BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-02
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 sent a letter to Experian, stating that the listed items were not being filed accurately on my credit report. I stated that I needed them properly verified and they were not. I was also told in the response letter that they would not re-investigate. 

As a part of FCRA ( Fair Credit Reporting Act ) they did not provide me with information that was transmitted to the data furnisher. They did not inform me of who they spoke with, the date, how long was the conversation, what was their position, what number did they call, what was the name of the employee that spoke to the creditor, what was the position of the employee that spoke to the creditor. This inaccurate reporting has caused me emotional distress and hindered my job search.

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 2021-09-27
Company: EQUIFAX, INC.
State: MA
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:
Equifax continue to violate the FCRA requirements by continuing to report inaccurate address on my credit file. I have never live at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Mass. XXXX. I have provided proof documentation directly from my Massachusetts XXXX XXXX license clearly showing my home address that I have lived at for the pass 25 years. Equifax remove this inaccurate address from my credit report and reinstated without proper notification to me per the FRCA. This is a violation of the FCRA requirements. 

Equifax remove or delete this inaccurate address from my credit file immediately. Please send me a full and complete copy of my credit report showing this inaccurate information removed. I am once again providing proof documentation of my home physical address. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department '' ( please see attached Credit Report excerpt ).

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 2016-03-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian sent me my most recent Credit Report dated XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The same inquiries have been properly investigated and removed within the time period while Experian is using delay tactics to resolve the matter. The following inquiries are being disputed : XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX ( 2 TIMES ) XXXX # XXXX ( 2 TIMES ) XXXX XXXX BANK # 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 Please note that for some of the mentioned disputes have been made known to Experian since XXXX 2016. Experian has not complied with the 30 day period as per 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 non-monetary relief
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED XXXXXXXX -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$3100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: FC HoldCo LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

( INACCURATE INFORMATION ON DATE OF LAST ACTIVE )

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 2021-09-27
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
ASPIRE Credit Card has decided that I agreed to pay a " Maintenance Fee '' after the 1st year that my card was open. I recently was charged {$12.00} for this fee that they say even if I close out the card, they can still charge. This is not the Annual Fee of {$49.00} or the Interest, it is a fee they set and will continue to charge until the account is a zero balance. It is very unfair. 

I recently since XX/XX/2021 have had 4 XXXX for XXXX and been struggling. I called in to them to get caught up and no one tried to tell me about this additional hardship or Credit Protection until today XX/XX/XXXX 

I called XXXX XXXX and have 2 cards with them. They do not engage in thus practice. 

This company address is : XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear CFPB, I have XXXX issues to report regarding my Experian Credit Report. The first issue concerns a collection account that I have paid in full and the second issues concerns fraudulent credit inquiries on my report. 

( 1 ) XXXX Account XXXX XXXX XXXX, XXXX, I paid a past due account in full which was being collected by XXXX XXXX XXXX. ( Please see attached documents for verification ). Upon that payment, XXXX XXXX XXXX informed me that they would send notification to each of the XXXX major credit bureaus that the account had been paid in full. Almost two months have passed since that time and Experian has yet to remove the " collection '' from my account. Yesterday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX to ensure they had sent the notification. They informed me that they had and had sent a further " expedited '' notification to the credit reporting bureaus to have them remove the collection from my account. I am in desperate need of the collection 's removal because I am looking to refinance close to {$200000.00} in student loans. The refinancing company will not move forward with that process until the collection is removed from my account and so each day that passes, I incur greater interest charges. 

( 2 ) Fraudulent Credit Inquiries At some point in early XXXX XXXX or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Experian in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : ( i ) XXXX - XXXX XXXX, XXXX ( ii ) XXXX - XXXX XXXX, XXXX ( iii ) XXXXXX/XX/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 2019-05-11
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 noticed on my credit reports that there is a collection on it that does not belong to me as a result of fraud or identity theft. XXXX, XXXX account number : XXXX is the collection agency. They are reporting that I owe XXXX dollars. The credit reporting agency XXXX is allowing the fraudulent information to be reported after I have contacted them and verified that I do not have or never had an account with XXXX, XXXX. It is illegal to report inaccurate information. The account is not mine.

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 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i pay to a collection agency back on XX/XX/2015 and a new collection agency is taking me to court. I submitted prove of payment

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 2021-09-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few accounts on my report that I do not recognize

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 2021-09-27
Company: EQUIFAX, INC.
State: LA
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:
Warning to Remove Incorrect Items from my Credit Report ASAP!!!!!! 
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX. I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX CREDIT PLUS XXXX XXXX XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security XXXX, yet again. I submitted it the first time with the dispute.

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 2021-09-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a XXXX loan through Comenity Bank. I paid as planned but struggled due to pandemic and work. I continued to pay under an agreement but was late on one payment and now they basically have my balance at what I started despite 2 years of paying. They refuse to give me a report of payments made, interest and fees. Due to that one account and their reporting my credit score dropped 200 points. They refuse to close the account and continue to accumulate interest and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hello - As per Federal Law, the statue of limitations, 7 years, has elapsed on this alleged debt below, even should it be ours. It is now ZOMBIE DEBT which under Federal law is illegal to report. We have asked Experian to remove the misinformation, however they refuse to comply with the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). Please note, XXXX and XXXX as complied with the Fair Credit Reporting Act and removed these ZOMBIE accounts months ago. Please investigate why Experian is refusing to remove this inaccurate information and comply with federal law. 

1 ) XXXX XXXX {$6400.00} {$5000.00} 128 % Revolving Negative XX/XX/XXXX -- - 2 ) XXXX XXXX {$3700.00} {$2800.00} 133 % Revolving Negative XX/XX/XXXX -- - 3 ) XXXX XXXX {$6600.00} {$5000.00} 132 % Revolving Negative 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 2021-09-27
Company: CBK, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Collection Bureau of Kansas is illegally charging intrest on a XXXX Municipal Court Debt. Intrest was never included in original agreement. According to the Fair debt collection practices act that is a violation of subsection 808.

Under k.s.a. chapter 12-4119, the municipal court is allowed to contract a collection agency for no more than 33 percent of original principal which I completely agree with. I am willing to pay the principal and collections fees, but not the thousands of dollars in intrest which CBK has absolutely no authorization to collect by their contract or any Kansas law. They are currently sueing me and trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX On XX/XX/XXXX i sent out a dispute stating that my charge off was reporting C/O every month and for that to be fixed and XX/XX/XXXX I received a update on XXXX website that is it was updated but the information obviously was not its still reporting C/o every month to my knowledge under the FCRA that is illegal for the credit bureaus to do so. On XXXX XXXX i sent out a dispute on the account listening that XXXX was reporting a high balance of {$0.00} and transunion was reporting the same account high balance as {$410.00}. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is their duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. So i asked them if they could Please DELETE this erroneous item immediately but got no deleting or any information after that I have also added a screenshot of the listed account as of XX/XX/XXXX and as u can see it was last verified on XX/XX/XXXX and theres still errors on the account.. The high balance is showing {$410.00} on transunion & XXXX is reporting a {$0.00} balance.. Also Transunion is reporting the open date as XX/XX/XXXX but XXXX is reporting it opened on XXXX Third error on this credit report is that transunion is reporting a closed date of XX/XX/XXXX XXXX doesnt have a closed date

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 2016-05-23
Company: SUNTRUST BANKS, INC.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Suntrust Cardmember Services refuses to allow me to dispute future, recurring charges to my credit card.

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 2021-09-27
Company: EQUIFAX, 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:
All ( 3 ) major credit bureaus : XXXX  Equifax and XXXX are in violation of Federal Law per Congress which specifies 15 USC 1681 ( a ) ( 4 ) " ... respect for the consumers right to privacy. ''. My right to privacy has been revoked as I did not consent to the reporting of such information nor did I give any written instructions to these agencies to make any oral, written or other reports on me. Violation of this law is confirmed under 15 USC1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. ". The above noted agencies are erroneously reporting information relating to a false, misleading and fraudulent debt by XXXX XXXX XXXX XXXX ( {$25000.00} ). The agencies are also show unauthorized reports from US Department Of Education AFSA ( $ XXXX ) ; these reports have been showing since before XXXX and I have tirelessly worked with the agencies numerous times on my own behalf and through a significant expense to " credit service '' companies. This is STILL continuing to impact my credit, life, reputation and has had adverse action toward my livelihood. The report notes that the balances have been " sold/transferred '' without any information being provided to relating to the sale, how much were they sold for and the associated commission/profit made as a result.

The above noted agencies are additionally reporting multiple inquiries negatively impacting my credit from third-party entities of which I gave no written notice or authority to request or utilize my credit. There are approximately 10 inquires on each report totaling 30.

Company response to consumer: Closed with explanation