BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: CA
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 that some of the information was erroneous. The 3 credit bureaus must validate this account for its misleading report, It is not authorized to fail to validate this reporting account as unverified information without providing any proof. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$1600.00} This complaint is a follow-up in line with my previous complaint dated XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2023-06-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It has come to my attention that EXPERIAN, credit bureau has violated my rights in accordance with the Fair Credit Reporting Act by reporting an account with XXXX XXXX XXXX XXXX. 

I have no knowledge of the above referenced account, and I did not have any accounts established with the original creditor, XXXX XXXX EMERGENCY. 

I have made attempts to have the account removed with validation of debt letters to Experian, credit bureau, but have not received any responses. 

According to 15 U.S.C 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681e ( b ) also states that when a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX bank Account # XXXX, 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 a 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 2023-06-19
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: 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. Please take an action with this innacurrate accounts.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello, I XXXX XXXX am writing this letter because I am the victim of identity theft with respect to the specific debt related to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. On upon checking my credit report because I am looking to get an apartment. I realize that I had an account from your company that I never opened or came down or online to sign any paperwork for that account that was opened XX/XX/XXXX. After contacting your company on XX/XX/XXXX I was informed that payments were being made to the account through my mother who stole my identity, who is XXXX XXXX she is now deceased still payments were being made up until the time she passed away from her and its been a year since shes passed she passed away XX/XX/XXXX, which is why the account is now in a negative balance because like I said, I never knew anything about the account to make payments to the account. And I have filed my FTC identity theft report account number:XXXX  attached is a copy of that. and a copy of my identification, when my ID got stolen I to change the address to my mothers address who is XXXX XXXX because at my apartment complex our mailboxes were getting broken into so I had to use her address. And attached is a copy of a bill showing my current address. This has been putting a big financial impact on my credit for the last year on top of having my mother passing away from XXXX. This is not the only thing that she has put on my credit that Im trying to get removed as well. I really hope you guys consider taking this off of my credit because like I said is really hindering me and I had no knowledge of this account at all. Thank you And the company XXXX XXXX XXXX is not complying with taking it off of my credit because like I told them, this is fraud, and I did not open this account. And they block the account and then they open the back up on 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 2017-04-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contact all  XXXX  credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.

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 2023-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX I paid off and closed my credit card account with Bank of America in order to avoid the annual fee. A week later, when I went in to get historical information, I discovered my online banking account had been completely XXXX because I no longer had any active accounts. In order to get it reinstated I opened a checking account through my husband, only to discover once I logged in that my closed credit card, and all of my transaction history and statements no longer existed. I contacted Bank of America on XX/XX/XXXX in order to ask for them to send me electronic copies of my transaction history or statements, and they told me this was no longer possible ( despite being required by law to keep this information for years after the account is closed ), and that they would only provide it on paper via mail or in a branch ( the closest of which is 2 hours from me ). Given that they are required to still have this information stored in their electronic database, completely hiding the account immediately from me and refusing to provide the information they are legally required to provide in any format other than paper feels deliberately difficult and as though they are punishing me for closing an account with them.

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 2023-06-19
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX XXXX XXXX XXXX XXXX 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 a 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 2023-02-11
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CBC Companies, Inc.
State: FL
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:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ON XX/XX/2022 a document to correct a reporting issue of inaccurate and unwarranted inquiries ( Counted 31 total ) and reports were discovered on my report. To my knowledge, I have not granted any company permission, either at all or 90 days upon filing an SSA-89 form from the IRS to be reported on my personal consumer 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 non-monetary relief
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have checked my credit report and saw these inquiries that I did not authorize and wanted these items to be removed from my report. Below are the inquiries XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX , Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXXXXXX XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized )

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 2023-06-05
Company: Experian Information Solutions Inc.
State: SC
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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with | Maximum Accuracy. There are also inaccurate amounts being reported from different credit bureaus and payment dates have been inaccurate. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Also accounts with I correct account amounts and payment dates I feel should be deleted as this is a violation. Also the address is incorrect and I want deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX needs to be deleted. My address is XXXX XXXX XXXX XXXX XXXX SC XXXX. 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 2023-01-03
Company: Experian Information Solutions 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'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 2023-06-05
Company: Experian Information Solutions Inc.
State: SC
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 this off my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XX/XX/2022 XXXX XXXX, a solar company came to sell me solar. I accept it. They finance me through a finance company ( Enerbank ), the solar company never made contact with me again.In XXXX a second solar company came by to sell me solar I explained I was waiting for the first company but they hadnt showed up. They said they probably wont so I bought solar from them and got financed through a different finance company ( XXXX ). After trying to get a loan I saw on my credit report the first finance company charging me XXXX. I make contact with them and they told me they paid off the solar company so I owe them the money I was wondering if I can get help with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my credit report i see that your company put this collection on my account after i asked for the debt to go back to the original creditor and after your company said that you guys was no longer handling this account. Now i am asking for compensation from your company do to your mistake. I am asking for your company to permanently removed this collection from my credit report. the original creditor agreed with me that this was a fraudulent account in my name do to identity theft. I was hoping that your company would keep your word by not putting it on my credit and yet your company did exactly that. I was also told by a representee of your company saying that you guys did not respond to my complaint and that the debt was gone be place on my credit report. I don't want this on my credit report i want the whole account removed from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation