BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: Nelnet, Inc.
State: AL
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:
In response to your response of XX/XX/2022 Student loans can not appear on my credit report when it is in violation of federal law. 
In your contract not only is there an error in the name which is grounds for deletion but section C, Item 13D, in the contract states it must be Permitted by law and federal does allow you to violate my privacy as a consumer which is a violation ( 15 U.S.C 1681a ). You are infringing on my privacy. 
You also did not loan me anything, it was a consumer credit extension, You do not have the authority to create or loan out credit. This means there was not a meeting of the minds through lack of FULL DISCLOSURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Home Loan Center, Inc.
State: GA
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:
On XX/XX/XXXX, I submitted basic personal information and income on XXXX for the purposes of refinancing an auto loan. 

During the process, the online service asked me for the last 4 digits of my SSN. Also, it stated this was not a hard pull of your credit and wouldn't affect your score. 

Since submitting my information XXXX  ( loan service provided affiliated with XXXX ) has sent my information to banks and they are hard pulling my credit. 

I have called the banks which directed be to contact XXXX which in turn directed me to contact XXXX XXXX. They admitted that it says that in the process but in the T & Cs, it says they sell the information to external vendors who with basic personal information and the last 4 digits of my SSN, retrieve my full SSN and start applying on my behalf. 

This is completely deceptive practices and adversely effected my credit. I am hoping the CFPB can step in and resolve this terrible practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has re-inserted a chapter XXXX Bankruptcy and Chapter XXXX Bankruptcy on my credit file. I have previously disputed a chapter XXXX Bankruptcy and it was removed in XX/XX/2017 and then re-inserted in XX/XX/2017 along with a chapter XXXX Bankruptcy. Equifax is reporting they received this information from XXXX which is not true. I have my XXXX report dated XX/XX/2017 and their is no Public Record on my risk view report. This information is inaccurate and is stopping me from getting a mortgage loan. I have requested validation with my original signature on documents but Equifax has failed to provide me. These XXXX items needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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:
There is a collection account on my credit report for XXXX that was resolved in 2019 and I have asked XXXX to remove it and it was not removed. I sent a complaint to XXXX, XXXX and Equifax to have it removed and all they keeping saying is the debt is being reported correctly, it is not. This debt was resolved and Cancelled by XXXX and needs to be Removed from my credit report. Attached is the cancellation of debt from XXXX showing this debt was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I contacted XXXX as AArgon Agency INC, account number XXXX for XXXX XXXX and XXXX. XXXX after a month later stated that the reporting was verified. However, My Bankruptcy was file prior to AArgon reporting on my credit. XXXX was contacted that I filed XXXX  XXXX bankruptcy  in XX/XX/XXXX, XXXX from AArgon, stated that it was turned over to collection by XXXX XXXX and XXXX in XXXX of XXXX, however, I filed bankruptcy on XX/XX/XXXX. 

I am currently still in an open Bankruptcy  ; my attorney is XXXX XXXX out of TN XXXX my Trustee is XXXX XXXX, filing number is XXXX and all of this information was provided to both AArgon and XXXX. I was not provided a date as to when AArgon Collection INC would be removed from my credit.

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 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 Complaint Department TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have I have incorrect information on my credit report. my identity was stolen and somebody open credit card on my name at XXXX XXXX XXXX  I dispute on the attached copy of the police report, FTC identity theft report, court record, CFPB - Consumer Financial Protection Bureau complane, State of California Department of Justice complane. 
I am requesting that the item be removed the address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Never lived there ) and phone numbers ( XXXX ) XXXX XXXX and ( XXXX ) XXXX its not my phone numbers! 

to correct the information. 
Enclosed are copies of my real address supporting my position. Please reinvestigate this. i attached copy of police and federal trade commission report!!! 
matter and delete the disputed item as soon as possible.

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 2023-04-06
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: Information is missing that should be on the report

Complaint:
I have been diligently trying to rebuild my credit since XXXX ... I have disputed / reported many discrepancies & have successfully removed a lot of them ... however, there are presently 2 items within the 3 credit bureaus that are inconsistent ; a collection is removed by both XXXX XXXX XXXX, but it is still on Transunion ... a medical collection is removed by XXXX / Transunion but still appears on XXXX... finally, my length of credit history is inconsistent for all of them ; Transunion is the only bureau that recognizes that I had a Dept. of Education loan that closed back in XXXX, yet all 3 bureaus insist my score age is only XXXX XXXX  old. I had messaged XXXX prior to this complaint, and was told by an employee " I dont have access to your Transunion account '' to which I was astonished by. I have a Fair rating as of XX/XX/XXXX and feel these inconstancies are preventing my score from being Good to Very Good. 

As previously mentioned, I think as an individual I've done all I can with trying to resolve said issues with the 3 individual agencies and the CFPB. I think now would be the time it'd be worthwhile to seek professional advice / action.

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 2018-08-30
Company: Experian Information Solutions Inc.
State: NJ
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:
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that  neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. When calling the company at XXXX I was transferred to a customer service rep by the name of XXXX and then sent to a rep in " Funding '' by the name of XXXX who then provided me with the Risk department at XXXX. I spoke with XXXX and explained to him my issue and that I have not applied for credit with XXXX. He then informed me that it was for my XXXX XXXX XXXX In which I bought from XXXX and not XXXX. I have had my vehicle since XXXX so I am not understanding why XXXX ran my credit on XX/XX/XXXX. I explained that I wanted to know the process and documentation to have inquiry removed as I did not fill out any application with XXXX or their entities at all. XXXX informed me that he would give me the number for the department who handles inquiries and placed me on hold for about 5 minutes. He then came back on the line and informed me that he doesn't have the number for that department because they change their numbers a lot. I have sent them 2 certified letters to their address, addressing the inquiry and asking that he be removed from ALL 3 Credit Bureaus and they have failed to answer my complaints with the 30 days timeframe per the laws. I have tracking numbers for the certified slips that i would gladly provide for this complain if needed. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider : XXXX XXXX XXXX Not Proven Compliant Account : Inquiry from date XX/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 explanation
Consumer complaint received 2021-11-12
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was applying for a refinance on my home in XX/XX/XXXX. During the process, I was alerted that a collection item for {$60.00} had shown up on my XXXX and XXXX credit report. The collection was tied to a agency named Transworld Systems and was apparently from a utility account with XXXX from XX/XX/XXXX. 

I am alleging that Transworld Systems did not provide me with notice prior to reporting it to the credit bureau. When i contacted them, they said they sent a letter on XX/XX/XXXX, but i never recieved it. Then they reported it exactly on XX/XX/XXXX without even giving me a phone call to alert me or ensuring I had recieved the written notice. 


XXXX has already deleted the information because it was inaccurate. However, Transworld is continuing to say it is verified and accurate to XXXX -- despite the fact that it is a disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Was not notified of investigation status or results

Complaint:
Letters were sent on XXXX and on XX/XX/24 disputing several items on my credit report accounts and inquiries. I have not heard back from any of the credit bureaus regarding the dispute process. XXXX did send a letter stalling the process basically congratulating me on taking steps on repairing my credit.

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 2022-10-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 hope this message finds you in good health. I am writing to express my extreme frustration and dissatisfaction regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my account with XXXX and Transunion credit bureaus. Despite my multiple requests for assistance, these unauthorized charges and items continue to plague my account, causing significant distress and financial hardship. 
I have made numerous attempts to address and rectify the presence of fraudulent items on my account, including : Despite these persistent efforts, the fraudulent items remain on my account, and my concerns have not been adequately addressed. 

As a result of these ongoing issues, I have incurred unauthorized charges and fraudulent items on my account, which have caused both financial and emotional distress. Some of the specific fraudulent charges and items include : I am formally requesting the following actions to be taken with immediate effect : A comprehensive investigation into the origin and persistence of fraudulent items on my account. 
An explanation for the continued occurrence of these issues and a concrete plan for the complete removal of all fraudulent items. 
The full reversal of unauthorized charges and the removal of all fraudulent items from my account. 
Implementation of robust security measures to prevent further fraudulent activity on my account. 
A written response outlining the specific steps you will take to resolve this matter within 15 days of receiving this complaint letter. 
Failure to address these concerns and provide a satisfactory resolution within the stipulated time frame will compel me to escalate this matter to higher authorities, including regulatory agencies and legal channels. Kindly help me remove the following fraudulent items : XXXX XXXX XXXX XXXX, AR XXXX XXXX WE XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$680.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXX/XX/2022.

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 2022-12-02
Company: Experian Information Solutions 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:
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about the accuracy and the reported payment history on account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00}

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Venmo Someone opened a fraudulent account with XXXX and used my venmo debit card to charge {$1200.00}, I contacted XXXX  and they came to the conclusion that this was a fraud account and they closed the account said there would be no charges I submitted a dispute with venmo and they refused to accept the fact that it was a fraud account and they denied my claim of fraud, they charged me the {$1200.00}

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 2022-12-02
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: Personal information incorrect

Complaint:
Date : XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXXXX/XX/XXXXXXXX, Florida XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/XXXX My only employer is XXXXXX/XX/XXXXI do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the XXXXXX/XX/XXXX and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: CATHAY BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received credit alert from XXXX for attempted installment loan inquiry by Cathay BankXXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX twice. I contacted to Cathay bank for stop inquiring the loan because I have not apply them. Cathay bank did not respond my e-mail for a month and didn't do anything. I have to place a lock my credit to XXXX by myself. Finally, agent from Cathay bank called me to identify me. It seems like another individual was trying to get a loan by using my false Id. Be aware of this id theft. It happend me three time already.

Company response to consumer: Closed with explanation