BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to place security freezes on all XXXX credit bureaus just yesterday. 
Experian was by far the most cumbersome if the XXXX. 
My identity was stolen by my estranged XXXX who can not seem to leave the fact that my given name was spelled making it very easy to steal my identity, and walk away as if I was the XXXX XXXX who abandoned our XXXX & the child support XXXX has never had to answer to the courts concerning. 
And, now that XXXX has done this once again, I do try to keep my credit from being tampered with before XXXX able to locate a XXXX way to keep me tied up fighting against collection companies that refuse to comprehend how easily it is for XXXX to pull these things, all due to the simple spelling of my first and middle name. 
Well, I just received an email back from no other than Experian, and I didnt need to read to far into the IMPORTANT INFORMATION reply to me in order for me to laugh and want to let those non-empathetic XXXX WHAT I HAVE BEEN TRYING TO EXPLAIN HOW XXXX  HAS DONE SO MUCH DAMAGE AND WITH SUCH EASE!! 
I have attached XXXX emails. 
The XXXX they sent to me, as well as my reply back to them about my entire point.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The items I disputed I have no prior knowledge of I do not know how they are on my report or how are they are being verified this is very frustrating and I have disputed these items on my report thirty days and have not received no verifying documents which I have requested

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 2023-01-09
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2023-02-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX reported my Mortgage Late for three months and it was only late for two months. They paid the wrong Home Owners Insurance Company so my homeowners insurance was not active prior to XXXX XXXX XXXX. They are always reporting the wrong amount on my statements and on the credit bureaus and my FiCO Score went down over 50 points because of their reporting the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM TRYING TO IMPROVE MY CREDIT SCORE AND RATING BUT WITH A CREDITOR DOESNT RESPONSE OR YOU CALL ON THE PHONE AND INJUIRY ABOUT AND ISSUE REGARDING WRONG INFORMATION ON YOUR CREDIT REPORT AND YOU GET THE RUN AROUND OR YOU REACH OUT TO THE CREDIT REPORTING AGENCY LIKE XXXX AND THEY STATE THAT I WOULD NEED TO REPORT ANY ISSUE I HAVE TO TH REPORTING AGENCY THAT IS A PROBLEM. I HAVE 2 CITI CREDIT CARDS ONE WITH CITI SIMPLICITY AND THE OTHER WITHCITI DOUBLE CARD. XXXX IS KNOWN FOR NOT UPDATING CREDIT REPORT ACCURATLY OR THERE IS A DELAY WITH THEY UPDATE THE CREDIT REPORT. I HAD A BALANCE ON MY CITI DOUBLE ACCOUNT WHICH WAS {$1000.00} WHICH THE CREDIT UTILIZATION WAS XXXX PERCENT WHICH MADE MY XXXX XXXX LOW I PAYED THE BALANCE OFF ON XX/XX/2023 SO THEY CAN REPORT THE ACCOUNT WAS PAYED IN FULL WITH THEY SEND UPDATE TO XXXX BY XX/XX/XXXX WHICH THEY HAVE NOT DONE AS XX/XX/2023 ON MY OTHER CREDIT REPORTS XXXX XXXX AND XXXX IT SHOWS THE ACCOUNT WAS UPDATED CORRECTLY IT NOW 6 DAYS PASS SO WHAT GOING ON LIKE I SAY XXXX IS KNOWN OF NOT UPDATE ONE CREDIT REPORT ON A TIME LESS BASIC WHICH IN FACT MADE CITI DOUBLE CARD TAKE AWAY MY CREDIT CARD CASH BALANCE WHICH I HAD A XXXX CREDIT LIMIT NOW IS DOWN TO XXXX LIMIT AT THAT TIME I PURCHASE A NEW CAR BUT MY OTHER CAR WAS NOT UPDATED ON XXXX CREDIT REPORT CORRECTLY AND IT SHOW THAT I OWE TOO MUCH. LIKE I SAY XXXX DOESNT ALWAYS UPDATED THE CREDIT REPORT ON A TIME LESS SCHUDULE AND ALSO AT THAT TIME I HAD A CREDIT MONITOR SERVICE WITH XXXX AND I USE MY CITI CREDIT CARD TO SIGN UP BUT LIKE BEFORE THEY DIDNT HAVE MY CORRECT ADDRESS ON FILE WITH BOTH OF MY CITI CREDIT CARD WHICH I DID UPDATE ON THE CITI WEB SITE AND I CALLED IN TO VEFY WITH A REP ON THE PHONE WHICH IN TURN XXXX XXXXEP CHARGE MY CITI CARD 6 TIME FOR SIGN UP ON XXXX WHICH IT DIDNT GO THROUGH BECAUSE OF WRONG ADDRESS ON THERE WEB SITE THAT WHEN CITI LOOKED AT XXXX CREDIT FILE AND REVERSE MY CREDIT CASH LIMIT TO XXXX ON BOTH ACCOUNTS MY CITI XXXX CARD AND MY CITI SIMPLICITY TO XXXX ON MY CITI SIMPLICITY CREDIT CARD MY BALANCE ON THAT CARD WAS XXXX AND I PAYED THAT OFF ON XX/XX/2023 THEY SHOULD OF REPORTED THAT A XXXX BALANCE ON MY XXXX CREDIT REPORT ON XX/XX/2023 WHICH IT SHOWS A XXXX BALANCE ON MY XXXX AND MY XXXX UION CREDIT REPORT. I

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 2020-11-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2022-09-17
Company: Experian Information Solutions 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:
There is information on my account that is inaccurate. 
15 U.S.C states a consumer reporting agency can not furnish an account without written instructions. 

In accordance with the fair credit reporting the following accounts have violated my rights. XXXX ACCT 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 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 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 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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hard Inquiries XXXX/XXXX  : XXXX 2020 XXXX XXXX : XX/XX/2020 XXXX XXXX XXXX XXXX,2020 XXXX XXXX  : XX/XX/2020 XXXX XXXX  : XX/XX/2020 XXXX XXXX XXXX  XXXX : XXXX XXXX2020 XXXX, Transunion I don not recognize or recall these statements

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 2020-10-14
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:
Experian and XXXXXXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are 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 explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-17
Company: Experian Information Solutions Inc.
State: AL
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 recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX - {$220.00} XXXX XXXX- {$560.00} XXXX  - {$560.00} XXXX XXXX- {$660.00}

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 non-monetary relief
Consumer complaint received 2022-03-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/22 I was making a {$1400.00} purchase at XXXX XXXX I was " sold '' on opening a store credit card as I would receive a 10 % discount on my first purchase and would receive an additional 5 % in coupons mailed to me afterwards. I have a credit score of over 800 and available credit of over $ 100k but was only given a {$400.00} credit limit. When I called the customer service this morning, I was told that it was a temporary credit limit and I would know my true limit after XX/XX/22. This was not stated when I agreed to apply for the card. This was complete deception! I have no need of another credit card but was enticed into applying but the promise of discount of over {$200.00}. This company is intentionally giving a low " temporary '' limit in order to keep their " first purchase only of 10 % '' low. Complete fraud!

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