BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: MN
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 has filed a collection account with multiple collection agencies. Each time they have placed the alleged account with a collection agency, I have disputed it. In 3 separate cases, the disputes were removed because they can not document the claim. The most recent filing is with XXXX XXXX XXXX account # XXXX per my personal credit report. They claim the account was opened XX/XX/XXXX. This is not accurate and they have not provided any documentation of proof. The address for this agency is XXXX XXXX XXXX XXXX XXXX, Mn XXXX. Phone is XXXX. 

The alleged creditor XXXX XXXX XXXX has now submitted this for collection three other times to three other agencies. The three prior claims have all been removed. This is a deliberate effort by XXXX XXXX XXXX to ruin my credit by continuing to place the same account to multiple collection agencies. This is not a legal practice permitted under the Fair Debt and Collections Practices Act. This is intentional and prohibited. 

XXXX XXXX XXXX had breached their agreement to provide services to my home. They were advised of such. Currently Experian and XXXX XXXX are reporting this item for {$570.00}. of which I do not owe. They placed this account in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX. The first two were removed from my report after dispute. 

I am seeking damages as this practice has dropped my credit score by XXXX XXXX  and has cost me in rates for other credit I have applied for. It is also causing me issues with my current job as a 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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it 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 2023-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. same accounts but are being reported different days late for payment. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account to be removed from consumer report due to inaccuracty.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: NC
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 am a Natural Person and In accordance with the Fair Credit Reporting Act, The Accounts listed below have Violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

Bankruptcy XXXX  XXXX # XXXX XX/XX/XXXX, has violated my rights below XXXX XXXX XXXX # XXXX {$1300.00} XX/XX/XXXX, has violated my rights below XXXX XXXX  # XXXX {$1100.00} XX/XX/XXXX, has violated my rights below XXXX  XXXX XXXX XXXX # XXXX {$39000.00} XX/XX/XXXX, has violated my rights below XXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXX, has violated my rights below XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00}, has violated my rights below XXXX XXXX {$1600.00} XX/XX/XXXX, has violated my rights below XXXX XXXX XXXX  XXXX {$570.00} XX/XX/XXXX, has violated my rights below 15 U.S.C 1681 section 602 A states I have a right to privacy.

I have been denied resources needed to sustain my livelihood and publicly humiliated as well as over inflated interest rates due to reporting by these Consumer reporting agencies.

15 U.S.C 1681 section 604 A section 2 ; also states a consumer reporting agency can not furnish a account without my written instruction.

I never gave any person or consumer reporting agency written nor verbal instruction to report or furnish anything!

15 U.S.C 1681c ( a ) ( 5 ) ( a ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.

All information on these reports are reporting such.

15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) 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.

15 U.S.C 1681 ( b ) ( i ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; These accounts have been disputed and false responses were in reporting agencies responses and are inaccurate and are causing great harm to me and my family.

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 2023-07-01
Company: Experian Information Solutions Inc.
State: NY
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 eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX  Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$8400.00} ; 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 2019-07-03
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: Account information incorrect

Complaint:
Accounts are showing wrong information. I previously contacted the credit bureau. These accounts are showing the incorrect Account balances & account status. 


11 XXXX - XXXX 06 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 2023-12-03
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 information incorrect

Complaint:
XX/XX/ I submitted a dispute an account that's on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. 
XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
I have been researching and looking up my rights as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

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 2023-06-16
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i experienced financial hardship during this time I was not able to make payments on my student loan. I follow that directions listed online to call and discuss possible repayment options. I was not offered a repayment options as a result I was 60 days late on my payment. my credit has been deeply affected. My loan repayment options were not presented to me correctly at the banks discretion, I was not offered forbearance deferment extended term repayment or the rate reduction program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, INC.
State: VA
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:
An online dispute was submitted to Equifax regarding a 30 days late listed on my credit report for the month of XXXX. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. Equifax stated, after the investigation was complete, that it was reported accurate by the data furnisher. 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well, which shows that the XXXX payment was paid days early and was not 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: NY
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 have contact XXXX XXXX & credit reporting agency, Equifax to remove the fraudulent hard inquiry from my credit report dated XX/XX/XXXX. I have yet to see any changes made to my credit report as in today. I have reached out many times but yet no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Good evening I have called several times to TransUnion stating that I need to file a dispute on fraudulent inquiries that I have no knowledge of and I also explained that someone is using my social and applied to several different places also I have called the companies where the inquiries were ran and they directed me to the credit bureau I have a total of over 80 inquiries that I did not authorize and most of them are from car companies recent from 2019

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-08-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1500.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9600.00}.

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 2022-09-07
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:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuses, nd harm these 3 credit reporting agencies have done 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 2019-01-27
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: Account information incorrect

Complaint:
I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : XXXX  : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 XXXX  : 30-days late XX/XX/2017 and XX/XX/2017 TRANS UNION : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with XXXX, XXXX  and Trans Union respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s )  with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 previously submitted a letter to the TransUnion bureau requesting the removal of certain inquiries and inaccurate address from my credit file. Despite this, the inquiries and inaccurate address detailed below persist on my credit report, thereby violating Federal Law. TheTransUnion bureauhas failed to adhere to the stipulations outlined in the Fair Credit Reporting Act, specifically under 15 USC sections 1681i, within the designated time frame. The continued reporting of unconfirmed information is not in compliance with the regulations. I urge TransUnion to promptly remove these inquiries and inaccurate address entirely from 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

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