BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/XXXX of 2023 i XXXX XXXX sent notice of correction to Experian Credit reporting agency to correct the information regarding child support account placed on my Credit report, Experian emailed me within 1 week stating that they have verified but there own policy states it takes up to 30 days to verify, they have not provided any proof of validation, or, who the company was that placed it on my consumer report. 




also they completely ignored the rulings of case law and the rulings of the higher court which stated very clearly that child support is not to be on a consumers report All documentation of evidence is attached. 

This is the 5th attempt over several years that iv'e endured this abuse from experian no matter what you send them proving any debt let alone this child support debt isn't valid they refuse to remove and ignore any and all laws

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 2023-05-29
Company: Netspend Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I closed a XXXX  account and no further card was issued last year XXXX. The transferred two additional direct deposits from the checking account that were not authorized because I closed the account after one month of service for lost card to it and I was traveling. The address was a government agency assistant to my travel. The original address was XXXX office under XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX CA. XXXX. It's was collect two direct deposits for XXXX aprx. To NetSpend, all company. Ace is by XXXX XXXX XXXX NetSpend is a authorized sale 's organization for XXXX XXXX/ XXXX I have a new Ace account with current address in Texas and cellphone number. NetSpend is not allowed me to get the closed account payment for the closed XXXX/NetSpend account because they are requesting my address information from 25 years ago or more to various Cross Streets answers in area 's no map has in under 5 minutes with 5 or more questions. they will not transfer to my new card in XXXX XXXX. XXXX Please assist me with a remedy. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX. Please mail the REFUND for the XXXX  account to me and close XXXX  account. I have New account for Ace to remain open. My issue is there security mapping questions of user, too old for me to remember and maps are not able to show online. Thank you. I have several numbers now. This cell phone is good for me to contact for questions

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 2023-05-29
Company: Experian Information Solutions Inc.
State: NC
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Fair Collections and Outsourcing on XX/XX/23. Not much information was provided in the letter other than it was a debt owed to another company. I mailed them a letter via Overnight mail on XX/XX/23. In this letter I requested information to verify the debt and to provide a copy of the last billing statement that shows how the debt amount was calculated. I have never received a response from Fair Collections and Outsourcing and now they have placed a collections on my credit report even though this debt is currently in dispute. I simply want proof as to who this company is, why I owe this debt and how they came up with the amount owed and so far I have never received this information.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: CT
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 is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My concern is that An account from the company " XXXX XXXX '' with A late payment status on XX/XX/2022 was previously removed from all 3 credit reporting agencies the next month XX/XX/2022. But as of XX/XX/2022 the Late Payment reappeared on all 3 credit reporting agencies without my consent, without notifying me first, and without explaining why this previously deleted item is reappearing on my credit reports. And they want to keep claiming it's been verified but not tell me how. Futhermore my concern is COMPLIANCE. They have violated COMPLIANCE.

The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm supposed to be contacted within 5 days before, I repeat before this is placed on my reports, to offer an explanation. In this case I was never called, emailed or received A letter. 

The Deletion changes are all documented within the cfpb database ; CFPB XXXX XXXX Responded XXXX ; " The disputed item is appearing just as you stated it should, on your current XXXX credit report. The account is being reported as never late. A credit report is being mailed to your attention for review and confirmation. '' Unquote. 

CFPB XXXX XXXX Responded XXXX On the credit report it shows, " No Delinquency, No, Never Late and Paid as agreed. ''

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 2023-05-29
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act Account # : XXXX, Account name : XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: GA
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:
According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX, XXXX, L ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24
Company: FinCo Services Inc DBA Current
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2022 a deposit was made of XXXX dollars into my current online banking account a deposit of which I did not send. On XXXX XXXX my current online bank took XXXX dollars out of my account saying the deposit did not clear after a month. I have reached out to both companies and neither company will offer any help to resolve this issue my account is now in the negatives by a good margin

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: CT
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 never opened up any accounts other than XXXX XXXX XXXX. I have been XXXX  for many years and was unable to open ANY account while I was in XXXX. XXXX XXXX is the only bank I have given permission to my personal information. 
I have NEVER opened or requested an account from XXXX or any other bank to give me a line of credit or insurance. 

Items on my current up-to-date credit report are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 's XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 

I want all these accounts validated and removed under 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER

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: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, multiple complaints were submitted to the CFPB notifying them that Clarity Services is willfully refusing to comply with Title 15 U.S.C. Section 1681g ( a ) in that Clarity refuses to disclose the source of information found upon my consumer report. Clarity has removed the information from my consumer report since the XX/XX/XXXX complaint ; however, has not identified the source ( XXXX ) of the information identified by this consumer. After that XX/XX/XXXX complaint, a person identifying himself as a compliance XXXX with Clarity instructed this consumer to submit a written request, with authenticating documentation, to the XXXX XXXX XXXX for Clarity. This consumer did so, on multiple occasions. Clarity maintains its refusal to comply with the FCRA by refusing to disclose this information. This consumer has identified the following information and requested identification of the source ( XXXX ) of this information : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX and the phone number XXXX. This consumer has incurred direct out-of-pocket losses exceeding {$500.00}, direct loss of wages exceeding {$500.00}, and loss of wage-earning opportunities exceeding {$500.00}. Further, every response by Clarity does not address the subject of these complaints.

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 2023-03-20
Company: Exeter Finance Corp.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My brother stole my identity to co sign a car for my step daughter. Without my knowledge. 
My brother is a thief and career criminal, please help This complaint is tied in with Exeter finance LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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 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 2023-03-10
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am still in school earning my XXXX and Sallie Mae has told me they are deferring my loans until I finish my XXXX. However, they are still requiring that I pay the interest on the loans each month, even though I am not paying down the principal. By doing this, Sallie Mae is making more money off the loans because the interest payments will never go down until I pay the balance, but they do not ( and I can not ) require principal payments. 

Essentially, they are taking advantage of the lenders by pretending to offer a " deferment '' when in reality, they know they are just getting more time to collect the highest amount of interest from their borrowers. 

I pay over {$500.00} a month in these interest payments per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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