BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
Company: EQUIFAX, INC.
State: NC
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:
I requested my information from Equifax XX/XX/XXXX and upon receiving it my birth date along with other personal information was correct. I disputed what I could via online XX/XX/XXXX and then I faxed a letter ( 1XX/XX/XXXX ), a copy of my ID, a W2, and a bill to show the correct information. Still my birth date that another individual was allowed to change was not changed to my correct DOB. Fast forward to XX/XX/XXXX I mailed a letter with the same information that I faxed XX/XX/XXXX and still my information has not been changed with Equifax. I can not request a copy of my file because my information does not match, when I call i'm told to fax over proof of my identity to be able to obtain my own credit file. They are constantly giving out data pertaining to me to everyone but me and it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I went to XXXX XXXX jail on XX/XX/XXXX I got released on XX/XX/XXXX. On XX/XX/XXXX I call and order me a new card .I ask them for all my transactions from XX/XX/XXXX till XXXX till XX/XX/XXXX. There's a bunch of fraud activities on the card so they open up a fraud claim and send me all my statements and told me just put anything from XXXX of XXXX till XX/XX/XXXX is fraudulent activity. I get the paperwork fill it out and fax it back to them with them stating you will get provisional credit. I don't hear nothing from them or no letter stating what was going on 3 weeks had gone by XXXX called the XXXX number and the lady tolldme they closed out my case I asked her why she said she don't know it just states closed. I told her they don't notify me in any way for them to close this out. Then she stated they deemeded it not fraud I said how is it not fraud I'm glad I can go to the casino and gas station and XXXX XXXX from jail.i never got my provisional credit so now I'm making complaints on them.i need help and don't know what to do .my house was broken into and all my information was taken and used

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Now this company is reporting on my XXXX credit report that there is a negative payment on XX/XX/XXXX. This account has been closed since XX/XX/XXXX. So there for there is no negative payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
TransUnion reporting XXXX XXXX  XXXX XXXX account closed on XX/XX/2018. Numerous documents by myself and XXXX XXXX  have been sent to reflect account open good standing no late payments. This has been going on for over 14 months and TU still reporting 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX 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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Debt collector online information services address XXXX XXXX XXXX XXXX XXXX  XXXX, NC zip code XXXX. phone number XXXX open account XX/XX/2018 amount {$1500.00} very aggressive over the phone rude threating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account # XXXX TransUnion is still reporting one of my XXXXXXXX XXXX XXXX XXXXXXXX loan when all the other credit bureaus have deleted them from my credit report. This account has been reported deleted by the department of education since I applied to their fresh start program.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to all three credit bureaus ( Transunion, XXXX, and XXXX ) over a charge off that is on my account. All three credit bureaus are reporting late payment and charge offs in different months. I have sent proof about how they are all reporting different information with copies of my credit reports. I continue to get letters back that the information is verified from each of them even though they are all claiming a charge off in different dates. The accounts also show the account as closed different months of that year which I also provided proof. I have sent Dispute letters two different times XX/XX/XXXX online and XX/XX/XXXX through mail. I would like for this to be looked at as its hurting my credit score and it is against my rights to have inaccurate information in my credit profile. The information should be accurate across all three credit bureaus.

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 2020-12-21
Company: EQUIFAX, INC.
State: NJ
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:
Theres been many letters sent out every month for the entire year including last year it was regarding name and credit error, I have every certified tracking information to prove that even if decided to now sue for creation of damages since am unable to purchase a place to live during this pandemic which nobody seems to give a XXXX ( yes, now i'm being transparent, tired of the XXXX  ) cause the one am disputing with not going through what am experiencing with my credit report, then you'd understand. 

ADDRESSED : EQUIFAX been asked several times to remove the current name being reported which is not my name, EVEN sent in my social security card all year around. Lets be XXXX clear I'm a USA CITIZEN NOT A XXXX RESIDENT , lets get this XXXX together. USE THE SOCIAL SECURITY CARD PROVIDED TO CORRECT the INFO and HAVE THIS TRANSFERRED TO THE SENIOR MANAGER if no one knows how to do the job correctly and IMMEDIATELY TO BETTER MY LIVING SITUATION. Speed up the investigation process under 15 days, waited long enough to have the XXXX  corrected. 

ADDRESSED : XXXX  I've also asked you to remove the incorrect addresses, employment, inaccurate XXXX XXXX XXXX account OFF MY CREDIT REPORT all year around also just like XXXX  did delete the inaccurate information listed as stated, make sure this is a speeded process under 15 days ADDRESSED : XXXX once again for the 11th time, correct the late payments on the XXXX XXXX  XXXX, ASAP I've never been late on neither one of my accounts even during the pandemic fix these errors now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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. 1681 s-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 explanation
Consumer complaint received 2021-10-13
Company: NCB Management Services Inc.
State: AL
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 debt is a result of Identity theft and this needs to be removed immediately. The debt for XXXX  XXXX  has been previously disputed, removed and then was sold to a collection company and put on my credit report again after being previously removed. I checked my report and they are being reported as deragatory. This is keeping me from buying a home and my job of choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
Direct dispute sent to company, they did not respond : Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$630.00} and late payments of {$630.00} from XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XX/XX/XXXX ). Terms of account is listed as 1 month, and account is reporting as open. 

Basis for the dispute : I have never made payment arrangements of $ XXXX monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount. 

Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$1000.00} and late payments of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XXXX ). Terms of account is listed as 1 month, and account is reporting as open. 

Basis for the dispute : I have never made payment arrangements of {$1000.00} monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$230.00} XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-03-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Several years ago, when security freezes were first offered, I set up freezes with all 3 credit reporting agencies. For Experian, I selected my own PIN ( and saved it electronically with a password keeper ). I recently tried to un-freeze my account and Experian did not recognize my PIN. As a result, in XXXX or XX/XX/2020, I sent them all of the required information in the mail - driver 's license, social security card, current bill, and a copy of the notice - requesting that they reset my PIN. In late XX/XX/2020, I received back a letter saying my account had been temporarily unfrozen. I then tried to re-establish a PIN, and it would not let me. I received a similar notice saying I need to mail in all of the same information I just submitted. Experian is horrible, has horrible customer service, and just wants me to pay for their " lock ''. They are greedy money grabbers who take advantage of consumers. I've not been able to buy a new car ( and the price has since gone up due to expiring incentives ) because the seller uses Experian exclusively, so I have been damaged and may file suit if they do not respond quickly. They need to reset my PIN or allow me to do so, because they don't recognize the one I originally set.

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 2023-04-06
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:
When I review my updated credit report, I see that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$24000.00}XXXX XXXX XXXX Balance XXXX {$23000.00}

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 2023-05-07
Company: OneMain Finance Corporation
State: WA
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 am in the process of purchasing a home. I noticed that on my XXXX Credit report they show that I have an account that with One Main Financial company. I agree that I was 2 months late for a 60 day late payment however XXXX is showing 90 day 's late. I contacted OneMain and they agree that I only have one account. over the last 2 weeks my score on My account with OneMain is XXXX. This is the only account I have with this company. However they are reporting two on my account. I do not know what to do. I speak with XXXX and they tell me that they are initiating a dispute on my behalf but they do not contact OneMain. I contact OneMain financial and they inform me that they are reporting one account. One my other credit reports I have only one account. I have been hurt financially and emotionally by this. I am not longer able to get my VA loan approved. I am at the end of my lease for the current home I am in and will not have a place to live after the XXXX of this month. We did not resign the lease because we had met our eligible scores for a VA home loan. Now that XXXX and XXXXneMain has failed to do their job I no longer qualify for VA loan approval. I've been contacting them for almost a month now about this. I NEED HELP PLEASE.

Company response to consumer: Closed with explanation