BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: MO
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. 
XXXX XXXX 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 an account without my written instructions. And delete, this address never lived here XXXX XXXX XXXX, XXXX   XXXX, MO XXXX never gave this company written consent to add anything on my credit report. Please remove and delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
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 is missing that should be on the report

Complaint:
I have legally changed my first name. Equifax keeps getting my new name wrong, despite me submitting multiple forms of ID multiple times. My name is wrong both on my XXXX account and on my credit report. 

Ever since my name change, active financial accounts of mine have been getting flagged as closed or no longer report info. My active mortgage has been flagged as " closed '' and my XXXX XXXX XXXX  credit card account is completely missing. 

In addition, when I try to signup for multi-bureau monitoring services such as at XXXX, they return an error that my personal info does not match Equifax records. This blocks me from using other credit monitoring services. 

I am worried that I am in Equifax records as two separate people. I need all my info merged so my credit score is accurate. 

I put in disputes on XXXX and followed up with Customer Support on XX/XX/10. The support agent said they filed a ticket and I would be contacted with a followup. There has been no followup and Customer Support has ignored my requests for a ticket number and status. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Orions Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never heard of Orions Management Company or XXXX. The address reported, I have also never lived at. Orions Management Company never contacted me about this alleged debt before placing on my credit report. 

I have never signed any contract with Orions Management Group, so how are also late payments being reported? Please show me a bill or service for {$2100.00}. How can I make payment on a debt I don't even know exists? I have a collection now with multiple late payments. Please have this deleted as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: PA
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:
Despite multiple written requests, the ITEMS listed below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Experian Information Solutions Inc.
State: GA
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:
My XXXX XXXX journey was in arrears by I think it was around {$1700.00}. A tow truck did come and pick up the car. However, we paid the full amount and received the car back. The car was never repossessed. Ally financial initiated the process, but never went through because we paid the arrears. Now, the car is being reported on my credit report every month, and it showing that I have made absolutely no payments for the year of XXXX. I have tried to fix this with the company to no avail. We still have the car and have been making on time payments since we have received the car back. I have argued with everyone and no one well help me. The balance reported on my credit report is wrong, we have the car and have attached a picture of the balance owed, and that we have the car. I also attached a picture of paying the {$1700.00} to redeem the vehichle.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )  Account # XXXX has violated my rights. 
1 5 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 1 5 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 2023-07-11
Company: Experian Information Solutions Inc.
State: MA
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX, financed by Wells Fargo. From XXXX XX/XX/XXXX I made timely payments even though I was laid off due to Pandemic related cutbacks. I was only late a few times due to layoff. I contacted Wells Fargo after I used all my savings and retirement and still unable to obtain employment due to significant competition and my age. I asked Wells Fargo to help me given the unique circumstances but all I was told is that I need to make the approx XXXX payments or face repossession. I managed to find some aid but the assistance was one payment. In XX/XX/XXXX I called Wells Fargo to inform them I was beginning to receive contracts jobs and would pay what I could. I pleaded with them to work with me and reduce the loan interest percentage but I was denied. I only owed XXXX on the loan, the car had low milage and in excellent condition. The car book value was XXXX so I had equity. I contacted Wells Fargo in early XXXX pleading with them that repossessing the car would be detrimental to my ability to continue contracting and seeking fill time employment. I live in a rural area and live alone. I asked to speak with management but still was told there was nothing they could do. I received multiple letters stating Wells Fargo does not want to repo my car and wants to work with me to keep me in the automobile. I called but received the same BS. I came across the law suits and having gone through a repossession many red flags were raised. The car was picked up mid XXXX and still have not receives any documents regarding if it has been auctioned. I have missed numerous jobs and my credit is shot all because of the friggen pandemic and the difficulties of finding a job. I even applied several time at Wells Fargo but never considered.

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 2020-12-20
Company: EQUIFAX, INC.
State: NC
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 utilize XXXX to stay updated with my credit score. Recently two reports have been listed in my equifax and transunion reports, the reports are from " medical bills ''. One dates back to XX/XX/XXXX and I was unaware of the bill until it became a " collections '' derogatory mark in my credit report XX/XX/XXXX. The other I have reported and requested removed. I've requested for information ( statements / proof of bills from these collection agencies ) from both equifax and XXXX which have not been provided. These companies continue to display negative information without " proof '', that is false. Wouldn't this be considered a " hipaa violation '' if my medical bills, or an itemized statement has been submitted to them without my consent for review? These two agencies have ignored my request to remove derogatory false information from my credit report. XXXX has also displayed a medical bill as negative but it was paid. The account was satisfied and paid without going to collections but its still showing in my report, how is this even legal. I have to constantly submit disputes and my disputes are always denied and the information is found to be correct? how can they determine this without proof? I pay all of my bills on time, with the exception of one late payment and it was in XXXX!. The same goes for a report with XXXX XXXX ( my car loan ) they have what's called " skip a payment '' ( due to the pandemic ) these agencies listed I have not followed the payment agreement but also state I pay on time they have the same information on some of my credit cards because I make multiple payments prior to the payment due date. This information is false and inaccurate it hurts my credit, and I pay all of my bills on time. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 9th 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 XXXX, FL XXXX XXXX XXXX Balance : {$1500.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
There are names, addresses, and incorrect employer information that needs to be removed from my report as this information should not be on there. In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized information on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this 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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2021-05-17
Company: Experian Information Solutions Inc.
State: CT
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 contacted each bureau by certified mail and they have not corrected the unverified accounts. Here there are : 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 2023-10-03
Company: EQUIFAX, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX 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 2023-04-19
Company: Grain Technology, Inc.
State: AZ
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 have attempted several times to work with this company directly in resolving my complaint. I have a late payment reporting on all three credit bureaus from this account inaccurately I could not get in touch with the company to make a payment and they blocked me from using their app for over two months. I HAVE SINCE PAID THIS ACCOUNT IN FULL AND ASKED FOR THE LINE OF CREDIT TO BE CLOSED THE ACCOUNT IS STILL REPORTING AS OPENED ON MY CREDIT REPORT AND NOW IT IS SHOWING XXXX ACCOUNTS WITH THIS COMPANY BOTH HAVE THE EXACT SAME INFORMATION AND IT IS MAKING IT APPEAR THAT I HAVE XXXX LATE PAYMENTS ON MY CREDIT REPORT THIS ACCOUNT SHOULD BE CLOSED NOT OPEN AND IT SHOULD NOT BE REPORTING TWICE ON MY CREDIT FILE PLEASE CORRECT THIS INFORMATION AND FOR THE LAST TIME CLOSE THIS XXXX ACCOUNT YOU ARE COMPLETELY UNRESPONSIVE TO MY EMAILS AND THAT IS THE ONLY WAY TO CONTACT YOU. CLOSE ANY ACCOUNTS THAT I HAVE WITH YOU AND IF YOU CLAIM I HAVE XXXX ACCOUNTS I WANT PROOF MAILED TO MY ADDRESS XXXX XXXX XXXX XXXX XXXX az XXXX showing that I applied and opened XXXX  accounts. I AM BEYOND XXXX AND AM GOING TO BE VOICING MY OPINION EVERYWHERE I WILL ALSO BE CONTACTING AN ATTORNEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of Ed/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 2022-04-05
Company: Experian Information Solutions 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 XXXX XXXX Bank 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.

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