BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called this company numerous times. They have affirmed that they will remove the negative information as my acount XXXX XXXX XXXX XXXX  ( XXXX ) was paid in full on XXXX and XXXX of XXXX. They send me a letter stating that a letter was send to all bureaus to have this corrected. However, its XX/XX/. My credit has been affected drastically by an account that should be reporting positive. I will upload the letter and proof of a check they send me as when I paid the full amount there was a change of XXXX XXXX. Please remove XXXX and XXXX late payments. As there was never a late payment as the acount was already closed. I decided to pay the charge off and it looks like it has affected me worst. Please fix this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. I have over 34 accounts and inquiries that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) TransUnion assumed this role and my direct written instruction/permission was never given. TransUnion is in violation of my Right to Privacy according to 15 USC 1681 4. TransUnion did not exercise its grave responsibility, was unfair and was partial. Furthermore, TransUnion did not have a permissible purpose under 1681 b 2. I never instructed TransUnion to furnish this report and I never consented to this report in the first place. Furthermore, actual evidence of documentation has not be provided when requested after previous disputes. I am demanding that all of these accounts and inquires be deleted from my report and file along with my phone number and all inaccurate names. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted

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 2024-01-07
Company: CITIBANK, N.A.
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:
There's an inquiry on my XXXX credit report from cbna. I'm unaware of the giving cbna permission to pull my credit report. I have asked XXXX to provide me with the original documentation that was used to consent a credit pull. This inquire is stopping me from getting credit and loans for personal and business.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-11-11
Company: Experian Information Solutions Inc.
State: SC
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$650.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$4000.00}.

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 2022-12-26
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:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2023-10-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Account ending in XXXX was opened in XXXX or XXXX of XXXX as a secured account with USBANK with a starting deposit of {$500.00} with my credit score being a XXXX. When applying for this account I was told if I made my first 12 payments on time that I would get my security deposit back. 

In XXXX of XXXX I had extreme issues with customer service which was escalated all the way to the office of the Vice President, which were never resolved and are only related since this is a retaliatory refusal to refund. 

In XXXX of XXXX I requested my security deposit back, at the time of the request I had a 100 % payment history with the account and on my credit score had jumped up up to XXXX. I was showing a low credit utilization, had increased my annual income by over {$20000.00} a year, and everything was looking great. They denied it. 

I decided to buckle down another 12 months since when I initially applied my credit was so low. In XXXX of XXXX I once again requested my security deposit back. At the time of request I had a credit score of XXXX, low credit utilization, and 100 % payment history with all accounts. My debt has gone down significantly, and I now make 5x what I was making when I put this deposit down. 

I have had this looked at by both employees of USBank and of other banks and lending institutions. The employees of USBank made it clear they have never seen a case like this before, and hinted at some notes on my file that were the actual cause of it not being refunded. The employees of other lending institutions said that USBank is abusing the design of a secured card and recommended that I make a complaint here. 

Before it is asked, I was given the option of paying it off in full, then driving to my nearest branch ( 200mi away ) to get my deposit back, it can only be done in person. I allowed USBank to hold my money without reasonable interest with an understanding that I would get this deposit back after 12 months if I held my end of the bargain, its been over 24 months, and Ive held my end, I expect them to hold theirs

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 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, 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 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 2023-08-25
Company: Experian Information Solutions 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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 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 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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: Personal information incorrect

Complaint:
I'm sending in this message because there are incorrect addresses being reported on my credit report and I would like to have them removed as this is inaccurate information. Here is the incorrect information that needs to be removed. 

XXXX : ( Incorrect Address ) XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, MI XXXX Equifax : ( Incorrect Address ) ( Never lived at this address ) XXXX XXXX XXXX XXXX, XXXX, MI XXXX Please remove these inaccurate addresses from my credit reporting profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received vendor credit ( XXXX XXXX XXXX XXXX  ), {$1800.00} back in mid XXXX, credit has been sitting on my Barclays credit card account ( # XXXX ) up until now, XX/XX/2022. I have always maintained this credit balance and pay immediately for any purchases so that my card balance is always a {$1800.00} credit. Have contacted them to deposit this amount to my bank account. This procedure has already been accomplished before, but for a lesser amount. Have contacted customer service at least six times to accomplish this and the respomse is always " the check is in the mail ''. Being a senior xxxx person, the return of these funds are invaluable to me. Please, please do all possible for a swift conclusion to this matter.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: IL
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 open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Have been working with Selene Finance since last year on loan modification. We have been providing them the documents that they ask for, but the list keep changing as to more and more paperwork. Just gave them the last set of paperwork XXXX weeks ago. All this time while pursuing the modification and its pending status, XXXX has had their attorneys pursue a dual track by continuing court action. I am told this practice is illegal and called DUAL TRACKING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: NC
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  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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2018-04-03
Company: Experian Information Solutions Inc.
State: IA
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 had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other credit.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove

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 2023-08-12
Company: LEXISNEXIS
State: TN
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:
On XX/XX/XXXX, I received a letter from LexisNexis stating that I disputed a Bankruptcy on my consumer report for inaccuracies. They reported that they verified this Bankruptcy matching it to my address and social security number through an electronic system called PACER. Now with that being said I have a right to privacy under the privacy act of 1974 which clearly states that you can't report any information about me from a system of records without my written authorization or consent. I never gave such consent to LexisNexis, meaning they are violating the law. They even admitted to this blunder in the letter they submitted to the CFPB.

PACER is the system of record for bankruptcies. Please be advised that while the U.S. Bankruptcy Courts may not provide information directly to consumer reporting agencies, bankruptcies are a matter of public record and can be obtained from PACER, which is an electronic public access service that allows users to obtain case and docket information online from federal courts. This service, offered by the Federal Judiciary to allow public access to court information, provides up-to-date information about the status of bankruptcy matters, including information about the parties involved in a case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: CA
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:
I am writing to bring to your attention certain inaccuracies that have been reported on my credit report. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I kindly request your assistance to rectifying the following errors : 1.Account name : XXXX  Account number : # XXXX Inaccuracy : Incorrect information on balance, payment history, account status, comments and dates. 

I have attached supporting documents that substantiate the inaccuracies mentioned above. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into these inaccuracies and take the necessary steps to correct or remove the erroneous information from my credit report. 

Additionally, I would like to emphasize that the continued reporting of inaccurate information reflects negatively on my creditworthiness and financial standing. I kindly request that you update my credit report promptly to reflect the accurate and up-to-date 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