BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: PA
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:
Today XXXX XXXX  ), I just reviewed my Consumer report from Equifax and I have noticed that two accounts that I have disputed in the past several times are still reporting Incomplete and missing vital information. Consumer Reporting Agencies have assumed a crucial role in handling and reporting Consumer Information to the best of their abilities so that all information that is being reported is Complete and Accurate. 
I have enclosed a copy of my recent Equifax Consumer report XXXX, and circled all of the Incomplete/missing information. As you can see, The vital information that should be on my consumer report is indeed incomplete. 

Account-XXXX  XXXX XXXX Problem-Incomplete Payment History from XXXX  XXXX XXXX  Solution-Delete Account for reporting Incomplete payment History on a Consumer Report. 

Account- XXXX  XXXX Problem-Missing Payment History from XXXX XXXX XX/XX/XXXX  Solution- Delete Account for reporting Incomplete information on a Consumer Report. 

Please investigate and Delete these accounts. If i am remiss then please provide me proof with billing statements showing the Complete payment history. If proof can not be provided, then I demand these Accounts be removed immediately from my Consumer Report. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: NC
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.

All Accounts related to the matter : Account # XXXX : XXXX XXXX XXXX XXXX XXXX Account # XXXX : XXXX BANK XXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX XXXX 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. 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 explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit bureaus reporting inaccurate information on my credit file while not verifying these accounts. 
XX/XX/2022 I sent the company Experian a request letter. My terms was to verify the accounts or remove them. Im addition, please remove all non accounts holding inquiries over 30 days old. Also, please add a suppression to my credit file. 
Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove them. Also on ( XX/XX/2022 ) I wrote Experian a demand to comply letter. Which states Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely,

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 2023-08-01
Company: Experian Information Solutions Inc.
State: PA
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:
Subject : Request for Removal of Derogatory Accounts Based on XXXX 's Investigation On XX/XX/2023, I received communication from XXXX stating that they conducted an investigation into certain derogatory accounts on my credit report and subsequently removed them from their records. I am kindly requesting XXXX and Experian to take the appropriate steps to update my credit report accordingly. 

As per the Fair Credit Reporting Act ( FCRA ) and the rights it affords consumers, it is my understanding that each credit reporting agency must ensure the accuracy and completeness of the information on the credit reports they generate. XXXX 's investigation found errors in the reporting of certain accounts, leading to their removal. Therefore, I believe it is essential for XXXX and Experian to reflect this updated and accurate information on my credit report as well. 

To facilitate the process, I have included the following relevant details : Account information as listed on my XXXX report : Account Name XXXX XXXX Account number XXXX Account Name - XXXX XXXXXXXX Account XXXX XXXX Account Name -XXXX XXXX Account number XXXX Account Name -BK OF XXXX Account number XXXX Account Name -XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXXXXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX Account Name -XXXX Account number XXXX, XXXX Please delete these accounts now, or I will have to start the arbitration process through the courts for the multiple violations that has been committed. 


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 states : a consumer reporting agency can not furnish a accounts without my written instructions. 15 USC 1681 ( 602 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to PRIVACY.

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 2022-07-12
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: Account status incorrect

Complaint:
My service provider granted me a COVID forbearance on my VA loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a 3 month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to 30yr fixed loan. 

However during the 3 months of the trial period, my credit account was reported to the credit bureau as 30, 60 and 90 days late even though all payments were made on time as directed by the service provider. 

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the 30, 60, 90 day missed payments from 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 2023-04-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear CFPB, I am writing to request the removal of fraudulent hard inquiries from my TransUnion credit report. I am a victim of identity theft and have recently discovered several unauthorized inquiries on my credit report. 

The following hard inquiries were made without my knowledge or consent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/2022 XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already reported these fraudulent inquiries to the credit bureaus and have taken steps to freeze my credit and monitor my accounts for any further unauthorized activity. However, I believe that the responsible parties should be held accountable for their actions. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. In addition, the FCRA requires credit bureaus to investigate and correct any errors or fraudulent information within 30 days of receiving a dispute. 

As a victim of identity theft, I am requesting that the CFPB intervene on my behalf to ensure that these fraudulent inquiries are promptly and permanently removed from my credit report. I also request that the responsible parties be investigated and held accountable for their actions. 

I am counting on your support to help me correct this wrongful action and protect my credit score. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-07-12
Company: United We Collect, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an ambulance  ride on XX/XX/XXXX. I received a bill from the ambulance company on XX/XX/XXXX and I paid the total due on XX/XX/XXXX. Fast forward to XXXX and I got a collection letter saying I owed money. I thought they just forgot to record my payment so when I contacted debt collection company they sent me a whole other invoice ( for the same thing but just charged more now ). I contacted the debt collection company and they said to call ambulance company. Ambulance company won't help me because they said it been sent to collection. No one can explain why the two invoices are different but they all agree its for the same thing. Debt collection company says I " owe it '' still even though the second invoice has been changed to show I owe more.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove this unauthorized inquiries from 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 2023-05-23
Company: EQUIFAX, 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 information incorrect

Complaint:
YOU HAVE THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER 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 XXXX XXXX XXXX XXXX  Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08
Company: EQUIFAX, INC.
State: MI
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 have a public record that has been mixed or merged with someone elses report showing up on mine, I even have a fraudelent birth year of 1987 showing up. I have tried to fix it with the burueas on several occasion but they claim they veirifed through XXXX XXXX. I reached out to XXXX XXXX and they have sinced removed it ( I have attached proof ). Next I reached out to the courts of Michigan, They returned a letter saying they dont provide the burueas information ( I have attached proof ). Lastly I filed an FTC complaint against the burueas and I have included this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EGL US, LLC
State: PA
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:
This just proves that XXXX Credit Bureau is lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
I recently reviewed my credit reports and have found duplicate accounts that are affecting my credit rating showing on my credit file. I have disputed directly with Experian, and XXXX over 30 days ago and they have failed to remove thesein accuracies. 

XXXX XXXX XXXX XXXX Acct # XXXX Showing duplicated XXXX times XXXXXXXX XXXX XXXX XXXX Acct # XXXX Showing duplicated XXXX times

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
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: Account information incorrect

Complaint:
On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including Experian, XXXX and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.

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 2023-04-11
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 my 5th 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 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 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 2021-08-26
Company: OneMain Finance Corporation
State: TN
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:
OneMain Financial shows my monthly payment of {$510.00} due every month ; however, a signed settlement was agreed with a new payment of {$380.00} to be paid each month starting on XX/XX/2020. Each month a payment is made in the amount of {$380.00}. It has been over a year and each month my credit report shows a past due balance because OneMain is still reporting the monthly payment {$510.00} is owed instead of {$380.00}. OneMain will not update their system and report it properly. I have spoken to numerous individuals at OneMain and no one gets back with me to resolve this issue. I have documentations to show the agreed monthly amount of {$380.00}. This has impacted my credit score for over a year now! I need help getting this fixed with OneMain and getting my credit report updated correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently reviewed my credit report with XXXX and Trans Union and have found inaccuracies showing that are affecting my credit rating showing on my credit file. I have disputed directly with XXXX and Trans Union over 30 days ago and they have failed to remove these in accuracies. XXXX XXXX Acct was paid and agreed to remove from bureaus and XXXX has complied, but XXXX n Transunion have not XXXX XXXX XXXX Acct # XXXX Showing as closed but has not been removed TransUnion XXXX XXXX Acct # XXXX Showing as paid but has not been removed

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