BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-07
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 am making this complaint because your company keeps claiming that my letters that I keep sending directly to you by mail were are being sent by a third party or someone other than me. That is not the case. I, XXXX XXXX, am the one making this complaint. 

Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate this alleged debt. This alleged debt is not mine. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of this invalidated and inaccurate account below. Therefore, if your company continues to report this invalidated and inaccurate account you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 


XXXX XXXX XXXX Account # : XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. Pursuant to 15 USC 1681b, you can not report anything to my consumer report without my written consent. By law you have 30 days to provide me with this proof or this inaccurate and invalidated account must be removed from my report. Failure to provide me with the requested proof of the signed consent that I allegedly gave to your company within the 30 day period, will require me to follow up with whatever action necessary, as your company is in violation of my rights under the FCRA and the FDCPA and your company will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n and the Fair Debt Collections Practices Act, 15 USC 1692k. 

I have provided all of my personal documents, MY LICENSE AND PROOF OF ADDRESS that will be needed to process this complaint and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion 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
Consumer complaint received 2018-10-12
Company: Experian Information Solutions 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:
I submitted a dispute with Experian on XXXX XXXX ; concerning XXXX XXXX XXXX Account # XXXX. Status : XXXX XXXX off. I sent Experian copies of the payments that were sent to XXXX. ( The car was totaled and my insurance covered the cost of the loan and Gap insurance made up the reminder of the amount. ) On XX/XX/2018 Experian sent me the dispute results which said that it has been verified. 

On XX/XX/2018 I sent a letter to Experian asking for how they conducted their investigation into my dispute. I specifically asked what was Experian 's methods and procedures for doing this investigation and was this investigation performed independently and not just parroting what the creditor said. 


On XX/XX/2018 Experian sent me an email alert that a dispute was opened up for XXXX XXXX XXXX and the results would be finished around XX/XX/2018. 


I called Experian on XX/XX/2018 at approximately XXXX and was transferred to a dispute specialist name " XXXX XXXX who informed that XXXX XXXX investigate this dispute and notify Experian within 30 days. I said that I was expecting the results in 15 days ; I attempted to explain to XXXX that I sent the letter to Experian and specifically asked for how Experian conducted a reasonable investigation. XXXX said that XXXX would look into my dispute. 


Experian has totally disregarded my request for the method of verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a hotel room with XXXX  My credit card was charged XXXX. When I arrived at the hotel the desk said that the balance wasnt paid and then again rung in my credit card for XXXX. The hotel staff said my credit card was declined. So I paid cash. Then when I checked my statement I see that I was charged 3 times. Capital one keeps sending me a link that doesnt work to submit documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon pulling my credit report, I noticed that The US Department of Education reported two accounts in the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my Equifax report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My XXXX report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX  report is inaccurate and the data doesn't have the same information as Equifax. 

-On the Department of Edu website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The US Department of Education states everything was on time that year on my Equifax report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: 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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge BK OF AMER  XXXX Date Opened : XX/XX/2011 Balance : {$11000.00}

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 explanation
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried unsuccessfully to reach a live person in customer service to assist me at Experian. I have not been able to obtain a free credit report from them - ever. I called today numerous times at numerous numbers available on the internet and their site and was never able to speak to a live person even after entering my social security number, zip code and house number several different times. XXXX and XXXX   were awesome and very helpful and I got what I needed. Experian makes it so you never speak to a human being I am told. They want you to send your personal info through the mail and if lost, not their problem. They open you up to identity theft. How do I speak to a human at Experian regarding my credit report and placing a freeze on it. Their site is not helpful in addressing my questions either. Very user unfriendly. Please help me. Thank you.

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon pulling my credit report, I noticed that The XXXX XXXX XXXX XXXX reported two accounts in the amount of XXXX} and XXXX. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my Equifax report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My TransUnion report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX report is inaccurate and the data doesn't have the same information as XXXX. 

-On the XXXX XXXX XXXX  website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The XXXX XXXX XXXX XXXX states everything was on time that year on my XXXX report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
A collection account was removed from my credit report from XXXX XXXX XXXX. My credit score only increase by 5 points. My credit score should have increased by at least 23 points.

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 2019-02-25
Company: Experian Information Solutions 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:
The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c. I am also REQUESTING this company to please update the following information of mine : 1. my  phone is ( XXXX ) XXXX-XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.

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 2019-08-29
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It has just come to my attention that this account is still reporting on my credit reports.I requested proof of ownership for the account reporting on my credit reports by Security Credit Services. I have received no response from Security Credit Services. I requested the proof in writing via certified mail on XX/XX/XXXX mail receipt # XXXX XXXX XXXX XXXX XXXX and again on XX/XX/XXXX mail receipt # XXXX XXXX XXXX XXXX XXXX. I also requested XXXX, XXXX and XXXX verify the account and none of the agencies have been able to provide me with any written proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a account that was closed with XXXX it was a cable bill for equipment not returned after account was closed and handed over to collections I returned equipment in store. However my account was still open with the collections agency I sent a certified letter with receipt attached showing returned equipment letter was requesting validation of debt, No response to this certified letter. No response after 30 Business days So I then filled dispute with XXXX with receipt of returned equipment as well and it was removed off my credit file. This however is now showing purchased through another debt collection agency and I am no longer Liable for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
From my credit report " BK OF AMER Account Closed Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. 
BK OF AMER '' I assume this means the bank of America, with who I don't have a credit account 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 explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Around XX/XX/2019, I contacted XXXX  credit agency as well as TransUnion to remove the old accounts that XXXX XXXX, XXXX, and XXXX XXXX XXXX is claiming that my info is still valid. All these accounts were opened more than 7-10 years ago and they should have been removed from the time they were first opened. XXXX, TransUnion, and XXXX  must remove old accounts that have run their legal statute of limitations and they can not keep this derogatory information on my credit report forever and damage my credit score! I can not move forward with my life and get new credit because of their false and detrimental reporting. Please help me in removing these old accounts, please.

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 2021-03-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have told these people that the items they are showing on my report do niot belong to me. I have waited the time frame for them to repsond and it is like they are ignoring me or purposely leaving wrong inforamtion on my credit report which is messing me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
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: Account information incorrect

Complaint:
I was leasing car ( XXXX XXXX  model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XX/XX/2017. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!

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 2023-02-09
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
For OVER a year and most recently XX/XX/2023 Midland Credit Management is REPEATEDLY reporting my collection account open with a past due balance. The collection account is showing OPEN with a PAST DUE balance. This is inaccurate information. The account is in collections it is not and OPEN account and it is showing a PAST DUE balance. This is completely inaccurate. This account has been closed for years. I have called Midland Credit Management, they refuse to remove it. According to the FCRA, I have the right to a accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TD BANK US HOLDING COMPANY
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:
TD auto finance is reporting a commercial account to my personal credit report, I dont have a personal liability on this account but they are reporting it to my personal credit. I am requesting to remove this account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: OR
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: Didn't receive services that were advertised

Complaint:
The perpetrator is credit reporting agency, Equifax. I 've been to their site three times and their credit help link regarding the their security breach does not work. I have never gotten information I requested from their automatic website link that I was given. I am extremely concerned about my personal information as I am one of those affected by the recent massive breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Synchrony Bank dated XX/XX/2020 stating that my account was being closed because I had a low credit score. At the time I was aware of my credit score which was a XXXX. They stated it was a XXXX which was grossly inaccurate. When I called the company to get clarity no one provided any 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 explanation
Consumer complaint received 2019-02-25
Company: BBVA FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX, and XXXX  to remove late and missed payments.. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.

Company response to consumer: Closed with explanation