BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: FL
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:
Today makes Day 61 under FCRA LAW EXPERIAN is required to remove accounts being Reported inaccurately immediately its been over 30 Days its been 2 and half months Experian is reporting inaccurate information on my credit Report i notified Experian over 6 months ago multiple times and Experian is still reporting the 2 inaccurate accounts on my credit report : Name : XXXX XXXX  XXXX  Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

XXXX and XXXX has both done an investigation and Deleted the two inaccurate accounts above off of my credit report but Experian is still the only Credit Bureau that is reporting the accounts inaccurate. Its is an violations under the FCRA to report inaccurate information on an person credit report and I demand that Experian Delete the Two accounts immediately off of my credit report ( Name : XXXX XXXX XXXX Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

Im fed up and Im on my last leg i will sue Experian if they dont removed the two inaccurate accounts off of my account immediately.

Thanks

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 2023-07-09
Company: Experian Information Solutions Inc.
State: VA
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 2023-05-26
Company: ONLINE Information Services, Inc.
State: NC
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: Kingston Financial, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Kingston Collections is reporting a balance of {$380.00} to credit bureaus without notifying me on this account. I have attempted to reach out to them via phone and I keep getting no answer/voicemail

Company response to consumer: Untimely response
Consumer complaint received 2022-12-22
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 2022-12-22
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Theres a Bankruptcy thats currently reporting on my credit file with XXXX, Transunion and XXXX. This Bankruptcy was completely dismissed and should not be reporting on my credit file with XXXX, Transunion and XXXX. Please remove the inaccurate Bankruptcy thats reporting on my credit file. Please and thanks

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 2022-12-22
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
For at least 2 years now, I have been unable to obtain my Credit Reports online. Each time I try, I get an error message saying : " Unable to Complete Your Request Online Unfortunately, your request can not be fulfilled online at this time. 
Please request your report using one of the other options below. '' In some cases I can reach the 5 questions about my credit history to verify my identity, but even though I know I answered the questions correctly, I still get an error message similiar to the one above. 

This is unacceptable as it forces me to waste my time applying for my reports either via phone or via USPS, while I should be able to have the convienance of using the wesite like every other consumer does. 

Please contact the relevant agencys so that I may correct this issue promptly. 

Thank you for your time and have a Happy Holiday Season!

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 2023-04-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ON XX/XX/XXXX, I PAID THE FULL BALANCE OF {$180.00} ON MY XXXX CREDIT CARD. I DID NOT HAVE A BALANCE DUE. ON XX/XX/XXXX THERE WAS A SERVICE FEE OF {$3.00} OF WHICH I WAS NOT MADE AWARE OF. I HAD A XXXX BALANCE SO I DID NOT GO BACK INTO MY XXXX ACCOUNT. I DID NOT GET AN EMAIL OR LETTER STATING THAT I HAD A PAYMENT DUE OR ANY OTHER NOTIFICATION. IN XXXX SO I DID NOT MAKE THE PAYMENT ON THE DUE DATE IN XX/XX/XXXX. I GOT CHARGED LATE FEES AND IT WAS PLACE ON MY CREDIT REPORT AS A LATE PAYMENT. I CALLED XXXX AND THEY REMOVED THE LATE FEES BUT STATED I HAD TO PAY THE SERVICE FEE OF {$3.00} WHICH I DID. THIS 30 DAY LATE PAYMENT HAS BEEN PUT ON MY CREDIT REPORT EVEN THOUGH I HAVE NOT HAD ONE LATE PAYMENT IN YEARS. THEY THEN DROPPED MY AVAILABLE BALANCE FROM {$3500.00} TO {$100.00} WHICH ALSO AFFECTS MY CREDIT. 
I AM REQUESTING THE LATE PAYMENT OF {$3.00} IS REMOVED FROM MY CREDIT REPORT AND MY CREDIT LIMIT BE RAISED BACK TO {$3500.00}. THIS HAS AFFECTED MY OVERALL CREDIT REPORT SCORE. I HAVE WORKED REALLY HARD TO PAY MY BILLS ON TIME AND I NOW HAVE A MARK ON IT FOR {$3.00} WHICH IF FIND RIDICULIOUS! WHAT AM I PAYING A SERVICE FEE FOR. I HAD A XXXX BALANCE!!

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 2022-12-22
Company: Experian Information Solutions Inc.
State: OH
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:
Have sent a list of deputies to Experian, over XXXX past and present dating from XXXX I did not authorize them and they failed to provide accurate information, and a removal of XXXX XXXX XXXX  status is not accurate. 

No action was taken by company and has impacted my financial stable ability to get a home for my family. I am seeking compensation.

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 2023-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  ACCOUNT WAS OPENED DUE TO FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 
ACCOUNT BALANCE OF {$2600.00} IN INACCURATE AND I REQUEST THE WET SIGNATURE TO SEE HOW THIS FRAUD ACCOUNT WAS ABLE TO OPEN WITHOUT MY KNOWLEDGE. 
DELETE THIS FRAUDACCOUNT.

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 2023-02-19
Company: AUTOMOTIVE CREDIT CORPORATION
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:
reporting false information too my credit report of missed payment and account is not my account. want it removed it harming my credit score. And i gave no permission too report this false account too my consummer 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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Report Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s-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 this 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 non-monetary relief
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 no knowledge of this account, XXXX XXXX XXXX ACCOUNT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

According to 15 US Code 681s-2, 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 non-monetary relief
Consumer complaint received 2023-04-20
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Auto was totaled in XX/XX/XXXX car was financed with BBT/Truist Bank and the GAP insurance was purchased through XXXX XXXX XXXX their was continued miscommunications between both companies which delayed the gap payoff covering the final balance of the auto loan this was paid off in early XXXX and is reporting XXXX can we please get this removed asap. Im trying to purchase a home and I am not one that does not pay my bills.

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 2023-05-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind and tried to arrange payment with Carrington mortgage in XXXX. It was agreed I will catch up on XX/XX/XXXX. ( Last payment made was for XXXX ). When I attempted to make a payment Carrinton refused to take my payment saying they already started foreclosure procedures on XX/XX/XXXX ( when I was only 93 days delinquent ) dispute my explaining the situation and attempting to resolve the issue. They said they would get a reinstatement amount for me but continue to delay it, making me fall past the 120 day mark in which feels intentional. I get no response on a way to take care of this from them and I just want to catch up and get back to normal. They have added additional fees in addition to late fees on the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
CapitalOne is allowing an unauthorized/unrecognized charge on my credit card ending in XXXX charged on XX/XX/23 for {$15.00} without explanation or ability to remove charge. Both Capital One and transaction merchant XXXX deny existence of charge and offer only solution of closing account and issuing new card with a multiple day account restriction, inaccessible funds. Asked Capital One to remove the false pending charge but they refuse to do so. Unable to dispute or remove the false unauthorized charge. Obligated to tolerate false holds and unauthorized charges on my account for multiple business days with no possibility of dispute or remedy. This is a recurring issue with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
I have prepaid my loan account completely but the credit report is still showing that I have pending loan amount for that account which is inaccurate and affected my ability to access a new loan from the market. The amount shown as debt is also inaccurate and the number of accounts open are also inaccurate. I was denied a personal loan despite having a credit score of 710+ and 0 late payment. My income is also way more than the debt on record. Kindly help. 


American Express : Original Loan : {$4000.00} prepaid in full ( See the attachment ) Total number of Account open : 5 Shown on credit report : 16 Total debt shown by XXXX : {$7700.00} this includes prepaid amex personal loan of {$1000.00} Actual credit card balances : {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Bank of America put a hold on my direct deposit paychecks today and took the entire amount over {$1300.00}. They said that it has to do with my daughters account, which she closed in XX/XX/2022, having insufficient funds. When they closed her account and sent her her funds, they sent her more than she had on deposit. She contacted them and made an agreement to pay the money back $ XXXX. Last month Bank of America withdrew from my account {$76.00} and {$30.00}. They said this was the monthly charge to payback the insufficient funds. I didnt not give them permission to withdraw any money from my account that would go toward any insufficient funds. My account doesnt have insufficient funds issues. I called them last month to resolve the issue. But they passed me from one department to another. I called them today and they passed me around to several departments. One of their representatives said that the hold would be removed by XXXX XXXX. I have her name and the location that she works at. I went to the local branch and they said that we will have to wait till Saturday morning to see if the hold would be removed. And that somebody from the bank will call me before the end of business day to update me about the status of the hold. They didnt call. I called them before closing. They said the money had been withdrawn and applied towards my daughters closed account that has insufficient funds. They lied to me on the phone and lied to my face, just to get me off the phone and so I would leave the branch.

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 2023-07-09
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:
This account has already been sent a personal letter to the bank in charge, in the same way that we send a notification to the CFPB notifying the errors and data that report in my credit report negatively affecting my credit report. 

You were notified in the past of the errors and giving the explanation with evidence that this account was not authorized at any time by my person, all the information they requested was issued including written conversations by agents who work for that company and still continues to affect in a negative way without receiving any type of response from this entity.

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 2023-02-10
Company: EQUIFAX, INC.
State: MS
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 first noticed a company XXXX show up on my credit report on XX/XX/XXXX. I have never heard of XXXX. I filed a dispute with the credit bureau, Equifax, XXXX, and XXXX after I had attempted to settle with the company. I have NEVER filled out an application or signed a contract with this company. I was under the impression that the dispute had been settled and removed from my credit report. I found out yesterday on XX/XX/XXXX that there was a debt of {$63000.00} showing on my credit report and drastically dropping my score making me unable to purchase a home. I had disputed XXXX on XX/XX/XXXX and thought that this information that had been corrected/removed from my credit report and has now, in fact, been reinserted. I am not sure if this was identity theft? With further investigation, I found out that this company no longer exists and that was closed on XXXX of XXXX ..... I have once again attempted to have this settled with the credit union. If you can offer any assistance in the resolution of this matter I would greatly appreciate it.

Company response to consumer: Closed with explanation