BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This was my 2nd CFPB complaint and a follow up to notify the XXXX, XXXX and TransUnion that below is a list of inquiries that are not associated with me and were opened without my permission. And from today counting 15 days that I am so much expecting a deletion result update to happen in my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX/TransUnion/XXXX agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my 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 2020-04-10
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020, I received a washer and dryer from Conns. After coming home from work I noticed scratches and a dent at the bottom of the dryer. I contacted the store immediately and was told to contact the customer service number. After I submitted a request online, I was offered a {$69.00} deduction for the damages, however, I received nothing in writing. I also notified the store and the customer service department that the {$100.00} admin fee was not on the contract that was made available for me to sign on line. I was unable to retrieve a copy of the contract that I signed. The fee was added after the contract was signed. I informed the store manager that I wanted to return the appliances due to the damaged dryer and the {$100.00} hidden admin fee that was not disclosed upon signing the contract. I was told by the store manager that I had to pay the restocking fee before he had the appliances picked up. He tried to force me to pay the restocking fee yet the appliance was damaged. A few days later, the washer began pouring water from underneath which flooded my entire laundry room, dining room and garage. The appliances are not 14 days old. I returned the appliance to the store and the manager stated that I could not return the appliances to the store and that I owe because its a voluntary repossession. The appliances are damaged and the store is still trying to force me to keep them. The manager laughed and was unprofessional as I was explaining my issues to him and his staff members. I waited a week to receive some type of resolve with no phone call. I called customer care at the home office store and have not received a response. The appliances have been returned to conns on XX/XX/20. I have pictures as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Information belongs to someone else

Complaint:
I paid off credit card account with XXXXXXXX XXXX but received notice of adverse action for not making payments. When I contact XXXX regarding the adverse action they tell me that I only have one account listed under my social security number and that the balance is {$0.00}. 

However when contacted by Transunion they changed the account to my name. When I called today XX/XX/2022 at XXXX am pst, I am told again that there is only one account under my name and that account has a balance of {$0.00}. 

How do I resolve the issue of an alledged delinquent credit card with XXXX when I do not have the account number and XXXX says it can't find the account.

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In rebuilding my credit after having identity theft last year I was instructed to sign up for new credit card. I signed up for XXXX XXXX card in XXXX. The card showed up immediately on my TransUnion, XXXX and XXXX  credit reports starting in XXXX. 

Since XXXX my XXXX report has had no further payment updates. I have made all my payments in full each month since I received the card yet XXXX  incorrectly shows I have a balance of {$990.00} which is last month total due which was paid on time. 

For XXXX they show the same balance that has been unpaid. They show I have paid on time for XXXX and XXXX but they are missing XXXX. 

For TransUnion  they show the same balance that has been unpaid. They show I paid on time for XXXX but XXXX and XXXX is missing. 

I called all three agencies and they told me XXXX XXXX has not been updating their data and I should contact them. 

I called XXXX XXXX and they said they have given all three agencies update data through the end of XXXX. They said I should speak with the agencies. 

I am at an impasse and as of this last weekend my TransUnion score dropped by 30 points and my XXXX call dropped 23 point as a result of this miss-information. 

As a result of this miss-information the FICO scores that I have worked so hard to rebuild have been seriously impacted.

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 2023-03-08
Company: Experian Information Solutions 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-07
Company: DISCOVER BANK
State: PA
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 company DISCOVER BANK clams charged-off with a owed balance of {$5400.00} This is a formal notice that your claim is disputed. they have false, inaccurate and fraudulent information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

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 2020-04-10
Company: EQUIFAX, INC.
State: NE
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:
Company : Equifax Issue : They have my credit information mixing with another person. 
Steps taken : I have called and talked to 3 different representatives and received 3 different stories. 
Was initially asked to fax in my driver 's license, social security card, and cover sheet with summary of issue. Sent on XXXX after conversation on XX/XX/XXXX. Was told to wait 2 business days and call back to get status update. Called on XXXX, spoke to XXXX ( a second rep ) and was told to call back after 5-7 days of original call, nothing had been received, noted or recorded at that time.Called XX/XX/XXXX and spoke to XXXX, a 3rd rep, and was told that they are not receiving any faxes and would now have to mail it in and should expect to follow up in 30 days. She also said she " found my file ''. I asked if i could get any information as to a file number or any information I can use to expedite future calls, she said there is no information like that. 
I tried to get this fixed 4 years ago and went as far as to mail in my DL, SS, and another credit report. They said they never received any of that information. 
They refuse to notate anything and tell me that they can't do anything until they receive the information that i have sent to them on multiple occasions. 
I need resolution to this as it is affecting my ability to finance. I have no issues with either of the other two reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-04-10
Company: Experian Information Solutions 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}

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: 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-04-10
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}

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 2020-10-12
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: Account information incorrect

Complaint:
XXXX XXXX XXXX allowed me during Covid to delay my payment. Then, they reported me 30 days late to the credit bureaus

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 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX I got a Credit card with a {$500.00} limit from Capital One bank when I came home from prison in 4th Quarter of XXXX. I got the card just to establish credit and I spent approximately up only {$300.00} on the card and paid {$100.00} on my first two payments. The amount I paid down on the card was well over the minimum amounts due yet to my disbelief I was told that I owed over {$350.00}. This made no sense at all even with their ridiculous XXXX 19 % interest on their janky credit card. I never paid them again and told them XXXX YA 'LL close this account with that XXXX! 
It's XXXX and Capital One Bank now has a third party company, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX, writing me as of XX/XX/XXXX for {$400.00} well over the amount on what I browed and paid down. They continue to violate my rights as a consumer well over 10 years later even though I filled a bankruptcy sometime between XXXX XXXX after my daughter was born. My child is now XXXX XXXX XXXX. 
Capital One Bank has sold my petty debt 12 times since I told them to XXXX off with that XXXX. Here are the 12 companies who have participated in violating my rights as a consumer to protect myself from fraud, lies and overall bad business practices : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Originator XXXX XXXX The above harassment violates XXXX compliance standards as I mentioned I did file a bankruptcy 8 years ago and this debt is over XXXX XXXX XXXX. Moreover, I did not enter into any written agreement with any of the 12 private agencies listed above and should be noted by the federal law of the United States of America states that periodic account reviews by an existing creditor or my own requests to check my credit file will and does remain in my file for 2 years. Thus, each time my debit was sold in attempt to collect was illegal in the state of Georgia beyond : 6 years for written communication, Oral contracts and Promissory notes 4 years, and open ended accounts including credit cards are only good for 4 years. Period. 

https : XXXX Thank you kindly for your time and consideration regarding this matter. I do expect this violation of my consumer rights to STOP! Shalom Truly, XXXX XXXX XXXX # MrXXXXYourFeelings

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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 status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX  XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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