BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: PA
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'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 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 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a loan with CAPITAL ONE and XXXX XXXX. I have always made my payments on time. For some reason I realized that there were charge off accounts on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and CAPITAL ONE and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: I.C. System, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was made aware of this collection through a credit monitoring service. When I checked my credit report it did not say who the original creditor was. I called the collection agency I.C System, Inc. and they notified me who the creditor was.. I asked the collection agency why the didn't make an attempt to notify me of the debt prior to reporting to the credit bureaus. The woman on the phone who was very rude said they received returned mail. They were sending the statements to the wrong address. However, they did have my correct email and phone number but made to attempt to make contact me that way. I had no knowledge of an outstanding bill with this creditor which was with a medical office as my insurance covered the treatment. I told the women I would contact them first. She again was very rude, was yelling asking me if I was going to pay the bill and I said, " No. '' I phoned the creditor and they notified me that I had a co-pay due from my treatments. They too had sent the bill to the wrong address but never called or emailed me to ask me for my correct address. The office manager realized that it was a mistake to send the account to collections and we made an agreement for me to pay the outstanding balance directly to them and they would call the collection agency to have the account removed from my credit report. I made the payment over the phone immediately. The collection agency reported the next day to XXXX XXXX and XXXX  that the account was paid less then the amount owed which was incorrect. Then I received a receipt stating that I paid the debt directly to them which is incorrect. Then they reported to the Bureaus that the account is paid in full but they refuse to remove the account from at the request of the original creditor has made this request more then 6 times. They have said they can't according to the law. They have said they can't provide a letter stating the account will be removed according to the law. They have said if I dispute the account they will fight it. I have manage to get it removed from my XXXX  credit report but I can't not get it removed from XXXX XXXX. They have been rude, given false information to me and the creditor numerous times, to the point I've hired a lawyer.

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 find out that I have 2 accounts on my credit report in which I do not have knowledge of it. I sent a dispute to trans union and XXXX on XX/XX/2020, after XXXX investigation they find out I was right and they delete these two accounts from my credit report. But TransUnion did not respond about these accounts dispute. On XX/XX/2020 I sent another dispute to TransUnion, this time I event sent a copy of deletion from experian as a proof that these accounts doesnt belong to me and must be remove immediately. Because under the FCRA these informations is not 100 % accurate, but TransUnion still refuse to remove the accounts and to respond. I need your help.

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 2020-05-05
Company: Experian Information Solutions 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 XXXX XXXX app to keep track of my scores. I recently logged on and saw several 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 XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00} XXXXT XXXX {$1000.00} XXXX XXXX XXXX XXXX {$680.00}

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 2023-06-01
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with company. Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/XXXX. I do not wish to have any telephone numbers on my report. Below are the negative account/accounts impacting my credit : 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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello My name is XXXX XXXX. I've been urgently seeking to get my credit report to look identical across the bureaus. The only accurate snapshot of my total accounts and balances are on XXXX, which I will provide. I reached out to XXXX  and Transunion as a result nothing was done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX ; Account # XXXX has violated my rights as a consumer. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that as a consumer reporting agency can not furnish an account without my written instructions.

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 2021-04-10
Company: Colony Brands, Inc.
State: AZ
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:
Colony/Midnight XXXX  XXXX  ( XXXX XXXX XXXX XXXX, WI XXXX ) opened an account in my name for someone who fraudulently obtained my information on XX/XX/2015. Account charged off. {$990.00} written off. {$240.00} past due as of XXXX XXXX was never aware of this company before seeing derogatory information from them in my credit report. I have disputed this multiple times with XXXX  with no results. If this is my account I want to know what was ordered, and where it was shipped as it appears this card is specifically for online shopping stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I lost my card in the bank ATM at the local branch they refuse to give it to me out of the ATM machine and refused to send me a replacement card kept charging me late fees etc when I lost the card XX/XX/2022 I tried calling and they were not verify my identity based on the fact that they would not accept my phone number they were forcing me to receive a text message with a code, they discriminated against my phone number because it was a XXXX XXXX account which is federal database I have proof of everything. They would not accept my phone number and in person I presented original birth certificates State IDs passport well over satisfying the request to verify my identity but based on your multi-factor text authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: AMA Advisors, LLC.
State: CA
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:
Homebridge financial in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case Homebridge Financial. 

These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
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: Information belongs to someone else

Complaint:
I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: MIDFIRST BANK
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sold a closed on my house on XX/XX/XXXX. When I sold my house, I received the closing statement from the buyer 's attorney that listed the partial claim that was going to be paid back to FHA at the closing of {$35000.00} in XX/XX/XXXX and another one back in XXXX, I am not sure of that amount. But the overall amount that I had to pay back from the proceeds of my home being sold was over {$45000.00}. This was quite a surprise to me. I have contacted Midland Mortgage several times to get an explanation and an itemized printout of all payments, fees, and printout of payment history along with how this amount was calculated. I am just looking into this now because I sold my house. When I signed the one modification in XXXX, I had XXXX XXXX and was XXXX XXXX XXXX for 13 weeks. I was going through XXXX and XXXX for a year and on so many types of medication.

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 2023-01-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: DC
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:
There is an account reporting INCORRECT INFORMATION. XXXX XXXX is reporting that I have 45 charge offs?!!! That is impossible! It's is only reporting on experian

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 2020-07-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I WAS VICTIM TO AN IDENTITY DEATH AND MY INFORMATIONS WAS STOLEN ON 2015. 
FOR SOME HOW MANY CREDIT CARD WAS APPLY UNDER MY SOCIAL AND I DID NOT AUTHORIZE THEM. 

XXXX  AND XXXX  WAS ABLE ABLE TO IDENTITY THE IDENTITY DEATH AND WAS ABLE TO CORRECT MY CREDIT AND DELETED ALL THE FRAUDS ACCOUNTS. 
HOWEVER, EXPERIAN IS STILL REPORTING ALL THESE FRAUD ACCOUNTS ON MY CREDIT. 
I CONTACTED THEM AND FILLE A COMPLAIN TO HAVE THESE FRAUD ACCOUNTS REMOVE TO MY CREDIT BUT THEY DENIED ME. 

I WOULD LIKE TO HAVE EXPERIAN DELETE ALL THE FRAUDULANT ACCOUNTS. 

I ATTACHED MY CREDIT FULL REPORT ON XXXX  AND EXPERAN

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 2022-11-25
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a XXXX XXXX XXXX and TransUnioin shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXX Date Filed XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-12-05
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It's been over 60 days later I have not received a response yet. I truly feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2023-04-25
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:
There are hard Inquiries on my account that I didnt give authorization to the companies and according to the law they should 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 non-monetary relief
Consumer complaint received 2022-11-25
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation