BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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:
I spoke with XXXX at Transunion on XX/XX/XXXX about a unauthorizes account that appears on my credit report, I request the following to be delete and removed off my Transunion credit report : " XXXX  " account # XXXX open on XX/XX/XXXX in the amount off {$5500.00}, " XXXX/XXXX '' account # XXXX open on XX/XX/XXXX in the amount of {$500.00}. I did not authorize any of these accounts. I am requesting that the above unauthorized account be blocked and removed immediately from my Transunion credit report due to my identity been stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
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:
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX , US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , DEPTEDXXXX    XXXX accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I have a student loan but they are not the one.. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.

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 2023-04-01
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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:
On XX/XX/2021 I sent a letter to the credit bureaus regarding my credit report concerning my consumer report. I have items that are reported on my credit report without my consent and that is a violation of privacy according to the FCRA. I have sent this letter over 30 days ago the bureaus and have yet to get a response from them and that is also a violation and I need these accounts deleted immediately. I am currently unemployed and these accounts are hindering me from finding employment and also auto insurance and from being able to access any financial resources which is very stressful for me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I got an alert from my Complete ID credit alert system which showed that my phone number is being used by someone named 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 2019-06-26
Company: Braviant Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Hi there, thank you very much for listening to my saga. I am a XXXX XXXX with XXXX XXXX  and XXXX XXXX XXXX. This event is killing me. I am not able to take my children on the vacation we had planned, it's a mess. 

Back story : I saw that {$220.00} was taken out of my account every XXXX weeks. 
XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XXXX - {$220.00} XX/XX/XXXX - {$220.00} *I will admit it took me longer to realize than it should have but I was dealing with a custody battle and extremely distracted *Much later I went through every bank statement and saw {$1200.00} was deposited into my checking account *Now I find this part odd. I actually did take out a legitimate loan with XXXX XXXX and XX/XX/XXXX was the exact day my first payment was due to them and subsequently debited from my account. 
Side Note : Why would I need a loan like this if I had just received my loan from XXXX XXXX. 

Flash forward to this past Monday, XX/XX/XXXX : - I was really at a loss as to go about remediating this issue. 
- The transactions on my bank statements are all labeled - " XXXX XXXX XXXX '' - I googled " XXXX XXXX  XXXX '' and found a phone number to call but it was incorrect incorrect # - XXXX The person who answered the phone actually gave a number correct # - XXXX - an inexperienced girl answered and finally I asked to speak with a manager, she would not let me talk with him - Finally I got manager on the phone and we spent an inordinate of time arguing back and forth but he wouldn't help me get my money back. 
- We went around and around time and time again and I finally just hung up. 

Other odd things : 1. This " loan '' does not show up as an account on my credit reports 2. Take a look at the " receipt '' I received ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-09
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an outstanding balance on my mortgage and with the XXXX  association of my home. There was an auction scheduled on my home prepared by the XXXX association for XX/XX/2023. I currently have an application with XXXX program filed a month ago thats been in expedited status and is under pre-approval. XXXX requested records information on the loan to complete and finalize processing. XXXX also reached out to the servicer to request postponing the auction due to my application was in place and steps away from being funded. The servicer has not responded yet and my home was auctioned off to a gentleman on the XXXX. The gentleman is willing to omp-out of the bid he made on my home but funds needs to be received. XXXX is only waiting on the response from the servicer with the records they requested to release the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX XXXX Department of Education sent a debt into collection because I was over paid on my FAFSA. They said I had 90 days to pay them or they would start taking money out of my pay check. The original amount of then debt says {$770.00}, however if i paid {$200.00} they would resolve the issue. I had explained due to COVID my work was slow. There response was you have 90 days. At 60 days they reported to the credit agencies as a delinquent account in collections. That same day I had contacted them explaining that was not our agreement. They said dispute it. Disputed it twice and denied both times. Both dispute dates with Experian are XX/XX/XXXX and XX/XX/XXXX. The account is reported paid/closed XX/XX/XXXX. 

It is to my Understanding that any school related debt is not suppose to be reported to the credit agencies during the pandemic. Especially when i was working with them to pay and agreed i would pay within 90 days. It is not my fault my family was struggling during all that is going on. I am asking that this please be removed from my credit report as it had a serious effect on my score. 

Reporting Agency is : US Dept. Of Education XXXX XXXX XXXX XXXX XXXX XXXX , GAXXXX XXXX Debt Opened : XX/XX/XXXX First Contacted by them : XX/XX/XXXX Reported to credit:XXXX Closed/Paid:XX/XX/XXXX Please help me to remove this from my credit score. 
Thank You for your time.

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed inaccurate information about a charged off XXXX XXXX loan with all three bureaus multiple times with no action being taken on their part. There are many discrepancies between how the charge off is being reported between all three bureaus. First is the payment history, XXXX shows a 30 day late, then an on time payment, followed by a 90 day late, and finally a charge off. Transunion has no reported payment data at all, but the account still reports as charged off. XXXX shows a 30 day late payment, no reported data, then a 90 day late payment, followed by a charge off. XXXX and XXXX have no data on when the account was closed, but Transunion shows the account was closed XX/XX/2019. XXXX shows date of last activity as XX/XX/2019, Transunion shows XX/XX/2019, and XXXX has no data on date of last activity. Transunion doesnt even show what the worst delinquency for the account was.

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 2020-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've received a call from number XXXX XXXX XXXX XXXX on Friday XX/XX/2020 by a woman who did not want to name her company but told me my full name and the last four digits of my social security number. I hung up the phone and the next day XX/XX/2020 I get a credit score notification that I owe {$1900.00} by a collection agency portfolio rc by a XXXXXXXX XXXX opened XX/XX/2020. No knowledge of any of this and I do not believe this is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However these are reporting when I have the right to these laws. And didn't authorize the them to furnish on my account. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-31
Company: EQUIFAX, INC.
State: TX
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 ( accounts- # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15U.S.C 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 then seven years. 15 U.S.C 1681s-2 n ( 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 2023-04-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 in the processing of looking for a home, and I seen there was damages made to my credit report. According to the 15 U.S.C 1681 law, there should not be any damages to my report. I didn't authorized these hard inquires, they are not in relation to my 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 non-monetary relief
Consumer complaint received 2023-07-31
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:
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
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:
I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) was included in the bankruptcy. 

I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. 

Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to Experian ( $ XXXX/mo ), XXXX ( $ XXXX/mo ) and XXXX  ( $ XXXX/mo ) in order to investigate and dispute the matter. 

I found that XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. 

However, to date ( XX/XX/XXXX ), my credit score still has not  recovered. XXXX at the time XXXX/XXXX reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. Experian at the time XXXX/XXXX  reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX/XXXX  reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that XXXX/XXXX reported to XXXX was XX/XX/XXXX. XXXX/XXXX is still reporting and ruining my life. The current Experian report does not reveal the last date reported. XXXX 's website is having technical difficulties so I was unable to retrieve a current report. 

My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. 

I dont know where to begin to attempt to figure out how high my credit score would be if XXXX/XXXX  had not committed this error. All I know is the XXXX/XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner.

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 2021-04-18
Company: Experian Information Solutions 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:
On XX/XX/2021 I sent a letter to the credit bureaus regarding my credit report concerning my consumer report. I have items that are reported on my credit report without my consent and that is a violation of privacy according to the FCRA. I have sent this letter over 30 days ago the bureaus and have yet to get a response from them and that is also a violation and I need these accounts deleted immediately. I am currently unemployed and these accounts are hindering me from finding employment and also auto insurance and getting financial resources which is very stressful for me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief