BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Please remove this account from my credit with XXXX XXXX XXXX XXXXXXXX as I have reached out several times and I have no response as to when this will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax should remove XXXX XXXX XXXX from my credit report immediately due to the fact that they have violated my rights under the Fair Credit Reporting Act, Section 611 ( c ) which clearly states and I quote Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' In a credit report dated XX/XX/2022 that Equifax sent to me they fail to mention that the XXXX  XXXX XXXX account number XXXX was disputed by me and that I have been disputing the accuracy of this account for over 8 months now. The last dispute concerning the XXXX  XXXX XXXX account was received by Equifax more than 30 days before the printing of this credit report dated XX/XX/2022 but yet Equifax failed to mention on the credit report that this account was disputed by me. I have attached a copy of the credit report sent to me and highlighted the violation. The highlighted violation can be found on pages 11 & 12 of the credit report. ( kindly see file attached ). Equifax refused to place this statement on the credit report which is a violation of the Fair Credit Reporting Act and according to the Fair Credit Reporting Act such a violation warrants the immediate deletion of such an account from a person 's credit report. Because of this violation Equifax is liable for a {$1000.00} fine. 
Kindly delete XXXX  XXXX XXXX immediately from my credit report. A failure to do so will result in me taking legal action against this company for violating my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXX  Account Number : XXXX 3. Account Name : XXXX Account Number : XXXX 4. Account Name : XXXX Account Number : XXXX 5. Account Name : XXXX Account Number : XXXX 6. Account Name : XXXX XXXX  XXXX Account Number : XXXX 7. Account Name : XXXX XXXX  Account Number : XXXX 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.

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 2019-06-15
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with Ally Financial for a XXXX XXXX prior to my divorce in XXXX. The loan was under my name but paid through my ex husband and my business. However, when we filed for divorced, my ex-husband immediately stopped paying the car loan. Although, through court orders the payments were to continue through out businesses, my ex transferred the business to his partners name. The car was ultimately reprocessed and I filed for bankruptcy chapter XXXX, in XXXX. I have completed and complied with all bankruptcy rules and therefore, my attorney had ad used me that Ally Financial Loan falls under the umbrella of bankruptcy and should not appear in any of my credit reports. I am moving forward in my life with a job as a XXXX XXXX earning over {$100000.00} annual salary. I need to to lease a vehicle for the safety of my XXXX minor children and myself, however, the devastation of being denied due to inaccurate information on my credit report creates difficulty for a professional individual earning a decent salary trying to lease a new vehicle. I am hopeful that this discrepancy will be rectified and removed from my credit report. Any concerns or questions or any pertinent additional documentation may be provided at your request. Thank you. Truly, 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 explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions 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:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-24
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent a payment to my mother on Cash App and told her to cancel the payment. Per the Cash App instructions there is a way to cancel the transaction on the recipient 's side but not the sender. Although she tried to cancel it there was no function available on the App to cancel or refund the transaction. 

I informed Cash App of the California Law per their page https : //cash.app/XXXXXXXX Right to Refund for XXXX Residents You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Block, Inc., formerly known as Square, Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to Block, Inc. Finance Department at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the XXXX Financial Code. 

Their Chat Support informed me " This payment was successfully sent. We can not cancel or refund completed payments. '' The payment was not completed by the recipient and they were not given an option to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019, I received a letter from a debt collection by mail on behalf of XXXX XXXX XXXX for the amount of {$50.00}. I have been a XXXX of XXXX from 10 years and payment is made always before service can be render and it made to the billing department. XXXX is aware that I am a XXXX XXXX and such person are required to obtain and keep good credit. XXXX has not notified me by mail or any such means that I owed of any such false amount. However, I this letter from the collection agency without any reason to why an amount would be due has not been exercised. XXXX has violated my rights to dispute or see why I would be charged when I would not been able to see the doctor and also, I pay {$80.00} per visit to see the doctor. I don't know why XXXX is creating financial fraud which, can be proving by my credit card payment on any such service that has been rendered .. This is totally financial fraud or reporting on XXXX XXXX part and to not give me the opportunity to dispute their billing by sending or call me about his is fraud ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2019-06-15
Company: EQUIFAX, INC.
State: OK
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: Problem getting your free annual credit report

Complaint:
SATURDAY XX/XX/2019. 

I HAVE REQUESTED MY ANNUAL CREDIT REPORT SEVERAL TIMES AND XXXX   IS THE ONLY AGENCY THAT RESPONDS, ( SO I MUST BE DOING SOMETHING RIGHT ) NOT EQUIFAX AND NOT XXXX 

THE LAST TIME I REQUESTED MY REPORT WAS VIA THE XXXX NUMBER FOR REQUESTING REPORTS ON ( XX/XX/XXXX ). XXXX RESPONDED SAYING THEY HAD ALREADY SENT ME MY YEARLY REPORT AND THAT IS CORRECT, ITS THE OTHER TWO AGENCIES WHO HAVE NEVER REPONDED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was under the impression that I was in a student loan forgiveness program. I paid {$120.00} ( XX/XX/XXXX ) and {$130.00} ( XX/XX/XXXX ) to XXXX XXXX ( paid to XXXX in bank statements ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have Checked my credit report and I found that these accounts are not mines reporting to XXXX and Transunion

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 2023-06-15
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  loan ID # 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Atlanticus Services Corporation
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 received notifications on my phone about my credit account that I had opened a new credit account and it was a credit account of over XXXX $ and they told me that they were going to send an affidavit to fix problem but I dont know what happend and I have to fix it because its affecting my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I froze all credit because eight years ago it was brought to my attention that my identity had not only been stolen but had been being used by numerous different fake companies to use my credit information. It has been a nightmare. I just learned my information is on the dark web. I need help to regain my identity and real credit score for the future.

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 2023-05-10
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-08
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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