BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-05-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent XXXX/XXXX/Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' this item through XXXX XXXX. I then went to XXXX XXXX to dispute the item in question and XXXX XXXX was not able to verify the bankruptcy, so they deleted it from their database. 

Then again on XX/XX/XXXX and XX/XX/XXXX, I sent another letter to all 3 credit bureaus and showed them the deleted bankruptcy from XXXX XXXX as well as letter from the courthouse stating they do not report to any agency. The letter is also informing them that if they could not verify how the item was verified, then it needs to be deleted according to the FCRA. Once again, they refused to delete this item which is hindering my ability to purchase a home and causing me to pay thousands more in interest per year. 

Since XXXX, I either got no response to my inquiries or a generic " account is verified '' with no explanation which I ask them to refrain from. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One conspired with XXXX to downgrade my credit score to XXXX to cover up discriminating nature of rejected application. 

The XXXX report listed negative non-measurable, non-numerical, non-defined verbal parameters that must be reflected in the credit score : " Too many inquiries last 12 months Time since most recent account opening is too short Amount owed on revolving accounts is too high Length of time revolving accounts have been established ''. 
See attached XXXX XXXX has my credit score as XXXX. 
See attached document XXXX. 
XXXX have my score as XXXX. See attached document XXXX 

That was happened twice when I applied for Capital One Venture credit card while my credit score was well above XXXX. See attached documents XXXX   and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is the second complaint I have filed because Optimum Outcomes has not complied with Consumer laws. On XX/XX/2021 I sent an Affidavit of truth, validation of debt and other documents which were received on XX/XX/2021 by Optimum Outcomes for violations committed against me as a consumer. I also submitted a complaint to which they have not provided any answers nor any remedy. They had 30 days to respond and provide a validation and still have not complied. They are also in violation pursuant to 15 USC 1692g ( a ) ( 4 ) by taking action on an unverified debt. It is now XX/XX/2021 and I still have yet to hear from Optimum Outcomes. On XX/XX/2021 I sent an opportunity to cure letter which they received on XX/XX/2021 asking them to please provide remedy or legal action will be taken against them and they still have yet to respond. They continue to violate with complete disregard of my Consumer rights. Pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ) Optimum Outcomes is responsible for providing remedy ( {$1000.00} for every violation ) due to their carelessness and failure to comply. This matter has to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2021-08-26
Company: PLANET HOME LENDING, LLC
State: AZ
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:
Mortgage which Im a cosignor on was reported late XX/XX/XXXX and went into forbearance XX/XX/XXXX til XX/XX/XXXX. It is now current and in good standing. We were never informed that the XXXX late payment would be repeated over and over during the forbearance period, instead of being reported as 1 30 day late on our credit reports, it is being reported as 14 consecutive 30 day late payments. We asked for the recorded phone conversation with their agent to prove that we were misled/lied to, but they have failed to produce it. This has devastated our credit. Although we are now current, on Auto pay, and being hit by a once in a 100yr pandemic they will not work with us to change this. We feel it should show 1 late and NR during the forbearance period. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a follow up Complaint to the previous CFPB I submitted requesting the correction on the misleading information the Credit Bureaus have been reporting on my Credit File. I previously requested that the Credit Bureaus investigate the account : XXXX  XXXX XXXX with account number XXXX  and date opened : XX/XX/2021 as I believe the information reported by the Credit Bureaus is not accurate and is misleading. In accordance with the Fair Credit Reporting Act, I have the right to request an investigation, free of charge, and have any accounts and information reporting unverified and erroneous information corrected. I am submitting this CFPB Complaint to make sure that the Credit Bureaus are doing their responsibilities as per my requests. I have never missed a single payment on this account and it make me wonder as to where did the Credit Bureaus get the information that I missed some payments on this account? I need the Credit Bureaus to rectify this error as soon as possible.

