BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Between XXXX XXXX XXXX and Trans Union credit reporting company, each company is blaming each other for the reason why my account is not reporting accurately. The funny thing is is that Trans Union claims XXXX  hasnt reported to them since XX/XX/XXXX? My car note was originally 90 days past due from losing a job and having to catch up on all of my bills come mid XX/XX/2023 I have caught up my car note completely, and have been on time since. Trans Union is showing that I am still 100 to 90 days late on my car note which is not true. And for some odd reason Trans Union updates to show that Im paid up and caught up then it seems like a couple days later it goes back to being 90 days late and deducts points off my credit first of all this late payment reflecting on my account, showing that I am late currently is affecting me from being able to move into a home. I am going to face being homeless, because neither company can get their act together and correct the problem. Trans Union is the only one who is not reporting accurately.. here I am almost mid XXXX and they still can not correct my credit. Somebody is dropping the ball. I have disputed this account more than three times and each time it comes back stating that the information is correct and accurate, but it is not correct and accurate because my account is still showing that I am past due when I am not past due. At this point in time I have been current with my car note since XX/XX/2023 I am sick and tired of dealing with this. It has been XXXX months at this point. XXXX to XXXX XXXX where XXXX going to get a lawyer involved and sue, both XXXX XXXX XXXX and Trans Union for their negligence.

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 2022-05-13
Company: EQUIFAX, 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 disputed this acct ending in XXXX 2 times for several late payments being reported for XX/XX/XXXX, XXXX, XX/XX/XXXX, and no payment listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the acct which are inaccurate. 

The 1st dispute was done online and equifax is telling me that the verified all these late payment no payments are accurate from their investigation.So 2nd dispute was done by us mail and i mail documentation that included billing information that verifies payments for the acct to equifax on XX/XX/XXXX, a month had passed and i never received any response to my dispute. 
On XX/XX/XXXX i called equifax customer support number and ask for status of my dispute, the customer service rep said there is nothing showing in their system for my dispute, i explained to her my tracking number showed it was delivered to XXXX XXXX XXXX in XXXX, XXXXShe said she would transfer me to consumer affairs once someone in that dept becomes availble, i ask her if she has ever seen this happen before, she said " yes '' .After aproximately 20 mins, i was transfer to a consumer affair rep, who did some checking and said we dont have a dispute in our system, i explained to her the post office tracking number for the letter shows it delivered on XXXX suggested i send another dispute, i told her that F.C.R.A specifies 30 days and this is already day 35.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: OH
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:
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 XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$8100.00}, XXXX XXXX XXXX Balance Owed : {$510.00}, XXXX XXXX XXXX Balance Owed : {$3100.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XX/XX/XXXX XXXX XXXX  XXXX {$620.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$900.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. 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. 

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 XXXXXX/XX/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 2020-02-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In 2014 i was a victim of identity theft and this was reported to the credit reporting agencies as well as other creditors. However, this account XXXX XXXX was removed from my report but somehow reinserted a year later without warning nor proof of their Method of Verification when it comes to this particular account. I'm demanding that the credit reporting agencies block and remove this account ( 1 ) XXXX XXXX, or provide me with signed documentation of my persons or a contract consenting to the above matter. If this request can not be met then you the credit bureaus should delete account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX 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 of 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 explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX : Is showing open and late, this account is not open it has been paid in full closed. Also, this account shows late payments this account has never been late. 

XXXX XXXX : This is account does not belong to me. this account belongs to my brother with a similar name. I've asked for this account to be removed and or proof that this account belongs to me. 

XXXX XXXX XXXX XXXX This account does not belong to me and i have asked for this account to be removed. I also asked for proof of this account belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NJ
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX. This account is not accurate. Please delete it. 
XXXXXXXX XXXX XXXX XXXXXXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX. This account is inaccurate, please delete this information. 
XXXX XXXX XXXXXXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXXXXXXBalance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 filed a FTC report on XX/XX/2021 regarding a fraudulent account popping on my credit from the creditor XXXX XXXX. I disputed it twice with XXXX, Transunion, and XXXX. The account came off on the second attempt. On XX/XX/2021, the account was re-inserted on my credit. This is a violation of the FCRA. The account was deleted because it was considered fraudulent. and then placed back on my credit. I am happy to get my legal team together and litigate XXXX XXXX for debt collection malpractice along with XXXX, XXXX, and Transunion.

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 2023-06-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXXBalance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath and I depose the following facts, so be it, now present : I, XXXX XXXX entered into a consumer credit transaction with CARMAX AUTO FINANCE on XX/XX/2018. I used my credit card as defined under 15 USC 1602 ( l ) and several of my Federally protected consumer rights were violated in the following manner, thus I would like in an act of good faith in this matter please expedite my request to resolve. None of my requests about these violations were addressed but instead the company responded to the debt collection. My focus is on the many violation that occurred while in this consumer credit transaction. 

I have sent a notarized copy of an Affadavit of truth which was not rebutted with any factual components at all. According to the truth in lending and fair credit repair act, i am entitled to a response to any federal consumer violations. This case can not be closed until you address the many violations that have occured. 

These are the following violations : 15USC 1605 ( A ) 15 USC 1605 ( C ) 15 USC 1611 ( 1 ) 15 USC 1635 ( A, B, F )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: AZ
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 filed a FTC report on XX/XX/2021 regarding a fraudulent account popping on my credit from the creditor XXXX XXXX. I disputed it twice with XXXX, XXXX, and Equifax. The account came off on the second attempt. On XX/XX/2021, the account was re-inserted on my credit. This is a violation of the FCRA. The account was deleted because it was considered fraudulent. and then placed back on my credit. I am happy to get my legal team together and litigate XXXX XXXX for debt collection malpractice along with Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-03-18
Company: EQUIFAX, 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:
To whom it may consern : This is my second written request for your company to remove items showing on my credit report and you keep ignoring my request to block such information, onder FCRA your company has to provide verifiable proof of this item or remove them from my credit, There is a public record that do not belong to my, it should be remove as well as any account link to it .As victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint. 
This complaint may serve as a proof in a court of law, as a written request to remove this items.

Company response to consumer: Closed with explanation