BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-06
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After making disputes via online, Experian has blocked me from making further disputes online including updating my current address with them. I have a new dispute regarding XXXX new credit card that I 've received and XXXX of them has already reported to Experian inaccurately, however I ca n't dispute the inaccuracies via online, even though I 'm a paid Experian member.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Due to covid i was unable to work in the filed i am in and shortly after diagnosed with health issues which did not allow me to return to work and in need of filing for XXXX. 
In the meantime we were just down to my husbands income therefore we fell behind on our loan and had close to 11 missed/late payments. We have been current now and see no reason why we could not to continue this. 
I reached out to XXXX XXXX a few times during covid and they did allow us to move a payment back however since we have remained current and on time on XXXX XXXX i called XXXX XXXX and spoke with a customer service rep requesting due to these above circumstances that were out of my control and are currently in good standing would they consider removing the almost {$3000.00} in late fees as well as missed payments on our credit report. I was then transferred to a supervisor and was told to dispute with credit reporting agency which i have done and was told they had no control of the credit reporting nor removing the late fees on our account. I feel they did not even try to help me resolve this issue and did their best to end our conversation without listening or trying to work with us.

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 2022-03-28
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: Information belongs to someone else

Complaint:
I discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to XXXX, Experian and XXXX. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.

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 2015-08-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called by the collection agency Capital Accounts, about a month ago regarding a " claimed '' outstanding balance of XXXX $ from services provided by XXXX XXXX XXXX XXXX dating XX/XX/2020. I asked them to provide me with an itemized invoiced, which they have failed to do up until today. At the same time, I called the billing office of XXXX XXXX ( XXXX ), where they confirmed that they do not work with this agency and that there is no outstanding bill under my name or any of my family members. Today ( XX/XX/2020 ) I received a written notice from Capital Accounts for the same reason, and I immediately called XXXX XXXX  billing department where they again confirmed of having no knowledge of this collection agency and that I have and never had any outstanding invoices. I then proceeded to call Capital accounts, I confronted them with the information from XXXX XXXX that they had no knowledge of them, that I was going to report them for fraud unless they could email me immediately the delinquent obligation, which they have not been able to do so, and thus I am reporting them..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: MO
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:
XXXX  allowed XXXX XXXX  to fraudulently open up an account without my knowledge or consent, that affected that my credit score. I had tried to ask them to take this company off my report but they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Credit Bureaus and collections company keep verifying and updating my account without sending proof of contract with signature.Im also complaining that I was not notified within five days of reporting to the credit bureaus that the collection agency was going to report to the credit bureaus.

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 2023-06-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Experian Information Solutions 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:
I have fraudulent accounts on my credit report, see attachments

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 2015-04-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have credit monitoring issue due to an issue that occurred in XX/XX/XXXX year when my credit report was accessed by another person in an attempt to open new credit. The fraud alert was renewed a second time from the original date and recently expired in early XX/XX/XXXX. Recently, I called to ask how to remove some inquiries and the Experian rep told me inquiries are statements of fact and can not be removed. As a credit tracker member, they would not transfer me to the disputes department simply for inquiries. They suggested that I review all of my inquiries and then contact your agency for assistance to remove them if they do not belong on my report. When I called, the following were the issues I intended to address : The XXXX inquiry on XX/XX/XXXX. The reps at XXXX represent it is a soft inquiry as well and claim that a hard inquiry never appears on your report. I also have written documentation from the XXXX website that confirms the inquiry should be a soft inquiry. It is noted SEVERAL times on the website and outlined in the FAQs section. I have attached for review, and I am requesting this inquiry be removed since I did not authorize a hard inquiry be performed by XXXX. 

I have XXXX other inquiries that should be removed. The XXXX from XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I do not recognize those as authorized by me, and I believe I already advised Experian about the XXXX XXXX inquiry should have been removed when they removed a few other unauthorized items ( which they did, so this XXXX must have been missed. ) The final inquiry issue is with XXXX XXXX inquiry on XX/XX/XXXX. I contacted XXXX credit on XX/XX/XXXX at XXXX and spoke with XXXX who did confirm that the inquiry is an error. He stated that no Experian credit file was received under my name on XX/XX/XXXX. It must have been a system glitch when I opened my account because he stated they pulled an XXXX file for the basis of my credit decision with them. I told him that I asked the rep in the store and she said only an XXXX file would be pulled and that is the only one I authorized. He again reiterated no Experian file was received so no inquiry should have been registered on my Experian report. He submitted an inquiry removal form to Experian and documented my account accordingly. I am requesting this inquiry be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is incorrect credit card showing up on my account with name XXXX which is opened in XXXX of 2014 and had some balance of {$330.00} was never paid off. I have never applied for this card and me or someone related to me has never received any benefits related to those credit card charges. I have requested company to proceed quickly and close this case so that my home mortguage can be approved. 

XXXX has already removed it but other XXXX companies are not removing these charges. I have also filed the police report for this fraudulent credit card with the case number XXXX. And I have already disputed this with these companies companies and their early response will be greatly appreciated. I have attached report from one of the bureau to show this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this item before when another collection bureau was trying to collect it from me, It was determined it was no longer my account since it was sold I filed a dispute with you and you removed it from all my reports, Now this information has been sold once again to Enhanced Recovery Company, on XX/XX/2020, showing up as a collection report on my credit file 's, I WILL NOT DEAL WITH THIS AFTER GOING THROUGH THE TORNADO 'S HERE IN TN AND NOW THE VIRUS. THEY ARE XXXX XXXX XXXX FISHING FOR MONEY BY SELLING THE ACCOUNT. IT IS NOW SHOWING AS A COLLECTION AS A GHOST ON ll 3 of my reports. I WANT THIS FIXED ONCE AND FOR ALL. PLEASE REMOVE IT FROM MY 3 CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Issues regarding my complaint with Experians ' reinvestigation policy. I 'm disputing XXXX inaccurate names and XXXX inaccurate address reporting on my file. See attached documents for detailed information. 
Experian was notified in writing via my disputes regarding the inaccurate personal information on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Clearly Experian has had several opportunities to remove the inaccurate information. They failed to reinvestigate and remove the disputed inaccurate items within the 30 days as required by the FCRA. 

Experian fails the FCRA on these counts when disputing personal information. 
1 ) No reinvestigation, they are only comparing disputed information to what was reported in the past. 
2 ) They are not notating the personal information as disputed by the consumer. 
3 ) The personal item disputed must be reinvestigated by the credit bureau if notified ... period. There is no negotiation or justification or reason that the credit bureau gets to use to avoid processing the dispute. The FCRA is completely clear on this point. 
The FCRA does not say to contact the furnisher it clearly states to contact the credit bureau. They state that the address I questioned is a part of my credit history, it can only be a part of my credit history if it 's accurate, verifiable and not obsolete. I 've clearly provided documentation that shows that it 's not. 
Simply stating that the information was provided by a furnisher is not a reinvestigation. Experian 's policy is that if personal information found on the header of a consumers file was reported by a furnisher that the information is forever tied to the creditor 's listing. 
Experians ' printed explanation of why they report inaccurate information is not acceptable. They state " ... which may result in variations of your names, address, social security ... '' " XXXX or more sources of information reported the address you questioned and it is a part of your credit history ''. Absolutely unacceptable disregard for maintaining an accurate credit file. I do not have these issues on my other XXXX credit bureaus, they cleaned up my inaccurate personal information without delay ; only Experian does this and when they retain this inaccurate information they pass it forward to other creditors who look at my credit file and continue to disseminate an inaccurate version of my personal information which when applying for a mortgage or a classified job I must sign acceptance that these AKA 's are mine when they are NOT!

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE FOR XXXX XXXX, FOR THE AMOUNT OF XXXX DOLLARS. I AM DEMANDING A VALIDATION LETTER, SENT TO ME INA TIMELEY MANNER, WHICH I AM ENTITALED TO BY LAW. I AM ON XXXX, THEREFORE MY INCOME IS FEDERALLY PROTECTED FROM SCAMS SUCH AS THIS.

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 2022-03-28
Company: Collection Professionals, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a letter to the debt collector, requesting validation of said debt, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. After waiting for more than 30 days without any response, I sent a second letter on XX/XX/XXXX to inform them that by not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
I was really hoping to hear back from them after that but after blatantly infringing upon my rights by refusing to respond with my second attempt to clear the matter I reached out to a credit bureau to file a dispute. 
All in all, its been well over 90 days since my initial request to validate the debt and this item has still not been removed from my credit report despite several attempts to validate the debt to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Friday ..XX/XX/XXXX I went to the TCF Bank at XXXX XXXX XXXX. XXXX   XXXX, MN XXXX. I had a rent check from tenants for {$1300.00}. The check from the tenants was a TCF check. I asked the teller to check to make sure the check was good. The teller verified that there were plenty of funds in my tenants TCF checking account. I told her I will put it into my savings account in lieu of cashing it. Will this be an immediate transfer. She affirmed it was. ... I went to the XXXX XXXX Branch of XXXX XXXX which was located on the corner of XXXX XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX. I asked if the check was cleared. The teller said yes. I removed the funds of {$1300.00} The teller gave me cash.. On Friday XXXX. I received a letter from TCF saying my account was over drawn on XX/XX/XXXX. I went back to the XXXX XXXX location, XX/XX/XXXX : The teller told me they made a mistake and should have completed transfere of the funds on Friday.. That my only option was to call customer service.. I tried that but only got excuses. Then TCF closed my account and transferred the so called debt to a debt collector. They have file on my credit report. TCF Bank has never returned my original check. So I could never go further with action with this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting inaccurate information on my credit report in regards to XXXX. XXXX has failed to provide any verifiable evidence that I owe them anything ( see your own investigation notes Case number : XXXX ). The credit bureaus legally has to investigate within reason a dispute. Claiming that the company verified the account information simply by responding with " verified '' is not enough to keep reporting inaccurate information. And although credit bureaus can report unverified, false information, they are liable for the information they CHOOSE to keep reporting.

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 2020-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased tickets on XXXX XXXX in XX/XX/XXXX for a flight in XX/XX/XXXX, for $ XXXX. 

XXXX XXXX cancelled my flight in XX/XX/XXXX. 

XXXX XXXX refused to refund my money, and instead offered me a worthless credit on their worthless airline. 

I initiated a complaint with Bank of America. Bank of America conditionally refunded my money ( see attached document highlighting their conditional credit ), but then when XXXX XXXX responded with granting me a worthless credit on their worthless airline, Bank of America decided that was good enough for them, even though it was clearly not what I purchased! If I wanted a credit on XXXX XXXX, I would have purchased a credit on XXXX XXXX. Instead, I purchased a flight on XXXX XXXX, but all I got was a worthless credit on their worthless airline. 

Bank of America refused to refund my money, stating that I could not receive a refund if the merchant had offered me a worthless credit on their worthless airline. Instead of siding with me as the customer, they sided with the merchant, who obviously had failed to deliver the purchased service. 

US Law requires that flights to or from the US must be refunded if the flight is cancelled. 

I demanded my money back from Bank of America. They refused. 

I need my money back!

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