BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
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:
I have incorrect increase showing on my account when I had a freeze and on my three credit bureaus for the past 6 years! Those inquiries are fraudulently done I am a victim of fraud I sent in several copies of police reports and they still Place those inquiries on my report hard and soft! Also they are showing public records of bankruptcy XXXX  XXXX and XXXX which is 7 years old XXXX  XXXX they told me they going to keep it on there for 10 years when I contacted the consumer they said they never report information to any credit bureaus and also gave me a letter to send to them and spoke with them on the phone and they still keep that public records on my credit report I want them removed they are falsifying in line saying they contacted the bankruptcy courts and they reported the bankruptcy to them which is false information I want my XXXX  XXXX and XXXX removed it's stopping me from purchasing a house as a first time homeowner! I also have accounts on there that's closed out and old with inaccurate information and also have accounts on there that's not even me saying that I'm an authorized user on a credit card I never in my life on the credit card I sent the police reports I'm a government employee at the post office in all of our information had been breached it was on all national news channels everyone knows this ever since then five years ago I've always had a freeze on all three of my credit reports even XXXX XXXX  and I don't understand how these accounts are being placed on my credit reports every month some of them you can look and see the dates that is fraudulently done they're back to back please have them to remove this false information on my credit report ASAP they investigated and it's constantly keeps it on there I want this stuff off so my credit score can go up I even have accounts that I paid off and they still reflecting on my credit report! They keeping my credit score at a XXXX this is ridiculous someone need to get to these credit bureaus all three of them and stop letting them fraudulently put information on people 's account saying that they getting public information from the vendors when they're not! I want those bankruptcies move both of them!

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 2022-10-12
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: Reporting company used your report improperly

Complaint:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) - if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) - if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information.

( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

The 11 accounts named Dept of Ed/XXXX  with acct # XXXX was removed from my Equifax report because of inaccurate information that was being reported on XX/XX/XXXX. I contacted XXXX & XXXX multiple times to get this information updated but stated the accounts came back as verified. This specifically violates my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ). CFPB Complaint # XXXX for reference of deletion. 

XXXX shows : {$35000.00} Equifax shows : {$0.00} XXXX shows : {$35000.00} Equifax was suppose to report this information to the other 2 bureaus Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) and by Law XXXX XXXX XXXX violated my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) wish states all inaccurate information is to be deleted upon notification. 

On XX/XX/XXXX I notified XXXX and XXXX through the CFPB both companies. 
XXXX Complaint ID : XXXX XXXX Complaint ID : XXXX This can be tailored to Equifax Complaint ID : XXXX ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/XXXX, I received a personal loan from the XXXX XXXX, XXXX branch of XXXX XXXX XXXX. On XX/XX/XXXX, my wife and I filed Chapter XXXX Bankruptcy which included that loan. The bankruptcy was completed on XX/XX/XXXX, and the loan is being properly listed on my credit report as Chapter XXXX Bankruptcy. 

However there is another loan listed on my credit report under XXXX XXXX. It was also reportedly issued on XX/XX/XXXX, with a last payment made date of XX/XX/XXXX, the exact dates reported by XXXX XXXX XXXX. This loan is being reported as Unpaid Balance Charged Off. I have never applied for or received a loan from XXXX XXXX, and certainly did not apply for or receive two entirely different loans on XX/XX/XXXX, as is currently claimed on my credit report. 

In XX/XX/XXXX, XXXX XXXX XXXX merged with XXXX XXXX , XXXX and on XX/XX/XXXX, the company became known as XXXX XXXX. It appears that sometime between the merger and the final discharge of the debt, the account was transferred from XXXX XXXX XXXX to XXXX XXXX, resulting in a new account number. That doesn't make it a new loan or change the fact it was discharged, however. 

On XX/XX/XXXX, I submitted an online dispute with TransUnion, identifying the duplication and noting this was likely the same loan reported twice. On XX/XX/XXXX, I received a reply claiming the accounts were verified as accurate. I'm not sure how it was verified, but someone, somewhere, is mistaken. 

