BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: AZ
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:
I pulled my credit report and found I have several not even several lots of inquiries on my account that I never authorized. I have XXXX XXXX on XX/XX/XXXX several XXXX  for XXXX. Theres XXXX XXXX on XX/XX/XXXX there not authorized XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX XXXX  three of those on XX/XX/XXXX XXXX  XX/XX/XXXX some that are XXXX XX/XX/XXXX XXXX  I got preapproved to buy a car from XXXX  XXXX. I went to the dealership and with my preapproved letter and now Im seeing several Auto inquiries on my account, which I never authorized, and I mean there are, not just a couple I mean lots of inquiries from auto dealerships and after pulling my credit I had bought a car a year over year previously and I also had a preapproved letter from XXXX  XXXX and I see that they did the same thing at that time I have probably like XXXX inquiries on my account Where they know where I was trying to do a credit card and I did authorize you know for them to pull my credit and one time is what I was you know authorizing and I see where they pulled it like three times when I authorized XXXX time and I have like hundreds of these on my credit report And Im being denied credit because of all of these. I did have incorrect addresses on my report that I have been trying to get corrected. I contacted several of the companies and they said if they are in there then I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NJ
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: KY
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-02-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act XXXX Account, XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$140.00} has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
Capital one is reporting an account that is not mine with a balance of {$590.00}. They will not stop calling and sending email about this account that is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-12-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I was approved for a XXXX loan however underwriting is having me write and submit letters for approval. I submitted the letters and they keep asking for the same information. I have also shown through my bank statement that I was not late on a home payment. 

The only explanation is that during the transfer of the loan they reported it late. However, the payment was taken out on the XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am writing to dispute the validity of the debt reporting on my credit report. After careful review, it has come to my attention that the statute of limitations for these debts has expired. 

As of my last knowledge, the statute of limitations for the type of debt in question is up to 7 years only, and the last activity on this account occurred on XXXX. Based on this information, it is my understanding that the legal timeframe for pursuing this debt has lapsed. 

I am attaching the following photos for your reference : 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-02-14
Company: LEXISNEXIS
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See attached. I am a victim of identity theft and wrong items on my credit report need to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Incomm Holdings Inc.
State: AR
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a Vanilla Gift Card/Incomm Card on XXXX in the amount of {$250.00}. Immediately following purchase while in the parking lot of merchant I called Vanilla Card to activate card. They told me that there is an issue with the card and they could not activate it. I was told I would need to open a Case and would need to email all documents needed ( proof of purchase, valid DL, current proof of residence ). I submitted all requested documentation and was told I would receive an email or phone call once they reviewed information. Since the day of purchase XXXX I have called customer service approximately 40 times and emailed on multiple attempts to request an update of what the issue is and requested a refund because I can not afford to wait on my money while they figure out the issue. Vanilla Card and Incomm Card have neither replied or called not one time to update me as they said. Both companies keep telling me I will need to wait another week for an update. The next week I call after I get no reply and they tell me the same thing. I have requested to speak with the department in charge of handling issues as such ( investigation department ) or an email to reach them but am told they do not have that information and would just need to wait another week. I work hard for my money as a single parent and dont have much of it and just want a replacement card or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Account status incorrect

Complaint:
XXXX, XXXX, and Experian are showing two accts of mine being delinquent. Both Accts are paid in full and aren't late, they were never late. This has gone on for far too long. I have reach out to the bureaus numerous of time with letters and phone calls. And I never gave them written consent to report my credit. This is hurting my credit.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-XXXX XXXX {$2600.00} ( date open XX/XX/2023 ) -XXXX XXXX XXXX {$1400.00} ( date open XX/XX/2023 )

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 2023-05-08
Company: EQUIFAX, INC.
State: TX
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:
I am writing to follow up on a letter I sent to you on XX/XX/2023 requesting verification of a late payment that is currently being reported on my credit report. The account in question is XXXX XXXX ( account number XXXX ) and XXXX XXXX XXXX SERVICES ( account number XXXX XXXX ) Despite my request for verification of this information, I have yet to receive any documentation supporting the accuracy and completeness of the reported late payment on these accounts. 

As you are aware, under the Fair Credit Reporting Act, I am entitled to receive a response from Equifax within 30 days of receipt of my letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. It has now been more than 30 days since I sent my request, and I have not received any of the requested documentation from you. 

I would like to remind you that credit bureaus are required by law to maintain accurate information and to respond to consumer requests for information verification in a timely manner. Given that I have not received a response from you within the time frame required by law, I am requesting that you remove the reported late payment from my credit report on both accounts. Please also provide me with a revised copy of my credit report reflecting the updated information. 

I appreciate your attention to this matter and I look forward to receiving your prompt response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was trying to buy a house and that's when it was brought to my attention that this damage was on my report. According to 15 USC 1692GB, the agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior. I was not notified. As the original creditor, only I can validate this debt. I did not validate this debt. Therefore, the following accounts must be deleted from my credit report immediately. 
Account : XXXX XXXX XXXX  Account # XXXX Amount : {$2500.00} I have no knowledge of this Account Account : XXXX XXXX XXXX Account # XXXX Amount : {$2200.00} I have no knowledge of this Account Account : XXXX XXXX XXXX Account # XXXX Amount : {$500.00} I have no knowledge of this Account Account : XXXX XXXX XXXX Account # XXXX Amount : {$13000.00} I would also like to highlight that under Section 623 ( a ) ( 2 ) of the FCRA, the entity providing this information to you has an obligation to correct, VALIDATE, VERIFY, and update relevant information to ensure its accuracy. If they have failed to do so, they maybe in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they can't be validated and verified.

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: MUTUAL OF OMAHA MORTGAGE, LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I contacted the company to refinance my current home and discovered that I do not have all the paperwork that I need,. I alerted the company to this fact and told them that I would be contacting them next week when I was ready to continue the process. Since then, I have been called by the agent several times per day starting at XXXX XXXX telling me that I have been wasting their time. This is now harrassment and I no longer wish to continue with this fraudulent company and they need to cease and desist this harrassment and intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
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:
Under the reference ( 15 USC 1681c2 ) they did not provide documents ive requested with multiple attempts to resolve the issue for the following account listed below. 


XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions 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: 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.

The letters are stated with items and issues.

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 ante
dates 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 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 2020-07-28
Company: Experian Information Solutions Inc.
State: OK
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:
There is a false judgment for money on my credit. I have disputed to Experian, The XXXX XXXX   XXXX  and XXXX XXXX XXXX, which is the XXXX XXXX XXXX of XXXX XXXX. XXXX XXXX placed a judgment on my credit claiming I owe {$2600.00} and gave a case number from the court docket that had no award for money.. I was never served or notified of this being filed even tho XXXX XXXX had my forwarding address. In court, the judge rules that XXXX XXXX can take posession of the property only and that NO MONEY is awarded. Regardless, they placed a money claim on my credit report. I have contacted Experian and disputed this several times and each time they say the claim is accurate after speaking with XXXX XXXX and their XXXX XXXX. I have sent in court documents that show they were only awarded possession of the property. Regardless, they refuse to remove the {$2600.00} claim from XXXX XXXX. Also, this is on my credit report twice. Once by XXXX XXXX as well as once by XXXX XXXX XXXX even tho it is 1 case. So when my credit is run, it appears that I have been evicted twice. This has cost me money and problems when I have tried to rent a property. Once in 2018 and once this year. Now Experian is telling me I can not dispute this anymore and will not take a dispute claim from me. I am never told what exactly is investigated or what documents they look at or how they decided in the other parties favor. I'm just told its accurate. How is it accurate when the court papers say NO MONEY AWARDED?

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