BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was told my account was past due with XXXX. I called when I got my first letter from nelnet and over the phone on XX/XX/XXXX made my account current And set up automatic payments going forward. 

XXXX failed to process both my initial payment and my automatic payments and never notified me that it remained delinquent. After a month they transferred my loan without giving me notice. 

When I called XXXX they had difficulty finding the XXXX in payments I made despite my having the verification codes of these payments and proof theyd been deducted from my bank account. 

My account remains in default- hurting my credit. They want me to pay all over again but I dont feel comfortable sending more money to a company that cant find the first money I sent. It was never returned to my account. When I asked why it never processed they said some payments could take months to process. How can an account be marked past due when their payment process is the reason a payment is late. I now have additional interest on this loan and my score keeps going down. I made these payments in XXXX. They transferred my loan end of XXXX. They said the new loan company should have my XXXX payment. I called and they do not. Nor do they have any indication that it will be coming. Im currently fighting with my bank to get the payment marked fraudulent so I can get the money back and make my loans current. XXXX refuses to refund me or provide a receipt on their end that that money was transferred to the new loan holder. 

XXXX needs to fix my credit score And refund me the interest and original payments at Minimum.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am submitting a complaint regarding incorrect negative information on my TransUnion credit report. Despite multiple disputes, TransUnion continues to report a bankruptcy filing from XX/XX/XXXX, reference number XXXX that does not belong to me. 

This false bankruptcy information is severely impacting my credit score and ability to obtain credit. I have contacted TransUnion multiple times to dispute this incorrect information, most recently on XX/XX/XXXX, but they have failed to adequately investigate and remove it from my report. 

TransUnion claims they verified this bankruptcy information with their subsidiary XXXX. They also stated that it was verified with XXXX. However, when I contacted XXXX and XXXX directly, they stated they had no bankruptcy records for me at all. Additionally, the court of Maryland confirmed they do not report bankruptcies to credit bureaus. I have also attached a letter that I received from the United States Bankruptcy Court District Court of Maryland. It CLEARLY states that bankruptcies are not reported to the credit bureaus. Also, PACER does not report to the credit bureaus either. I have ALSO attached a screenshot DIRECTLY FROM THEIR WEBSITE stating that. 

I have provided TransUnion with all relevant information to prove this bankruptcy filing is fraudulent, including my full legal name, SSN, current and previous addresses, and statements that I have never filed for bankruptcy. However, they refuse to remove this damaging information from my credit file.

I am prepared to take legal action if necessary. I am requesting that the CFPB assist me in getting TransUnion to properly investigate this bankruptcy listing and permanently delete it from my credit report and any other necessary remedies to restore my credit score from this false information they are reporting.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$19000.00}, XXXX XXXX XXXX XXXX XXXX {$4700.00},, XXXXXXXX XXXX XXXX XXXX {$7300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$14000.00},, XXXX XXXX XXXX XXXX XXXX {$3300.00}, XXXXXXXX XXXX XXXX XXXXXXXX {$110000.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I received a copy of my credit report and noticed some hard inquires that I don't recognize XXXX XXXX XXXX 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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$16000.00}.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: LA
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: MO
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:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Some accounts are duplicated and closed. Yet they are still being furnished on my account. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and inaccurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$300.00} DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX Balance {$0.00} BANKRUPTCY XXXX XXXXXXXX Reference Number XXXX Filing Date XX/XX/XXXX BANKRUPTCY XXXX  XXXX-DISMISSED Reference Number XXXX Filing Date XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$3000.00}

