BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX, 2016 To whom it may concern 1. I attest that I am XXXX XXXX, and the author of all verbiage within this complaint. On my Experian and XXXX reports I have accounts in collection, XXXX on XXXX and XXXX on Experian. 

2. This complaint is based on XXXX, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how XXXX and Experian are reporting this data within my report. 

3. XXXX XXXX XXXX and XXXX XXXX XXXX are debt collectors, file standards, and laws, prohibit XXXX to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual. 

XXXX. XXXX file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or Unpaid Collection pay status. 
Account Type Codes XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. 

6. XXXX, is designated as a " Open/Installment/Revolving '' ACCOUNT TYPE and can not be as this data is not expected to be sent by a debt collector on this industry standard file, and is in fact reporting as a Factoring Account and is included in my XXXX. 

7. XXXX and XXXX accounts have a PAY Status of past due, and can not according to XXXX - as this data is not expected to be sent by a debt collector on this industry standard file. I have never been late with XXXX nor XXXX 8. XXXX account on XXXX is reporting a creditor classification of " RETAIL '' and can not, as this data is not expected to be sent by a debt collector on this industry standard file XXXX. XXXX account on XXXX has a pay history, and can not - as this data is not expected to be sent by a debt collector on this industry standard file. I have never paid them anything nor ever agreed to. 

9. XXXX account is Medical and should be labeled as such. 

I request that these erroneous accounts be deleted from my reports and not reinserted as they have been damaging to me in monetary ways. I have been denied acredit due to these accounts showing as open/late, when in fact if they were showing as collections on both XXXX and EXP as per their sample reports show I would not have such a low score. 

I will be forwarding this complaint to XXXX, EXP, XXXX, CFPB and to the involved Collection agencies as these procedures are illegal under the FCPA and FDRA. 

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 non-monetary relief
Consumer complaint received 2021-12-29
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX {$800.00} XX/XX/2019, CREDITOR XXXX XXXX, OLIVER ADJUSTMENT COMPANY XXXX XXXX,, {$760.00} XXXX XXXX,,, {$150.00}., CREDITOR XXXX XXXXXXXX XXXX SC NOT UNDERSTANDING HOW THIS MAY HAVE OCCURED.IAM AXXXX YR OD FEMALE THAT HAS GOTTEN MEDICAL ASSIS FROM THE STATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-05-14
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:
The Credit Bureaus never did a proper investigation '' according to the FCRA The term " investigative consumer report means a consumer report or portion thereot in which intormation on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the air Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 

They also violated the law because according to 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.

I did not give anybody 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 2020-04-18
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Two credit cards with chase bank had fraudulent charges on them performed by a business associate that went bankrupt. These charges were never authorized. 
Chase Bank show 's these as Charge off in XX/XX/2013. 
CardsCards # XXXX & XXXX. 

I disputed this with the credit bureau in XX/XX/2013. Other letters were sent to Chase Bank prior to that with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: HI
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:
On XX/XX/2021, I sent a certified letter to EXPERIAN disputing the XXXX XXXX XXXX ACCOUNT # XXXX, EXPERIAN responded saying they verified this account as accurate, however on my recent report the " STATUS UPDATED '' did not change and under the " COMMENTS '' section Nothing was mentioned about my Dispute at all. So obviously no Independent Investigation was actually done by EXPERIAN. I am requesting deletion based upon the fact that EXPERIAN did not follow procedures as outlined in the FCRA.

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 2015-12-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
THIS COMPANY IS WRONGFULLY MESSING UP MY CREDIT I WANT IT DELETED IT IS OVER 7 YRS OLD STATUE OF LIMITATATIONS HAS EXCEEDED PLS REVIEW AND DELETE IT OFF OF MY CREDIT REPORT WITH YOUR COMPANY IT IS ALREADY OFF OF XXXX AND XXXX THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

I am so tired of the credit bureaus disrespecting my privacy and not assisting me in reconciling these erroneous 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 2015-09-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian refuses to allow me to dispute information regarding inquiries. Since it 's easy to take someone 's personal information, match it to an application and leave the inquiry as-is, they have repeatedly refused to remove the inquiries I have enclosed ( I circled them ) and refuses to request the companies in question supply an original application, which is FCRA mandated. 
Moreover, they refused to let me dispute XXXX/XXXX when the items and information reported have never been proven as mine, or proven accurate. 
I have the right to request a written copy of the process used to determine the information on my report is accurate as shown. So I am doing so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I tried to use my debit card at an ATM on XX/XX/XXXX so that I could pay for lunch for my family. For some reason, this locked my ATM card. I spent an hour on the phone trying to get a hold of a Fraud Specialist but I never got through. I have sent emails and tried multiple times since XX/XX/XXXX Sunday to reach a representative but have never gotten past the 'hold music ' -- I have also not received a response email from XXXXXXXXXXXX - which is the email they suggested I use. I need my card unlocked. Bank of America has a flawed system!