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 2023-10-20
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:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly update the accompanying records as they are false and were opened without my assent or information.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
in XXXX my XXXX credit card went into collections. i had lost my job and hobbled into XXXX working independently, and then the pandemic happened. XXXX and XXXX were hard for all of us. nevertheless, i paid my entire debt in full as agreed- i requested no settlement. my last payment was in XX/XX/XXXX. 

from XXXX through XXXX the debt was transferred between multiple collection agencies, and each time it moved, this altered the date of the debt on my credit report, which should be illegal. 

almost XXXX years have passed. i have paid the entire debt in full. i have sent XXXX XXXX requests to target asking them to please consider removing the negative remark from my credit report. and each time they have declined saying its not them, but the credit bureaus that wont allow them to change it. i know this is untrue because i have had a remark removed by the creditor in the past. 

i otherwise have excellent credit ( high XXXX ) and i have longstanding, strong relationships with my other creditors. this XXXX negative remark is holding me back from so many human necessities like healthcare etc. why wont they remove the remark as a courtesy to help someone out? sheesh!

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 2022-11-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX XXXX FRAUDULENT CHARgED MY CARD FALSELY MY CARD COMPANY IT NEW IS NOT SURE WHAT TO DO IN THE MEAN TIMES I AM OUT {$2000.00} My account was bought from XXXX XXXX XXXX  and it was charged to them but they sold my account to Comenity  and they are not sure what to do?????????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America mistakenly stopped the automatic payments that paid off the balance of my credit card every month in XXXX of 2023 without my knowledge or consent. This caused me to be late through no fault of my own. They submitted false reports to the credit bureaus but never told me that my automatic payments had been stopped or that I was late until I got a letter in the mail dated XX/XX/2023. In the meantime, I got routine monthly emails telling me that my statement was available online but they said nothing about my being late or that my automatic payments had stopped or that they had already destroyed my nearly perfect credit score. 

I sent four letters to Bank of America and started disputes with and sent the attached documentation to all three credit bureaus in XXXX of 2023. Ive done everything possible to make Bank of America correct the record and restore my credit line but they have been completely unresponsive. They refuse to take responsibility for their unwarranted actions that damaged my credit and caused me great harm. When you read the attached letters, youll understand why Im submitting a complaint against them.

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 monetary relief
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: CA
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:
15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish information without my written instructions.

I am writing to dispute the following information that Experian has reported to my Credit Report which is inaccurate. I am requesting that all the inaccurate information below be deleted immediately. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX-paid off in XXXX  : XXXX balance, never late, not charged off-please delete line from Transunion & 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 2022-05-26
Company: EQUIFAX, 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:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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:
I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX Opened XX/XX/XXXX for {$210000.00}, XXXX  XXXX Opened XX/XX/XXXX for {$300.00}, XXXX XXXX  Opened XX/XX/XXXX for {$2500.00} Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Conduent Incorporated
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My child support XXXX  will not allow me to access my online account. Every time I call the wait time for customer service is approximately 90 minutes. Money is missing and they can not explain why? There have been several times I know there is money there and my transactions are declined and I can not access my account nor will they stay on the phone long enough for me to dispute my transactions the phone " suddenly cuts off. '' I am beginning to think this is a scam so that people do not have access to their accounts and have no way of knowing where the funds went or report fraudulent activity. 

I will need an investigation into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My credit card is opened by fraudulent. 
Please remove credit hard inquiries and account on my credit reports. 
Company : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I contacted all three credit bureaus XXXX, Transunion and XXXX about a previous dispute of an account on my credit report for all three bureaus. This charged off account with XXXX XXXX XXXX XXXX account number XXXX currently has a balance of {$850.00} on my Transunion and XXXX report. On my XXXX report is has a balance of {$1500.00}. In XXXX of XXXX This same account had the balance of {$1500.00} in all three credit bureaus. This charged off account balance has change several times from {$850.00} to {$1500.00} without any evidence or reason why. I have ask the credit bureaus to conduct their own investigation into the matters and send me physical evidence of this account belonging to me and verified the amount is correct. They all have failed to do jus that and each month when this account goes up {$1500.00} it brings my score down even more. When I dispute this account, the only thing that happens is they lower balance down to {$850.00} and the cycle starts again. No one is actually doing a proper investigation and just changing the amount without supplying me with the proper proof that this account is accurate and belongs to me. Please assist me in these matters I want to finally build a decent credit score.

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 2023-07-10
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

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 2022-07-12
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Date : XX/XX/2022, XX/XX/2022 and Call went to my voicemail the first time they called. 
The second time they called I asked them not to contact me at work. 

Company XXXX called my employer after I asked not to contact me at work.

Company response to consumer: Closed with explanation