BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
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: Account status incorrect

Complaint:
When i reviewed my credit report, i noticed that some of the information is erroneous and inaccurate. 
The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agency must validate these items in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Failing to properly verify these items asked in the dispute without providing proof within the period allowed by law is in violation of my rights under FCRA! 
I sent Experian a letter asking for verification of accounts XX/XX/XXXX in which Experian replied with the accounts have been verified as accurate and closed the dispute. As a follow up i sent a letter in response to them, asking how they verified these accounts on XX/XX/XXXX. I received response via Experian website where i have an account to track my report and they verified these same accounts as accurate. These accounts on my credit report are statused INCLUDED IN BANKRUPTCY. I have pointed out to Experian that there is no Bankruptcy reported on my credit report in the letter i sent XX/XX/XXXX but i still received a verified response with no proof of verification. Section 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information, other than records by more than seven years. 
Experian has violated my rights under FAIR CREDIT REPORTING ACT on numerous occasions and the erroneous information has been injurious to my credit, by listing accounts that i have mentioned above and i demand these items are removed from my credit report immedietly! I am a ligatious consumer and fully intend to pursue ligation in this matter to enforce my rights under FCRA. 
Please see the attached correspondence that i sent to EXPERIAN as well as the CREDIT REPORT from XX/XX/XXXX ( the date of this complaint ) showing the highlighted accounts i included as well as the public records where there is no bankruptcy!

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 2022-10-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  Account Number : [ XXXX Reason : [ NEED IT REMOVED HAVE NO CLUE OF THIS ITEM. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very disappointed with these companies ways of investigating. On XX/XX/2023 I sent the creditors and bureaus a letter and all supporting documents that proved I am a victim of identity theft/fraud and that the accounts and inquiries that are reporting are incorrect an must be removed, deleted, blocked from all 3 of my credit files. I asked for the step by step procedure on how they were able to verify this information and both creditors and bureaus failed to do so. I will be forced to take legal action and I will be contacting the better business bureaus and the attorneys general if this matter isn't resolved asap. I will give you all one more chance to get it right and remove these fraud accounts that I am not liable for because I am a victim of 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Multiple times Ive made mobile deposits. Just recently I made a mobile deposit on XX/XX/2023 In the amount of {$3400.00} they gave me {$400.00} of it saying the rest of the funds would be available on XX/XX/2023. On XX/XX/2023 they sent me an email saying the whole check was out on hold until XX/XX/2023. They took back the money in my account causing me to be over-drafted. Even though I have been banking with them for over a year, depositing multiple big check deposits they decided to put it on hold.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2023-05-19
Company: Affirm Holdings, 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: Account information incorrect

Complaint:
My credit report from XXXX states that I have an outstanding debt of {$830.00} with Affirm which is listed as a personal loan. On XX/XX/2022, Affirm sold my loan to XXXX XXXX, XXXX whoacquired the loan, with an unpaid balance. ( Attaching confirmation of account sold to XXXX XXXX from Affirm ). This was a charged off account that was sold but is still reporting a balance from Affirm ( original creditor ) of {$830.00}. I have attempted to reach out to Affirm and XXXX many times to update the balance of the loan to {$0.00} as the account was sold off and should be reporting a balance of {$0.00}. I have disputed it with XXXX many times as well as Affirm. On my XX/XX/XXXX XXXX report, XXXX actually did fix this issue and took out the balance ( attaching Affirm account information on XXXX ), but maybe due to having multiple disputes open someone else put the balance back on my XXXX report ( attaching Affirm account information on XXXX ). This started showing as a new delinquent account on my XXXX report because it was re entered which dropped my score more than before when it was previously reported. I am not able to get the balance removed. I have also settled this debt with XXXX XXXX XXXX ( attaching confirmation of debt settlement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: GA
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 am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts and inquiries below removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: DISCOVER BANK
State: FL
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:
I was charge twice for the same item from a merchant which two bank card was charge on the same day for the same amount for the same merchant.. The correct charge was place on my XXXX XXXX XXXX ending in XXXX in which I authorize and approve The charge on my Discover card in which I was told by the merchant that it was denied by the bank.. In which i needed to pay on a different card in which I use my XXXX debit card which is link to my checking account On XX/XX/2023 i open a dispute with Discover Card in which the case number is XXXX and XXXX I told them i needed to open a dispute because I pay by other means in which the charge on my Discover was invalid because the merchant said it was decline. I was told to send in documents showing that i paid with a different payment method.. Discover open my dispute in which they issue me a temporary credit for both charges On XX/XX/XXXX merchant contact me by text message to inform me that they will be issue me a refund back to my Discover Card ending XXXX for both charges. In which they sent me proof of the refund in which on the same day I called Discover in which I told them I was getting a refund and that I should close the case.. In which I close the case on XX/XX/XXXX 9 days went my ad I didn't receive the agree refund in which I contact the merchant on XX/XX/2023 by text message and was told that they process my refund and their nothing they can do for me.. 

I contact Discover on XX/XX/2023 in which I explain to them that I never received the refund as agree in which the agent inform that I need to upload documents showing the merchant agree to give me a refund in which I upload.. 

I was told XX/XX/2023 that a agent contact the merchant in which they say they didn't agree to give me a refund in which is incorrect because I have info they sent to me showing i was getting a refund and I was denied of getting the credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello, I am writing to report that I have been the victim of identity theft, as evidenced by unauthorized inquiries on my credit report. According to 15 U.S.C 1681, credit report agencies are acting unlawfully and defaming my character by allowing these inquiries to appear on my credit report without my permission. These unauthorized inquiries have resulted in significant damage to my credit score and have made it difficult for me to apply for credit. As a result, I believe that the credit bureaus have violated my rights under the Fair Credit Reporting act, which requires that credit reporting agencies maintain accurate and up-to-date information about consumers. I urge the CFPB to take swift action to address this issue and ensure that credit reporting agencies are held accountable for their actions. I would appreciate any assistance you can provide to rectify this situation and restore my credit report to its rightful state. 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 explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX XXXXk XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It 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 card account under an open end consumer credit plan as late for any purpose.

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 2023-01-25
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
IVE BEEN A VICTIM OF IDENTITY THEFT THERES BEEN A OPEN FRAUDULENT THAT IVE NEVER APPLY OR REQUESTED, THIS ACCOUNT IS XXXX XXXX AND XXXX XXXX XXXX ACCOUNT IS FRAUDULENT OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY, THE ACTION THAT WAS TAKEN A POLICE REPORT AND A FEDERAL TRADE COMMISSION 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 2023-04-02
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/23 XXXX XXXX XXXX and I made an agreement to settle a collection of {$1400.00} paid in full and removed from my credit report for {$1100.00}. I was promised that a letter would be sent to me stated those details. The collection agency reported that I only paid XXXX which has still left a balance of {$340.00} on my credit report. They also stated that I would receive a letter in ten days after the payment was approved. It is now XX/XX/23 ( 16 days ) and I did not receive the letter stating that this debt is resolved in full and would be deleted from my credit report. 

Under an investigation to Experian and XXXX and XXXX. All companies are refusing to remove the existing amount in full from my credit report even after showing them the noted ( Conversation ) I have with 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 2023-04-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from Experian LLC XXXX I have reviewed my credit report and found that there are violations of the following federal laws : 1. 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my credit score.

2. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law.

3. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law.

I am requesting that Experian LLC promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that Experian LLC provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. Thank you for your prompt attention to this matter. 



Sincerely, 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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI 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 non-monetary relief
Consumer complaint received 2023-03-04
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Unknown charges has been applied to account other than the mortgage payment info. These charges are called " Outstanding Principal '' and " Deferred Balance ''. Doing some research I found that these balances are actual legal fees that I know nothing about or how I got them. It appears it occurred when the original loan provider sold the loan to " Shellpoint '' or doing some acquisition process. This fee is separate from the principal balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I see XXXX and XXXX XXXX buy on my report. I did not do this. I contacted both companies they have no record of me by name, number, social or dob. They are inquiries and I have been assured no accounts exist active or otherwise.

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