BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
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: Account status incorrect

Complaint:
Upon thoroughly reviewing my credit report file, I have identified multiple inaccuracies in the reported information, including opened dates, last activity dates, last payment dates, and balances, which require immediate attention. 

The specific inaccuracies I wish to address are as follows : XXXX XXXX Account # XXXX : Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Last Activity Date : The reported last activity dates on this account are inaccurate. The accurate last activity dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I respectfully request you to verify and validate all data associated with this account. 
Last Payment Date : The reported last payment dates on this account are inaccurate. The accurate last payment dates are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Balance : The reported balance on this account is incorrect. The accurate balance is {$880.00}. I respectfully request you to verify and validate all data associated with this account. 

These inaccuracies not only violate my rights under the Fair Credit Reporting Act ( FCRA ) but also misrepresent my credit history, financial responsibility, and current account statuses. To rectify this situation and ensure the accuracy and fairness of my credit report, I am formally requesting the immediate removal of these erroneous items from my credit report. 
I am drawing your attention to the XXXXXXXX XXXX XXXXXXXX case, which exemplifies how incorrect reporting can negatively impact consumers ' rights and financial well-being. In the XXXX case, XXXX failed to remove inaccurately reported items despite discrepancies, highlighting the critical nature of accurate reporting and adherence to FCRA guidelines. 

Under my rights granted by the FCRA, I demand the swift removal of the aforementioned inaccuracies to restore the accuracy and fairness of my credit report. I kindly request written confirmation upon the completion of your investigation and the correction of these inaccuracies. 
I sincerely appreciate your prompt attention to this matter. 

Your assistance in resolving this dispute and upholding the accuracy of my credit information is invaluable. Should you require any further information or supporting documentation, please feel free to contact me at 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 2023-06-19
Company: Experian Information Solutions Inc.
State: NV
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:
This credit card account with XXXX has been closed and charged-off since XX/XX/2019 in the amount of {$170.00}. I've disputed this item with XXXX but they claim they can not find my account. XXXX can not verify my account however, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

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 2023-12-18
Company: EQUIFAX, INC.
State: MI
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 have 2 inquiries on my Equifax credit report that I didnt authorize XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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: Old information reappears or never goes away

Complaint:
It's been a struggle getting through all of this, so I'm making this CFPB complaint to ask the credit reporting companies to totally remove the disputed fraudulent accounts and information from my credit file. How many times do I need to notify the credit bureaus that I was a victim of identity theft and that the accounts I'm disputing were the consequence of the crime? In order to rectify my credit file, I've been requesting from the credit bureaus to take away the disputed items. If the credit bureaus assert that the disputed items are mine, they should also send me copies of their verification. But I've been disappointed with the Credit Bureaus since they haven't sent me copies of the documentation I have. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Also, I have been sending letters of disagreement to the credit bureaus, along with entire identification proof documents and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 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 explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I got a letter from Wakefield and Associates saying I owed a dept of {$530.00} to them on a medical bill. Letter contained no info on what bill from where or any specifics. Called them spoke with a man who said it was a bill from XX/XX/XXXX of XXXX owed from XXXX XXXX XXXX, asked him what to do he told me contact my insurance to see why it's come to them. Called saint jessamine east the hospital I took my daughter to in XXXX and they said I had no bills owed. I spoke with my XXXX health plan also. Nothing owed the bill for that date was paid! Called them again on XX/XX/XXXX a gentleman I spoke with said my bill for the account was now from XX/XX/XXXX of XXXX and he couldn't even find something for what I was describing. This man stayed on the phone with me while I called my XXXX care source since in XXXX care source switched to another insured company. He kept telling me once the guy on my XXXX spoke with their insured agency I would need to hang up. The man through XXXX was XXXX he said do not give them any info he was going to send it to resources. He tried solving it for me when he spoke with their insurance agency they hung up on us. These bills have been PAID. I called back today XX/XX/XXXX some lady tried to play the same stuff over with me I asked her why people paid but still owed? Asked her why they were reported to the fbi, fcc and bbb. The lady XXXX told me they probably hung up on me due to the headsets not working. This is a lie I told my XXXX they wanted a letter of eligibility to prove payment and my XXXX said they don't provide something like this for whatever reason. Point is these bills are paid I tried showing the company they are paid and they are doing nothing. Saying it will go against my credit in 19 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-12-18
Company: EQUIFAX, INC.
State: SC
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:
A XXXX credit card has sbown up on my report with a missed payment from XX/XX/2022. I am not the correct owner and my report shows authorized user. I never approved this. I do not have access to this credit card. You have the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
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:
I am a victim of identity theft, and Dept of treasury has fraudulent accounts on my credit profile that need to be 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 non-monetary relief
Consumer complaint received 2023-06-19
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:
This is my NUMEROUS 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 belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-04
Company: CBC Companies, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have requested a copy of a free consumer report regarding me and have not received one as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently checked my Credit Score and noticed it was a lot lower than I thought, upon reviewing my Credit Report, I noticed there were items reporting to my Credit that I did not open myself and that there was incorrect information reporting as mine. I sent in proof of my identity, I have made calls, I even filed a report for identity theft. The items still haven't been 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 explanation
Consumer complaint received 2019-08-22
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to close my Comenity XXXX XXXX and XXXX XXXX accounts since XX/XX/XXXX. 

In XX/XX/XXXX, I agreed to pay them {$100.00} dollars by ACH a week until the debt was paid. By XX/XX/XXXX, the debt was supposed to be paid in full. They did not take the payment. Me thinking the account was settled, I receive a phone call in XX/XX/XXXX saying that I was {$160.00} dollars behind and both accounts are behind because of late fees. So again I pay another {$100.00} and they agree to close the account and the accounts still have not been closed. 

I just want my accounts closed and my XX/XX/XXXX payment refunded and the derogatory remarks removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TN
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'm a victim of identity theft. I have field a police report and FTC report according to the FCRA and submitted these documents to the credit agencies. They are not being processed correctly and I am not getting copies of the verification process These accounts are : XXXX XXXX XXXX and 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 2023-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

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 2019-08-22
Company: U.S. Auto Sales Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or misleading advertising or marketing

Complaint:
USA AUTO SALES HAVE A REFERRAL PROGRAM WHERE WHENEVER A CUSTOMER REFER ANOTHER CUSTOMER AND THEY PURCHASE A CAR THEY SEND A CHECK FOR {$200.00} TO THE PRIMARY CUSTOMER THAT REFERS THE NEW CUSTOMER. HOWEVER THIS IS THE SECOND TIME THAT IVE HAD AN ISSUE WITH THEM ABOUT THE SITUATION. I HAVE FOLLOWED ALL PROCEDURES OF GUIDELINES OF WHAT THEY ASKED BUT YET THEY ARE LYING AND KEEP GIVING ME THE RUN AROUNDS ABOUT THE SITUATION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation