three credit bureaus should be reporting similar information which does not appear to be the 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 2023-10-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CC company : Citi Cards ( XXXX card ending in XXXX ) Dispute ID : XXXX Dispute Merchant : XXXX Dispute XXXX : {$240.00} ( charge made on XX/XX/XXXX ) ( duplicate charge from XX/XX/XXXX ) I initially called XXXX on XX/XX/XXXX to book a one-way ticket ( XXXX ) for travel on XX/XX/XXXX and wanted to apply a {$100.00} travel bank voucher toward the ticket. The full price ticket was {$340.00} - {$100.00} travel voucher = paid price {$240.00}. I provided my CC # to the XXXXe Customer Service Representative ( CSR ) to finalize the purchase. However, I did not receive any confirmation on XX/XX/XXXX that a ticket was issued. I called XXXX again on XX/XX/XXXX and spoke with a different CSR to make the same booking request, and the CSR applied the travel bank voucher and charged my CC in the amount of {$240.00}. 

Subsequently, three separate charges from XXXX appeared on my CC, one of which ( {$340.00} ) was credited by XXXX. I then contacted Citi to dispute the extra charge of {$240.00} which Citi has failed to do its due diligence to resolve with XXXX. Coincidentally, I also talked to XXXX about the dispute and XXXX claimed they did not see an extra charge of {$240.00} on their end, and instead pointed the finger at Citi. What is undisputed is I purchased a ticket for travel on XX/XX/XXXX ( record locator XXXX ) in the amount of {$240.00} and nothing else from XXXX for that date, and I was charged {$240.00} x XXXX = {$480.00}. XXXX XXXX or Citi wrongfully took {$240.00} from me. I kindly request a reimbursement of {$240.00} to my CC account. Furthermore, Citi and/or XXXX should be held accountable for their lackadaisical effort in resolving this dispute. This is why I am taking the time to submit a complaint to CFPB so that you can assist me in righting a wrong. I can provide additional information as needed. Thank you. 

XX/XX/XXXX statement XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  {$240.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$340.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX$240.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  - {$340.00} XX/XX/XXXX statement XX/XX/XXXX CITIBANK CONDITIONAL CREDIT FOR DISPUTE - {$240.00} XX/XX/XXXX XX/XX/XXXX REVERSE XXXX XXXX XXXX {$240.00} New balance {$870.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$870.00} - {$870.00}

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 non-monetary relief
Consumer complaint received 2021-09-23
Company: Quality Asset Recovery LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
QAR are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. QAR are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by QAR pursuant to 15 USC 1692k civil liability.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Someone stole my ID and social security number and used it without my consent and knowledge. The person also gained a rental and car lease in my name. A credit card and insurance account was opened in my name as well. I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # XXXX ; XXXX On XX/XX/2022, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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