BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 2021-07-14
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reporting late payments on account that I should not have. XX/XX/2021 XXXX the {$500.00} installment loan with XXXX. To which I paid all my payments on time for the next XXXX years. 

Unbeknownst to me, XXXX switched my account from a {$500.00} loan to a {$750.00} loan without my consent. XXXX never provided me with any option to opt in or out, but instead forced me into the new contract terms. See the attached screenshot of my account and look how the amounts changed from {$500.00} to {$750.00}. XXXX will not be able to show my consent. 

As a result, I eventually received the bogus late payments without the required 21 day notice being mailed to me. 

XXXX has been evasive in addressing the change of the {$500.00} to {$750.00} loan and the fact they didnt have my consent for the change. 

Its important to know that the change ultimately caused the late payments. Which should have never been made because I had completed the terms of my ORIGINAL CONTRACT! 

Due to the inaccurate late payments reporting on my credit report, my XXXX score dropped XXXX points in XXXX month. Thus destroying my credit worthiness! 

XXXX is a terrible company that prays on people trying to get their credit in good standing while using it to profit off the poor XXXX XXXX people.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1300.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
Below, you will find Transunion is in violation of my rights as along with the FCRA. Transunion has failed to show proof or validation that they used to confirm that said account belongs to me as I have no knowledge of the account. Under 15 US Code 1681d ; Disclosure of investigative consumer reports States that the consumer reporting agency must provide me with information was used to verify said account. This is a clear violation under the FCRA. 
I do not recognize an open date, original amount, a charged off account, credit limit or a past due limit. 

Per the FCRA, this account is providing inaccurate information on my consumer report. Per the FCRA, I XXXX recall opening this account and it is in violation showing a past due amount, This is clearly a violation of the FCRA. 

Account Details Account Details Payment Status Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested all fraud alerts and freezes to be removed from my credit report. And it was not.

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 2023-11-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It is distressing to know that the information included in my credit profile has not been maintained with reasonable procedures to ensure maximum accuracy, as mandated by credit reporting laws. The accuracy of credit information is crucial, and every effort must be made to assure that information reported is entirely accurate and correct. I am specifically addressing the following information, which I request to be reinvestigated : XXXX - XXXX XXXX  XXXX andXXXX XXXX XXXX XXXX  XXXX. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. In the absence of such documentation, I insist on the immediate deletion of this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NY
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I purchased a home in Oregon. My husband continued to work in California and I moved into the home. Our home owners insurance is separate from the mortgage. We thought the insurance was on auto pay through our Insurance Broker as has been our custom. Because we were overwhelmed planning our wedding, relocating and working in different states much of the time, we both thought the other person was watching the insurance payments. The insurance payments lapsed for 10 months before we became aware. Though we forwarded our mail we did not receive the three notices from our insurance company despite documentation by the insurance holder that they were sent. The final notice by the lender to get insurance and avoid forced insurance went to my the property where my husband works rather than the address of the home where I reside. My husband and I never saw any other noticed by the lender prior to the final notice. We are the only ones who check our mail. We obtained home insurance right away once we discovered the problem. Now the lender wants to charge us for purchasing home insurance ( that they have not yet purchased ) for the lapsed time at nearly 2 times greater than the initial cost if we can't show coverage during the lapsed time. I understand having to pay a lender back for purchased insurance during the lapse or even for the cost of lapsed time for a more reasonable rate.

1.Can they demand to purchase lapsed insurance that was not purchased during the lapse and after the date we had already purchased a new policy?

2. And if so, can they charge a rate that is more than two times the annual rate of lapsed coverage?

3. I have not been able to find a company who will provide backdated home insurance, so how can they find such a policy? 

Your response to these questions is greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: IL
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:
Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello! I contacted you a few weeks back & unfortunately misplaced your number & pray I returned to the right place : ) In & @ 2017, My husband & I were fooling around with an online app ( if you will ) called XXXX, a third party money transfer addition just featured with XXXX XXXX at our local Citizens Bank on XXXX XXXX in XXXX County XXXX. I fiddled with this app for approximately 10 minutes, as my husband and I were just starting up a small business with our music and was curious what is was & how it worked, therefore ( think ) if I even did anything wrong ) typed in my childrens email address once or twice to see how it may have operated, yet unsure this is even accurate. Due to the fact, I knew my children would never opt to bank & /or take out receive any funds. Within the next week or two, and ever since ( 3 years later ) & after living at hospitals with our youngest son, sadly are bank has still completely failed us! In 2017, they notified my husband XXXX & I, that we were now out close to {$2000.00}! After many many attempts to resolve with them ( citizens bank ), they then began telling us our money was now at another bank, and then another bank! Knowing too what we were going through! After dozens of unsuccessful talks/attempts beyond, they still have not recovered our money, money that never moved a cent, from this original account ending in XXXX, that they then said is in our best interest to just close this long standing account of ours, after all that! Please notify us as to what we can do to receive our money back, as we so need or, and what you feel the direction is we can take in this matter. GODBless & Happy, Healthy XXXX XXXX! XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX & /orXXXX ( XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. As a result of this data breach, on XX/XX/2023 Capital One Bank USA had pulled a hard inquiry on my XXXX credit report without my authorization. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete this illegal Capital One Bank USA hard inquiry from my XXXX credit report. I have submitted at least 4 disputes with XXXX pertaining to this illegal unauthorized Capital One Bank USA hard inquiry and XXXX have not done a THOROUGH INVESTIGATION and XXXX have not contacted Capital One Bank USA about this hard inquiry so that it can be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
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:
I would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26
Company: EQUIFAX, INC.
State: KS
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX is reporting to credit bureaus that this is an revolving account. This is a checkings account. XXXX has failed to validate and verify my signature on any documentation per my previous dispute request

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been a victim of identity theft. The information being reported is not in any relation to any transaction conducted by myself.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Hello, XXXX did not authorize the car company XXXX XXXX XXXX. Located in XXXX XXXX XXXX in XXXX pa to run my credit report at all! I did not give them authorization to run my report and this is unacceptable, they ran my credit through XXXX companies of the name of capital one auto finance and XXXX. I had really tried to get this removed and to no avail. Please report this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX - XX/XX/XXXX XXXX remove XXXX XXXX charge off from my account. Account number # XXXX. Trans Union and XXXX XXXX are continuing to report the above Account. According to the Fair Credit Reporting Act the three Bureaus must report accurate information. Trans Union and XXXX are in violation of 15USC1681b. This accountwas removed from XXXX as of XX/XX/XXXX - XX/XX/XXXX, it was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my credit report being accurate and verifiable. Trans Union and XXXX fail to remove the Information even thought they have fail to verify the account and notify in 5 days as reported from the FCRA. I am confused why Trans Union and XXXX are still reporting this accountand they have access to the same Information that XXXX do? Please provide me proof that this account has been properly verified or remove immediately from credit report. Please provide me with the name of the person that verified the account, when it was verified and what tactics was used to verify the 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 non-monetary relief
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 

remove these accounts listed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 explanation