BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
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 status incorrect

Complaint:
To whom It may concern Experian and Consumer Portfolio services My account is reflecting XXXX  % paid in full but you also state that there is a written off balance if an account was brought to a XXXX  balance and reflected at XXXX  % paid off how can a debt be sold to another come I have never signed with no proof of the debt was provided as well the information that is being proved to the bureaus is inaccurate and incomplete which makes this account in violation of the FCRA laws and my rights as a consumer to have accurate and complete information reported to the credit bureau not only have you violated my privacy Right you have violated my FCRA RIGHTS AND I AM DEMANDING THIS ACCOUNT BE DELTED FROM MY CONSUMER REPORT YOU ARE IN Violation of the laws by not reporting an accurate and complete credit report bc by the balance stating paid in full with a XXXX  balance

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 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Bank of America inadvertently closed my account without notice. I was hospitalized and needed to use my account for necessities. Even after I spoke to customer service to rectify issue the company would not address the issue. The account was closed on XX/XX/2023 and the customer service said that it was voluntarily closed by the borrower, which is completely false as I contacted them regarding the closure of the 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 2022-10-23
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3100.00} ), XXXX ( Date Opened : XXXX, XXXX, Balance : {$3500.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8800.00} ), XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-07-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been disputing this information for years that certain accounts do not belong to me. The credit reporting agencies and the collecton agencies seem to verify the information within hours! This was originally reported as Identity Theft back in 2017, the person involved went to prison over this. Yet, the accounts still sit on all of my reports. I have since filed an updated report with the FTC. 

I have written to all three credit reporting agencies, provided documentation beyond the necessary limits and yet they never remove the information, nor do they acknowledge that they receieved anything from me. 

I have tried to upload documents through their dispute process but the system is always " unavailable '' and just won't upload even the smallest PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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: Personal information incorrect

Complaint:
To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on XX/XX/2022, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 

Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. 

Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2019-08-21
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: Was not notified of investigation status or results

Complaint:
I contested 2 collections on my credit report with Transunion and there is no status. 
The amounts owed are medical and hospital bills that are covered by Medi-Cal. 
I have been working with XXXX, a legal aid society of XXXX XXXX, CA, on contacting the creditors. Since the creditors are not cooperative and are not submitting the bills to Medi-Cal,  and they are not willing to communicate with the XXXX rep, XXXX has assigned the matter to a legal case and turning it over to their legal team. If needed, I have a copy of the legal packet. The bills go back to XX/XX/XXXX and XX/XX/XXXX and are from the City of XXXX and XXXX XXXX XXXX. The amounts are around {$4500.00} and {$1900.00}. 
I have myself contacted the creditors several times and submitted
my Medi-Cal information to them numerous times with no results. The XXXX has requested the creditors to submit a {$0.00} invoice to me and to the credit bureau but they are not cooperative 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 explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
XXXX TIME SUBMITTING DISPUTE! 

Failed to investigate to inquiries. 

Will try to give Generic Response 's to manipulate and close case out without any action and no investigation. 

Allowed to companies to pull my credit report without authorization and refused to investigate. Filed a dispute three times and within 10 minutes both disputes were completed and verified. 

Failure to properly investigate a dispute is a violation. 

I will continue to pursue every legal avenue and continue to file disputes and complaints until they can either prove that I did it with an application or a signed document or something allowing these two people to pull my credit or until they delete the inaccurate inquiries. 

Equifax had my information mixed up with somebody elses information and I have no accounts with these two inquiries. My belief is these two inquiries belong to the other person they had my account mixed up with. 

They are willfully and negligently failing to provide me with an accurate credit report which I am entitled to. I did not authorize these two inquiries! 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: ENCORE CAPITAL GROUP 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:
There are 2 fraud accounts on my credit. The first account is Midland Credit and the second account is XXXX XXXX XXXX. I didnt open either of those accounts and I am requesting these accounts to be removed from my credit. Upon contacting Midland, they have some one else information linked to my name and social. 
In reference to XXXX XXXX XXXX, they informed me that someone opened an internet account in my name. 
I am not responsible for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Information belongs to someone else

Complaint:
I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.

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 2021-08-29
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wallet was stolen with social security card, military ids, state driver 's license at the beginning of XX/XX/2021. I filed a police report with XXXX police department in XXXX SC. I've been receiving credit statements and overdrawn bank account statements that I didn't apply for. 
XXXX XXXX  Bb & t bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-10-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard Credit Inquiries on my Equifax and XXXX Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with XXXX XXXX on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met EQUIFAX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. Equifax and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX  and Equifax to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND EQUIFAX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX   AND EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: EQUIFAX, 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:
XXXX XXXX has reported late payments on all three credit bureau 's when payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I sent an email to the head of Capital One requesting a Goodwill Adjustment tothe negative marks on my credit report in reference to my auto loan. In spite of being charged nearly double for my car after financing by Capital One, I was a favorable customer for the first two years of my loan, paying my bill on time or early, up until the time I fell on financial hardships in XX/XX/XXXX due to being laid off. As a matter of fact, although laid off in XX/XX/XXXX, I continued to keep my Auto loan a  priority and it remained current until XX/XX/XXXX when my savings ran out. 

After my lay off, I ended up incurring roughly 14 months of negative payment history. However, once I regained employment and was able to again reorganize and build up my finances, I also caught up my Capital One Auto Loan and have kept it in good standing. 

I included all of this information in my request to Capital One, and was notified via phone, last week, and via mail, today XX/XX/XXXX that my request to remove the negative marks as a show of goodwill was denied. I was also given no reason. 
I explained to Capital One that I am attempting to purchase my first home, and that these derogatory marks from the period when I was experiencing financial hardship are the strongest factor in preventing me from getting a good interest rate on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion, XXXX was sent letters by myself to remove 1 account with inaccurate data across all 3 reports, they have since after receiving the letters updated all 3 reports with more wrong information and all 3 reports are still mismatched one showing charged off one showing open with no balance one showing a balance and open all 3 have wrong opening dates, last payment dates and last reported activity dates another, another account i asked about to be removed due to also has wrong dates balances and last time paid and the account is paid off and not reflecting on any of the 3 credit reports this is making it hard for me to obtain a mortgage due to this inaccurate information i have asked to be removed off my 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 non-monetary relief
Consumer complaint received 2016-10-15
Company: Credit Karma, LLC
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
no phone number to call company and ask how is checking my credit Loring, See if you 've made progress toward building a credit score. 
You last checked in on XXXX/XXXX/16. 
Credit Karma , Inc., XXXX. XXXX XXXX, XXXX XXXX, CA XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account XXXX XXXX # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion did not address the full issue. I did not ask if the account was sold to XXXX XXXX! I stated that XXXX XXXX accounts do not belong to me. I found out that the account belongs to someone else that has a different address. XXXX XXXX have demographic information on the erroneous accounts that do not belong to me. Please verify the name of the person who transunion spoke with at XXXX XXXX that verified this account belong to me, please provide a copy of the original contract from redrock showing that i have a legally binding contractual contractual obligation to pay them the exact amount with my signature, the description of the procedure used to determine the accuracy and completeness of the information, name, address and phone number of the person that was contacted regarding this alleged account. By law when disputing an account it should not be showing on my credit reports. reinvestigate these account thoroughly!

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 2019-04-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the process of viewing my credit report due to bankruptcy  and creditors changing information, Fair Collections and Outsourcing had not updated their information correctly. This account is listed in a active bankruptcy and needs to reflect as so or be removed permanently. At this point of time the account is showing as opened and consumer disputed this account and confirmed with accurate 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 2021-04-29
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: Account information incorrect

Complaint:
As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my XXXX XXXX credit card account. To this day the company continues to report to XXXX and Transunion each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to XXXX XXXX who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.

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