BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
XXXX previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from XXXX for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an XXXX  collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that XXXX had filed a negative mark on us. 
On XX/XX/XXXX we spoke w XXXX  who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. Experian confirmed on the same day that they had yet to hear from XXXX. 
We followed up w XXXX on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w XXXX. The XXXX rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w XXXX. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. XXXX suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from XXXX removing the mark. 
We lastly spoke w XXXX  Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that XXXX  credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
Experian still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.

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 2022-05-13
Company: Experian Information Solutions 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:
FCRA violations : inquires not mine XXXX XXXX XXXXXXXX XXXX XXXX this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX : XXXX Dispute not available XXXXXXXX XXXX XXXX  icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX years XXXX  days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX year XXXX  months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX  months XXXX days XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed XXXX months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  months XXXX days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX months XXXX  days XXXX XXXX XXXX XXXX XXXX  XXXX Dispute not available XXXX XXXX mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX month XXXX XXXX XXXX # XXXX : XXXX Dispute not available XXXX XXXX  mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX day XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX XXXX mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days XXXX XXXX XXXX XXXX  XXXX Dispute not available XXXX XXXX mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days XXXX FCRA violations : payments never late XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
XXXX previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from XXXX for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an XXXX  collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that XXXX had filed a negative mark on us. 
On XX/XX/XXXX we spoke w XXXX  who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. Experian confirmed on the same day that they had yet to hear from XXXX. 
We followed up XXXX XXXX on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w XXXX. The XXXX rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w XXXX. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. XXXX suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from XXXX removing the mark. 
We lastly spoke w MBFS Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that MBFS credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
Experian still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 non-monetary relief
Consumer complaint received 2022-11-13
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 files this complaint earlier : In accordance with the Fair Credit Reporting act, 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 I don't recognize XXXX XXXX XXXX which shows on my account as a Collection. I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. if this can't be provided then I request the collection be taking off my account or I will take legal actions. 

Equifax ' response : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : XXXX XXXX XXXX ( SUPPORT XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 
This investigation failed to provide me with the initial proof of debt collection i earlier requested which is : 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It's been over XXXX days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had XXXX days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The account does not belong to me 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 states a consumer reporting agency can not furnish an 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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am requesting XXXX XXXX bank and all the credit bureau to fix my credit report to be clean. I never missed any legitimate payments. I always make my payments on time. My account with XXXX has been misused by someone and I am still in contact with XXXX XXXX to investigate these transactions so everything can be fix and resolved but the kept reporting the debits to the credit bureau. I dont owe those therefore I am not responsible to pay for it. I want XXXX XXXX bank to stop reporting negative on my report till they investigate the transactions on my behalf. I want my credit score to be clean and go back to the how good it used to be.

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I've sent several disputes concerning these inquiry on my Transunion credit report ; these inquiry is fraudulent and I want them removed.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-30
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was charged off on XX/XX/2023 there have not been a 1099c  sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.

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 2022-11-13
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: Investigation took more than 30 days

Complaint:
It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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 is missing that should be on the report

Complaint:
XXXX has not reported my previous history of loans and has failed to update the credit beauros with the updated status of each of my previous loans. I have submitted a dispute to XXXX and XXXX in effort to have my credit report updated with my full history of loans with XXXX. Unfortunately, this process has been slow, and they have not reported the loans. This is a violation of my rights, and I am requesting assistance.

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