BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is making me very angry and the fact that you are trying to get away with criminal activity makes me take your agency to the media. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Experian is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Experian also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency is also practicing aggravated identity theft as they are listing information from a company I don't have a contract with nor did I give consent to have my identity.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( 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; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed disputes with all three credit bureaus and all three credit bureaus ruled in favor of the fraudulently opened account due to data furnisher, whatever that is after I have repeatedly tried to convey to them that I have no knowledge of this account at all I did not open this account

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 2023-06-26
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was advised when I filed this initially im XXXX, That a fair and rational investigation would be done regarding a blatant and fraudulent charge for {$610.00} on my Citi bank account. Well that's not the case, as Citibank, XXXX store, and XXXX itself have all denied the claim that I filed for this charge from XXXX. I have a police report, granted the police did nothing but I still have one ... they never asked for that, they went by 3 pieces of paper from XXXX that show that I bought a XXXX XXXX XXXX phone online using my mobile wallet purchase without a pin number being used, sent the phone to a different address over an hour away from my address in XXXX to XXXX Oklahoma. This person clearly ripped me off. I do not live anywhere near XXXX in fact, you can look up the address and it's listed to a completely different person... not me. 

I would like a formal investigation to be continued, and the provisional credit reversed back into my account. No one on the phone or the fraud department will even respond to me and I'm in the negative in my account through no fault of my own.

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 2023-06-23
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: CT
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:
The three credit bureaus ( XXXX, Experian, XXXX ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : XXXX - XXXX Experian - 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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.

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 2022-06-13
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: Investigation took more than 30 days

Complaint:
on the date of XXXX i submitted a dispute to Equifax in reference to the incorrect information that was listed on my consumer report which is hindering me from advancing in my life. I am currently in the process of purchasing a home and due to the incorrect data i am unable to move forward in that process. The most stressful part of it all is that my information was included in the equifax data breach and it seems as though Equifax is unconcern about that fact. The proof shows in the fact that it is nearly 60 days from the date of my initial letter which was sent via usps certified mail which shows the date that my letter was received and thta date was well over the alloted 30 day timeframe. it also gives the impression that my right to dispute the incorrect data on my consumer report was violated. AN investigative consumer report is supposed to be completed as well as not include specific factual information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
Good evening, too whom it may concern, I checked my Transunion credit report and I noticed a lot of fraudulent hard inquiries. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. Complaint # XXXX. Please see attached. Transunion has yet to block and remove all the fraudulent hard inquiries from my Transunion credit report, and send me an updated copy of my credit report. It look like someone tried to get an auto loan under my SSN. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE CONTACTED EACH COMPANY ABOVE AND LISTED ON THIS FCT REPORT AND MADE THEM AWARE OF THE SITUATION. PLEASE REMOVE THESE FRAUDULENT HARD INQUIRES FROM MY TRANSUNION CONSUMER REPORT ASAP. THIS IS HURTING MY CREDIT SCORE AND REPUTATION. Also please place a FRAUD ALERT on 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 2021-12-22
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was given a letter in mail stating the request for entry of default judgement without hearing and due to justice court rule they now are asking for funds on an old credit card account. 
this company Gurstel Law Firm in XXXX Arizona I have dealt with them in the past and they understood I was on social security and own no assets so they dropped the case. now they are here again but the amount owed to creditor differs. I spoke to my legal aid before and they said I should not have notified them at all so that is what I did this second time. 

they send a " court person '' to serve you with papers but they literally threw the papers at me and I did not even tell them who I was. 
now I have a Request for entry of default judgement without hearing from this same company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Upstart Holdings, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My promissory note states all payments are first applied to unpaid fees, then late fees, then interest, then principal. This is late fee pyramiding and a XXXX  issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$28000.00XXXX XXXX XXXX XXXXXXXX Balance : {$28000.00}

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-06-23
Company: EQUIFAX, INC.
State: MA
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13
Company: Stellar Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see that I have a dept collection of {$340.00} from stellar Rec that was opened in  XXXX / XXXX / 17 . I DID NOT OPEN ANY ACCOUNT, THEREFORE I DO NOT OWE ANYTHING TO THIS COMPANY!!! PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a FHA mortgage loan on XX/XX/22 with PenFed credit union. The loan officer I dealt with pre approved my application awaiting a contract, I submitted a signed contract for a home on XX/XX/22, after two weeks of emails, phone calls I heard nothing until I called the direct line and found out that loan officer was no longer with the company so I was assigned another loan officer, XXXX XXXX, after submitting another application and all the documents with him I was assured all was in order and I would be approved with closing date of XX/XX/22 changed from XX/XX/22. Two days before closing I was informed by XXXX XXXX that the loan was declined due to an FHA regulation on the time the house was put up for sale so I would again have to redo the application, contract, etc. and change closing date to XX/XX/22. Was told on numerous occasions all would be approved now with the date changes. Again, two days before closing I was informed that the loan was declined for " income '' and I would receive a notice. I truly believe I was discriminated against because of age/sex. I have since applied with another mortgage company with all the same documents/information and was approved with no issues!

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 2023-06-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please correct the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00XXXX XXXX XXXX XXXX XXXX  Balance : {$300.00XXXX XXXX XXXX XXXX Balance : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NV
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 writing to dispute the following information that appears on my Equifax report from XX/XX/2023 : Inquiry from XXXX on XX/XX/2023. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/2023. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/2023. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
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:
I HAVE CONTACTED TRANSUNION ON 4 DIFFERENT OCCASIONS BY SENDING THEM CERTIFIED LETTERS TO VALIDATE AN ACCOUNT FROM XXXX XXXX AND XXXX. 

XXXX HAS NEVER RESPONDED TO ANY OF THE CERTIFIED LETTERS I SENT THEM, INSTEAD TRANSUNION KEEPS RESPONDING BY SAYING THE ACCOUNT IS VERIFIED. HOW IS IT VERIFIED WITHOUT ANY INFORMATION BEING SENT TO ME. WHAT ARE THEY VERIFYING? THIS IS AGAINST FAIR CREDIT REPORTING ACT BECAUSE YOU CAN NOT REPORT SOMETHING THAT HAS NOT BEEN VERIFIED. IN FACT, TRANSUNION HAD DELETED THE XXXX ACCOUNT WITH ACCOUNT NUMBER XXXX AND THEN PLACED IT BACK A FEW WEEKS LATER UNDER A DIFFERENT ACCOUNT NUMBER. THAT IS WRONG AND I AM GOING TO SEEK LEGAL COUNSEL IF IT IS NOT REMOVED IMMEDIATELY. 

I HAVE ALSO SENT XXXX XXXX REQUEST TO VALIDATE THE ACCOUNT ON MY CREDIT REPORT. ALL THEY DID WAS SEND ME A LETTER SAYING THIS IS MY ACCOUNT. WHERE IS SIGNED CONTRACT? TRANSUNION KEEPS VERIFYING THIS ACCOUNT WITHOUT PROVIDING ANY DOCUMENATION FROM THE CREDITOR.

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