BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: IN
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/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-02-25
Company: EQUIFAX, INC.
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: 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 XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After several background check performed by checkr the most recent reported to XXXX that I have an open warrant in XXXX County FL from XX/XX/2002. Not only is that information inaccurate but it is 18 years old. XXXX has ultimately blocked my ability to drive causing a financial hardship at an already difficult time. I contacted Checkr to dispute this information and was advised their reinvestigation may take up to 30 days. So 30 or more days with no income. They also reported information in XXXX about a ticket which was XXXX processed and cost me 8 weeks of income. I feel like I am being targeted by this company on an effort to make their service appear to be valuable to these companies when in reality they are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have called several times BANK OF AMERICA and reported that someone used my SSN to open a savings account last XX/XX/2023. I was alerted thru XXXX that an inquiry was done. They told me they will investigate. This is the second time that my SSN was used to open a credit card thru Bank of America without my knowledge. I already put a credite freeze and lock on my credit report. Last year. I want all this to stop and it keeps on happening with the same bank. My name is XXXX XXXX. I live in XXXX XXXX XXXX CA.

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 2023-05-23
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I applied for a loan from Titlemax for the amount of {$350.00}. I have made over 10 payments of {$170.00} in which I believe that I have already overpaid. However, it was at this point when I found out that I had to pay an extra {$500.00} dollars in order for my account to be closed. Nevertheless, On XX/XX/XXXX I reached out to the manager regarding these charges and I told her that due to my limited income I can't afford to pay this amount. The same situation occurred in XX/XX/XXXX again I told her that my monthly income and how the cost of living my rent and utilities consumes my whole check. The manager ( XXXX XXXX XXXX ) provided me this solution that If I would borrow {$200.00} from a family member or friend the remaining balance will be a write-off. 
I wasn't told on the day of signing this contract that there would be an additional fees to pay. I believe that I already overpaid on this account. Titlemax, I have found this incident to be unfair, deceptive way of doing business. Please help me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CITIBANK, N.A.
State: MD
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:
New account fraud : Fraudulent use of my identity ( SSN, birth date, phone number ) to apply for installment loan at Best Buy/Citibank. Application was made online on XX/XX/XXXX and credit inquiry was run via XXXX  on the same date. Identity verification was performed via phone call on XX/XX/XXXX. I was notified of this fraudulent activity by my service provider, XXXX XXXX. I contacted XXXX from Citibank on XX/XX/XXXX, reported as fraud and Citibank said they would remove from bureau. Application for new account was removed by Citibank after fraud 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 non-monetary relief
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
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:
Experian and XXXX  still have not deleted my public report that is fraud and not mine. As you can see, XXXX  deleted this as I provided them information that this is NOT mine. 
Experian and XXXX  continue to say its " verified '' so I sent a MOV letter but they have provided no documentation besides that it was verified. 

Experian and XXXX need to delete this as this is NOT mine and XXXX  does not have this on my credit report as its not mine.

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 2023-12-15
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cascade continues to harass me by selling a disputed debt ( XXXX ) to other debt collection companies, since XX/XX/XXXX, which includes XXXX, XXXX, XXXX XXXX, and most recently XXXX. ( see attachment of all disputes made to CFPB and the AG ) {$960.00} - XX/XX/XXXX All companies Cascade has hired were put on notice by several regulatory agencies including the CFPB/OCC/XXXX about my dispute and the lack of information provided as I do not owe on this debt. 

All have reported back to Cascade - including the 3 CBR companies -but I am continued to be harassed and harmed by their lack of evidence AND their failure to comply with the dispute and the regulatory agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
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:
I want my profile to be In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX All credit inquiries Apartment complex in MI XXXX, has violated my rights. 

Per 15 U.S.C 1681 section 602 A. I have the right to privacy. Per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer, It states a consumer reporting agency can not furnish a account without my written instructions. They do not have my written instruction. Per 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. Per 15 U.S.C. 1681s-2 ( A ) ( 1 ) ... .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 explanation
Consumer complaint received 2020-08-31
Company: DISCOVER BANK
State: NE
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: Problem with personal statement of dispute

Complaint:
I applied and got approved for a discover credit card account XX/XX/2020, thereafter, upon the company 's request, identity verification documents and forms were requested in order to proceed to open the account. On XX/XX/2020, I faxed the documents which I later found out they were denied because they say the fax documents came back to dark to read. So I decided not to proceed with activating the account. 
On XX/XX/2020, I recieved a letter from Discover saying that they were unable to successfully complete the application review and process until the verification documents were complete which they failed to do so. 
On XX/XX/2020 I recieved another letter notifying me that my account has been closed because my personal information was unable to be verified yet instill the account is listed on my XXXX  credit report account as active as the account was never even activated. 
Today, on XX/XX/2020, I called Discover to ask them to remove their account form my report and they told me that it could remain on my credit report for 10 years when usually when a credit report account has been cancelled or closed, the account information is removed immiedately. 

When this account account was never even activated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 I have filed and submitted a request to correct all incorrect information on my credit report with all three bureaus. I have waited the 30 days for the results and nothing was corrected! There are numerous inaccurate addresses and accounts on my reports. Per FCRA regulations and requirements 15 usc 1681i ( 5 ) I am entitled to a fair and Accurate credit report. There are numerous accounts reporting to only one or two of the bureaus in question. That in itself should be enough to delete some or all of inaccuracies on my reports! I am a XXXX  mother of XXXX  XXXX  children and am in need of buying reliable transportation and housing. I can not do either, do to the inaccuracies on my credit report! I am submitting this to correct any inaccuracies across all three bureaus and request immediate remedy.

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 2021-04-20
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 status incorrect

Complaint:
Good afternoon, I reached out to XXXX, XXXX  and equifax regarding XXXX XXXX XXXX FIN with the account number XXXX and my mortgage XXXX XXXX XXXX XXXX with the account number XXXX about a late payment thats not suppose to be there. Before i reach out to credit bureaus i called both companies and i was told that it was going to be corrected. I was never late on my account at all, there must be some misunderstanding because i have initiate auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
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 DEPT OF EDUCATION / XXXX  # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: MN
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 contacted Equifax in regards to an account that appears on my credit report that doesnt provide any details. It doesnt say who is reporting or an account number. I called them and they refused to give me information about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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 information incorrect

Complaint:
I set up auto pay with XXXX XXXX they fail to use it and had me late for 60 days, when I realized that I called them up they told me they dont see the auto pay. I asked them to close the account and I will pay the balance. Two months ago I paid the balance off but they refuse to remove their negative report off my credit report. On XX/XX/2020 I filled a dispute with Experian but XXXX XXXX did not remove the pay off closed account off 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 2020-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
good morning! How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: NY
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 called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXXXXXX 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 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please review the statement below that was provided to Equifax on XX/XX/2023 : I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXXXXXX XXXX  with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXXXXXX XXXX with account number XXXX Your company is in clear violation of the consumer protection laws outlined in 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) and 15 U.S. Code 1692e., THE LAW CLEARLY STATES : 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ), reporting during Covid-19, as per this law, in times of declared emergencies, such as the ongoing pandemic, credit reporting agencies are required to update accounts to reflect that payments were not late.

You have failed to meet the requirements of this law, and for that I have submitted a report to the CFPB. 

I assert that the accounts, which is currently marked as late on my credit report, should be updated accordingly to reflect that no late payments occurred during the specified period of Covid-19.

Additionally, I draw your attention to 15 U.S. Code 1692e, which pertains to false or misleading representations. In my view, the late payment entry on my credit report is false and misleading. I have meticulously maintained timely payments for all my accounts, including the one in question. It is disheartening to see this inaccuracy on my report, as it tarnishes my creditworthiness and undermines my financial credibility.

I hereby request that Equifax to rectify this matter promptly by updating the entry for the accounts, to reflect that no late payments occurred during the Covid-19 period, as mandated by 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ). Additionally, I kindly ask that you remove the false and misleading late payment entry from my credit report under the provisions of 15 U.S. Code 1692e.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief