BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

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 2019-03-24
Company: EQUIFAX, INC.
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/2019 XXXX discharged my student loans and directed XXXX to remove my student loans from my credit reports. However, when I contacted XXXX they stated they do not service my loans and have no information on the loans. I contacted XXXX and XXXX informed me XXXX does service the loans but on the back end. I informed XXXX of this information and was told to submit a dispute through the credit bureau. When I did this the credit bureau stated that the creditor verified the information as correct and therefore refused to remove the information from my credit reports despite me giving them the letter from XXXX stating I am no longer responsible for the loan per its response to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Check # XXXX. Services misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where ( principal, interest, Escrow, etc. ) were check # XXXX funds applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: NJ
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 recently viewed my credit report and noticed suspicious accounts on it. The account is not mine and I am being negatively impacted by the derogatory accounts.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Not all the information is correct on the three credit reporting agencies such as name, numbers, addresses, and debts. I try to contact the credit agencies through phone or websites and have trouble connecting with any of 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 non-monetary relief
Consumer complaint received 2019-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have two capital one credit cards ( XXXX & XXXX ) that show closed and paid on all my credit reports in CLOSED ACCOUNTS.I have disagreed and tried many times to have these two accounts removed/disputed from all credit reports.The one account opened in XX/XX/XXXX and closed by creditor in XXXX because I could not fulfill the payment agreement and capital one stopped and closed the account.After they did that, I called capital one in XXXX for arrangement to pay the remaining and negotiated deletion if I finish paying of this account on my credit report which capital one did not fulfill there end of the bargain.As of XX/XX/XXXX, its on my credit report under closed accounts on all three reports.The second account was opened in XX/XX/XXXX and closed by creditor in XXXX because I could not fulfill my payment obligation.In XXXX I called capital one to arrange payments to pay off credit card and in return the remove this account from all credit reports which they agreed on.As of XX/XX/XXXX, its still on all credit reports under CLOSED ACCOUNTS.I made several attempts to get these accounts removed.There statements and comments are false.Capital one will not cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: SYNCHRONY FINANCIAL
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:
This is not my BELK card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 2021-01-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have submitted several complaint to XXXX XXXX sent me a response that they deleted this change off on XX/XX/20. it still has not been removed from my credit file. As well as XXXX & Equifax are reporting this incorrectly. I submitted method of verification to credit reporting agncies and they do not provide explanation of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: TX
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 have sent letters to Equifax about a few negative accounts they are reporting to my credit report that I want verified with proper documentation. All they keep telling me is it they were verified with no proof at all. That does not do me any justice. It just seems like a computer generated response and they are not following FCRA regulations. If they can't validate these accounts correctly then I need them removed. They are taking my letters serious and these unverified accounts are hurting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts 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 accounts 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 XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are 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.

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 2019-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
I went to XXXX XXXX XXXX  on XXXX19. They had hard inquiries placed on my report repeatedly without my consent..The first was Capital One Auto Finance and the other was XXXX XXXX XXXX.They never said a word to me about either of the two .I dont even know how they did it if I wasnt there to agree to it.This one done on all 3 bureaus XXXX, XXXX, and XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX has not been validated and is currently disputed. 

Have applied for mortgage and is preventing me from being approved. 

This inaccuracy has been disputed for the past 24 months and the creditor has changed dates and name of creditor repeatedly in order to keep erroneous information on all 3 credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Vermont Student Assistance Corporation
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX- As my son approaches high school graduation, we start the financial aid process by filling out the XXXX XXXX XXXX , which seemed like the right thing to do. As it turned out more information was required, so both my son and I met with a young lady at VSAC who helped us through this process. At this time, nothing was mentioned by her about my son applying for a federal loan. ( as it would be more appropriate for him and that the payments would be income based and that the allowable deferment would give him time to find employment. ) XX/XX/XXXX- A snag with the loan. I am on the phone with VSAC to find out what the problem is ( as it turns out the school needed to submit required information ). All during this conversation, the VSAC representative never mentioned about us applying for federal loans. 
XX/XX/XXXX- My son is seeking financial aid to take summer classes. He is told that the application was cancelled because this was the time that VSAC adjusts their rates. Per my son, it was never suggested to him that he seek out applying for federal loans. 
XX/XX/XXXX approx. ) XX/XX/XXXX- I as the co-signer to my sons loans called VSAC, spoke with a woman in the loan department. She told me that his balance at the time was XXXX and his monthly payments were XXXX. At this time, I asked her, but this is income based correct? No its not, you are thinking of a Federal Loan. You should always go with a federal loan first. This was the first time in two years that we have ever received any suggestion about applying for a federal loan. But still, even after that, there was no guidance on how to pursue this or direction to the appropriate person to assist us with this.
Well two years and XXXX later, I discovered from a random phone call that I made, that we should have applied for federal loans from the beginning and thats with working right alongside of XXXX  XXXX XXXX XXXX. How could you let this happen? While you are in his account, looking at his balance that is accruing XXXX a day in interest, did it not occur to you to look for and offer alternative suggestions for financing? 
As a single parent getting their child ready for college I relied on you and you neglected your role. I have lost all confidence in your organization and what I have been led to believe your mission is.

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 2023-05-11
Company: SANTANDER HOLDINGS USA, 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: Account information incorrect

Complaint:
I was looking to purchase a vehicle on XX/XX/2023. I went to XXXX XXXX and they told that I had XXXX to decide if I wanted to keep the car. After driving the vehicle for a couple of weeks my family and decided that this vehicle wasnt for us.I returned the vehicle in a little of two and was told that since I wasnt happy with the vehicle I could complete the proper paperwork and none of this would appear on my credit. Its XX/XX/2023 and I get a notification that Santander account # XXXX has put this vehicle on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I'm sorry for writing this against Experian. I would like a refund for 3 months of use. I will have Bank Statements stating that they took funds by Automatic Payments. The reason for a refund for their false advertisement of them taking my information off the internet. I also took a screenshot of the XXXX XXXX and what they do for {$24.00}.

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 monetary relief
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$8800.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My family is struggling due to the virus crisis/pandemic scare. I have been trying to work some sort of payment and closure of my XXXX  XXXX   Credit services account with CITIBANK whom is charging me XXXX & interest every month. I would like them to credit me the interest so I can afford to PAY OFF and CLOSE the XXXX  XXXX  account. I will never do business with them again. My XXXX XXXX account is XXXX XXXX XXXX XXXX CITIBANK fax is 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 2018-04-27
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have worked with my medical provider, who sent this to collections in XX/XX/XXXX. I was not notified that the collections had been assigned or who was assigned until XX/XX/XXXX ; when I was billed including interest since XX/XX/XXXX. This is an unfair and fraudulent practice as there was no way for me to pay the debt from XX/XX/XXXXto XX/XX/XXXX when I finally received the notice in the mail.

I have paid this debt ( {$850.00} ) in full ( conf # XXXX ).

I continue to receive letters for the original debt plus interest. This is fraudulent and harassing behavior.

Letter from XXXX stating paid in full.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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 contact XXXX XXXX to point out all the inaccurate lates payments that were reporting on the alleged account I had with them a month later I see no change on my credit report, XXXX XXXX did not even contact me and I know it is ethical to go into a closed account to remove inaccurate late payments on a consumer file I just don't know why XXXX XXXX is yet to do it. This alleged account is inaccurate because its late payment pattern does not even agree with the payment history key for each bureau its pattern is being reported in your typical 30,60.90 pattern and I prompted them to remove those late patterns for a perfect one since the accounts paid off and an inaccurate account should not be reported at all due to inaccuracy I mean all the status dates are outdated the creditor obviously gave up on ethical reporting a while ago but yet no response, I would like this dispute forwarded to the XXXX XXXX task force to further help with the investigation of this inaccurate account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation