BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried to dispute this account over and over again with Experian. The collection agency has provided me with proof that the account first became delinquent in XXXX and it should come off because it is past the XXXX  year limit for collections. Please find the attached proof. I submitted a complaint on XX/XX/XXXX complaint # XXXX. The complaint was incorrectly closed because Experian states that I am not authorized to submit changes or corrections to my credit report. This is not true. I am the authorized person because it is my credit report. I have tried to contact Experian and they refuse to take my call to correct this matter. Please look into this issue and have it corrected. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX have taken my student loan account which is in a deferred status, and good standing and is showing it in a bad reporting status XXXX deducted 88 points off my credit score and as of yesterday XX/XX/19 another 58 points for the same factor which should reflect a deferred status because Im still a student   in school, I have tried to ration with this company but its the worse reporting agency within all three, please have them correct my account which should reflect deferred and in good standing and restore my points back which is 146 points that was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX 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 2019-10-08
Company: EQUIFAX, 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 have been calling exquifax daily trying to get my credit file correction it was another flie with the same social security number as mine I had been asking them to fixed the issue they said it takes 24/48 hours to fix the fraudulent information on my file I have proof recorded conversations they are rude and disrespectful and I'm the one that can't apply for anything because of their mix up that had been on my files for years I have proof of the two mixing credit report I just want my information to be corrected I did file a FTC report several times because of the mess they are very unprofessional and don't care for the consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 discovered that the same account on my credit report was incorrect when I reviewed it. The XXXX and TransUnion credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be reinvestigated and corrected : XXXX XXXX XXXX Balance Owed : {$640.00}

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 2022-11-09
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. U S DEPT OF EDXXXX XXXX XXXX XXXX. DP OF EDUC - XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. U S DEPT OF EDXXXX 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 2021-09-20
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: Old information reappears or never goes away

Complaint:
XXXX had a problem with their website and I was unable to get a hold of anyone on the phone and in-between several family members XXXX over the past few months from XXXX I have been a little distracted I admit. They put a late payment on my credit report which wouldn't have been there if they would either answer the phone or their website were functioning properly. When I reported it on XXXX they changed it to 20 late payments and that is not accurate at all. They need to take all the late payments off my credit report and answer their phones and reply to emails. I tried to contact them to discuss this, but again, they don't answer the phones so I can't discuss. I even tried to email and I have heard nothing back. It has been over a week. They need to take all the late payments off 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 explanation
Consumer complaint received 2022-12-29
Company: FIRST ADVANTAGE CORPORATION
State: NJ
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:
I have applied for employment recently and have once again been denied due to inaccurate information on a background check. The background check indicates that I have been incarcerated for 10 years which is not true, as I have been employed by other jobs and basically have been living life. I have no idea where or how this information has been tied to me as there is not even a date of birth for the person they believe to be me. I have already initiated to have my records expunged, but have yet to hear back from the courts. But this particular charge under my name, is simply not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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'VE TRIED REACHING OUT TO THE BUREAUS LETTING THEM KNOW ABOUT THESES INACCURATE FINDINGS. THEY CONTINUE TO VIOLATE THE XXXX AND THE XXXX. PLEASE SEE THE ATTACHMENT THE CREDIT REPORT SHOWING THE PROOF OF DELETIONS. 
PLEASE NOTE THAT I'VE ALSO REQUESTED THESE UNAUTHORIZED INQUIRIES TO REMOVE FROM THIS FILE. PER FCRA FOR INQUIRIES THAT I DIDN'T AUTHORIZE, MEANING THAT ARE NOT TIED TO ANY OPEN ACCOUNT. XXXX. CIVIL LIABILITY FOR A WILLFUL NONCOMPLIANCE 15 U.S.C 1681n. 
In the case of liabilty of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

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 2021-07-01
Company: EQUIFAX, INC.
State: NY
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
During the prior month I reached out asking for an extension I was told a different story than the one they claim to give. No investigation was done. No one pulled phone calls, or looked into why a representative had gave me wrong information and that information impacted my credit score. Therefore, the information that is reporting to my credit score is not accurate reflection of my credit report. Ive always had XXXX percent payment history. This is affecting my credit score from obtaining a business loan and obtaining a new car under my 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 non-monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: PA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-03-16
Company: Lending Club Corp
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XXXX the XXXX-2020 at XXXX. send and email to company about financial situation.ask them not to withdraw funds from account because of limitation. Then put a block on the account with my bank. XX/XX/XXXX they still. withdraw. $ XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 please remove this fraud inquiry 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 2024-01-09
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: Personal information incorrect

Complaint:
Incorrect information on 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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Inquiry was on my credit report i didnt apply for no loans

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 2022-03-24
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: IL
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent.

