BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Company: Experian Information Solutions Inc.
State: AZ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating it within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2022-11-14
Company: EQUIFAX, 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:
I am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: ONLINE Information Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Currently, Online Information Services is attempting to collect a debt from me on the behalf of XXXX XXXX XXXX XXXXXXXX Illinois. XXXX XXXX, XXXX have disputed the debt on my behalf through the credit bureaus '. My dispute is based on the dollar amount of the debt being incorrect. This company won't acknowledge receipt of the dispute. They won't research the validity of the debt, nor will they communicate with me over the phone about the debt, claiming they need to speak to my legal team XXXX XXXX XXXX XXXX first. The refusal of communication from Online Information Services prohibits me from attempting to come to a resolution for the debt. However Online Information Services has responded to the dispute via the credit bureaus as the debt being accurate. I hired XXXX XXXX back in XXXX of XXXX to handle the dispute portion for collections on my behalf only. This information has been conveyed to XXXX, the Asst Manager with Online Information Services on XX/XX/XXXX. She still refused to communicate with me about a debt that they are claiming as mine. 

In XXXX of XXXX I spoke to a representative about this debt, but I don't think it was from this company. The representative ( whomever that was ) also refused to prove the validity on the amount of the debt. In the original dispute filed XXXX XXXX alleged on my behalf that the amount of the debt is invalid. Complaint : XXXX XXXX neglected to discontinue my service after I moved out of the home on XX/XX/XXXX. I reported my move out to XXXX XXXX XXXX in the week following XXXX of XXXX. Despite my attempt to discontinue services and finalize the account, XXXX  XXXX continued to provide services to the new tenant in my name until XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage was paid off in XX/XX/XXXX with PHH MORTGAGE. The amount of {$900.00} was left in escrow and was to be refunded to me. PHH mortgage claimed they mailed a check for this amount on XX/XX/XXXX. I have not received that check. 
On XX/XX/XXXX I spoke with the XXXX in Customer Service and explained the issue.XXXX advised me that I needed to send a fax to the Research Department and request payment verification and a re-issue of the check. I faxed this request the same day. XXXX stated I could not contact the Research Department directly because that department did not have a phone. 
On XX/XX/XXXX I received a letter from PHH mortgage stating a new check number XXXX will be re-issued shortly. I have not received that check either. 
Again I contacted PHH mortgage. 
Tuesday XX/XX/XXXX I called the Escalation Department and spoke with XXXX who took the information and stated she was going to call me back that same day. I have not heard back from her. 
Wednesday, XX/XX/XXXX I called the escalation department and spoke with XXXX he took the information and advise he was going to call back. I have not heard from him. 
Thursday, XX/XX/XXXX I called the escalation department and spoke with XXXX and who took the information and advised she would surely follow up and call me back. 
I have not received any further communication from PHH Mortgage. I have not received my refund check.

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 2021-07-08
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: Was not notified of investigation status or results

Complaint:
I contacted Transunions on XX/XX/2021 by certified mail requesting investigation and verification of collection acct from XXXX XXXX 
On XX/XX/2021 I sent a follow up letter to Transunion requesting that the account be remove because the collection agency failed to respond to my request to validate the debt. 
On XX/XX/2021 another certified letter was sent to Transunion requesting removal because collection agency did not respond to my request and did not provide validation. 
Transunion responded and said the account was verified as accurate and will remain on report. 
On XX/XX/2021 another letter was sent to Transunion requesting removal and also requesting how account was verified as correct when the collection refuse to provide me with such information and how did Transunion obtain this information. 

Its been XXXX business days since I sent my original request for validation to the collection agency XXXX XXXX and I have yet to receive a response. 

Its been XXXX business days since requesting Transunion to properly investigate this account and to remove since it cant be validated. Transunion I ignored my request and I would like this account deleted ASAP for failure to respond and provide validation. 

XXXX XXXX  failed and refuse to provide me with validation of this account and proof that this acct belongs to me and they recently reported the account to my XXXX XXXXeport.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumer reporting agency Experian, XXXX, and XXXX is reporting false information and or information without my consent. They have failed to do investigations into these negative accounts that has caused me hardship in obtaining a car and house for my family and has caused massive pain and suffering. I have reached out to them to remove the negative items being reported, however they just say they verified the information. Furthermore, I have disputed these negative items on my report and they still have yet to properly investigate or verify information they are reporting. Violation of Tilte 15 usc 1681, and 6805. Also violation of my privacy per the privacy act of 1974.

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 2023-12-18
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite providing evidence of identity theft and taking all necessary steps to rectify this matter, your bureau persists in reporting these fraudulent accounts, causing severe damage to my creditworthiness. 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!!! 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!!! 
It has come to my attention that your bureau continues to report multiple fraudulent accounts on my credit report, despite my diligent efforts to address this issue. I am bewildered as to why your bureau is not taking similar action to rectify this blatant error. The continued reporting of these fraudulent accounts is not only damaging to my credit score but also exacerbates the emotional and financial distress caused by identity theft.

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 I went to buy a new car at XXXX XXXX in XXXX XXXX XXXX florida, they pulled 4 or more inquiries that we did not authorize on my husband and Is credit report. We are currently trying to buy a house but all these inquiries are making it hard. I want them removed. I was in a car accident that was not my fault, I had to buy a new car, I was injured, now they are having an impact on our financial goals. These are the names i found : XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

This is not right and we did not know that they did this to us. 

Not to mention my experience buying a car at this location was awful! Everyone I know has had bad experiences with 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 explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
complaint regarding the ongoing inaccurate account reporting related to XXXX XXXX account # XXXXDespite previous attempts to address this issue, They continues to report incorrectly, which is a clear violation of the law. I have made every effort to rectify this matter but have been met with indifference and lack of compliance. This serves as my last and final attempt to seek justice and have the inaccurate information promptly removed from my credit report. Thank you for your prompt attention. I trust that the CFPB will impartially address this serious issue Remove Account, this is inaccurate information reporting.

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 2022-12-27
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$880.00}, XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: AZ
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 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 2019-06-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My complaint is on Carecredit. I was under the impression that this was a ZERO interest. I was never notified that a 200+ in fees would be added to my card after a " special program " which isn't disclosed with consumer. And depending on when/who you use it with. They automatically raised my credit limit and tacked on a few extra hundred, making this card so hard to pay off. They have some " extra security fee '' that is charged often. They are truly predatory lending. I have a great standing with my other credit cards and have never had this problem with any other credit card companies. I can send in my bill, so that this can be reviewed. I took some of my retirement money out, so that I can pay this down, but this will only pay it down a little not very much. Please let me know if anything else is needed. 
Thank you, 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 monetary relief
Consumer complaint received 2023-07-12
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: Their investigation did not fix an error on your report

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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