BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
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: 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.

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 2023-06-13
Company: EQUIFAX, INC.
State: LA
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 is 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: VA
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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
OnXX/XX/XXXX, I sent the following message to MOHELA, and as ofXX/XX/XXXX, MOHELA has not responded to my request for information : " Hello, I received conflicting information from MOHELA about the status of my repayment. I got a letter in the mail on XX/XX/, which said my repayment under XXXX was correctly recalculated to {$200.00} and my initial repayment was due on XX/XX/ Also, under my online PSLF payment tracker it shows that XX/XX/ was not an eligible month that counts toward my PSLF payment count. 

However, my online account has this message posted by MOHELA : 'We are in the process of updating your account. For some or all of your loans, you will not be due for payment until afteXXXX XXXX XXXX, and your interest rate will be adjusted to 0 % through an anticipated end date of XX/XX/. The months from XXXX through XXXX XXXX will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness [ PSLF ], assuming all other requirements are met. Please allow up to 30 days for the updates to be completed. We appreciate your patience and will notify you after your account has been updated. ' I need clarification on whether my initial repayment of {$200.00} is due on XX/XX/, or whether my repayment will not start until after XX/XX/. And please confirm that all months from XX/XX/ through XXXX XXXX  will count toward PSLF. Thank you. 

Sincerely, [ XXXX and XXXX XXXX ] ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This complaint is in response to the lack of transparency regarding an unverifiable account placed on my credit file. XX/XX/XXXX I requested through a certified letter to Equifax that they send me verification of their claim that an account placed on my file had been verified. 
Since my initial request in XXXX, Equifax has done nothing but send me generic claims of their so-called investigation. With no proof that the account is valid. 
The trade line in question was investigated and removed by XXXX and XXXX more than six months ago. But somehow, Equifax is always lagging in their responses. Their incompetence and dishonesty destroy lives. And they do not belong in the credit reporting business. 
In accordance with consumer rights and protection laws, a consumer reporting agency XXXX not report any credit information that is not the best evidence reasonably available. And the consumer has the right to request a description and procedure used to determine the accuracy and completeness of the information gathered. By stalling and failing to properly respond to my requests, they have violated my rights. The XXXX XXXX XXXX with the retail value of {$14.00} was repossessed by the original lender around XXXX of XXXX, and was resold at an auction. The original lender was unable to provide me with a letter of deciciency upon my telephone request. 
The account was bought by XXXX, XXXX and placed on my credit file XX/XX/XXXX in the amount of {$17.00}, XXXX. 
I believe XXXX, XXXX which has had numerous complaints with the XXXX XXXX XXXX for unethical violations is misrepresenting the amount of this debt. And this credit reporting agency is enabling them by not taking the reasonable steps to conduct a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXXINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXXXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 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 2021-10-23
Company: OneMain Finance Corporation
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: Account status incorrect

Complaint:
I have been making payments to One Main Financial for years. I recently settled with them using XXXX debt restructuring and have not missed a payment. For the last three months they have reported to the credit bureau that I am not making payments and its killing my credit score. They are unorganized, sloppy and their mistakes are affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, Affirm Inc. is not adhering to the protection order for credit reporting under the statute below. I contacted Affirm Inc. customer service on XX/XX/XXXX, on a recorded phone line ; the person stated he would share my concerns about the credit reporting to find a solution. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to consumer reporting agencies. 

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 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health XXXX XXXX XXXX XXXX XXXX XXXX Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in 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 2022-06-18
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a 100 % XXXX veteran. As of XX/XX/2019, medical debts that belong to the VA can not be included in a veterans credit report. I have contacted the Va and they called both the original creditor which is XXXX XXXX XXXX, and told them the correct way to file for my approved VA care. They illegally sent the account to collections. This collection company has reported this to the 3 credit companies illegally. The VA even called the Medical Date Systems INC sharks and they told the Va they would pass the request to XXXX to re-file. My credit score has dropped XXXX points overnight. This is what I get for serving my country.

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 2023-11-12
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The credit card issuer ( First National Bank of Omaha ), allowed a {$31000.00} transaction to be charged to my account without ANY authorization by me ( cardholder ), and without my knowledge. The merchant ( XXXX XXXX ) charged this {$31000.00} transaction to my credit card on XX/XX/2023 without any prior authorization or consent ( written or verbal ) on my part. They just went ahead and charged my credit card, and XXXX just allowed it to go through. No one even blinked an eye. 

First National Bank of Omaha 's dispute/fraud department was contacted on several ( 4-5 ) different occasions. I spoke with representatives, supervisors, and invested hours of my time to explain that I did not want the charge to go on this credit card and that I did not authorize this transaction. I did purchase products from XXXX XXXX for this amount but in all my previous transactions with them, the products were delivered and an invoice sent, which can then be paid by the customer 's method of choosing. 

Not only did I not get an invoice, they ( XXXX XXXX ) went ahead and just charged the credit card of their choosing ( without my authorization ), and not only that, not ALL of my products were delivered. However, the issue here is XXXX, who does not have any fraud protection mechanisms in place to verify such a large transaction amount with their customer ( the cardholder ), and then refused to even acknowledge that they were in the wrong and to dispute the transaction. They're in bed with the large corporate companies that they're contracted with. That's who their actual customers are, not me or any other " little guy '' cardholder. 

I would steer very clear of 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 2023-07-26
Company: EQUIFAX, 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
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: 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 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 2023-07-05
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: GA
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: Old information reappears or never goes away

Complaint:
I noticed outdated and incorrect information on my consumer report recently. I was doing some financial " house cleaning '' and realized I had old addresses, misspelled middle names, incorrect last names, and incorrect placement of my names. I called the experian fraud department to dispute this along with some fraudulent inquiries and the representative on the phone did not allow me to have MY information updated. I was told that there would be an " investigation ''. But when it came back I was told that everything had been " verified '' as accurate and complete. Well that has to be impossible because ; 1, my information was used to verify " ME '' without " ME! '' ( identity theft ) and also, it has caused financial damages to my being able to afford opportunities to live in better areas and my personal character and credibility has suffered because of this inaccurate 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
Company applied 2 inquiries even though I only applied for credit once

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 USC 1681.

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 2023-10-09
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I have tried to resolve this issue with XXXX, XXXX and TRANSUNION on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.

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