BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
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 XXXXXXXX : # 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 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 2023-02-20
Company: EQUIFAX, 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:
Dear Bureau, I am a victim of an Identity Theft and this is my official statement for dispute. I have an account on my credit report which doesn't belong to me. I enclosed in this letter an Identity Theft report and notarized Affidavit proving that this account was opened due to fraudulent actions. I am also attaching to this letter a copy of my Drivers License and a copy of my SSN to verify. 

Please remove this account or let me know what else I should provide you. 

Name of the account : XXXXXXXX XXXXXXXX XXXXXXXX It was opened on : XX/XX/2018 This account was closed by letting the lender know that this account doesnt belong to me. But unfortunately at that time the account was transferred to the fraud department. This account is not mine, please remove it from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax data breach in XXXX I placed a freeze on my credit with Equifax, XXXX  and XXXX XXXX. On Tuesday, XX/XX/XXXX I applied for a COVID-19 Economic Injury Disaster Loan for my small business. In applying for the loan it was stated that my personal credit would be assessed for underwriting. I easily temporarily lifted my credit freeze with XXXX  and XXXX XXXX online. The online method for temporarily lifting a freeze with Equifax could not verify my identity and stated that I had to call their customer service number to proceed. After speaking with three different customer service representatives from Equifax, providing all the correct requested information and waiting on hold for over two and a half hours Equifax refused to verify my identity or temporarily lift my credit  freeze and at XXXX sharp the call was disconnected by Equifax . I do not know what to do. My credit is frozen with Equifax and they have completely locked me out of their system with no recourse. Without lifting the freeze I will not be able to receive a COVID-19 Economic Injury Disaster Loan. Without the assistance of COVID-19 Economic Injury Disaster Loan my business will fail. How is it legal that this company can hold my credit hostage causing my business to fail? They are preventing me from receiving the help being offered by the Federal Government to keep my business from failing during the COVID-19 pandemic. I have a credit score of XXXX and Equifax is holding my credit hostage and locked and I have no recourse. For what purpose do they exist then? What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Report Act XXXX, XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX, XXXX  Account # XXXX, has violated my rights. 

2. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

3. XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions

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 2020-06-05
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:
After disputing my adverse information that was falsely reported, XXXX rectified the issue on their end. Trans Union has up until this point refused to rectify the issue on their end. Now that the finally acknowledge their errors, on XX/XX/2020, Trans Union went ahead and removed the account from my credit file entirely. Now they are stating that this is why my credit score hasn't gone back to where it was prior to XXXX falsely reporting that I was 30 days late. I contacted XXXX, which confirmed that they didn't remove their file from my credit report. They actually reported to Trans Union on XX/XX/2020, that there are no issues with my account, and there has never been any issues with my account. I've contacted Trans Union, which refuses to provide me with any type of proof that it was XXXX deleted the account. When connected with a supervisor, his exact response as to why he wouldn't provide the information to me was " I don't have to. '' The document I am providing proves XXXX is reporting the account as current.

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 2023-10-18
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have submitted my Employment Certification for all of my nonprofit employment periods and my eligible payments towards PSLF has not been applied. I should over 120 payments to begin my loan discharge but MOHELA/Fed student aid has failed to count these correctly and applied them to my qualifying/eligible payments for the dates of XXXX. Ive been told I just have to wait but XXXX and MOHELA has had this paperwork for over 3 years but they are not applying it correctly. And I asked for Forbearance or pause to monthly loan payments until issue resolved and they have denied my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a collection from XXXX, sold to XXXX in the amount of XXXX. Balance is too high, I have provided the initial contract, where I financed a phone for {$390.00}, no finance fee, month to month phone service and {$0.00} cancelation fee. Balance of {$1000.00} is extremely too high. I have contacted XXXX, Transunion numerous times to change, and now I want deleted. It is against my rights to report information knowingly inaccurately. There are 2 accounts on my credit report that are charge-offs but are reporting balances. XXXX is suppose to report {$0.00} dollar or no balance but is reporting a {$690.00} dollar balance. My credit score has went down 27 points placing me further away from qualifying for a home loan. My husband is a XXXX veteran, and I have an XXXX son. This home is vital to our living as space and peace is needed for my family. My income and score is an essential part in us qualifying for a home loan. It is against my rights to report inaccurate information knowingly. XXXX XXXX reports a balance of {$450.00} dollars to a charge-off account. Balance should be {$0.00} or nothing reported. I want both accounts deleted from my credit report. This has been a continuous battle for me and has caused me a lot of emotional distress due to constantly battling for my right to an accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
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:
TransUnion opened my information and have people posting trash on my record. Every fake, none sense and outdated account they presented for collection, TransUnion say sure, put it in. When I make a dispute, TransUnion denied my request, and said that they are his partner or the bills are correct as it is. For example, {$15000.00} from XXXX XXXX XXXX XXXX. I was I there for about two months and the apartment has snakes and molds, so I moved out with notice. And I notified the court of clerks. XXXX XXXX XXXX pretending that they got me evicted. I never received and eviction paperwork. I checked with the clerk of court, the clerk of court said they brought a paperwork for eviction, I was already moved out. Also, the clerk of court said the do not no about the lawsuits of {$15000.00}. The owner abuse his power to abused me. I hand up lost all the money from my saving, and my job to leave in motel as a homeless. I am seeking financial damages from TransUnion Again, a XXXX XXXX XXXX that closed due to data breaches. TransUnion help them post it so many time with a creation of new account number. I do not owe that debt. Someone else was shopping on my name while I was shopping for furniture online.

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 2022-11-01
Company: Conn's, 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:
I have reached out to the 3 major credit bureaus to take off inquiries and reporting miss information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: CA
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 identity was stolen and used fraudulently. I dispute the account and the debt attached to it. I have since filed a claim with the FTC and have the claim number to prove it. I want to inaccuracy removed from my credit file immediately. The report number with the FTC is 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 2023-04-22
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a title loan on my motorcycle for roughly XXXX dollars the bike was stolen 2 weeks later I reported it to them but they wouldnt stop intrest which was outrageous I told them the loan would be paid by insurance soon ling story short it took me a month to settle with XXXX an interest was going up daily so it end up costing me an extra XXXX dollars that it shouldnt have and I want my money back it was for a XXXX XXXX I could have gotten the bike back from insurance when they found the bike but didnt have the money because they got majority of my insurance check of XXXX dollars all for a XXXX dollar loan for 2 weeks. On top of that I get a letter stating they lost my ss number and all important info of mine due to a security breach so I think this company owes me money.. I was trying to buy a house and my info is out there somewhere being used by who knows. So what happens to them for giving my personal info out to a hacker that will try an ruin me even further the motorcycle i lost the chance to recover from being stolen was my dream bike and never will get a chance to own it it was a pristine condition bike worth XXXX dolllwrs to me atleast original paint low miles one of a kind survivor I hate this company for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
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:
XX/XX/XXXX, I sent in a factual dispute letter to XXXX XXXX XXXX after looking over credit reports I ordered on XX/XX/XXXX to let them know that my account has always been missing the estimated date of removal. I also sent one to XXXX on XX/XX/XXXX. I have attached those documents below. 4 days later I emailed a letter to the CEO XXXX XXXX and explicitly stated that I'd just mailed out letters of disputes to the bureaus for this account because they didn't add an estimated date of removal for the account and I wanted to know why. The dreaded XXXX ( one of their senior account specialists ) contacted me back and told me my reports would be updated to reflect the estimated removal date. This never happened. 

I sent a 2nd round of factual dispute letters to XXXX and XXXX on XX/XX/XXXX & XXXX asking that they delete the Bank of America tradelines off my reports entirely because they'd failed to run a proper investigation or provide proof of my estimated date of removal as I'd asked. They kept sending it back as accurate without any proof of said accuracy. 

No one should ever have to go through all this to have these entities that have our financial lives in their hands do what they're required BY LAW to do. 

So in XX/XX/XXXX I realized that even though this was supposed to fall off in XXXX it was still on my report and I emailed Bank of America 's CEO again about it except this time I was XXXX. I attached screenshots to them of my credit reports that had always reflected XX/XX/XXXX as my date of first delinquency and I've also attached those documents to this complaint. I told them I would report them if they didn't remove the account from my reports. 

XXXX is the person who called me to follow up but we never spoke and kept playing phone tag then I received a letter from her in the mail stating that nothing would be removed because they are reporting accurately when they're NOT. 

If they report so accurately, why have my reports always shown date of first delinquency as XX/XX/XXXX? Why does my XXXX report CURRENTLY state that my account was closed on XX/XX/XXXX? If my date of first delinquency was XX/XX/XXXX then how was it closed in XX/XX/XXXX? 

What kind of geniuses are employed over there?

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 2023-04-22
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) falsely put a late fee on me a month after I moved out and my lease had ended and was paid up and sold the debt to pro collection Inc which caused a delinquent on my credit and me to lose XXXX points damaging my score. Pro collection Inc requested proof in which I sent in as well as the XXXX XXXX because in their words they lost track of all information when the property manager resigned.i have sent in proof that I moved out a week early and turned in keys I've sent proof of my new lease start date light bills last rent payment receipt for XXXX XXXX and so on both companies keep assuring me that they are going to fix it yet Pro collections keeps leaving voice mails on my phone from the number provided even though it's not the company number. Pro collection number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is 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 2023-08-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or 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 2022-10-31
Company: OneMain Finance Corporation
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:
I have reached out to the 3 major credit bureaus to take off inquiries and reporting miss information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 went to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to see about purchasing a vehicle. The representatives informed me that he was going to do a soft pull of my credit. However, they did a hard pull that resulted into inquiries I do not recognize or authorized. This is having a severe negative impact on my credit. I never gave anyone permission to do a hard pull. Only inquiry I authorized and have knowledge of is 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 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account below : XXXX XXXX XXXX XXXXXXXX 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 2023-04-22
Company: EQUIFAX, INC.
State: CT
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 XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation