BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXXXXXX XXXX Balance : {$8600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: AL
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:
The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.

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 2023-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
This was my follow up complaint regarding the previous complaint I've submitted. As I just want to make sure the Credit Bureaus namely XXXX, Equifax and XXXX, to please guarantee the removal of these listed specified inquiries from my credit reports. And as an assurance, I am asking the presence of the Consumer Financial Protection Bureau ( CFPB ) to oversee the removal done by the 3 mentioned credit bureaus. Here 's the list of the inquiries I want to remove : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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 is missing that should be on the report

Complaint:
On XXXX I submitted an application for an apartment. XXXX was the company used to obtain the report. The report listed my credit score as a XXXX from Experian. I used Experian credit monitoring services, my score is listed as a XXXX. Additionally the report listed no rental history. I reached out to Experian first, they explained that the criteria for the loan, lease, rental is different and that would impact the score. If my score is based on credit then those two numbers should be fairly the same not a XXXX point difference. I contacted XXXX regarding the rental history, and the stated they requested the data from Experian Rent bureau and does not compile any of the data. The Bureau stated that property managers are not required to report data to them if there's data they will report it. I believe an injustice is being done here if places I rented with aren't reporting my rental history is okay for Experian rent bureau to negatively impact my rental score. I can not control what owner and property managers do, but I'm been held accountable for it and its affecting my ability to obtain a new lease. Please advise.

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 2020-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Back in XX/XX/XXXX, I got an alert on my credit report that there has been a hard inquiry placed from capital one. I called right away to remove it and they said they placed a fraud alert on my account and it should alert XXXX and XXXX so they can remove it. I checked back around XX/XX/XXXX and XX/XX/XXXX to see the status and they said the same thing, weve placed and fraud alert, it should take 30-90 days. Well, it has been over 90 days and they said wait. My credit report STILL has capital one on both XXXX and XXXX. Both credit bureaus said In order to remove it, I need to obtain a hard copy ( letter ) from capital one stating that it was not me, and then clothed can remove it once I send that letter off. Capital one said they cant send the letter. Now Im stuck with an inquiry I NEVER did and my credit score dropped all because of identity theft!! This also goes for XXXX XXXX. Someone opened an account on XX/XX/XXXX and I did the same procedure back and forth with the credit bureaus and credit card companies. Both XXXX XXXX and capital one said they placed a fraud alert but cant help me with any evidence that I need to show XXXX and XXXX that its not me. I did numerous disputes with XXXX  and XXXX but they denied it unless I obtain a letter from the credit card companies stating otherwise. I NEED HELP TO REMOVE THESE INQUIRIES ASAP!!!! Its been since XX/XX/XXXX and its XX/XX/XXXX. No change at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: LA
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:
The account in Question is with XXXX XXXX. The payment was delinquent and was eventually charged off. The problem is the XXXX XXXX is refusing to update the dates correctly. This account should have been removed from my credit reports in XXXX of this year, however now it is has once again continued to stay on my report and XXXX XXXX nor the 3 Credit Bureaus will correct the dates and remove this information as they should according to the FCRA and Federal Law. 

The date of first delinquency on this account was XXXX, XXXX. This means that according to the FCRA and Federal Law this account should have been removed. I am not sure what sort of games XXXX XXXX is playing but every time I call to speak with a rep, no one will work with me. I have contacted and disputed this information with all 3 credit reporting agencies and they continue to report the innacurate information. According to XXXX XXXX, Experian, XXXX and XXXX now the date of first delinquency is XX/XX/XXXX. This means that this will now be on my reports for another year or more. 

I have tried every other means to correct this issue with all parties involved and no one will listen or cares enough to actually investigate as they should to see that this information has continued to change year after year. 

It is extremely frustrating that these company 's are allowed to do this to the average consumer like myself and hurt our chances of improving our positions in life. I am not excusing the fact that I allowed this account to go delinquent and then be charged off but this was over 7 and half years ago and I am doing everything in my power to do the right things. 

You can't keep changing the finish line because you want to harm consumers, it isn't right nor legal.

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 2023-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called American Express on XX/XX/22 to close my account. I was told my card was canceled but future transactions would be paid. I stated that is not what I wanted. I wanted my account closed with no future transactions. They said this was not their policy and would not honor my request. 
I received a callback from XXXX, a supervisor, who again stated my account would not be closed according to my request. Future transactions would be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over 30 days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: AZ
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 Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX. 

15 USC 1681 section 602 A States the rights to privacy.

15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 15 usc 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX  XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have provided a police report a FTC report for fraud. At this point mentally Im not ok because of the defamation continuing. Ive asked for the Company not to report this and find the right person. Its a shame o have to do all this state law use fancy words. I only want this issue resolved. This is not my debt. Ive attached reports of fraud. I want bris account remove from my Report immediately

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 2017-10-10
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I paid the Speedy Cash loan in full almost two years ago and they keep harassing me they put it on my Credit Report and keep threatening me. I 'm sick of it I provided proof of full payments debited out of my bank account through ACH. They insist on harassing me and calling me and threatening me. I 'm tired if it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had a payment plan back in XXXX that was supposed to go from now on to pay off the debt with the original collection agency and then I noticed that none of my transactions for biweekly payments were processed. that being said I contacted XXXX XXXX   the debt collection agency and they told me XXXX XXXX XXXX recalled the account debt. This new debt agency had failed to contact me via cell or my mailing address accurately however the old debt collector did and so when I contacted the new collection agency they told me they tried to contact or notify me and they put it on my credit report as delinquent as when in fact I have been attempting to make payments so as a result my credit score has suffered greatly. My previous debt collection agency had no information on the new collector whos name is enhanced recovery company and they also increase my debt total

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I received an offer from XXXX offering XXXX XXXX with soft pull inquiry using data provided from credit bureau ( Transunion ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to Transunion without my consent. I was alerted the next day that there was a hard pull on my Transunion report. I immediately called XXXX XXXX rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing XXXX XXXX ( processor of XXXX XXXX ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my Transunion report. However, XXXX is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The XXXX card still came in the mail and didn't show as closed in their system 2 weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with XXXX and XXXX XXXX XXXX card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. XXXX XXXX  exact wording in emails received states : " XXXX XXXX is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept. I've reached out to Transunion multiple times about reporting this inaccurate account and tried to dispute but they say I need to reach out to XXXX XXXX. XXXX XXXX states they will not change anything on my report.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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 non-monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-23
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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late Closed : XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} Chargeoff : XXXX XXXX Balance : {$5200.00}

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