BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2021 I sent out 609 letters to all three credit bureau in request to investigate, validate, and remove the accounts in dispute ( see later ). In doing so, I requested a report with in 30 days due to federal law and have not received any response from either credit bureau. My inability to be able to obtain credit has altered my life. i am not able to get a car in my name, a home for myself or maybe even help starting my XXXX  to better my lifestyle due to the reports to my credit. I have attached all three copies of my 609 letter 's to show proof of contacting each party. I wished not to go to these measures however it was necessary. because i am struggling to build credit and can not be approved for any credit building cards or opportunities. All company information involved ( 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 2023-05-01
Company: Guild Mortgage Company LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Regarding previous CFPB complaint # : XXXX I originally sent a complaint on XX/XX/2023 and never received the letter regarding the information I requested. I then sent an email to Guild Mortgage LLC and no one is helping me get this information-they are just passing me around to another department ( between customer service and loss mitigation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Utah System of Higher Education
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
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:
My student loan is held by XXXX. I had issues creating a profile and logging into my online portal. I called the company and they said there were known issues with their mobile app and I should try to set up my account on a desktop computer, which I do not have access to. They did take my payment over the phone and it brought my account current. I found out after this that although they send me a bill for 1 student loan payment, they turned in 5 separate delinquencies to the credit reporting agency. This had a detrimental effect on my credit score. 1 reported delinquency for the student loan payment I owed would have been correct. Instead, they reported each semester of school as a separate late payment. This doesn't seem like fair credit reporting practice to me. I called and they said, it's their policy to report that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
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 Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
I checked my credit report and saw 1 hard inquiry by XXXX XXXX that was not mine. please have this removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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: EQUIFAX, INC.
State: NV
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:
I have checked my credit report and saw these inquiries that I did not authorize and wanted these items to be removed from my report. Below are the inquiries XXXX XXXX  XXXX, Inquiry Date : XXXX  ( The inquiry was not authorized ) 2. XXXX XXXX XXXX , Inquiry Date : XXXX  ( The inquiry was not authorized ) 3. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) 4. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) 5. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX XXXXXXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) TU XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
To Whom It May Concern : I am completely distraught after I tried for the third time with Transunion to remove a Chapter XXXX  bankruptcy that was fraudulently filed in my name. Docket XXXX Date showing filed XX/XX/XXXX and paid XX/XX/XXXX from US Bankruptcy Court Attorney XXXX  XXXX XXXX. I did not file this bankruptcy and I have been sending them documents since XX/XX/XXXX. I've even hired a reputable credit repair business to assist me and Transunion is refusing to remove it. As you can see this is of a serious matter and affects everything from credit card to loan applications. A Transunion agent was yelling at me on the phone today screaming in my ear that they did not receive my documents which is a blatant lie. I decided to turn to file this complaint as no other option.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX XXXX 2022 I paid for Credit Repair services to remove negative accounts and hard inquiries that were affecting my opportunity for advancement, such as lending for a home. I became educated on consumer laws, XXXX, XXXX  compliance laws. XXXX of 2022 I have spent thousands of dollars on Credit Repair dispute letters, and little impact on the areas that are harming my credit the most. Charge Offs, late payments, hard inquiries - areas that can be considered illegal. I paid off collection agencies without realizing that the debt was taxable income, that it is illegal for creditors to conduct business in a harassing manner all while the debt had been cleared. Paying debt did not increase my score. Hiring a credit repair service has disputed with the agencies, however they are factual disputes versus consumer laws, XXXX XXXX compliance and a plethora of USC violations. 

I have a 17 Hard Inquiries from this year alone from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - XX/XX/2022 ( none attached to open accounts and not authorized ) I have Late payments from XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( disputed still pending )/ XXXX  XXXX XXXX These negative accounts are in violation of XXXX XXXX Compliance Laws, Fair Credit Reporting Act, Equal Opportunity Act, Consumer Laws, specifically Collections/charge offs/inquiries/collections 15 USC 1681 B ( SECTION 604 ) 15 USC 1681 C-1 ( SECTION 605A ) 15 USC 1681 C-2 ( SECTION 605B ) 15 USC 1666 Correction of Billing errors 15 USC 1681 B permissible purpose of consumer reports

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 2022-04-30
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: Reporting company used your report improperly

Complaint:
On XX/XX/2022 i submitted a dispute to the credit bureaus. The investigations were completed and the Credit Bureaus stated that the accounts were properly investigated but how is that possible if the last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is ground for removal. They also violated my rights under 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

XXXX XXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX These accounts need be deleted immediately. 

Also update my Personal info. I only have one name ; XXXX XXXX XXXX I only have one address which is my current address. 

I also ordered a copy of my XXXX credit report ( XXXX, XXXX, Equifax ) simply to make sure the accounts were properly investigated. I have came across over 21 violations on my credit report. EVERY violation is circled on the attachments included in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER ASSOCIATED WITH THAT COMPANY AND HAVE NEVER REQUESTED ANYTHING FROM THEM. I AM A VICTIM OF AN IDENTITY THEFT AND THE ACCOUNT WITH THEM UNDER MY NAME IS NOT MINE, IT WAS NEVER MINE, I HAVE NEVER MADE ANY PAYMENTS OR I REQUESTED TO HAVE THIS ACCOUNT, I HAVE SENT THEM PER THEIR REQUEST ORIGINAL POLICE REPORT, ALONG WITH MY IDENTITY THEFT REPORT AND SIGNED NOTARIZED PERSONAL STATEMENT THAT THIS ACCOUNT IS NOT MINE. THERE IS NO ADDITIONAL INFORMATION I AM ABLE TO GIVE THEM AND UNFORTUNATELY I HAVE NO IDEA WHO THE THEIF IS. ALL I KNOW IS I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NY
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:
Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that EquifaxXXXX didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: MI
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:
HEY, I sent multiple letters asking Experian, XXXX, and XXXX. Here is my tracking number XXXX. 
It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i- Experian, XXXX XXXX and XXXX have XXXX to investigate and send me the results. 

And they also didnt even record the current status of the disputed information which is another violation. 

Also If they are doing investigation why arent they showing me documented proof. 
THEY CAN NOT GET PROOF FROM THE COLLECTION AGENCIES OR JUST BY CALLING THEY NEED DOCUMENTATION.

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 2018-10-17
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
Unknown For Profit Corporation Credit Plus Date of Inquiry : XX/XX/2017 Reason : this inquiry was made without my knowledge or consent and I disputed, and requested to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately. They have ignored several request to  provide supporting documentation. I tried calling to get a response, but was told it was requested by myself via XXXX XXXX which I have never heard of. 


I contacted Credit Plus and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the  information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete To my knowledge, I have not signed any documents authorizing Credit Plus or XXXX XXXX to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If they are in possession of any document that believe I authorizes their organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure they will agree that verifying my information is in their best interest. Finally, assuming they do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, Credit Plus also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3100.00} XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1600.00}.

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 2021-07-06
Company: Bread Financial 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation