BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
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:
XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 
15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the XXXX Claim settlement forms for proof that it was reported and filed XXXX XXXX  th and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX  if these accounts are not deleted.

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 2022-08-06
Company: Experian Information Solutions 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 status incorrect

Complaint:
I canceled XXXX I had paid up to the to the last day and then returned all the equipment additionally I provided receipts showing that the equipment was received yet XXXX insists on taking for me an extra {$350.00} above and beyond the outrageous hordes of money we paid for them every single month. This is a billing error, and they do not do anything to satisfy this oversight. I have all of my receipts including the receipts for the returned equipment I paid in a timely manner and they are ruining my credit and causing me to get much higher interest rates and I refuse to pay them {$350.00} extra for something I never used. They feel they have a monopoly and they can do whatever they want with their clients it is they Husserl me {$350.00} for the amount of years that I had their service and the Internet never worked. But I did pay every month on time outrageously inflated charges which is a common practice for them when they have a customer for many years they keep raising the rate so I drop them and they invented the {$350.00} charge this should be illegal and I need your help thank you so much all the best 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 2023-08-01
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:
This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX. Please delete these accounts ASAP. Also, these inquiries are also fraudulent, please remove : 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 2018-02-17
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I receive a letter from XXXX XXXX about a debt they said I owed. I have no accounting of such a debt being owed to them or the original creditor. So I sent the a Debt Validation letter via Certified mail on XX/XX/2018 and was signed and delivered on XX/XX/2018. To which I never received any response and then today I go onto my credit report on XX/XX/2018 and see that they have been added to my credit files XXXX XXXX, XXXX, and XXXX. According to the law they can not report a debt that they never sent a validation for. When I received the letter I sent certified mail a validation letter which they ignored. Now by placing this debt on my credit file they are breaking Federal Law. I expect this to be removed immediately seeing as they are violating FCRA and Federal Law. 

On top of all this then when I submitted a complaint via CFPB they had the audacity to say that I must have been looking at an inquiry on my credit report and that they had NOT reported it to the credit bureaus. ( see attached ) Which very clearly they have as you can see from the attached documentation of my credit file. 

Once again I expect this to be deleted from my credit file ASAP.

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 2023-07-21
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2023-03-22
Company: EQUIFAX, INC.
State: ND
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. 

Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: JPMORGAN CHASE & CO.
State: CA
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Unifin Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This morning I was rudely woken by Unifin XXXX XXXX  I told them that after 7 years they have no right to continue to reach out to me, and the representative has the continued right and will continue to call me until it's fully resolved, they also believe that its back in XXXX, I haven't had a XXXX account since XXXX. 

Date : XXXX for XXXX  debt, but the debt is from the late XXXX, early XXXX, so the information is inaccurate. 

Amount : {$3100.00} Actions : Will continue to harrass me until satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I'm a victim of identity theft. Someone has used my information to receive 16 credit cards with my information and the credit cards are delinquent in payments and charged off, still owing a substantial amount of money. I was notified by XXXX XXXX when I went there to open a checking account that something was wrong with my credit. I never had a credit card and when I sent for my annual credit report it showed me how many credit cards were taken out with my personal information without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Nelnet, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive had two student loan, but yes are on time but have been on my report well over 10 years and Ive tried multiple times with the company and credit disputing companies to have both of these loans removed completely from my credit as the 10 year mark legally they are not allowed to continue to keep this on a credit report and as my last resort, Im filing this complaint so both of these student loan can be removed from my credit completely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: TX
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 XXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over 7 years and should be removed You can see via the attachments that it was already reporting as charged off and then XXXX updated to reflect the same and increased the balance on a charged off loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: AL
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:
THE XXXX XXXX LOAN Reported : XXXX XXXX, 2023 Is a violation of my rights A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.this account is in bankruptcy from the creditor I was only a co-signer. That account is being payed full shouldnt never reported a delinquent status on my report period it not even on the creditor report whos in bankruptcy.Also if the account status been closed with or without a balance it shouldnt report a balance higher than it was on the date closed after any closed date on any account that would mean the account never closed which makes the information 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 2023-01-06
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-31
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:
Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX  {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX Solutions {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) XXXX XXXX XXXX which i disputed 4 years ago and shouldn't be on my credit report : XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX. XXXX Now XXXX. XXXX Now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the XXXX  semester of XXXX, and Thats all. Wow. Pls look.

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 2022-02-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA. The accounts are XXXX Bank, XXXX Bank, XXXX XXXX Bank and XXXX XXXX XXXX. All accounts have been removed and reappeared at least twice!

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 2023-03-11
Company: Experian Information Solutions 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:
Experian Report Number XXXX Hello I am Submitting this without any influence and this is not a third party. I mailed in some Disputes to Experian disputing the completeness and or accuracy of the accounts in question and on XX/XX/XXXX the sent me some reinvestigation results with violations that they have committed. There were a number of accounts that were simply updated without being marked as disputed. 

Now i do know whenever there are accounts that are disputed Experian as a consumer reporting agency is supposed to conduct a reasonable investigation- 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). they failed to do so which is a violation. 

Experian has an obligation to send all relevant information regarding a dispute to every furnisher in question upon a 5 day period upon receiving disputes. they failed and violated 15 U.S.C 1681i ( a ) ( 2 ) ( a ) Experian has failed to consider all relevant information concerning the dispute. 15 U.S.C 1681i ( a ) ( 4 ) The following furnishers have violated 15 U.S.C 16812-2 ( a ) ( 3 ) by failing to mark the accounts as disputed after completing the reinvestigation. They are not allowed to furnish information to any consumer reporting agency without notice that the information has been disputed by the consumer. 

XXXX XXXX XXXX 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 attached the letter i sent Experian along with the reinvestigation results that they sent me. 

Report Number 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 2021-02-26
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi, I submitted a request to LexisNexis for my information used for my car insurance. I received a letter with instructions on accessing it. On XXXX, after trying I was unable to and per their website I tried calling and getting a live representative to help me. This was useless. Their phone tree is highly confusing and repeats the same option twice. This makes you think it isnt working. After getting past that I still encountered no option that would help me access my report. The number I called was XXXX ( XXXX ) XXXX. The whole process up to now seems to discourage and make it hard for people to access their information and definitely needs an overhaul. I did submit a request for help the same day, but again want to stress that these practices that this business is doing seems to make it pretty difficult to access my information and is taking me way more time than it should.

Company response to consumer: Closed with non-monetary relief