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 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am writing to address the ongoing issue regarding the account restriction on my Capital One Quicksilver Secured credit card. As a responsible and dedicated cardholder since XX/XX/XXXX, I value the services provided by Capital One and have diligently maintained timely bill payments and kept card utilization at a minimal level. 

On XXXX XX/XX/XXXX, I received a notice informing me that my account was restricted and that I needed to provide additional identity verification documents. In response, I promptly submitted all the requested identification documents as instructed on XXXX XX/XX/XXXX. I can confirm that all the required documents were successfully uploaded and received on your end. 

However, on XXXX XX/XX/XXXX, I received a follow-up call from Capital One requesting further identification documents for XXXX XXXX, who is an authorized user on the same credit card account since XX/XX/XXXX. Specifically, Capital One requested XXXX XXXX 's XXXX driver 's license and social security number ( SSN ) card. 

It is important to note that XXXX XXXX is a citizen of the XXXX XXXX and entered the United States on a tourist visa. He possesses a valid XXXX driver 's license issued in Texas, a copy of which ( front and back ) was submitted to Capital One on XXXX XX/XX/XXXX. However, as a visitor to the XXXX, he is not eligible to apply for an SSN, and thus, does not currently hold an SSN card. I conveyed this information in a formal letter to Capital One dated XXXX XX/XX/XXXX, a copy of which is attached for your reference. Regrettably, I have not received any response from Capital One since then. 

In an attempt to resolve this matter, I contacted the hotline at XXXX on XXXX XX/XX/XXXX to follow up on the case. During the call, I was informed that I should provide the ITIN ( Individual Taxpayer Identification Number ) for the authorized user in lieu of the XXXX. Unfortunately, XXXX XXXX is not eligible to apply for an ITIN due to the same reasons as the XXXX. Once again, I explained this situation in writing to Capital One through a letter dated XXXX XX/XX/XXXX, a copy of which is also attached. 

Throughout this entire process, I have consistently inquired about acceptable alternatives to the SSN/ITIN as proof of identity for XXXX XXXX, considering the unique circumstances. I am more than willing to provide a copy of his XXXX visa issued by the appropriate XXXX authority or his passport as further evidence of his identity. However, Capital One has firmly insisted on the requirement of an SSN/ITIN, which I am unable to provide. 

Additionally, I have proposed the removal of XXXX XXXX as an authorized user if it would help resolve this situation. Unfortunately, I was informed that no changes can be made to the account while it remains under restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked for verification and a signed document stating that this is my debt. No response from creditor Convergent Outsourcing/XXXX. Creditor deleted report from XXXX  and XXXX  but not 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 2022-03-24
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 fraud alerts or security freezes

Complaint:
XX/XX/22 Transunion XXXX. My credit freeze free membership reflected I was XXXX XXXX military. I have never been in the military. I spent all day trying to talk to a customer service representative. It took XXXX attempts before I was able to have the freeze taken off. 
XXXX I had an employer inquiry on my credit report. I tried to dispute the inquiry but was unable to online. In a couple of days the inquiry disappeared. How did this happen? 
XXXX I had a security question that I answered correctly. Unable to access my account. 
XXXX I was unable to look at all my security questions. XXXX of the security questions I don't recall adding to my account. I can no longer find the question XXXX My updated information was not transferred to my other membership accounts. 
XXXX I requested a fraud alert on my account due to having incorrect military information and fearing my identity has been stolen. No help that day. 
XXXX Only being able to submit XXXX dispute at a time. 

It is unacceptable for a credit bureau to have these complaints. Disappearing information, incorrect freezes etc. It is unacceptable that there are XXXX logins. They are making it harder for their clients not easier. The credit bureau should be held to the same standards as financial institutions and banking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
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: Was not notified of investigation status or results

Complaint:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation