BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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 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  Account number : XXXX this company has violated my rights reporting wrong information 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX and XXXX should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed 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 explanation
Consumer complaint received 2021-10-25
Company: CURO Intermediate Holdings
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been repeatedly disputing an item on my credit report. I have submitted the bank statements and other information supporting my claim, yet it keeps getting dismissed and am told to contact the company at such and such number. Both phone numbers listed to call are not in service. I asked the credit bureau how this is investigated and was told that they only ask the company that is reporting the information. That cant be correct, is it? In that case, speedy cash owes me a XXXX dollars. On XX/XX/2021 I took out a loan for {$500.00} I paid and have bank statements tha i paid : - {$78.00} on XX/XX/2021 - {$79.00} on XX/XX/2021 - {$79.00} on XX/XX/2021 - {$65.00} on XX/XX/2021 - {$91.00} on XX/XX/2021 on XX/XX/2021 they put on my credit report that my account was not in good standing and that i was 30 days past due. this dropped my credit score XXXX points. they refuse to fix this mistake. i have recorded phone conversations with a speedy cash rep saying that i have not done anything wrong and my things are paid. I should state also that due to covid i lost my job and called them right away for this not to affect my credit. on XX/XX/2021 I entered a payment arrangement only for the reason of keeping this off my credit. On XX/XX/2021 the defaulted my loan. I have disputed it with the credit bureaus and no luck. I believe that Speedy cash is giving bad information and even the contact information they provide the credit bureau for me to contact is not right. Both phone numbers they provide no not work. Also, after all of those payment plus 2 more since, they still state i owe {$500.00}, my loan was only for {$500.00}. Not sure what math or interest rate they have but it doesnt add up to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Lexington Consumer Advocacy, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have applied and applied and applied everywhere for some type of loan or cash advance because I am seriously struggling due to Corona virus and because I have a lack of history I keep getting denied everywhere I go. Even for the simplest of credits.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: CA
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 reporting act, this creditor Has violated my Rights under 15 u.s.c 1681 section 602, states I have the right to privacy 15 usc 1681 604 A section 2. states a consumer reporting agency can not furnish a account without my written instructions15 usc 1666b states A creditor may not treat a payment on a credit card account, under A open end consumer credit plan as late under any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am banking with Chime online bank. Someone got into my online banking app at the end of XXXX and they made a transaction for XXXX at the USPS PO in XXXX XXXX, Florida. The bank did credit back that money on XX/XX/XXXX. The bank was supposed to have that merchant blocked at the beginning of XXXX but they did not have them blocked. When I gotten paid at the end of XXXX someone broke into my account after I received my XXXX deposit and I paid my bills other than my rent. The only reason I couldnt pay my rent was because I couldnt make it to the ATM machine because of the severe weather and police advisories. I filed a complaint the same day that I seen the unauthorized transaction on my account and they had to wait 3 days for the transaction to be processed. So after that happened I filed the dispute against the transaction made. I also filed a police report and the report number isXXXX. The officers name was XXXX XXXX. I am on the 4th rebuttal now and the bank refuses to give me my money back. I have sent them all I can and am doing all I can. I have my rent that has to be paid for XXXX. Now XXXX is due and I dont have the money to pay 2 rent payments. The bank should of not let this happen because they were supposed to have this blocked. I dont know what else to do I would never make this kind of charge to a company like that and I have never been in these states so I hope that this will help me get out of this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX, which went bankrupt a different company reporting I now owe them, closed accounts from more then 10 years old, paid accounts still showing as open on my credit report, 3 auto loans that were either closed or paid of by insurance companies still showing up as delinquent or open on 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 explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I sent off an affidavit to Transunion to dispute their reporting on my PERSONAL information. I have a right to privacy and have no contract or agreement with them for them to use my own personal information to profit. I have attempted to get goods and services and have trouble because of false reporting from companies such as Transunion, and in this case, Transunion themselves.If nobody can use credit from inaccurate reporting what happens to the economy? 

I read that is the grave responsibility to accurately represent the consumer. As stated earlier I have had ZERO communication with Transunion, yet they continue to furnish information about me, ignoring my privacy, harming my reputation, and seemingly running a monopoly aiding in false reporting to consumers and the government. 

I sent correspondence on the XXXX of XXXX and received the receipt on the XXXX. They failed to rebut replied to the affidavit, AND sent back a letter saying they WOULD NOT investigate as required per FEDERAL law, dated XX/XX/XXXX. To be clear I sent an affidavit of truth, the disputes, and an invoice. They took 3 days to send a letter saying they would not open a dispute on information they STEAL from me and profit from. I have never received a letter from Transunion stating anything was added to my report. I have never received anything from them. They made it hard to get the report itself, saying the identification I sent wasn't enough. Then sending the requested info denied me again. I hand wrote a letter a third time and was sent a letter saying it could be not obtained for the third time. 

Transunion is monopolizing " credit profiles '' with full knowledge that consumers are the creditors, while causing harm, and disability to the consumer. I have NEVER communicated with them other than to receive my credit report ( had to go online as they WOULD NOT mail one ), so they can not be accurately reporting anything. They have not asked my peers or neighbors either. Transunion has been using color of law to prevent me from obtaining goods, damaging my imaginary " credit profile '', monopolizing securities and insurances that I sign. That I am entitled to, while helping to deny me my own extension of credit. 

As the name holder, it is my right to privacy. They took my information without my permission. Then they sold it. They then tell consumers the report they make is accurate... .I have gotten no compensation for the use of my personal information. It is completely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have The right to privacy 15 USC. 1681 section 604 section 2 .it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Srction states no consumer reporting agency may make any consumer report containing 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

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 2023-09-15
Company: Experian Information Solutions 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2021-10-25
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They sent us a letter offering a forbearance because of Covid. We took a three month forbearance. Ever since the first month, we are receiving notices of late payment, and harassing phone calls about late payments. I have received a call from them every day this week. I have called to speak with them and they assured me that the account is in forbearance. They didnt know why we were getting the letters but said they were probably automatic. They could not verify that they are not reporting negatively to the credit agencies. In addition to the attachment below, we have received two other late notices. Ive had to call to get them to remove late charges assessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: CA
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 Listed below are the items that are being reported on my credit report that needs to be removed Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXXXXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account does not have a name Account Number : XXXX XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number 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 a account without my written instruction 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 inform
ation is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove and/or update those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and/or update immediately or I will file for litigation due to the stress you have caused me. Please correct and update the late payment reported from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXXXXXX  account XXXXhas mishandled my Consumer Reporting Disputes, which has prevented me the consumers From Exercising Debt Collection Rights. I dont know who this company is and I didnt give consent for my information to be released to XXXX XXXX They need to end this illegal credit reporting and debt collection practice. This debt is holding me hostage from getting a new vehicle for my family and it is effecting the way I am living. I dont believe its fair. Also effective XX/XX/2022 no medical debt should be in a consumer 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 explanation
Consumer complaint received 2020-06-18
Company: CURO Intermediate Holdings
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
When trying to make payments to catch up loan and pay off, a representative advised that they increased my credit ( cause it was a flex loan ) and I advised that I did not request that! They illegally increased my credit to process a payment toward the loan ; therefore causing me to incur more debt and longer payoff time. 
Since they illegally increase credit and then used that credit to make a payment on the account, then I was not able to catch up payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Grant & Weber
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I have two medical ones. The thing is that on one of those I had medical which should have paid for it. On thee other one the company I worked for also was supposed to pay for the expense.

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 2021-10-25
Company: EQUIFAX, INC.
State: GA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2023-07-21
Company: EQUIFAX, INC.
State: LA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation