BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: NC
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:
1st Complaint, Experian refuses to report my name accurately, at present is reported in Experian as XXXX XXXX XXXX ; correct name is XXXX XXXX XXXX ( Reference Birth Certificate, Social Security Card and ID cards included in attachments ). I have tried talking to several representatives on various dates over the phone : XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

2nd Complaint, Experian is not reporting accurately on my credit report after my Chapter XXXX Bankruptcy filing, I initiated a formal dispute on XX/XX/2018 to Experian and it did not resolved the problem. Moreover, I even provided a reference of the Fair Credit Reporting Act to Experian ( Reference my attached Experian dispute letter ) in my letter and again the problem remains. Furthermore, XXXX  and XXXX  are reporting my Chapter XXXX Bankruptcy filling correctly ; giving me the chance as a consumer to build my credit and get a fresh start on my finances. Unfortunately Experian is not providing me with the same reporting information ; showing 18 late payments, collections, charge offs, etc. Please i need your assistance to resolve this issue with Experian and begin my fresh start with my finances. Thanks for your time and attention in this Matter. 

XXXX XXXX XXXX ( Ret. ) XXXX Veteran

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 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have completed the final payment on my car loan and it is still reflecting I owe money. In XX/XX/2018 it shows that I was late on my payment. Incorrect 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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Multiple accounts on my credit report I do not recognize XXXX XXXX {$3500.00} XXXX  {$400.00} XXXX XXXX {$400.00}

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 2017-03-21
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I C SXXXX COLLECTIONS # XXXX XXXX , MN XXXX XXXX Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$450.00} Date Updated : XX/XX/XXXX Original Amount : {$450.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due XXXX {$450.00} XXXX Pay Status XXXX In Collection XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR XXXX PLACED FOR COLLECTION XXXX Estimated month and year that this item will be removed : 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 2017-04-24
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are nu merous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in two letters, one fax, and  called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX   My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2019-09-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an inquiry on my credit file that I did NOT authorize. The inquiry is from XXXX/XXXX XXXX says its a mortgage company. I did not start mortgage shopping for my home until XX/XX/2019. This inquiry is listed XX/XX/2019. I also have a fraud alert on my file and some sort of contact should have been made to me for this inquiry. I DID NOT AUTHORIZE THIS INQUIRY AT ALL. I tried disputing the inquiry with Experian multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 

XXXX/XXXX XXXX XX/XX/2019

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 2021-04-08
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello this is XXXX XXXX i am a XXXX XXXX. i have sent out a 30 day 609 validation later and a 15 day vitrifaction letter for my client XXXX XXXX. i have sent out the 15 day letter out on XXXX XXXX and the 30 day letter out XX/XX/XXXX XXXX i haven't received any response back from the 3 credit bureaus XXXX , XXXX and Equifax or we haven't seen any changes on her credit report. it has been passed over 90 days now. they have field to provide her proof that the debt is hers. she contact them numerous of time and told them that there is incorrect information on her credit report. i reported to them to delete incorrect information such as, addresses, names, jobs, car loans and they have field to do that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
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. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Opened Date XX/XX/2015 Balance {$350.00}, XXXX, XXXX. XXXX Opened Date XX/XX/2015 Balance {$870.00}, and XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}. 

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 2023-03-14
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: Account status incorrect

Complaint:
XXXX XXXX XXXX  reported my account late in XXXX of 2022 but my late payment was waived on XX/XX/XXXX therefore a late credit report shouldnt be on my credit file. Its false and inaccurate and was never paid 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. 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 accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX 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 explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX of XXXX XXXX now XXXX XXXX of XXXX XXXX is affecting my credit scores since they informed that I have 3 months in past due after being affected by natural disaster. I completed my 3 months moratorium after the Covid19 started. I started paying my loan as soon as the moratorium ended. I have never pay late this mortgage during 14 years. When I visit the bank in two times with appointments they told me that they are going to check since on their computer they don't have late payments reflected. Then why my score drop down 75 points in one week and when I checked it was them reporting late payments.I visit them on XX/XX/2020 and one employee told me that she was going to pass the information of my claim to a supervisor but she did not give me a case number or a phone to call for follow up. They never answer the phone and is only an answering machine. Please 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 2022-09-02
Company: EQUIFAX, INC.
State: NC
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 sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. 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 accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan was paid off XXXX XXXX, XXXX. The company is trying to say that I owe another payment and XXXX and something in interest. They pulled XXXX out of my bank account on XXXX/XXXX/XXXX. I never received any notice that I owed any extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need to dispute 2 transactions made with my debit card ending in XXXX, I tried to reach the bank by phone but all the times the waiting time was crazy long, I dont have time to waste on that. And they dont provide any other options to report this charge back request. 

Transaction 1 : XXXX posted on XX/XX/2022, Is a XXXX  XXXX XXXX, I should received the item on XX/XX/2022, the seller never sent the item Transaction 2 : XXXX posted on XX/XX/2022, Is a XXXX XXXX XXXX  XXXX, I should received the item on XX/XX/2022, the seller never sent the item I tried to reach the merchant several times but they never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}

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 2021-03-11
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:
I have tried multiple times to clear XXXX XXXX XXXX Derogatory comments on my credit report. This account was NEVER mine. My credit history validates this as I do not have negative payment history. Experian is falsely displaying inaccurate information about my open and closed accounts. 
I have tried multiple times to have them investigate and they keep returning this is valid debt when it is NOT a valid debt and was never my debt.

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 2019-07-18
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Provident Funding in XXXX XXXX, CA is stinks. 
FYI, I live in XXXX, and I don't own any property, I also don't own car. I have good job with good pay, I have very good credit history score as well/ I started refinance my mom 's home in TX on XX/XX/2019 for only XXXX refinance amount. 
Underwriter initially approved, then requesting a lot of documents ( documents of your business 3 years ago, bank statement of anyone who sent/received money from your bank acc ), greedily wanting to involve more borrowers for the security of loan. 
Underwriter said my debt ratio was high for loan amount because I lived under same proof with my spouse.??? What nonsense it is when title/mortgage statement/note didn't include my name. They even requested to see my husband 's bank statement to see if he is able to pay mortgage on his own without my help. 
If they didn't get what they want, they simply rejected the loan no matter what effort you put. At the end, borrower is the one got hurt : time, money for appraisal, effort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MO
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 am formally requesting with this CFPB complaint for the Credit Bureaus to correct or remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. Please investigate and correct the following accounts : XXXX XXXX Balance Owed : {$11000.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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: Investigation took more than 30 days

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with XXXX and 13 with XXXX  along with experian none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.

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 2020-02-19
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
ESO Corporation, is in violation of 15 U.S.C 1692-1692p. On 2020 XX/XX/XXXX I XXXX XXXX do swear that I received a phone call at work from a Representative of ESO Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692 ( d ).

The individual calling did not want to provide information to me that would help me to understand the propose of her call. I was unable to talk at the time of the initial call, so i called back and spoke with a several members of the staff. 
I verified with them my name, and the number in which i was calling from. Each person i spoke too was unable to provide the purpose of there call unless i provided them with additional personal information. Each person i spoke with was both abusive and oppressive with me on the call in violation of 15 U.S.C.1692 ( d ) ( 2 ).

Company response to consumer: Closed with explanation