BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected this account XXXX XXXX XXXX XXXX Balance : {$1100.00}.

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 2023-07-20
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2022-09-26
Company: Allgate Financial, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
JH CX Liquidating Trust, represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO has sued me for credit card debt that is more than XXXX years old. The debt was incurred prior to XXXX, XXXX, and we have 2 scheduled court dates for XXXX and XX/XX/XXXX. 

I have had no contact with any person or company in regard to this debt since early XXXX have never been contacted by JH CX Liquidating Trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: AmeriCollect
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:
In accordance with the fair credit reporting act XXXX account # 12345 has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX  XX/XX/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 2023-11-03
Company: Incomm Holdings Inc.
State: CA
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:
Bought two visa XXXX XXXX  gift cards and the magnetic stripe did not work on either one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Authorized User Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon.

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 2022-09-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A fake check with unauthorized signature was paid by truist bank on XX/XX/2022 for the amount of {$8700.00} to an unknown party from my business account. Also the fake check is missing a digit of the account number in the bottom of the check. A claim has been issued with truist bank and was denied saying that had to be within 60 days from the transaction. This check has a totally different signature from the authorized one. We need to get the bank to refund money and need help on this matter. Truist bank is responsible to pay out check only with signature of owner of the account and legal paper. This was a fake check.

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 monetary relief
Consumer complaint received 2023-09-01
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The monthly installment fluctuates between XXXX to XXXX. It never seems to go down. I've been paying those amounts for the last 11 months. On a vehicle, that's only worth $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX erroneously and illegally reported a duplicate automobile account on Equifax with a Last Activity Date of XX/XX/. 

XXXX XXXX is not reporting on XXXX or XXXX is not updating XXXX XXXX 's reporting because it is not on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: VA
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is showing that I owe {$480000.00} dollars in student loans. I do not ; I owe {$240000.00}. My loans were sold from XXXX XXXX to XXXX. I have disputed this issue three times. They will only update the dates, and keep the loan servicer the same. They are preventing me from getting a home loan. 
My next step is to sue them if they will not do their job. They updated the date they still need to remove the loans as transferred to XXXX. I have attached a copy of the receipt that shows I do not own XXXX. They must be held accountable for preventing my XXXX from living in a home. I can't believe they would deliberately not do their jobs and are purposely keeping us out of a home. I can't believe it, I am doing everything to ensure that my credit is correct, and some person is keeping us from home ownership. 

I am starting to feel like they are discriminating against me on purpose. Why wouldn't they aim to publish accurate information? SMH Please fine 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 explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've requested 3 times for Experian to remove an inaccurate address from the person info section of my credit report. They refuse to remove it and have nor provided any documentation or proof as to why it remains. Per FCRA law, info on my credit report must be accurate or deleted. This is frustrating that I continue to have an address that is not mine on my credit report and I have recently been a victim of fraud, possibly due to this incorrect address on my report. 

Address in question : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-10-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XXXX XXXX I submitted a dispute ( XXXX ) with Experian credit bureau XXXX I stated the XXXX account that is on my report is beyond the 7 year-period. Legally an item on a record will stay on a report for up to 7 years after the first late payment report. After that is has to be removed according to the Fair Credit Reporting Act. When a collection company buys the account, the time frame does not start back up. My last payment on that account was XXXX XX/XX/XXXX. It has been beyond the 7 year-period. Experian did not remove the account from their bureau.

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 2023-11-06
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: Information belongs to someone else

Complaint:
I was reviewing my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below.

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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Money was fraudulently withdrawn from my son and my account true some app. We call the fraud department and they took all information and reimbursed the money originally. They make us close the account and reopen new one. XXXX months later they send me paperwork and withdraw the money from my personal account. They said that they investigated and they decided that money was owed to this people. My son doesnt use that app at all and doesnt know any of this people. We have been working with Bank of America for XXXX  years. Have many accounts there even business. And also his girlfriend had money withdrawn from her business account XXXX. Thank you

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 monetary relief
Consumer complaint received 2017-08-12
Company: EQUIFAX, INC.
State: MI
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 've disputed a XXXX debt with XXXX, Equifax, and XXXX more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my Equifax credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. 

Recently, I observed that there have been late payments reported on my credit card account for the billing cycles ending in XXXX to XX/XX/2022. After reviewing my records and statements, I believe there might be an error or misunderstanding regarding these late payments. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 

XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be a mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. 

I value my relationship with XXXX XXXX, and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon examining my credit report, I discovered multiple instances of erroneous information, which include : Addresses that I have never resided at. 
Accounts that I have never initiated or maintained. 
Employment records indicating places I have never worked. 
An incorrect Social Security number associated with my profile. 
I immediately took the initiative to address these discrepancies and promptly contacted Equifax, one of the major credit reporting agencies, in an attempt to rectify the situation. Regrettably, despite my efforts, the inaccuracies in my credit report remain unresolved. 

As you can appreciate, these inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely impact my financial standing and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Was not notified of investigation status or results

Complaint:
I have sent letters to Experian on multiple dates asking for them to verify accounts on my credit. I specifically ask them to send me the proof of the information being verified, such as the company contact they verified the information with but they have not sent me this information. They only pretend to investigate and say updated. By law they have to provide me with any information on how they verified an account and they also have to provide this within a certain time frame and they have done neither. I have attempted to resolve this matter with them via mail but they do not respond. By law, if they can not furnish the proof of verification these account must be deleted from my reports which Is what should be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Hello- I have had a perfect credit record my whole life and have never missed a payment. Capital One turned off my credit card 's auto pay without notifying me earlier this year and has caused my credit score to drop over 100 points. It appears they posted 3 derogatory marks on my credit profile and only removed 1 of them from my previous complaint. My Capital One credit card balance was only {$50.00} during all of this headache, which I paid off immediately as soon as I found out my auto-pay had been disabled. I even paid the late fees. I constantly pay off my cards in full every month ( {$1500.00} - {$3000.00} a month ), which you can see from my credit profile. It makes no logical sense that I would miss a {$50.00} payment and destroy my credit score. Can you please remove all of the derogatory Capital One marks from my credit report?

Company response to consumer: Closed with explanation