BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has been hurting me as I am in the process of buying a home for my family. Please remove this account from my credit report i sent already 1099-C

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 2023-12-12
Company: Consumer Adjustment Company Incorporated
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I mailed a Certified Debt Validation Letter to Consumer Adjustment Company via United States Postal Services which was delivered on XX/XX/2023. I waited 30 days to receive a response from the company ; however, I did not receive a response. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX and it was delivered on XX/XX/XXXX giving Consumer Adjustment Company 15 more days to validate debt. However, we are now passing the 15-day mark with no response from Consumer Adjustment Company . After several attempts to validate this debt, I still have not received any communication and this unknown debt remains on my credit report which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I reached out to the credit bureaus in regards to an account that they are reporting illegally on my credit report.This account has to be deleted immediately : ( Account Name : XXXX XXXX XXXX - Account Number : XXXX ) Re : Violation of Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) - Request for Deletion of Unauthorized Account I am writing to bring to your attention a serious matter concerning an account on my credit report, which I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681 ( a ) ( 2 ) ( B ). Furthermore, I wish to highlight certain provisions of the Truth in Lending Act ( TILA ), specifically, 15 USC 1602 ( g ) and 15 USC 1681n, which have been transgressed in this matter. 

XXXX XXXX XXXX XXXX XXXX, failed to comply with these obligations by not disclosing to me, as a consumer, the required information about the disclosure of my nonpublic personal information to affiliated and non-affiliated third parties. Additionally, they did not provide an explanation of how I, as the consumer, could exercise the nondisclosure option, as mandated by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: IL
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My full legal name is XXXX XXXX and my date of birth is XXXX : XX/XX/1957. My social security number is XXXX : XXXX. My current address is Current address : XXXX XXXX XXXX XXXX, California XXXX. I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. 
I did not receive any money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 
Enclosed is a copy of my Identity Theft Report, supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that the information you provided is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent experiences I have had while attempting to open accounts with your institution. Despite multiple efforts, I have encountered numerous issues, delays, and errors that have severely inconvenienced me. 

To provide some context, I initially decided to open accounts with XXXX XXXX and XXXX XXXX XXXX based on your institution 's reputation for excellence in financial services and the attractive account offerings you have. However, my experience has been far from satisfactory. 

I made my first attempt to open an account, and it was met with an unexpected delay. I patiently waited for the process to be completed, but after several weeks, I received notification that there had been an error, and my application was not processed correctly. 

Following this initial setback, I decided to give your institution another chance and submitted a second application, I encountered a similar delay and frustration, with communication from your institution being sporadic at best. 

Not willing to give up, I made a third attempt to open an account. Unfortunately, this experience was marked by further confusion and delays, causing me significant inconvenience and distress. 

I believe that every individual deserves a smooth and efficient process when trying to open a financial account, and my experiences with XXXX XXXX and XXXX XXXX XXXX have fallen far short of this expectation. The repeated delays and errors have not only wasted my time but also damaged my confidence in your institution 's ability to handle my financial matters competently. 

In light of the above, I kindly request that you take immediate action to rectify this situation. I expect a prompt resolution to my account opening process, with clear communication throughout. If there are any specific documents or information required from my end, please let me know at your earliest convenience so that we can expedite this process. 

Furthermore, I would appreciate it if you could investigate the causes of these issues and take steps to ensure that other potential customers do not face similar problems in the future. 

I trust that Credit Bureaus values its customers and their satisfaction, and I hope this matter will be addressed with the utmost urgency. If this issue is not resolved promptly and to my satisfaction, I will be left with no choice but to explore alternative banking options.The Credit Bureaus should correct the following late open accounts : XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$440.00}.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm requesting a complete & full certification process of the public record listed

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 2023-09-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
This loan is under my parent 's name. In XX/XX/2022 we sent a notarized family transfer form as requested by PHH Mortgage to have my parents removed from the loan and list me as the only primary borrower. All documents requested were sent with the form and they stated they needed the lien to be changed to name only for me XXXX XXXX to assume the loan. The same mortgage company PHH now placed forced placed insurance because the insurance policy is under my name only and not my parents which they required to be removed from the deed in order to process the assumption. PHH has continuously delayed the assumption process and now i have my own insurance policy and they also have an insurance policy which is illegal to have 2 policies for the same collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NY
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:
These accounts are recorded in an inappropriate way in my history, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
The balance you are reporting I owe is incorrect and doesnt match my records. The payment history doesnt match my records. The date opened doesnt match my records. The account status doesnt match my records. Nothing matches. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I signed up for a payment plan to buy a piece of furniture with Rooms to Go. Without my knowledge or consent, they signed me up for a store credit card which was how the debt was to be paid After I received my first bill, I immediately enrolled in autopay. Despite my efforts to set up automatic payments, I received a late payment notice. I confirmed my enrollment and then tried to reenroll in autopay to confirm. Then I continued to receive more late payment notices and late fee assessments. After I tried to correct the issue, I ultimately decided to just pay off the debt in full to avoid any further hassle with the company. I believe the company has effectively stolen {$66.00} from me through late fees that were assessed as a result of their own unreliable autopayment system. I spoke with a customer service representative today XX/XX/2023, and she confirmed that this is a common compliant she hears from customers. 

It appears that, at best, Rooms to Go/Synchrony bank is knowingly assessing and collecting late fees from missed payment caused by their own system.

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 2023-09-27
Company: EQUIFAX, INC.
State: DC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. 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. My credit report includes the following erroneous information that needs to be investigated and correct 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 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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.

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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022 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 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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:
The account in question pertains to a XXXX vehicle Account number XXXX ( XXXX XXXX XXXX XXXX  XXXX ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report.

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: AZ
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 contacted Experian by phone on XXXX to report an inaccuracy being presented on my consumer report. I requested to have this account ( XXXX XXXX XXXX ) removed because the account does not belong to me. Further, XXXX XXXX XXXX violated the FDCPA rule 809 since I was not notified in writing prior to this alleged debt being reported on my consumer report. 
Experian is now requiring me to provide personal information and explain ( prove ) why this alleged debt/account does not belong to me. However, the entity ( XXXX XXXX XXXX ) was not required to provide any information whatsoever to prove the validity/accuracy of this alleged debt. Why do I ( the consumer ) have to prove why an account that was never validated DOES NOT belong to me when the entity is not required to do the same prior to reporting the account on my consumer report.

The verifying documents that are being requested of Experian ( from me ) have already been provided on numerous occasions via certified mail. I have attached these documents for review. Where are these documents being stored and why am I continually having to provide them when I identify an inaccuracy on my account.

It seems that the credit bureaus are more supportive of reporting inaccurate information without any validation as opposed to recognizing an inaccuracy identified by the consumer and removing that inaccuracy in accordance with Fair Credit Reporting Act and FDCPA rule 809, Validation of Debt requirements.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
EXPERIAN is obligated by the FCRA to report accurate accounting. I have advised ALL the inquiries reported were fraud. Said company had 4 days according to LAW to remove such items. I am now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am NOT asking for an e-oscor report. If EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filling form XXXX XXXX  XXXX  forms to audit my account. EXPERIAN is securitizing my data yet refuse to provide me a copy of my CONSUMER FILE NOT CONSUMER 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 2023-10-10
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: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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