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 2023-11-09
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Our checking account with pnc bank was hacked and money was taken out in amount of $ XXXX to $ XXXX and they had our social security numbers and address and phone numbers police report was filed on this to where we live pnc had copys of this information to know I didnt make this up and they just closed our account with them made us feel like we did something wrong wouldnt even listen to our end sent us to collections so now they are included on our XXXX XXXX  bkt we are in process of filing they have said negative things on our banking history trying to prevent me from opening another somewhere else I need that information deleted from my banking history report and marked correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
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 submitted information regarding my identity theft, Ive also request a block on my credit report XXXX have refused to do it. I also disputed fraudulent accounts on my report and if they came back as verified I ask for them to send the information they use to verify that it is accurate they also have not done that. Im asking for them to remove the fraudulent accounts 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
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2019-01-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am having an issue that I can not seem to have resolved and have been trying to speak with a supervisor at Wells Fargo, but have been leaving messages with no return calls. On XX/XX/18, I contracted XXXX XXXX with XXXX XXXX XXXX to provide floral services for my wedding, which was supposed to be on XX/XX/18. I sent her {$390.00} on XX/XX/18. On XX/XX/18, my then fianc and I had to change the date of our wedding due to a financial emergency. We changed it to XX/XX/2018, but decided we would go on and get married, which we did on XX/XX/2018. I informed XXXX about the change and she agreed with the date change ( I have included all correspondence in regards to this ). Sadly on XX/XX/2018, my husband had a massive XXXX XXXX and passed away. While I was grieving and making funeral arrangements, I had an associate reach out to her in regards to refunding the deposit of {$390.00}, she agreed. My associate contacted her on XX/XX/2018 and she stated that she would see how much the deposit was and contact her back. This was the last we heard from her. I have sent emails and messages, with no response and decided to contact Wells Fargo to retrieve my money. I was told on XX/XX/2018, that I would not be able to dispute it because of the time that has passed. While I am very aware this transaction took place in XXXX, I did not expect my husband to pass away. I called back multiple times since then to try to appeal the decision based on the circumstances and was escalated to a manager, no one has contacted me back. I am very upset with the lack of empathy and poor customer service I have received in regards to this incident. I would not need to dispute this if the merchant would have gotten back with me, nor if my husband had not unexpectedly passed away. I would like some sort of resolution regarding this because up until now, I have not had any issues with Wells Fargo bank.

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 monetary relief
Consumer complaint received 2019-03-31
Company: PDQ Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2013 a collection agency called PDQ SERVICES Inc made an attempt to collect XXXX dollars from which i do not owe so now they have put it on 2 of my credit agency reports which is damaging my credit ( XXXX & XXXX.The original creditor XXXX XXXX XXXX XXXX. 

Also this makes it hard to get into an apartment or home rental. 

PDQ SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2022-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Was approved for a loan on : XX/XX/XXXX1 Application Number XXXX ( was approved ) Loan was refunded in full, as I left the school and decided not to attend. 

On XX/XX/XXXX I received notice from Transunion that my credit was pulled from XXXX XXXX which was not authorized. 

I have left XXXX XXXX 's, sent XXXX emails and tried their chat feature on website and nobody responds or gets back to me.

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 2019-01-02
Company: Clark County Collection Service
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CLARK COUNTY COLLECTION is reporting that I owed XXXX  {$1400.00} on account number # XXXX as of XX/XX/2014. This is not my debt, yet this collection agent keeps reporting the debt when I dispute it. This debt collector has ignored several letters in which I have asked for information on this account, such as the service address and the full name and social security number on the account in order that I can verify if identity theft has even occurred, or if there is some error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been following up with Equifax via internet and over the phone after my lender was unable to pull my report. I am also unable to pull my report, and they are asking me to verify various pieces, which I am able to provide most or all details related to some situations that are from 2002. Despite this they are wanting me to send in my social security card with my driver 's license before they will verify what the issue is ( address, matching name, etc ). I escalated, explaining this could potentially cause me to lose a home, current the only workable home, since this report is a required part of the process. My lender has my other two reports, XXXX and XXXX, and did not have any issues pulling them. I am not comfortable sending this documentation, especially since they will not tell me the reason why. Please advise how I can get a copy of my credit report to forward to my lender, so I can make an offer on this home. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my consumer rights 15 USC 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy

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 2021-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: IL
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 recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Company response to consumer: Closed with explanation