BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I made my typical monthly payment to XXXX on XX/XX/XXXX only to have it returned to me in XX/XX/XXXX. When I called to find out why they sent me a check for the same amount of XXXX they stated my loan was due to be paid off by XX/XX/XXXX which I was not aware of. 
I asked them how this would impact my credit since I did make the payment and they said it most likely would show delinquent. I ended up wiring the payoff amount immediately after finding out it was due for XXXX on XX/XX/XXXX. I just checked my credit history and it is showing delinquent for not only XX/XX/XXXX but for XXXX too. I have attached screenshots from XXXX to show payments were received and therefore should not be delinquent for both months.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). Transunion, XXXX and XXXX refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

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 2023-02-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company calls me many times a day, I've repeatedly told them that the person they're calling for is not at this number, they refuse to put my number on a Do Not call list. 
The company seems to be Midland credit management. 
For the last year they've refused to even tell me the name of their company when I answer, the only reason I got it was I pretended to be the person they were calling for once, once they told me who they were, I informed them that this is not their phone number and to put me on the Do Not call list. That seemed to make the operator angry, even though I told them directly I just said yeah to the name they gave, and that was not in fact me I just needed to know what company was repeatedly calling. The operator used foul language with me and hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Got approved for an auto loan through XXXX XXXX XXXX XXXX  on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TRANSUNION LLC is using my private information regarding 501 ( c ) ( 1 ) TAX EXEMPT ENTITY in PROHIBITED TAX SHELTER TRANSACTIONS for purposes of EMBEZZLEMENT pursuant to AGGRAVATED IDENTITY THEFT in commerce without consent nor return of benefit without XXXX or XXXX forms ever being filed. 

TRANSUNION BOARD OF DIRECTORS given notice of damage FROM TRIBAL LEADER via XXXX CERTIFIED MAIL NUMBER XXXX XXXX XXXX XXXX XXXX and refused opportunity to cure. 

TRANSUNION BOARD OF DIRECTORS now being given NOTICE OF INTENT TO LIEN and INTENT to SUE.

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 2018-10-24
Company: EQUIFAX, 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 have disputed this collection on this XXXX, XXXX XXXX  XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
# XXXX, Account name : XXXX & XXXX Original creditor : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitted two disputes to Transunion for my XXXX  XXXX account being reported late as of XXXX and XXXX of XXXX. The XXXX XXXX account was CLOSED and paid in full on XX/XX/XXXX. For some reason, XXXX XXXX reported it OPEN and LATE even though I called XXXX  XXXX and they apologized and said they will add a note to update the report with the accurate information which they mentioned that the account was paid in full on CLOSURE date and was never late. I disputed with XXXX and they removed the late payment and properly closed and documented the account. 

The first dispute was on XX/XX/XXXX and Transunion came back and still reported my account as XXXX and late but they removed XXXX and kept XXXX as late ( what? ). I then submitted another dispute on XX/XX/XXXX and they came back and reported my payment history to be 100 % but my pay status was late 30 days even though the payment history has already been updated as never late and the pay status does not even say when the account was late which was ridiculous. I have tried to reach Transunion multiple times and their representatives keep telling me to dispute again. I should NOT dispute an item three times for Transunion to get it right or investigate right. They probably never even contacted XXXX XXXX. Corrupt company and disgusting behavior.

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 2022-12-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Got approved for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The items I am questioning are fraudulent and that are all unknown to me. Based on FCRA Section 605b, It is the resposibility of the Credit Bureaus to remove these inaccurate items which are not belongs to the owner. The following items needs to be removed immediately on my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX XXXX  Balance {$3400.00} ; XXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXX, XXXX XXXX XXXX : {$48.00} ; XXXX XXXX XXXX XXXX  Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$360.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} ; XXXXXXXX XXXX  Inquiry : 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 2022-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquires on my credit report that I did not give my written permission to have pulled one being XXXX, along with several others I don't even recognize. 
I've filled a report with IdentityTheft.gov and also with XXXX XXXX XXXX Experian. 
I will attach the report I've made with IdentityTheft.gov below. 

Also when I applied for my auto loan with the dealer they said that they would only be applying with XXXX of Texas, and that I would only have 1 single inquiry. 
I never gave permission for any other inquries, I will list all below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never once even heard of " XXXX XXXX '' being used for my auto loan. 
As you can see it was pulled serval times on different dates. 
I would like all these fraudulent inquires 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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reached out to XXXX, Transunion, and XXXX XXXX numerous time. The dispute from XX/XX/XXXX is still open. I am only allowed to add supporting documents to the open dispute. XXXX has updated my late payment for XXXX XXXX account. However, XXXX, transunion, and XXXX XXXX has not made any changes. I have sent in the forgiveness letter including supporting documentations. I have inform XXXX, Transunion, and XXXX XXXX. 

According to 15 USC 1681s-2 ( f ), during the covered period, which encompasses the time frame directly affected by the Covid-19 pandemic, furnishers of information are required to make accommodations regarding the reporting of late payments. These accommodations are intended to provide leniency and flexibility to individuals facing financial difficulties resulting from the pandemic. 

Covid 19 was declared on XX/XX/XXXX. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. Therefore, this clause is still applicable until XX/XX/XXXX. 

In section ( bb ) under covered period, 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

After calling and calling and sending in letters to accommodate my situation under the Covid 19 covered period. XXXX, Transunion, and XXXX XXXX have yet to remove the Late payment for XX/XX/XXXX. These are not following the law. 

I kindly request that you investigate this matter and ensure that the reporting of late payment ( s ) during the covered period on my account is accurate and in compliance with the accommodations outlined in 15 USC 1681s-2 ( f ). I request that you contact the creditor, XXXX XXXX, and initiate an investigation into the reported late payment ( s ) during the covered period. XXXX XXXX have verbally stated they will not forgive my late payment under the covered period. This is against the law.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Got approved for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit 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 2023-08-20
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-12-28
Company: Dave Operating, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I asked the company to stop all payments XX/XX/2022 and have taken out a XXXX dollar out of my bank account ending in XXXX XXXX on XX/XX/2022 i am unable to login to account know ask why called and said my account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX and Transunion are reporting incorrectly that I am 120 past due on XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 past due on an account with a {$0.00} balance and {$0.00} past due.

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 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX Bank of America # XXXX. My income was decreased at XXXX XXXX and Social Security for no apparent reason. I talked with Bank of America about the problem. They agreed that I was unable to pay the debt and charged it off. Now it is appearing again, not to be cleared until XX/XX/XXXX. I explained to them that I was permanently XXXX and elderly, now on an extremely low income. By continuing to report this resolved debt for several years past the 7-year report period, I am continuing to be unable to rent an apartment or other necessities. This is undue hardship on top of on-going financial hardship.

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 2019-03-05
Company: EdFinancial Services
State: MA
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 my taxes with XXXX XXXX a couple weeks ago, around XX/XX/XXXX, and they gave me the option to check my credit score. Once I did, I found that there was a credit card opened in my name in XX/XX/XXXX and a school loan opened in XX/XX/XXXX. None of these are mine. I am XXXX and in XXXX i would have been XXXX  so there's no way I opened that card and i-I 've never applied for a school loan. They are still using the card because I see it being updated on my credit report.

Company response to consumer: Closed with explanation