BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
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 submitted a complaint through CFPB recently about EXPERIAN credit bureau reporting a collection on my file. A collection with ( XXXX ) XXXX XXXX XXXX XXXX XXXX is reporting a {$63.00} collection on my file. Like I've stated before I have no idea or clue where this bill has came from. It's says the original debtor is XXXX XXXX on a one month term agreement opened on XX/XX/XXXX. Experian responded back saying I was sent paper work out on XX/XX/XXXX. That's a credit report!!! yes, I got a credit report, but nothing EVER came from either one of the companies, concerning a delinquent account! I HAVE NO IDEA WHAT ACCOUNT THIS IS! Then Experian have the nerve the say they contacted the data furnisher and had them verify the account, well how come I'm the consumer, it's on my report, and I'm freaking clueless of how they verified the account, and what this account pertains to. It's more than just saying oh well we contacted the furnisher and they verified the account, well provide the consumer the paperwork, and signatures..I 'm not just gon na take your word, for all I know a investigation may have not been conducted at all. I need to see something because I've googled the original debtor and from what I see I don't have no association with nothing they deal with.

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 2022-09-22
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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: SYNCHRONY FINANCIAL
State: OH
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:
I had TG max credit card on XXXX Used the card and paid off the whole debit immediately. However mistakenly forgot to pay XXXX XXXX left. About a year later I was trying to mortgage a house and I realized that my credit score is not as expected. After some assistance I realized that I had this forgotten XXXXXXXX XXXX in my account. I immediately paid it off. I called the collection company multiple times and Realized that they never reached out to me to collect this XXXX XXXX They had a wrong phone number and Wrong address. I never received anything from their end. Now after almost 2 years my credit score is hurt by that incident. I am desperate for help as I am planning to mortgage a house soon and this standing in my way unfortunately.

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 2015-03-25
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX my mortgage loan was transferred to Green Tree lending, after 5+ years of being serviced by XXXX. In XXXX my husband and I contacted a bank to initiate a loan for a remodel of our house. But we found out we needed a reaffirmation agreement from Green Tree ( I went through a bankruptcy in early 2010 and the loan was not reaffirmed because either the Trustee would not approve, or XXXX did not -- -it unclear ). I contacted Green Tree starting on XXXX XXXX and was told after multiple calls that I needed my attorney to contact them ( I am XXXX and still do not understand why this is the case because I can XXXX ) ; However I went along with their request. Further, and prior to being told to have my attorney contact them, I left multiple messages for the customer services person I was told handled my account and was not called back. I completed a third party authorization form and my attorney faxed it. On XXXX XXXX I called Green Tree and was told they needed to check with their bankruptcy division. The bankruptcy division told me that I needed to re-open my bankruptcy before they would even refer it to their bankruptcy attorney for an agreement. However I was also told that they typically only do reaffirmation agreements within 60 days of the bankruptcy. I tried to explain that I was not even a Green Tree customer 5 years ago, but the representative did n't seem to understand. My attorney called on XXXX to verify that if I re-opened my case, they would indeed provide a reaffirmation agreement. She was told that Green Tree 's policy is to not do reaffirmation agreements. She pressed further and was told that Green Tree has a specific law firm that represents them for the geographical area where my house is located. She was given the name and number of the law firm. She called the law firm yesterday and left a voicemail. Today she called, was told they did n't know about my case, but then was again directed to the attorney she left a message for yesterday. She provided me the name and number of the firm and attorney and I called and was directed to voicemail. I also looked up the firm online and attempted to look up the attorney on the State bar website. I could not locate the attorney on either the firm website or the State bar website. I would like to understand if it is legal for Green Tree to have a blanket policy for not doing reaffirmation agreements. Also, what my rights are as the home owner with the lien. I would like to refinance the loan so that it is reaffirmed, but thus far am being told I ca n't refinance unless I have a reaffirmation agreement. But that my loan servicer wo n't do a reaffirmation agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I sent a letter on XX/XX/XXXX and was sent to Experian credit bureau to remove the account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. 

XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and XXXX of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and Transunion reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00} CREDITOR : XXXX  XXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16
Company: ECMC GROUP, INC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying ECMC reported me and ECMC is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: OneMain Finance Corporation
State: NY
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 sent a cease & desist letter to One Main Financial on XX/XX/21 because I never gave them expressed written consent to contact me ( violation of 15 usc 1681 ( a ) ( 2 ) ) after receiving several letter via postal mail and email. The postal letters stopped but the harassing and threatening emails continued ( violation of the FDCPA ( 15 usc 1692 ( A ) ( D ) ( E ) ). No consent is fraud. I also demanded to rescind the entire transaction and was told no because it had to be done in the first 72 hours. Well pursuant to 15 usc 1635 the creditor is required to provide appropriate rescission forms for me ( the obligor ) to exercise my right to rescind. This was never mentioned to me nor was I provided any rescission forms. So the 3 business rule day is not applicable here. This is fraud and there is no statue of limitations on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On or about XXXX, XXXX, I applied for and received a Kroger Prepaid Visa Card issued by US Bank. On XX/XX/XXXX, I made a purchase of {$600.00} on my card from XXXX. Several minutes later, my order was canceled by XXXX because the item was no longer in stock. XXXX advised me that they released the authorization upon canceling the order. When the funds did not go back into the account within two days, I followed up with customer service. I was advised that they would retain the funds for 10 days, which would indicate that the funds would then become available on XX/XX/XXXX after XXXX XXXX. As of the date of this complaint, XX/XX/XXXX, the funds are still on hold. 

Most disturbing, however, is the fact that this card is issued by US Bank as delineated on the back of the card and in the Agreement. However, US Bank disclaims any knowledge or responsibility for this card. When I sent an email to US Bancorp Executive Vice President and General Counsel XXXX XXXX, my email was forwarded to US Bank Executive Communications Unit. This office refers to themselves as " Office of the President. '' Essentially it appears to be an escalated form of customer service. A representative named XXXX called me and was wholly confused as to what a Kroger Prepaid Card is and stated that her office does not handle these matters. I asked her to forward my complaint to the correct office which handles this business line of US Bancorp, but received nothing responsive to my request for assistance. 

I am in the process of filing a lawsuit against US Bank in connection with this matter. It is completely unacceptable that the Bank is operating in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: EQUIFAX, INC.
State: NY
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:
Hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: VA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX & EXPERIAN has Violated my Rights. 

Agencies can not utilize outdated information : EXPERIAN is Reporting outdated information. 
Agencies can not use incomplete, unverifiable, or false Information : EXPERIAN is Reporting false information. 

EXPERIAN IS FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT HOW DID YOU VERIFY ACCOUNT ITS REPORTING 100 % INCOMPLETE & INACCURATELY )!! ! REMOVE THIS ACCOUNT IMMEDIALELY!!! 

NO CLOSED DATE REPORTING ( BY NOT HAVING A CLOSED DATE ITS MAKING A CHARGE-OFF REPORT ON CREDIT EACH MONTH ) NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS INACCURATE PAYMENT HISTORY IS REPORTING DATE OF LAST ACTIVITY IS NOT EVEN UPDATED NO DATE REPORTED FOR LAST VERIFIED XXXX XXXX  ACCOUNT XXXX : XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) THIS ACCOUNT IS 100 % INCOMPLETE & INACCURATE ACROSS ALL CREDIT BUREAUS VIOLATIONS ERRORS XXXX. DISPUTE STATUS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) XXXX XXXX NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) EXPERIAN : NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) ERRORS XXXX. CLOSED DATE XXXX : XX/XX/XXXX EXPERIAN : NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) BY NOT HAVING A CLOSED DATE ITS MAKING A CHARGE-OFF REPORT ON CREDIT EACH MONTH ERRORS XXXX. PAYMENT HISTORY XXXX : NO PAYMENT HISTORY BEING REPORTED EXPERIAN : INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) ERRORS XXXX. DATE OF LAST ACTIVITY : ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) XXXX : XX/XX/XXXX ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) EXPERIAN : XX/XX/XXXX ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) ERRORS XXXX. PAST DUE AMOUNT : {$800.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX : {$800.00} EXPERIAN : {$800.00} ERRORS XXXX. HIGH BALANCE : ( THERE ARE XXXX DIFFERENT HIGH BALANCES ) XXXX : {$800.00} EXPERIAN : {$0.00} ERRORS XXXX. NO DATE FOR LAST VERIFIED ( HOW DID YOU VERIFY ACCOUNT THERE IS NO DATE ) XXXX : XX/XX/XXXX EXPERIAN : NO DATE REPORTED FOR LAST VERIFIED

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 2023-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: DE
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:
I am a cosigner of a private student loan XXXX - XXXX with XXXX XXXX, that has been paid in full then transferred to another bank. 
XXXX XXXX has been late on all 3 accounts, due to the Student primary borrower who defaulted in the loan. Six months later, XXXX XXXX notified me thereafter, which caused loans to be in serious default, with interest, principals, late fees ..... 

Student to date has not made contact with me nor has he made any payment on the loan as the primary borrower. I was able to set-up a payment plan as a retiree to bring the loans out of default once all three loans were out of default, XXXX XXXX transferred the 3 loans to XXXX XXXX XXXX  XXXX 

I filed a dispute with Credit Bureau Agencies against  XXXX XXXX to remove derogatory marks, It has been 7-8 years, as loans was paid in full. XXXX  XXXX denial request to rs. remove marks from my credit report. I value my credit and understand the value of having good credit that I use very wisely. Co-signing was a terrible mistake, which I learned a valuable lesson. I am only asking for the late remarks to be removed. Primary Borrower 8 years later has not contacted me nor made any effort to make payments. I continue to payments to date on all three loans that has increased to {$47000.00} from {$40000.00} when XXXX XXXX transferred it. 

Thank you for your help 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 2023-08-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under 5 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), with a corresponding FTC report on file.I have taken immediate action to address the identity theft by contacting the appropriate authorities, as well as by diligently following the guidelines outlined by the FTC. It is therefore imperative that my rights under the specified U.S. Codes are fully recognized and upheld by your agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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