I contacted the main office of XXXX XXXX on XX/XX/XXXX, to correct this error. I spoke with XXXX and explained the problem, and was transferred to XXXX at the XXXX XXXX, XXXX branch. After I explained again, XXXX told me that her manager, XXXX, was out of the office but would return my call the following day. On the XXXX, my wife spoke with XXXX, and explained the situation yet again. He stated repeatedly there was nothing he could do and claimed if TransUnion was saying it was verified, then it must be accurate. He suggested we contact an attorney if we had further questions. 

I am trying very hard to make sure my credit report is accurate and have hit a brick wall here. On XX/XX/XXXX, after my wife spoke with XXXX, I contacted TransUnion by phone to dispute their results and still have not received any indication that they are doing anything to correct this problem.

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 2021-01-10
Company: EQUIFAX, 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:
Hello. My identity was stolen from me. There are some fraud accounts noted on my credit report. My son, who is a XXXX  told me that I needed to file a complaint to make sure that the accounts on my report would be handled correctly. I have attached my Identification along with my federal trade commission report and any other supporting documentation you may need. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: OH
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 just got this account deleted from my credit report. HOWEVER it was on my credit report with XXXX XXXX XXXX! But because the collection agencies are so CORRUPT, they deleted it because they HAD TO! They just merged with XXXX XXXX XXXX and put it back on my credit report under the merging companies name!!! Which is XXXX XXXX XXXX WHICH IS A VIOLATION! This account was already deleted because it COULD NOT BE VALIDATED! THIS IS A VIOLATION!!!! YOU CAN NOT PUT THE ACCOUNT BACK ON MY CREDIT REPORT UNDER ANOTHER CORPORATIONS NAME AFTER IT HAS ALREADY BEEN DELETED BECAUSE YOU DID NOT VALIDATE IT!!! THIS IS A VIOLATION AND FRAUD!!!! Nor have i ever heard of XXXX XXXX XXXX! Who are they?! I the CONSUMER have never done business with or signed a contract with this CORPORATION! IT IS A VIOLATION FOR THEM TO FALSIFY ACCOUNTS ON MY CREDIT REPORT! ITS ALSO A VIOLATION FOR EQUIFAX TO REPORT FALSE ACCOUNTS ON MY CREDIT REPORT WITHOUT PROOF OF THIS ACCOUNT BEING VALID! THIS IS A VIOLATION! AND FRAUD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Account status incorrect

Complaint:
I contacted XXXX XXXX XXXX about my credit report. The reported status of my loan is incorrect. For one, l filed bankruptcy and the loan was never reaffirmed. So why is it still bring reported when they had previously halted reporting my credit to the credit bureaus. Then secondly, l was on forbearance and my payment was not due for the reported late payments reported to Experian. I called last week about this and l am appalled at XXXX because they are purposely doing this as l keep having problems which is ongoing. I want this corrected and my loan was not reaffirmed after my XXXX XXXX XXXX They are in the wrong and l want this fixed. My credit already negative due to the bankruptcy and lm trying to rebound. Yet, XXXX is not helping my situation as they are reporting in bad faith.

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 2021-04-07
Company: National Credit Adjusters, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been going back and forth with this company for over six months. The last complaint they agreed to change the account status as fraud. Upon a check of my credit report it still remains. If its updated as fraud, while is it still on my report. I do not have anything associated with this company. I showed them a prior settlement with another company. All they can suggest is make a police report for something that happened almost 5 years ago. The police report will be fraud on this companies part. All I want after 6 months is it closed and deleted. Next steps will be civil litigation over {$50.00} bucks that they probably invested to buy this fraudulent claim. I am not going to pay something I don't owe. Sorry if they don't close and delete then I will file my own civil claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm a small business owner. I have a business account with BMO bank and they opened the business after i met all requirements. I submit a check from a client. The next business day which was a Monday they freeze the acount. They tell me this is protocol because my address is different from business address. Then they tell me a few business days. I call and ask why is my account frozen and only an Anaylst assigned to my account can talk to me. Seven days later they tell me someone tried to make a charge on my debit card internationally, but how on a frozen account and card in my possession. Then I'm told it's hard to believe that someone like me can deposit a $ XXXX check and they need 30 days to investigate me.Then they make me email my contract to prove that I contracted with XXXX and a sample invoice. I contact my client to cancel the check only to find out the bank made good on the check the first day I deposited the check on XX/XX/XXXX and fully cleared XX/XX/XXXX and the client provides proof. I am then told to email proof to the fraud department which i do. I further send in transaction information from XXXX to the analyst as well. I finally get the back office info for XXXX bank and contact them and they have me send an email to that department as well. On Saturday XX/XX/23 i go into the bank in XXXX, Ca and my account is further notated to show them again my business formation paperwork. The Analyst XXXX XXXX stated that she would not remove the freeze until XXXX calls her directly and confirm the check. XXXX does not do that and BMO bank should know that. I have gotten eviction notices, disconnected power, couldnt make payroll, pay my business insurance, credit cards or anything because a bank vetted me to open account and when i use the account i become suspicious and treated this way. The analyst further refused to speak with me as well as her boss refused to speak with me. My business is XXXX XXXX XXXX same name account is in. The website is XXXX I am 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 2022-04-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2023-07-27
Company: Experian Information Solutions 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:
To whom may concern I have reached out XXXX Credit Bureau Account # XXXX Amount XXXX many times to have this account removed its Fraud i never open this account it also go against my rights. 


