BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Act Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 Section c ( a ) ( 5 ) 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 7 years XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX 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 Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX DEPT OF ED/XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Account Number 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 2023-09-14
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the resolution of an inaccurate collection account on my credit report, specifically in relation to Equifax, one of the major credit reporting agencies. I believe that the information related to this collection account is incorrect and is in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
One company said my address was not a match when in fact my current and previous address was direct from my statements. If my landlords an myself don't know where I live then I guess that I'm in a XXXX of a mess. Another company appears to have trick questions about my past mortgage. Another company said That I already had my free report, but since I live in Georgia I get TWO free reports. Nowhere to address this problem. This is insanity. They can't protect my info when they can't even keep up with where I live. Besides, IT'S MY REPORT.. MY INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job that I had for XXXX  years in during XXXX. Select Portfolio Servicing solicited me by phone offering a mortgage assistance program due to XXXX. I told them I had lost my job but I had XXXX questions : would this cause me to lose my home or cause foreclosure? No ma'am. Then I asked if my mortgage payment would go up? No ma'am, you will either get a loan modification or the past due payments will be put on the backend of the mortgage. I said putting it on the backend of the mortgage is fine with me. 
I did not receive either, I started making payments XXXX XXXX and I have made payments every month since that date. In XXXX they sent back a copy of my money order telling me that it had been shredded and the payment was not accepted. Then I started sending my personal checks and all of them have been shredded, XXXX, XXXX, XXXX. I just mailed my XXXX payment and I would expect it will be shredded as well. 
I do not have the money for an attorney. I am XXXX XXXX XXXX, I have not family, no children and no place to go if they take my home. They have lied to me and misrepresented whatever program they offered. I have requested a document showing my signature of acceptance for their fraudulent program. XXXX XXXX XXXX XXXX owns the mortgage I have sent them a letter as well. They do not respond. I am asking for help asap, I do not know what more I can do. I can not afford an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I reached out to experian to explain to them that all the accounts - hard inquires and collections were not mine. I kindly showed them that it had my brothers name on my credit report and also showed them a comparison between experian credit report and my XXXX and XXXX so they better understand. I did not get a response from them and I jut don't understand and I clearly show them None of the accounts or hard inquires are mine on Experian. They are my brothers. 

There are also 3 accounts in collections that are not mine either. I know this by how it shows on on my other two credit reports- XXXX and XXXX . 

I'm not sure how this happened. This is highly effecting me and my families ablity to live a quality life for something that has been out of our control and we are doing our best to settle the matter. Please help. XXXX is the correct information.

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 2023-09-14
Company: EQUIFAX, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-07-04
Company: Experian Information Solutions Inc.
State: IN
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-07-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  XXXX of Inquiry XX/XX/2022 & XXXX XXXX  Date of Inquiry XX/XX/2022.

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 2023-02-18
Company: Experian Information Solutions 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:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX/ Account # XXXX, ( XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX  XXXX # XXXX ( XXXX XXXX XXXXXXXX # XXXX ) U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2021-12-21
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:
XX/XX/2021 Certified Letter Sent to Bureau Demand for Verification XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit with Proof of Identity Theft and Violations XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In XXXX I reached out to TransUnion in reference to unauthorized inquiries on my credit report and was advised to send in a FTC, police report with copy of my DL/SS card and I did. So I gave it a few weeks before I called to check on the status after being told they needed those documents to remove the unauthorized inquiries. 
On XXXX I reached out again after seeing this fraud alert on my report that had phone numbers in the alert that wasn't mines. I spoke to representative by the name of XXXX XXXX that could not speak XXXX that well and asked her about my situation. After asking her multiple times about the report and the false information on my file she stated she could not help me and the paperwork was not in to support my claim. XXXX XXXX got very upset and started to be rude. I asked for her supervisor she told me no several times until after I told her my rights were violated and I wanted her supervisor. She later transferred me to another representative is when she answered the phone and someone was making homophobia remarks about me keep calling in which i reported to the XXXX organization!!! This representative name was XXXX XXXX who also came on the phone with a poor attitude and refusing to correct the information on my report or use the documents sent in to remove the fraudulent information. XXXX XXXX was very argumentative is when I told her they had false information on my report that they refuse to remove after I didn't authorize them to add the statement on my report since this number belongs to someone else just as the inquiries that need to be removed ASAP.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
CFPB-15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******

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 2023-07-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
they removed all fraud accounts and still left 1 from XXXX XXXX bank there was 2 accounts associated with XXXX they removed 1 and left then other which does not make sense please remove account immediately it is preventing me from getting a new home and causing me hardship

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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion and XXXX are reporting inaccurate information on my XXXXXXXX XXXX XXXX XXXX XXXX  See attached info

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 2022-02-03
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
am a XXXX XXXX  who has had fraud committed against me as a result i had to file for bankruptcy. This included a XXXX XXXX account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the 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 2023-09-19
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: LA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
I asked the credit agencies to validate the information that's reporting on my credit report and they have failed to provide me with this information and its negatively reporting on my credit report. According to the Fair Credit Reporting Act. 15 U.S. Code 1601 Truth and Lending congress states that accuracy and fairness of credit reporting should be reported.

In accordance with the Fair Credit Reporting act XXXX Accounts : 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 2018-11-12
Company: Experian Information Solutions 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:
I looked at the most recent credit reporting agencies letters and have come across some erroneous information. 

XXXX XXXX Reported : XX/XX/2018 {$300.00} XXXX XXXX XXXX XXXX XXXX Im not too sure what this or who it belongs too? This is not mine and does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: MD
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:
These four closed/chargeoff accounts must NOT show a past due balance ( after it was charged-off with the IRS ) or show ANY activity after the account closed date. 

XXXX  XXXX XXXX - Past due balance {$530.00} XXXX XXXX XXXX - Past due balance {$480.00} XXXX XXXX  XXXX - Past due balance {$1000.00} XXXX XXXX - Past due balance {$48.00}

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 explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: MO
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX : {$0.00}.

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 explanation