BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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:
DUE TO IDENTITY THEFT, THESE EXPERIAN INQUIRIES DONT BELONG TO ME, PLEASE DELETE FROM MY EXPERIAN PROFILE. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX XXXX XXXXXXXX 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 2021-09-30
Company: EQUIFAX, INC.
State: WA
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:
This is something Ive been dealing with with over a month all started XX/XX/XXXX when I had a dispute and the card company reported me negatively and I drop my credit 20 whole points it was not supposed to happen Ive been pussyfooting around with us you could see what day it is now and I complain against credit card company and XXXX XXXX and that seem to get fixed pretty quickly but now I have XXXX XXXX  that is dragging its feet your government agency you should be totally on top of this and I keep getting jerked around with the credit card company and nobody seems to be behind the wheel of this massive runaway train we The people call a country

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, I sent a dispute to XXXX regarding an account that Bank of America is reporting on my credit report. The account was opened in XX/XX/XXXX, but the account does not show any payment history from XX/XX/XXXX through XX/XX/XXXX. 10 months of the payment history are missing and the account is incomplete. 

XXXX  responded to my dispute on XX/XX/XXXX and said the account was updated ; however, the account was no removed or corrected. The 10 months of payments are still missing from the account. This means Bank of America verified the incomplete information as accurate to XXXX. The FCRA requires Bank of America to correct or remove inaccurate or incomplete information from my credit report after I submit a dispute through the credit bureau. 

I'll also add that Bank of America has deleted the account from my XXXX, XXXX, and XXXX credit reports. I am unsure why they are verifying inaccurate and incomplete information to 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 2020-02-24
Company: EQUIFAX, INC.
State: NY
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 and XXXX  keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is Equifax and XXXX   validating this account? I will have to seek a lawyer to sue Equifax, XXXX  and XXXX XXXX XXXX if this fraud account isnt removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-12-07
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
my vehicle was repossessed. 

but no right to cure letter was made. 

I checked my mail everyday after I recovered from a medical issue with XXXX XXXX recurring. 

their was no letter from the company office title max for right to cure.

I went into the website to do a payment and I was told that the only payment to make is in cash only. 

the option to use check or debit card is blocked. 

this option is not blockable I believe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: MD
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:
I sent this request that you reinvestigate the disputed Accounts from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$8.00}

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 2023-05-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove the following inaccurate information on my credit report with Equifax. this issue has grown larger an caused many effects on my file. please review an remove all listed data. my credit report is damaged due to invalid data please remove asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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:
I obtained my report and noticed inaccuracies on XX/XX/2023 and sent my first dispute letter on XX/XX/2023 and they updated my information on XX/XX/2023. I then submitted my second dispute letter requesting a re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was locked out of my Apple phone and Apple account because I forgot my Apple ID password after the IOA 16.1.1 " upgrade '' was forced downloaded on my phone. I save my passwords on my phone, which previously allowed for access through my unique thumb print. The recovery process allows for confirming my Apple credit card number ( Apple card through Goldman Sachs ), which I attempted to do by calling Goldman customer service to obtain. The credit card has no account numbers or even a phone number displayed on the card for instructions for who to call when you have any type of problem. I found the phone number by searching online. 

I spoke to a Goldman representative who informed me they " don't have access to my full credit card number, only the last 4 digits. Having been " locked out '' of my Apple account, I can't access my Apple credit card information which is in my digital wallet. Fortunately, I don't owe anything on my account, otherwise I wouldn't be able to make a payment because Apple won't recover my Apple account until XX/XX/2023. They transferred me to an Apple representative, whom also couldn't provide my full account number. 

I'm literally locked out of my profile, which includes access to both personal and business email accounts, all contacts, all financial records and accounts that are " digital '' in nature, as well as any preferred media locations. 

My concern is with Goldman Sachs inability to provide me with information that would have allowed me to recover my account information at Apple, but also Apple Corp for not being able to assist me recover " my data access '', which they should be able to do through a simple verification process. I get the security concern, but I could get them to a point where they would know I am who I represent to be. I had to go and purchase a new cell phone after having been " locked out '' of my existing phone, at which time a representative at XXXX XXXX XXXX could have confirmed my physical identity with Apple, should that have been offered. 

This is an unthinkable situation that is being driven by Apple and their partner Goldman Sachs. How can someone become " locked out '' from their digital profile, restricting or eliminating access to digital financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: MO
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:
I am a victim of identity theft please remove this fraud inquiry 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 2021-09-30
Company: TRUIST FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me. 




XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Regional Acc Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/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 2023-08-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2021-09-30
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me. 




XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Onemain Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Minto Financial dba Minto Money
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for the loan online on the minto money website on XX/XX/20 and I was contacted by a representative named XXXX on XX/XX/20 around XXXX. I asked why he was calling from a XXXX area code if the company is from Alaska to later find out that is only a PO box address. I gave  them my social security number and my bank account routing and account numbers as well as my full name, address and phone number. I don't know what to do. This is a scan for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Inquired on 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 2023-07-24
Company: Experian Information Solutions Inc.
State: SC
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:
My bank account has been getting charged for experian monthly services for several months now. When I called experian on XX/XX/XXXX the representative told me to go online and verify my phone number or verification method to get into my account. When trying to get into my account the verification method is someone else phone number. After I stated this the representative told me it was a technical issues!!! I stated that thats fraud I cant get into an account that youve been charging me for for months and the phone number listed is not mines. The representative still insisted that it was a technical issue and wanted me to put my new phone number on file so she could delete the old one. I told her no I would be making a fraud alert. Ive had this issue several time in the past started in XXXX while I was XXXX XXXX in the Military. Ive filed police identity fraud reports in XXXX, XXXX through XXXX. This has been an ongoing problem even when I put my credit profile on lock or place A credit fraud someone stills runs it no one calls to verify my information and the creditors wont delete!! Experian has been sued plenty of times for leaks of personal information and still have yet to reimburse me for any of the problems this has caused. If someone else number is listed I cant even get in the account TRAIN YOUR REPRESENTATIVES to know the difference between TECHNICAL AND THEFT. If an authorization is used to get into someones account thats a SECURITY METHOD/RISK NOT A TECHNICAL ISSUE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are 2 public records of Chapter XXXX bankruptcies listed on my credit report. One belongs to myself and the other does not belong to me. 

Case # XXXX does not belong to XXXX XXXX ( legal name ) Case # XXXX does belong to XXXX XXXX ( legal name )

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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 just pulled a copy of my credit report and noticed several fraudulent accounts on my reports.I have reached out to the bureaus several times to no avail.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-09-30
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been locked out of my Barclay US online account for two months. I have tried calling, contacting them on XXXX/social media, and have not been able to talk to a live person. Each time I call I am on hold for over an hour and a half before I am forced to give up. I have called the line 20 times in the past two months. I need to get through because I can not use my card because I am unable to see a balance or make payments until my account is unblocked.

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 2023-08-22
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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