BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-15
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am submitting more evidence in my credit dispute regarding an item on my credit report # XXXX. 

I do not dispute that my payment to XXXX XXXX was 30+ days late. I 'm disputing the reason WHY the payment was late. I have already spoken with them and they removed the late fee once they heard WHY the payment was late. 

As you may be aware, the XXXX was hit by devastating XXXX this winter. In XXXX, the XXXX. During this time, I had all my bills forwarded and was able to keep up with all my credit obligations ; however, I apparently misplaced the single XXXX XXXX bill and so it was late. Once I learned of the delinquency, I paid it immediately. They were cooperative with me, and removed the late fee. 

I have a pristine credit record, which I have worked very hard to achieve. This late fee on my credit report has dropped my credit rating from XXXX to XXXX. As I am nearing retirement, this may have devastating impact on my ability to purchase a retirement home, move, etc. 
I know that credit reporting bureaus have the ability to remove information should they so choose. I urge you to take my prior and pristine credit into consideration, consider that the store in question had no problem recognizing that the 30 + day delinquency was due solely to extenuating circumstances, and the impact the drop in FICO score has on my credit report and my reputation. I am also sending this along to the Consumer Financial Protection Bureau, as I know they are interested in issues of this type.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is Reporting A Transferred Revolving Credit Card Account From XXXX. Which they have not verified the debt that I owe.

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 2016-09-16
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me from 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 explanation
Consumer complaint received 2016-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am a single mom. The birth father of my XXXX son XXXX is deceased. I contacted Experion after they failed to remove my Chapter XXXX Bankruptcy as required by law, according to what was reported to me by both XXXX and XXXX. Both XXXX and XXXX removed the Chapter XXXX in XXXX XXXX. Both XXXX and XXXX explained to me that they had no choice but to remove the Chapter XXXX, that it was required of them by law. 
Experion has informed me that they want to hang onto the Chapter XXXX until XXXX XXXX. 
This causes confusion and financial hardship. The bankruptcy was the idea of my then husband, XXXX XXXX, who is not my XXXX son 's birth father and who became tired of being the step-father of an XXXX young man and rebelled by committing what seemed like financial suicide. He got his car free because I paid for it and he stood to get a free house because his parents were near death and he would get their house, so he did not care anymore about our finances. I actually ended up paying many of the debts because I did not agree that we should file Chapter XXXX but I could not talk him out of it. I paid in full for both my XXXX and his XXXX. I got power attorney and paid the home loan that was in his name and assumed it and it is now in my name, XXXX XXXX number XXXX. I have never been late on any of my debts since my divorce from XXXX XXXX. Having this Chapter XXXX stay a year longer on Experion on serves to make it harder for me to get a loan to pay for my XXXX son 's XXXX. ( My XXXX son suffered XXXX caused by XXXX he was given for XXXX when we had to go to court to fight to keep our home and car and were allowed to, but XXXX was very difficult for XXXX to endure ). XXXX may have to suffer from XXXX a year longer because Experion is hanging onto the Chapter XXXX a year longer than the other credit bureaus. I hope that Experion will use the same guidelines that XXXX and XXXX are using regarding this Chapter 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 2023-03-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-12-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Overlimit fee

Complaint:
CitiXXXX XXXX Master Card/XXXX charged me a {$39.00} over-limit fee for being {$79.00} over the limit. 
I am a 20 year card holder and I called to ask it removed. I was told they would not. 
I asked to have a block put on the card so it would not happen again. 
They said they would not - it was my problem to watch my spending.

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 monetary relief
Consumer complaint received 2015-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have previously submitted several disputes to Experian regarding my payment history on my XXXX XXXX account. Each time I submit a dispute and provide documentation to support my dispute they state that they can not use the information which in many cases results in my credit report staying the same. Recently XXXX XXXX added a repossession to my credit report on XX/XX/XXXX for the month of XX/XX/XXXX. This lender reported payment status never appeared on my credit report in the past and when I attempted to dispute this with Experian they stated that XXXX said it was valid. This lender reported status was added to my account almost 21 months later without any notification or supporting evidence to show its was valid. In addition to the repossession, XXXX XXXX through the use of the CFPB agreed to change the delinquent status for XX/XX/XXXX on my credit to reflect a positive status. XXXX XXXX never changed the status and a dispute was opened. A copy of the CFPB investigation results presented evidence from the response received from XXXX XXXX that they were to change the status, but Experian failed to utilize this document and again allowed XXXX XXXX to add this information to my report. Also XXXX XXXX has added a XXXX past due for the month of XX/XX/XXXX. This is inaccurate as my XX/XX/XXXX payment is not due until XX/XX/XXXX. Experian seems to allows these inaccuracies to remain on my report without even validating them. After several phone conversations with both XXXX and Experian the issue comes down to date the information was reported. In XX/XX/XXXX Experian stated that XXXX reports the XXXX of each month, but XXXX states that they report the last day of each month. On XX/XX/XXXX I spoke with Experian who stated that XXXX reports to them on the XXXX day of each month which then raises a red flag about some of the statuses on my account. Attached are my past XXXX XXXX XXXX and updates dating back to XX/XX/XXXX. As you see that no repossession was ever reported on my account until XX/XX/2015, also the payment status for XX/XX/XXXX was never changed as stated in the CFPB investigation response. Again all Experian does is call the creditor and ask if the information is valid and pending on what the credit says is how the information is added to the report. Please help because this really making my finances difficult.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Delete these Addresses as I have asked before. They are not my addresses and I never lived there before : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like you to review this account number, status, original amount, and balance. I think it 's not XXXX accurate and remove this collection immediately from my credit report. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX & XXXX XXXX I am requesting investigation on opening date, date of last activity, and account name. I believe this information may be inaccurate. Remove immediately from my credit file. 

U S DEPT OF ED/XXXX XXXX Begin reviewing the payment amount, status update, account status, and the high balance. This information may be misleading. Immediate removal of this item is required of you. 

U S DEPT OF ED/XXXX XXXX I need the following investigated : payment amount, status update, account status, and the high balance. I believe this information may be inaccurate. Please remove for violating the FCRA. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXX This collection is in dispute because the original amount and the current amount do not match my records. Please delete this item immediately for it 's inaccuracies. 

XXXX XXXX I XXXX This item is in dispute because I believe the date of opening and date of last activity is not a XXXX % accurate. Please remove this collection immediately for its inaccuracies. 

XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not XXXX % accurate and remove this collection immediately from 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 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I discovered that my credit score dropped as of XX/XX/XXXX because of an inquiry on my credit report. I did not authorize such a request, nor have I made any recent major purchases, etc. that would have triggered it. 

XXXX sent me an email today, XX/XX/XXXX with the following information : ===== Moments ago, someone requested access to your XXXX credit report. Access was denied because your report is locked. The requester has been identified as : CAPITAL ONE XXXX CAPITAL ONE XXXX, VA XXXX ====== I intend to contact Capital One for more information, but wanted to ensure CFPB was aware of this instance. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: GA
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:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: VANDYK MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I was referred to use this company in the process of obtaining a home loan. They have been extremely careless with my file, requesting extension after extension of the closing date. We have had over XXXX extensions and now the seller has cancelled the file and our deposit money is in jeopardy of not being refunded. On top of the deposit money, we are out of pocket over {$2500.00} on various inspections that were required by Van Dyk Mortgage. In addition to causing the seller to cancel the contract after four months of trying to get it closed they were attempting to charge me nearly {$5000.00} in rate lock extension fees at closing to which I believe is their modus operandi to force extensions so they can pocket thousands of dollars in rate lock fees. They also refused to provide documents for legal review, stating " we do n't like lawyers reviewing our paperwork ''. I am currently out of pocket over {$12000.00} and the company is threatening me with legal action for posting negative reviews of their services. I have documentation to back up my claims and to prove these extensions were through no fault of ours yet they still refuse to even apologize for the 4 month runaround and losing me a significant portion of my life savings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-28
Company: Experian Information Solutions Inc.
State: GA
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:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX 's showed up on my credit acct number XXXX on XX/XX/18 with amt od {$0.00} please have them remove this acct. I do have a XXXX acct but it is a different acct number and this one is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I received a letter from the Florida department of financial consumer services notifying me of the liquidation of my current home insurance provider, XXXX  XXXX XXXX XXXX   Two weeks prioir I submitted the renewal check to XXXX XXXX XXXX XXXX   approximately on XX/XX/2019 and they cashed my check. Legally and in good faith the insurance company should have never cashed my checked and should have resubmitted back to me by mail but they did not, instead they cashed the checked knowingly that they weer being shut down by the state. I tried for weeks to get a hold of someone in the insurance agency but had no luck, just a voice mail box to leave your information and call back number and they will call you back. I then called my bank, Bank of America to file a fraud claim, after the entire 90 day investigative period they sent me an email notating that hey denied my claim citing " our investigation of the claim determined that you authorized the transaction ''. WELL Of course i authorized the transaction they were my home insurance providers   for the previous 2 year. Bottom line is that I would have thought that bank of america would definitely help me on this and they did not, I loss a total of {$380.00} as part of the first quarterly down payment, thank god I did not pay it in full like some people do. Beware, I would go elsewhere than banking with bank of america, the supervisors name was XXXX XXXX from the fraud claims department. Horrible experience, I will be leaving them.

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 2016-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wrote to the federal courts to ask them when and what did they report to transunion about bankruptcies report on my credit report. Received a letter back from the courts stating that they do not report and thing to the credit bureaus and they do not verify and thing to any one that could possibly be reported on my credit report. Upon disputing the XXXX bankruptcies reported on my credit report i received a letter from transunion stating that they verified each bankruptcy and there is no change.

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 2018-05-30
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have done my research on this collection company that is reporting to my Credit Reports that I owe a debt, and in my findings I discovered via The California Secretary of State that XXXX XXXX XXXX is not, nor have they ever been bonded in the state of California to do business and/or collect debts. So i have questions : 1. What is your authorization of law for your collection of information? 2. What is your authorization of law for your collection of this alleged debt? 3. Can you evidence your authorization to do business or operate in this state?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28
Company: Larry H. Miller Group of Companies
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have PAID {$280.00} A MONTH FOR 15 MONTHS THE BALANCE NEVER GOES DOWN THE INTEREST RATE IS REDICULOUS. THE SELLER XXXX XXXX. XXXX IN XXXX, UTAH SOLD A " LEMON AND NUMEROUS VEHICLE PROBLEMS ". XXXX XXXX. XXXX OWES ME!!!! I HAVE TRIED NUMEROUS TIMES TO CONTACT XXXX XXXX. XXXX AND THEY HAVE YET TO CONTACT ME. THEY SHOULD " GIVE '' ME AND MY DAUGHTER 2020 NEW VEHICLE 'S ( FROM XXXX DEALERSHIP ) AND XXXX, UTAH PAYS FOR BOTH OUR VEHICLES AS WE WERE DELIBERATELY LIED TO AND OVERCHARGED AND VEHICLES BOTH NUMEROUS PROBLEMS. MY DAUGHTER 'S ENGINE BLEW, MINE HAS COST {$5000.00} BY ME AND {$9000.00} BY MY INSURANCE PROVIDER IN REPAIRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, a natural person and the original creditor of an open-end credit plan, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief