BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions 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:
There is information disallowed by federal law that is on my credit report. This is suppose to be excluded. I never gave my consent in any form for this excluded information to be on my credit report. I am being taken advantage and harmed by Experian 's disregard of the law.

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 2022-07-28
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:
I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX  XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Follow up my email/letter dated XX/XX/2022, regarding to request to amend the unreasonable payoff charges. I havent received any response from Shellpoint. 

Due to the time essential, and my leader are still waiting for your amendment payoff letter to settle the final payment. I have paid off the {$3000.00} for the P/I payment on XX/XX/2022 first to avoid further interest. 

At your convenience, please contact me at XXXX XXXX XXXX my email : XXXX for the mortgage settlement as soon as possible. 

Please acknowledge receipt of this letter/email and the payment of {$3000.00} Your prompt response will be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: GA
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 Act XXXX XXXX XXXX ( Account # XXXX ), has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MN
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:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights 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.

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 2023-10-17
Company: SYNCHRONY FINANCIAL
State: WI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Amazon promo for XXXX dollars off cart. prime days. Secure card application in offer. No secure card option in process. Negative score impact in denial on regular cards. Which I didn't expect approval on No discount. No option for secure as promised. 
Bait and switch with consequences to my credit history and score. No discount.

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 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
my checking account with bank of america was flagged as fraudulent after depositing a check from the XXXX XXXX i filed a dispute and the matter was resolved. however after a year the same report stating suspected fraudulent activity appeared on my consumer report once more. i contacted bank of america all they did was tell me to file another dispute. even though i asked why they put this on my account they wouldnt give me an answer.

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 2022-07-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is the second complaint I have filed in the last 2 weeks. They still have not solved the issue. XXXX XXXX XXXX XXXX is attempting to pull my equifax report and they kick it back and will not release the report. I have called Equifax 9 times, each time they assure me they are going to fix the issue. I have asked to speak to a supervisor many times and they simply disconnect my call. I tried again this Morning, XXXX XXXX XXXX XXXX attempted to pull credit and it returned an error saying Equifax will STILL not release my credit report. The last complaint I filed with the CFPB did NOT resolve the Issue. XXXX and XXXX release the report without Issue but Equifax Still does not Release the report. This is causing me extreme emotional stress and financial Harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
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:
on XX/XX/2023 I send a letter, certified mail to Experian XXXX letter is enclosed. However they refused to act on my request saying they dont believe the letter came from me... which doest make since because i included valid drivers license and proof of address.The use of stall tactics should not be used when handling a consumer dispute. 
I am XXXX XXXX XXXX and I am filing this compliant please address my metro 2 compliance dispute enclosed in this compliant now that you know its me the consumer whos rights you continuously violate.

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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX XXXX, recently pulled my credit report and have found these debts to be inaccurate, fair and substantiated. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. These negative listings on my credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 



1. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

2. Agreement with your client that authorizes you to collection this alleged debt.

3. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

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 2022-06-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon reviewing my credit report, I noticed multiple bankruptcies on my report. Ive disputed these alleged bankruptcies multiple times and I am getting the same response from the bureaus. I asked each one to send tangible verification and neither provided it. Each bureau also obtain my information in a unverified manner. Again these bankruptcies are not mine and I ask for them to be removed ASAP!

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This is to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
Please note that pursuant to the FCRA611, I am requesting a reinvestigation of the accounts listed below. Did you even investigate? There is no way you did because the information reporting is inaccurate. I have thoroughly reviewed and there's no way you did, otherwise you would have DELETED the false information below like the law states you must do. 
Please investigate the following accounts listed below as it is inaccurate and damaging my credit. 

XXXXXXXX XXXX XXXX XXXXXXXX {$6200.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX {$1700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$1400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX {$550.00} US DEPT ED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: ALLY FINANCIAL 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:
Someone ran my credit for a auto loan with all of these companies and messed up my credit with hard inquiries This was not consented by me and i have no open accounts with none of these financial companies .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

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 2023-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i reachout numerous times to experian XXXX XXXX about fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX THE FCRA SEEKS ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 1681 { A } 15 USC 1681 I [ A ] 1 ] [ a ] the cra tha negligently fails to comply with the fcra i would like these items removed due

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 2022-06-29
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since the month of XXXX I have been trying to dispute an amount on my credit report that was put there by Midland Funding, LLC. Since about 2017 the debt has been there for the amount {$490.00}. As of late a couple of times a month they will add {$1.00} which effect my credit and make my credit score go down XXXX pts then before then of that same month they will remove the {$1.00} they added and this tactic is all to keep my credit in shambles. I sent a debt validation letter and the letter showing {$490.00} but, then I got an email from XXXX in XXXX that the Collection went up to {$490.00}. According to Michigan law a debt collector does not have the right to add any fees or interest to any debt. I still protest that this debt is not mine and I want it removed from my credit report because, it is harmful to my life 's progress. Midland Funding LLC did not prove that they owned the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Public record information inaccurate

Complaint:
XX/XX/2022, re : Experian unverifiable bankruptcy reported on my credit report. Bankruptcy XXXX XXXX XXXX. XXXX. First of all, there is no company I am referring to the XXXXXXXX XXXX XXXXXXXX, XXXX XXXX of Florida, XXXX XXXX, XXXX, Florida XXXX. On XX/XX/2022. I sent a letter to Experian Credit Bureau, XXXX XXXX  XXXX, XXXX, TX XXXX in the above referenced bankruptcy. As of XX/XX/2022, no one has responded to me yet. Experian never removed the bankruptcy nor has my score been changed. According to my research I am entitled to XXXX points once my score is updated. I have attached a copy of the page in the Experian credit report they have no intention of correcting my report or my score. The FCRA mandates that Experian correct the unverifiable information within 30 days, or it must be removed. It has been 76 days and there has been no change. I am attaching a copy of the letter that I sent to Experian on XX/XX/2022. This letter was sent certified mail return receipt requested. XXXX XXXX XXXX XXXX XXXX received on XX/XX/2022 XXXX received by 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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive noticed unauthorized inquiries on my Transunion report and provided this information over to the reps, and managers at Transunion over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted 1. It is a reason of identity theft. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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