In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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
Consumer complaint received 2022-04-27
Company: NAVY FEDERAL CREDIT UNION
State: SC
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 woke up with a email saying I had a hard inquiry from my bank a navy federal credit union. I have no problem with it just that I would like that removed because I didn't request any product from my bank. Contacted bank to let them know I didn't sign up for the loan I just opened the account. Will call again this morning. XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charge off accounts and inquiries listed on my credit report. I understand that my credit history is an important factor in determining my financial well-being and I am concerned about the negative impact these items may have on my credit score. 

Firstly, I dispute the charge off account listed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX I believe that these accounts were inaccurately reported as charged off and I have documentation to prove that I have made payments towards these debts. I am requesting that these charge off accounts be removed from my credit report. 

Secondly, I dispute the inquiries listed for XXXX  XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I did not authorize these inquiries and I am concerned about the impact they may have on my credit score. I am requesting that these inquiries be removed from my credit report. 

I understand that under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. I also understand that I have the right to dispute any inaccuracies on my credit report and have them investigated. 

I am emotionally distressed by the inaccurate reporting of these items and the potential negative impact they may have on my financial well-being. I urge you to take immediate action to investigate and correct these errors. 

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 2019-08-29
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Online Information Services a collection agency for XXXX XXXX. Online Information Services list on all three credit bureau for me as a charge off for {$170.00} XX/XX/2017. And neither company can provide me with proof that this account is mine, they can not provide me with an agreement contract that bares my signature. I disputed this account with them on many occasion and still unsuccess. This account has damaged my credit for the last 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
I had a secured credit card from XXXX XXXX XXXX and I paid {$100.00} to secure the debt. I asked the account to be closed and the company said my account was closed and I was denied access to the account. XXXX XXXX  is reporting a past due amount up tp {$260.00}. When I disputed this. Experian and XXXX updated my report to XXXX  past due but that there was a charge off of {$100.00} to XXXX the original {$100.00} was suppose to be refunded to me, yet I have not received my {$100.00} and There should have been no reporting of past due or charge off.

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 2023-07-06
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX  XXXX charged off accounts and refuse to send a charge off letter. I spoke to them and they put me on hold and pass me to several people before hanging up. Before the hung up they said we dont have your account in the system, however, they had all account information including my social date of birth and address. They have created a product of my personal information and have began to sell it to multiple debt buyers like XXXX and XXXX. I had XXXX closed, however XXXX XXXX is enslaving me by holding my credit reporting XXXX, stealing my freedom in credit, after being fully credited. They do not want me to have what is lawfully mines, a XXXX and a charge off letter. I spoke with the company and they admitted they never sent a charge off letter, when the accounts were charged off last year. They have not deleted my personal information but instead are selling it to the highest bidder. Even though these accounts were fully credited, seek to be re-credited over and over again. Using the power of a large XXXX, they have deceptively used my personal information as a product of their company. They have never provided a signed contract between XXXX XXXX and XXXX XXXX XXXX  XXXX, they have not validated the debt.

Company response to consumer: Closed with explanation