BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. The following accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date XXXX XXXXXX/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 2020-03-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2022-10-07
Company: Exeter Finance Corp.
State: IL
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 filed a complaint with the company and the consumer financial protection bureau XX/XX/2022 in regards to Exeter publishing my information per the CRAS. Exeter is in clear violation of the law, the initial complaint was about them publishing transactions on my credit report in which pursuant to 15 usc 1681b- permissible purposes of consumer reports-a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the Fair credit reporting act 15 usc 1681 ( 2 ) ( a ) ( I ) - ( 2 ) -EXCLUSIONS-Except provided in paragraph ( 3 ), the term consumer report does not include- A ) -subject to section 1681s-3 of this title, any- ( i ) - reporting containing information solely as to transactions or experiences between the consumer and person making the report ; The reporting of my experience and transactions is illegal and furthermore has damaged my character, my reputation, my general mode of living, bd my ability to obtain credit for personal and house purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2023-05-05
Company: HW Holding, Inc
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
-> General multiple noises and sound disruptions. 
-> Neighbors that were barely there and likely employed as XXXX XXXX XXXX XXXX XXXX 
-> A record of 2-3 maintenance requests that did not get fixed on my first request. 

-> An unrequested maintenance request " routine check '' that further damaged the plumbing in my bathroom, resulting in further sound disruptions. 
-> Severely illegally overcharged for attempting to fix these inflicted damages on my apartment for {$1500.00}, amidst noticeable confrontations from personnel wearing XXXX XXXX XXXX XXXX 
-> Ending my final rental renewal through the XXXX XXXX XXXX. 
-> Being notified for the first time of more illegally overcharged dues of maintenance requests after the first day of my expected active duty training period report date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: SC
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've written Debt Validation ( XXXX Letters ) dated XX/XX/2022 addressed to the bureaus for the negative items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also mailed a letter for the Method of Verification. It's been more than 30 days and I haven't received any response. Under the FCRA, unverifiable accounts must be removed.

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 2018-08-28
Company: National Credit Adjusters, LLC
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:
XXXX has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX This has never been late. 

XXXX XXXX XXXX This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX   Late payment. This account was never late. {$21000.00} XXXX/XXXX This account was never late. 

XXXX XXXX This account does not belong to me. 

National Credit Adjust This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX/XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good morning, I am respectfully requesting reconsideration for my payment counts. I currently have XXXX loans ( XXXX DL XXXX Unsubsidized and XXXX XXXX XXXX XXXX ) both with XXXX payment counts and XXXX DL Consolidation Subsidized and XXXX DL Consolidation Unsubsidized ) both with XXXX payments counts. I previously consolidated my loans in XXXX. After my loans were transferred from XXXX to Mohela this summer, I contacted Mohela 's customer service representatives several times requesting guidance and asking what, if anything, needed to be done on my account. I was instructed to submit updated employment verification, which was submitted prior to the Limited PSLF waiver expiration. I contacted Mohela at least XXXX times before XX/XX/2022, and at least XXXX times after. Today, I spoke with a supervisor who advised that I should've consolidated my loans to receive the benefit of the higher payment counts. This was my XXXX time hearing about this. Additionally, she provided contact information for the ombudsman which I have also contact. Also, I requested transcripts from Mohela as proof of my prior contact with the loan servicer. As such, I am respectfully requesting that my loan counts of XXXX on both loans be updated to the XXXX, so I can receive the benefit that was not properly explained to me during my previous calls and interactions with my servicer. If I can not call the loan servicer and receive proper guidance regarding my loans, who can I call. For this reason, I would like to request reconsideration. I'm awaiting the requested transcripts. If necessary, I can forward them upon receipt. Mohela, as my loan servicer, did not provide accurate guidance when I contacted them prior to the XX/XX/2022 deadline. Had they done so, I would have consolidated my XXXX loans, so I could receive the benefit of my highest payment count which is currently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: Finco Holding Company LLC
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:
XXXX has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX  This has never been late. 

Equitable Finance Company This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX Late payment. This account was never late. {$21000.00} XXXX/XXXX  This account was never late. 

XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX/XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX/XXXX  XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX/XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,

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 2023-03-09
Company: Experian Information Solutions Inc.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX ( XXXX ) XXXX Ref. Account No : XXXX On XX/XX/2022 I submitted a transaction dispute with Cash App that involved 3 separate transactions. On XX/XX/2022 I filed a complaint with the Consumer Financial Protection Bureau, Complaint No : XXXX. The disputes are still active despite contacting Cash App support multiple times. To my knowledge there has been no progress made towards resolving the disputes. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not give these companies permission to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I disputed a late payment for XXXX XXXX acct # XXXX datedXXXX with Experian on XX/XX/2023. The item was not deleted. They are reporting unlawful negative information on my credit report. I also I was not given the option to opt out of such reporting. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
15 USC 1681b ( A ) ( 3 ) ( A ) Remove these hard Inquiries from my credit report immediately. 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 explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX account continues to show on my credit reportcand should be removed immediately. I have tried to remove this account on 6 or more instances. This account negatively affects my family and we are denied access to credit products. This causes us to be depressed because we want access to the american dream. This account was settled and I was told this would be removed but it still remains on my reports. I ask that this account be verified as accurate or removed immediately. I have sent numerous disputes to include the agreement I had. I ask that first premier provide me with detailed proof of how this has been verified to include contacts or remove this account immediately. The Fair Credit reporting Act states that any information that is listed on my credit report that is inaccurate, outdated or unverifiable must be removed immediately from my credit file. Credit bureaus continue to not follow the law and the CFPB allows them to do so.

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 2022-10-07
Company: EQUIFAX, INC.
State: GA
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:
On XXXX/XXXX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief