BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. and some wrong information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around XX/XX/2020 my " Chime Bank '' checking account, which I later learned issues their debit card thru " The XXXX XXXX XXXX  suspended my account and filed a " Suspicious Activity Report ''. Under the SAR 's Act I am unable to withdraw ANY of my funds which total approximately {$4000.00}. 

ALL of my deposited funds were ethically and legally acquired thru my small business. The account is in my legal name. The Social Security Number and Date of Birth I provided were both 100 % accurate. 

This account was approximately 6 months old at the time of suspension or closure. I am not sure which action was taken. 

For the past 9 months I have done what I was instructed to do by Chime bank employees : I faxed them a copy of my Driver 's License. a copy of my Social Security Card, Utility Bills, and an explanation of how I earned these funds. I have spoken to at least a dozen employees and none are helpful. They have no information for me. 

I learned my account was frozen when at the grocery store and attempted to use my debit card. It no longer worked. Chime never initiated communication with me, nor have they ever emailed or called me about this issue. It is almost like they are trying to just steal my money or are hoping that I will just forget about it or give up trying to have what is legally mine. Well, I am a single woman with no job and a small XXXX based business which has suffered greatly because of the pandemic. I am also in very poor health and need access to my {$4300.00} immediately as I am about to be XXXX  since I can not pay my rent. 

I am demanding that Chime Bank or XXXX XXXX XXXX  or whoever has my money to issue me a check for the full amount immediately. 

Thank You CFPB. Your help in this matter is greatly appreciated. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please remove this fraud inquiries off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Leased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It had the option to buy the vehicle at the end of the 3 year lease. Which is exactly what I did. I was told that their financial company XXXX XXXX XXXX XXXX XXXX would report my payments to All 3 credit reporting companies. But they have NOT reported any of my payments since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I made my last payment paying off the vehicle. I have the receipts for ALL of my payments. I want them to show my payment history on my credit reports to raise my credit score.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
These items are not only incorrect but are also causing significant financial and emotional distress due to their derogatory nature. I request your prompt attention to complete a thorough investigation within the mandated thirty-day timeframe, as per my understanding of the law. The timely resolution of this matter is crucial to alleviate the distress caused by the inaccurate reporting. I appreciate your cooperation and look forward to your response. The items in question have already been removed by other credit bureaus and are detailed belowXXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX are being reported negatively on my credit file and should not be. These are fraud charges and accounts and have been notified of such multipole times now. 
these accounts do not belong to me.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I tried to edposit a check on XX/XX/XXXX, but after a while ( XX/XX/XXXX ) the bank said it was returned. The return reason was : Refer to maker. In the same day I called the check issuer, Citizens Bank, to check what happened, but they said they could not provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I admit I was late 4x in 2023 they have me late 5x and my balance of {$660.00} was fully paid on XX/XX/2023 the card is locked they won't let me reuse it but they still want to report to my credit bureau I wrote to them on email that I don't want there services to close my account and stop reporting mis I formation to my credit report agency they don't respond..and other issue is they are reporting a duplicate account of the same but instead of a {$0.00} balance again they claim a balance of {$660.00} and are marking me late again I only had 1 account with them and I paid it all. now instead of me having 4 latest I'm being reported wrong Information 5 latest on 1 account t and 6 latest on the other account its hurting my credit and credit report they have no active number only XXXX they don't have representatives only to write emails I have no issue with XXXX XXXX XXXX its just transunion and they have verified that XXXX  is reporting 2x that a fraud account if that's tru and I should have the right to officially close that account which I have requested and they don't want to honor also the account that has a XXXX balance states my last payment was XX/XX/2023 that's also wrong my last full payment to bring balance to XXXX was done on XX/XX/2023 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 2022-09-08
Company: Experian Information Solutions Inc.
State: WI
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 attached proof to show that this account is negatively affecting my experian credit report and that it was legally supposed to be removed on XXXX of XXXX. That would be 7 years after the first late payment. In the last dispute, they changed the account to show current but that it was discharged from bankruptcy. This is wrong as I have the documents showing the account was charged off and the last good payment was XXXX of XXXX. After 7 years, this is to be removed via the federal government consumer laws. This was correctly removed on time from the two other credit agencies. Please correct before legal 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 explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: GA
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 formally dispute and register a complaint regarding the repeated inclusion of inaccurate addresses and collections on my credit report. These inaccuracies have caused me significant distress and have adversely affected my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several instances where incorrect addresses have been associated with my credit report, as well as collections that I believe have been inaccurately reported. These discrepancies have not only been a source of frustration but have also hindered my ability to access credit and secure favorable financial terms. I would like to emphasize that I have never resided at the addresses in question, nor do I have any knowledge of the collections listed on my credit report. These inaccuracies are causing unwarranted harm to my creditworthiness, and I am committed to ensuring that my credit report accurately reflects my financial history. I kindly request that you conduct a thorough investigation into these discrepancies as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy of the addresses listed on my credit report and promptly remove any addresses that are not associated with me. Investigate the collections listed on my credit report and verify their legitimacy. If any of these collections are found to be inaccurately reported or not mine, please remove them immediately. I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to correct these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me. Please assist me to delete these following inaccurate addresses and collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-16
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Back in XXXX American Car center went bankrupt they did not give me any notice of this i found out off of XXXX i also found out who took over my loan westlake from XXXX i was never communicated what was going on until after i made calls myself i owe {$1200.00} on my car back in XXXX i gets a email stating that i have to pay a extea {$3900.00} to get my title that i did not know i had to do American car center at the time i purchased in 2019 never told me that im leasing and at the end i have to pay this money so i called westlake and asked if i can pay monthly the extra {$3900.00} they denied me said i had to refinance with a bank or they were coming to take the car they have been taking cars and not helping i feel like they are trying to pay off american car centers debt the car is not even on my credit report anymore i feel like this is unfair to people that have been paying they should get extra time being of this circumstance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I contacted XXXX XXXX mortgage about a hardship we were experiencing. I was told to fill out an application and send it in. I quickly got an email right away to fill out the forms. I contacted them the next day to have them explain what the forms were for and how it worked. I was told that once the application was accepted, we would not be at risk for foreclosure, late fees, or being reported to the credit bureaus. I asked for something in writing at that time and was told it would come in the mail in the documents I received once our application was complete. When I received the letter in the mail saying the application was complete there was nothing in there about late fees or credit reporting, only about the foreclosure. 
After my application was fully turned in and complete I contacted the loss mitigation department. I called on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was trying to get verification in writing that the account would not be reported and I talked to a few people who assured me it would not, one person was going to send me an email with the information but our call was cut off and when I called back the next person said that it was not guaranteed not to be reported but could not give me a definite answer on the negative either. I asked for something in writing stating it would be reported and was unable to get that either. I eventually got someone who stated that it will likely get reported and I explained the situation. She told me that due to the information I was given that if it did end up getting reported to contact the research department to have them adjust and correct it so that it does not report. 
In late XXXX is when I noticed that it had reported to the credit bureaus and contacted the research department only to be told that they would not change it because at least one person told me that it might be reported they were going to keep it as is. We entered into a forbearance as of XX/XX/XXXX and so I contacted them again once that was official and stated again, that we were now in a forbearance from the application that was deemed complete as of XX/XX/XXXX, prior to any late payment, and we would like the adjustment made. They explained that it would not be adjusted as the forbearance was only from 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 non-monetary relief
Consumer complaint received 2023-09-09
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:
15 USC 1681A2 I did not give written permission to have those accounts furnished on my credit report. This account reported negatively on my consumer report is in fact violating my rights on both the federal and state level but, has tarnished my creditworthiness.

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