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 2021-11-26
Company: Credit Card Acquisitions Group
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit notification today XXXX that this company has added a collections. However I did not received a right to dispute. I not even sure what they are collecting for as I have not obtain any debt or opened anything in years. This is a violation of my customer rights and illegal to add to my credit report without giving me the option to dispute or even know what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An ID theft affidavit was sent to Experian containing accounts that were open due to fraud, forgery and theft. The Affidavit contained police report number XXXX, FTC complaint # XXXX and a U.S. Postal Inspection service complaint # XXXX. Experian continues to report the following accounts ; XXXX XXXX XXXX XXXX partial account number XXXX is not my account. 
XXXX XXXX XXXX partial account number XXXX is not my account. 

Experian failed to properly investigate this matter, in addition to disregarding my rights as a victim of identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was denied a loan because Experian did not release the exact information regarding XXXX disputed derogatory items on accounts already paid and closed ( XXXX of them It 's almost XXXX years old ). It was also inaccurate regarding proportion on loan balances vs amounts I owe due to the fact that practically all of my credit cards have very low balances .On the dispute I mentioned above the other XXXX major credit bureaus deleted the negative information upon request except for Experian that failed to see the fact of an individual with a very good credit history and record of paying on time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian Consumer Dispute : Dear XXXX According to the Fair Credit Reporting Act, XXXX U.S.C. XXXX Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report to assure maximum accuracy. Without proper verification by them, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that Experian used to verify that the account ( s ) belonging to me the first time they reported the account on my credit report. Failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA XXXX XXXX. XXXX, unverified accounts must be promptly deleted. If Experian is unable to provide me with a copy of the verifiable proof that Experian has on file within 30 days for each of the accounts listed below then they must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. The following accounts must be verified or removed immediately : Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX BANK XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX/XXXX/1976 XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: FC HoldCo LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
FLAGSHIP ACCEPTANCE XXXX XXXX XXXX XXXX,TX XXXX

XX/XX/XXXX 

Re: Unauthorized Credit Inquiry

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 2020-04-18
Company: CITIBANK, N.A.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of 2019 we were notified via email that there were upwards of {$2000.00} in charges on our account. The purchases were made online and picked up in person at a XXXX Best Buy. 1. we were out of town then and never ordered or picked up these products. 2. With a pick up order of $ 2000+ they SHOULD ALWAYS check ID on the person picking up. 

Obviously we reported these charges as fraud. Best Buy sent it over to their fraud department for investigation. After multiple calls and jumping through hoops they finally agreed that it was fraud, and we were told over the phone that ALL CHARGES WERE DEEMED FRAUD AND ANY CHARGES, AND FEES RELATED TO THE PURCHASES WOULD BE REMOVED. 

We received a letter from Best Buy on XX/XX/2019 saying " We are writing to inform you that we completed the investigation on your My Best Buy Credit Card Account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 

I was so relieved to finally get this letter after getting the go around every time we called them and re-explaining the issue. Such a headache. BUT little did I know even though the letter said it was fixed and that XXXX, XXXX, XXXX  XXXX would all be updated. They were not. 

We recently pulled our credit while trying to get a home and THE CHARGES STILL REMAIN AND HAVE NEGATIVELY IMPACTED MY VERY HIGH CREDIT SCORE. I have never had any late payments or anything negative reported on any of my credit cards until this happened. 

I have continued to contact Best Buy and am always given excuses and I swear the call center doesn't even understand what I am trying to explain most of the time. I called today and they are closed due to Covid 19. I have reported disputes 3 times to XXXX  with proof of my letter from Best Buy. However when they look into it and contact Best Buy Citi Credit Card they are told, nope! The account is closed but fees and interest rate still applies! I AM NEVER PURCHASING FROM BEST BUY AGAIN. THIS HAS BEEN SUCH A HEADACHE AND HAS BEEN GOING ON MORE THAN A YEAR NOW. WE HAVE BEEN MORE THAN REASONABLE BUT NOW THAT IT IS EFFECTING THE LOAN ON OUR HOME THIS IS NOT OKAY! I NEED HELP FIXING THIS FOR GOOD. PLEASE PLEASE HELP! 

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 2017-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I went through and completed a student loan rehabilitation program in XX/XX/2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a XXXX rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since XX/XX/2013. It 's been over 4 years, but XXXX ( XXXX aka XXXX, XXXX, XXXX, XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the National Student Loan Database, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! 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 2022-12-10
Company: Transform Credit 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX but account not open by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation