BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
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 found out in the earlier part of last year that I was accepted in XXXX XXXX so I started reviewing my credit report to make sure there were no disparities so that I could qualify for student loans that upcoming fall quarter and I discovered an student loan from XXXX was reporting a balance of {$3900.00} ( as of XX/XX/2020 {$3900.00} was written off and {$1000.00} was past due ). First I contact the company that was originally listed with XXXX on the Experian report and they were called XXXX XXXX. XXXX XXXX informed me that they no longer had the account and that it had gone back to XXXX. I contacted XXXX right after the phone call and XXXX informed that there was no debt associated with my name or social security number after sending me to numerous departments. So I went ahead and filed a dispute with Experian and let them know the information I was given. I began law school and started accessing my credit reports again and the account was still on there so I filed another dispute in the months of XXXX, XXXX and XXXX. To no avail the account remained and Experian reported the debt was valid. I continued to file disputes in XXXX and called XXXX an additional 2 more time and was told every time that there was not debt for the amount listed on the credit report associated with my social security number. All of this information was once again sent to Experian and the results of their dispute remained for the months of XXXX, XXXX, XXXX and XX/XX/2020. As of XXXX Experian started not only reporting the possible debt as a charge off it is also reporting it as being late. This account has led me to becoming so depressed I do not see a way out. As of know I will not qualify to go back to school next Fall because I will not qualify for student loans due to this negative mark on my credit report. I am distraught because I have work so hard to get to this point in my life. If I do get to finish law school eventually I will be the first attorney in 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 2023-11-10
Company: EQUIFAX, INC.
State: TN
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:
Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX XXXX XXXX has placed an Inquiry on my credit. I have disputed this inquiry with the XXXX, XXXX and equifax credit agengies but it has came back as verified on only on equifax. All other credit agencies such as XXXX and XXXX has deleted as they should have. this is fraudlent activity. I've requested that the creditor send me the original contract to prove this inquiry to be mine. the creditor has stated they do not have this information and because they have no records of this being done. If they do not have this information then why is this being reported on my credit? this is fraud and will need to be removed. Equifax has refused to delete. as of this morning they claim it has came back as verified. I filed a complaint with CFPB and XXXX XXXX XXXX responded verifiying that they do not have proof this ever existed. I will be attaching their response as well. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute and remove late payments on 2 accounts that are not accurate since XX/XX/2021. Since none of the bureaus responded to me within the 30-45 days they're allotted, I sent a 2nd dispute to them on XX/XX/2021. I'm still waiting, well over the 45 days ; today is XX/XX/2021. This is not okay for a company to completely ignore a consumer the way the bureaus have ignored 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 explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to dispute certain information in my file which I believe is possibly Identitytheft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 
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 2023-02-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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:
We submitted disputes with all XXXX credit bureaus for a collection account XXXX funding that was not responding and double reported the debt for XXXX XXXX. XXXX  XXXX XXXX was paid off but XXXX funding is still showing a balance even after our disputes began XXXX. 

The bureaus stated that they verified the information ...? how is this possible when the company hasn't verified with us the debtor. 

Please help us get this resolved. Attached is the letters we sent XX/XX/21

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 2021-12-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : ( XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXXt account # XXXX with XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 a. states i have a 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.

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 2021-05-20
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that 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 explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that 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 explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 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 U.S.C 1681. ACCT Name XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: COLLECTECH DIVERSIFIED, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX ( XXXX XXXX XXXX This is a very urgent message our office is made several attempts to contact you we are awaiting your return call today this is in reference to a matter that was issued with our processing department for final recommendation please call the office back immediately so that you may speak with a live representative who is handling your file thank you and have a great day I called them they could validate the debt and told me that they would take legal matters to sue me and that could garnished my wages. They said a loan I took out 2010 I wasnt in the states while in military. So this a complaint they also called from several with same messages.

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 2023-08-16
Company: EQUIFAX, INC.
State: MI
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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with COMENITY and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
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: Account information incorrect

Complaint:
I have disputed the incorrect information concerning a bankruptcy. They took it off then put it back on my report. The credit reporting is obligated to report the right information. Their old address that I have never live at and past debt obligation that no longer exist. Please report accurate data

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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE TRANSUNION MY PERMISSION TO FURNISH THIS INFORMATION ONTO MY CONSUMER REPORT. THIS IS A SERIOUS VIOLATION PURSUANT TO CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS A BREACH OF MY PRIVACY RIGHTS.

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 2023-11-16
Company: EQUIFAX, INC.
State: KY
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 am consumer. I am XXXX XXXX XXXX, SSN # XXXX. This written by me and not a third party or law firm. Equifax is obligated by FCRA to report accurate accounting consumer has advised all reporting is still inaccurate and missing data. I requested Equifax send METHOD of VERIFICATION in 15 days three times. I have not received it. Equifax has continued to violate my consumer protected rights. I am NOT requesting a reinvestigation and I am NOT requesting e-oscar report. According to LAW Equifax had 15 days to provide the documentation used to verify my disputes. Equifax must provide me with the name of the person spoken to, documentation used, consumer signed wet ink signature written. If Equifax does not have documentation to show there were in fact accurate it must removed ASAP. Consumer is seeking monetary damages according to FCRA 15 USC 1681o, Civil liability for negligent noncompliance and 15 USC 1681n civil liability for willful noncompliance violations {$10000.00}. Equifax commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX will be filing form 211 treasury omb form to audit consumer account. Equifax is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 of my many written requests, the unverified accounts listed below continue to report on my credit file, I am still dissappointed as I found out that there are still accounts on my file that seems to be an error that needs to be corrected. Kindly investigate the following inaccurate accounts below that seems do not belongs to me. Kindly follow the law so that this matter can be resolve immediately. The following accounts below are inaccurate that are needs to be corrected : XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$210.00}.

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 non-monetary relief
Consumer complaint received 2023-08-16
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: Personal information incorrect

Complaint:
In XX/XX/XXXX I filed a petition in XXXX XXXX Florida for Florida Name Change. The Judge granted the name change and I followed the steps to update my Social Security Card and my Florida Drivers License. I spent time faxing and mailing the documents to all three major Credit Bureaus, Experian, XXXX XXXX, amd XXXX. I also contacted my creditors including my Bank, Credit Card Companies, Utilities, Hospital wth my documents pertaining to my Florida Name Change. Everything was good. 

XXXX XXXX pandemic I pulled my Credit Report and Experian was the only company that did not change my name. I gathered all of the documents and mailed them to XXXX Texas again. I have tried a dozen phone numbers since XXXX to speak to a live agent with no success until 4 days ago. Experian must have transferred me to 5 different agents in a period of 5 hours on the phone being placed on holds in 20 minute intervals. The first lady I spoked with cliamed that she found my documents and proceeded to transfer me over to XXXX online portal to change my name. After explaining this situation over and over I was told that I was speaking to the fraud department and would be transferred again. 

I was excited to see that this would be taken care of after almost 4 years. Then 5 days ago on Friday I recieved an email claiming that they needed more documents. I don't want to send more documents every other week that cost money and my time and my effort when I risk the company having no success at doing their job.This is important and they seem to not care. 

XXXX XXXX and XXXX began reporting my new name immediately. 

Monday I spoke to another agent about the email response and he wasn't very nice and asked me to upload the documents to Experian.com/upload. I have tried the last 3 days with no success. The Website does not except the required pdf or Tiff files. Its a constant error message that pushed me to spend a few hours resetting my Computer and using other browsers. Complete failure. 

I just want my new name changed on my credit report. I don't want to have to keep sending documents every other week. They were mailed to them twice. It has been almost 4 years. 

Please help?

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