BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting on report XXXX account is reporting wrong date of XXXX delinquency. XXXX account was sold/transferred XXXX times. Date of XXXX delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
My Experian disputed accounts are sent back as verified and are entirely inaccurate, incomplete and represent very serious errors in their reporting. Company is in violation of 15 U.S.C. 1681. Experian required under the FCRA to have properly verified the accuracy of accounts listed on my credit report with physical documents. Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that Experian cant just verify my accounts by telling me they are verified. Nor can Experian verify my accounts by telling me to contact the creditor of the accounts I disputed as Verified. This means that IF Experian cant send me proof of these accounts from THEIR COMPANY, it must come off. All in all, Experian has ignored my request to provided me with the documents that it has in their files that Experian used to verify the disputed accounts which means that Experian have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to ... promptly delete all information which can not be verified. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. Experian fails to comply with federal regulations by credit reporting agencies. Experian is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, 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 2015-09-24
Company: Marlette Funding, LLC
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
the loan is with Best Egg, who transferred the money into my bank account [ good ] but has not ever given me a statement, correspondence, or any way to contact them or keep track of loan. I would 've liked to make additional payments but the info they show when withdrawing payments from my bank account does not provide any information I can use to do so. also, they advertised low rates but that does not turn out to be the case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they required to* promptly delete all information which can not be verified * that I have disputed. Please resolve this manner as soon as possible. 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 2017-02-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all three major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX XXXX 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX 's. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?

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 2016-02-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
My dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not been addressed. It has been over 6 months and the information still shows " re-investigation in process ''. XXXX has failed to provide adequate results within the time limit. I am asking that this be removed from my credit file ASAP. XXXX and Experian removed this debt after re-investigation over 6 months ago. My dispute was filed in XXXX 2015 ( see outcome from Experian in XXXX 2015 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 2017-01-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit. 
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.

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 2016-12-28
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 'm writing about a personal banking issue I had with U.S. Bank. In 2013, U.S Bank opened a reserve line on my behalf, at the suggestion of a personal banker. It was pitched to me as overdraft protection. The problem is that the instrument was not properly explained to me over the phone and thus I was unaware that in the event of a negative checking balance, the reserve line would be drawn upon, rather than simply dipping into my savings. The banker did not tell me this crucial fact. Over the course of 3 years, I received a number of unnecessary and extreme interest charges totaling around {$800.00}. I believe the following : 1 ) This instrument was " sold '' to me improperly 2 ) It was not properly explained by the banker ( the process to authorize by phone and there is no paper trail to show that I understood the penalties or how the instrument worked ) 3 ) It amounts to fee gouging and does not alert consumers clearly that they are drawing on this expensive line ( had I known this, I could have simply replenished my checking account ) I 've been on the phone for multiple hours with low level online banking support and through a branch. They tried to be helpful but did n't have the authority to move this along. 

I am diligent in my review of my monthly statements but they are not laid out in a transparent manner and this reserve line was buried on page XXXX. Yet another reason I do n't believe the reserve line was issued or managed in a transparent manner. 

Because my initial conversation about the reserve line with the U.S. Bank banker was in XXXX of 2013, U.S. Bank claims they no longer have a record of that voice conversation but rather I should trust that the benefits were explained clearly. I disagree with this assertion. 

CFPB is a great resource and I thank for your consideration. I look forward to hearing back. 

Sincerely, 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 2016-08-24
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was issued a ticket for not having an inspection by XXXX XXXX, VA. I paid the ticket. NCC keeps calling and harassing me regarding this debt after I disputed the debt and have repeatedly told them that it has been paid ( and I have verified this with XXXX XXXX ). They will not stop, they tell me that I need to provide proof to them that the debt has been paid, I told them to verify with XXXX XXXX, who they are collecting for, that I am not comfortable providing financial information to a company I am not familiar with.

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 2016-09-29
Company: Glass Mountain Capital, LLC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Caller called from a local ( XXXX ) number. I called back, thinking it was a parent of XXXX or XXXX of my son 's teachers. Caller attempted to get my address, would not say who they are, hung up. Called again, individual who answered disclosed company name and address. Company is located in Illinois. She asked me to verify an address, and I complied, telling her my current address. She then gave me the Mini Miranda after I disclosed my personal information. Said they are calling on behalf of XXXX XXXX XXXX ( company that bought the debt ). They refused to give me contact information for this company, even when I talked to a manager. The manager stated that I could " look the company up on the internet. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have asked numerous times to have this Bankruptcy removed and they have not removed it. It should have been removed last year

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 2016-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have outdated information on my credit report that I have previously disputed that has yet to be removed this information is more then seven years old and does not meet credit reporting requirements

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 2015-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Transunion credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been really bad communication with Transunion credit bureau. I have stated over the phone and sent certified letters to have unauthorized inquiries removed from my credit 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 explanation
Consumer complaint received 2017-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My XXXX XXXX XXXX mortgage account has 30-Day delinquencies for XX/XX/XXXX and XX/XX/XXXX. My original mortgage servicer was XXXX XXXX and was bought out by XXXX XXXX XXXX XX/XX/XXXX. Due to the recent XXXX XXXX settlement, XXXX XXXX XXXX was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX Mortgage settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit 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 explanation
Consumer complaint received 2016-09-22
Company: Clarity Services
State: MO
Product: Payday loan
Issue: Can't contact lender

Complaint:
I keep getting calls, texts and emails about completing my loan application to get my money fast. I have not applied for any of these loans. I have spent 3 days filling out forms for Identity Theft and filed a police report. I got a denial email XX/XX/2016 for a loan I did not apply for. I have told these companies multiple times to not contact me and remove my name, phone number and email from their list. 

The following companies that continue to contact me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Clarity Services, Inc. XXXX ( Multiple unauthorized hits on my Credit Report )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed adverse accounts on my consumer file in XXXX, XXXX XXXX Bank, XXXX mortgage XXXX XXXX accounts I was requesting to validate that these debt belong to me but Transunion failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-10-21
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted numerous complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : 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 2015-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Chase credit card provides an interest free period with the upfront payment of a transaction fee. The terms page with expiration date of the zero interest is at the end of the statement after the disclosures page and separated from the the main part of the statement. The expiration date for the interest free period is changed to blank on the statement for the month the interest is charged. However a zero percent interest is still shown. The expiration date for another zero interest advance is shown below it which can be misinterpreted as the expiration date for all advances. On the following month 's statement the advance amount is then placed in a different location showing the new rate. This is after the rate is charged. The changing of location of the advance amount, the excluding of the end date, along with a different date for another advance can make it confusing as to exactly when the interest free period ends. Other less significant information is more clearly provided. I have not had this confusion with statements from any other credit card companies. 
Upon contacting Chase, an agent offered to refer me elsewhere to resolve the problem. Later he stated he was aware that those alternatives were of no use. He stated that interest charges were not disputable. Several of my questions to him about disputes were not answered clearly or directly or were responded to with ambiguous terms.

Company response to consumer: Closed with monetary relief