BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, and Transunion refuse to move public records off my credit report. I submitted my dispute on XXXX and XXXX XXXX, and Transunion had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that XXXX XXXX, and Transunion remove this public record off my credit report asap. My race and age is playing a big part of XXXX XXXX, and Transunion unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. XXXX XXXX, and Transunion is very XXXX and doesn't put accurate information on certain people 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 2019-07-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, and XXXX, XXXX, while I was trying to set up utilities for the townhouse I was moving into on XX/XX/XXXX, Equifax ERRONEOUSLY reported that I had HOLDs or ALERTS on my account to XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX and XXXX ( XXXX ) I verified with Equifax representative over the phone and online that THERE WERE NO HOLDS or ALERTS on my account. But she refused to get on the line with the utility companies to straighten this out. She said I should tell them to have their people call Equifax Business Assistance line. BUT SHE WOULD NOT TELL ME THE NUMBER SO I COULD TELL THE UTILITY COMPANIES. I COULD NOT FIGURE OUT WHAT ELSE I COULD DO. 
I faxed additional identification information to Equifax as requested but heard NOTHING FROM THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
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 status incorrect

Complaint:
- XXXX/XXXX/XXXX I got identity theft and XXXX ( XXXX XXXX ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about this as they were unable to find my application. 
So they hung up on me few times which left me with no choice to contact the CFPB. 
I even asked Transunion to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX handled it very well and quickly. 

XXXX XXXX also sent a declined letter of an application that I DID NOT submit. 
Yet they are also hard to reach to get this hard inquiry removed too. 

Please advise how I can get this amended 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 explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a dispute back in XX/XX/XXXX with transunion, regarding an incorrect dismissal date of my bankruptcy XX/XX/XXXX. I have already sent the agency my discharge documents from the court of XX/XX/XXXX. The inaccurate that is only reporting on my transunion and no other credit agency. At this time based on this incorrect reporting I am unable to qualify for a home loan. My family and I need to find a place to live as we are relocating in XXXX. Transunion is not working with me to remove the dismissal date of XX/XX/XXXX and replace with my discharge date of XX/XX/XXXX. I have called several times and at this point Im getting nowhere.

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 2022-01-11
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/2021 I drafted a letter of validation in regards to 9 accounts with Gesa Credit Union, that appeared to have been sold and duplicated multiple times on my credit file by 3-4 different organizations. After sending out the letter via certified mail I received no response from the companies in violation of FCRA. After waiting over 7 months for a response, I decided to dispute the accounts with Experian directly. Today I received a credit report stating that the accounts were verified? Verbal validation with a creditor and credit bureau doesn't suffice as proper validation or even verification under FCRA. It is my belief that Experian is in gross violation of FCRA at this time.

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 2018-01-14
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????

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 2018-01-14
Company: EQUIFAX, 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:
A random inquiry appeared on my credit report. I contacted Equifax several times to inform them, it was not my acct. They never removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted Equifax on XX/XX/2019 at XXXX XXXX and spoke with XXXX due to an unauthorized address change in my credit report for your bureau only. After going through the authentication process and approved, I found out that a lender had changed my address in my personal information. When asked what lender changed my address, XXXX informed me that she did not have that information. I also questioned how a lender can just change my personal information without going through a process such as I did and how a lender could change my personal information. I was also informed that she did not have that information. I was then informed that I have to write a letter, make copies of more of my personal information and send it in to get my address changed back to the place that I have lived for 10 years when I did not authorize the change in the first place. The credit bureau never contacted me. I only found this out because I have XXXX XXXX protection services. 

I feel it is a violation to allow any company or other individual to change my address without personally contacting me first and for it to be extremely difficult to correct my own information. I really do not understand how this is acceptable. I sent a letter to Equifax about the issue and sent the documentation I had. I also question how a lender can have a copy of my drivers license and my social security card to change my address. I attached the letter I sent to the company below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had an installment loan with XXXX XXXX.The loan was initially for $ XXXX.It was a 10 months term.I paid the loan for 7 mos and I started to struggle do to medical reasons.I notified the company but they wouldn't work me.They talked me into refinancing the entire loan and started the process again.At this time when I missed payments I was threatened with a lawsuit, wage garnishment along with the harassing phone calls.I called the office to try and work out something but with these people they say you pay us this amount or nothing at all.They even send partial payments back to you because they have did this to my mother. 
They refused any arrangements and charge-off my account and the amount is {$400.00} more than the amount I received.They have ruined my credit and I think that's what they wanted because of the type of people they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18, I was sent to collections for a debt that was not mine. The medical debt, XXXX XXXX XXXX   did not submit the billing to my EMPLOYER as directed on the Self insured form. They continued to send me the bill, however, I was injured as a result of an assault while on duty at work. XXXX sent my account to RENTON COLLECTION # XXXX. This collection should not be in my credit report, as this has been paid by my employer and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I applied for the US Bank Platinum Visa card using my physical street address of XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I instantly changed my address after the application process by logging into the US BANK online website and updated to my MAILING address of XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX. I then tried to contact US Bank on 17 different occasions and they refused to speak with me causing me to become very irritated and the representative then placed a suspicious fraud alert on my account even though I have verified ALL information and the representatives confirmed that the only address they have for me is XXXX XXXX XXXX. However, each time I call they state the address has not been changed and this is causing MAJOR issues. A US BANK representative by the name of XXXX XXXX then used her personal cellphone to contact me outside of business purposes on XX/XX/22 at XXXX XXXX  PST to tell me I am " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. US BANK will not respond to my correspondence and I fear for my life that they have allowed an employee access to my personal information and that this woman XXXX XXXX XXXX try to 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 2018-01-11
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, Equifax, XXXX on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( Equifax ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: ALLIANT CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with ALLIANT CREDIT UNION `` ALLIANT ''. My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since XXXX. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. ALLIANT became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello, I was deceptively charged for a recurring service that I never signed up for, or was not made aware that I signed up for. 

I received ZERO communication via email, regular mail, or via phone from Experian that I had a recurring service from them and was being charged to my XXXX XXXX credit card. 

I had no access to the service either, as again, I never received ANY communication from them, so I never received a username and password or any instructions on how to access the recurring service. I, to this day, have not used the service they signed me up for, and since it 's just a website with a credit report on it, never received anything from them, nor did they incur any costs since nothing was ever delivered. 

I did, on a one time basis, access my credit report in XX/XX/XXXX, after the XXXX hack. That charge was for {$4.00}. I assume that they signed me up for the recurring service then, and deceptively did not CLEARLY state I was signing up for a service. 

I discovered the issue last year in XX/XX/XXXX when I reviewed my XXXX XXXX credit card statements and realized the recurring charges. I initially attempted to contact Experian, but could not reach them after being on hold over the phone for over an hour. So I then sent a dispute to XXXX XXXX XXXX. After several weeks ( was traveling to see family over XXXX ) with no response from XXXX XXXX, I contacted them again to dispute the charges. Yesterday, I finally received several emails from XXXX XXXX indicating that the charges would be rebilled to my account. 

I then contacted Experian again this morning by calling XXXX and was on hold for over 1 hour and 30 minutes ( I have a screenshot to prove it ) and was finally able to get a customer service agent on the phone. 

The customer service agent I spoke with is named 'XXXX ' on team 'XXXX ' within the customer service center. This agent said that they could not remove the charges. I then spoke with his manager 'XXXX ' (  agent # XXXX ) and she would not remove the charges either. 

The charges total {$170.00}. The charges occurred from XX/XX/XXXX - XX/XX/XXXX. Please see the attached screenshot of the charges from my online XXXX XXXX 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 explanation
Consumer complaint received 2021-03-09
Company: BMW Financial Services NA, LLC
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:
BMW FINANCIAL SERVICES Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Dear CFPB My name is XXXX XXXX and my social security number s XXXX. My physical address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have requested on multiple occasions from Equifax to re-investigate the Public Record : Personal Bankruptcy XXXX filed XX/XX/2009 ( older than 10 years ) to be removed their reporting. I reported on multiple occasions that the report show multiple in accuracies in which they have never have confirmed through the courts? XXXX does not show this Bankruptcy, Other 2 Agencies have since removed XXXX and XXXX. They refuse to follow through with these requests and rely on old data that was inaccurate in the first place. Please help in resolving this request. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2018 Schools First blocks access by external app to make electronic payments on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: WY
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:
A XXXX XXXX XXXX employee made a duplicate refund to my credit card in XX/XX/2021. They then tried to charged the double refund back to my card, which was declined. They then attempted to contact me at an address I no longer occupy. The bill was sent to collections with XXXX XXXX XXXX. Outsource XXXX XXXX finally contacted the correct address in XX/XX/2021. The bill of {$560.00} was paid in full in XX/XX/2021. XXXX never provided an opportunity for me to pay this debt before sending to collections. 

XXXX and XXXX are not reporting this collection on my credit report. 

Experian is still reporting even after a dispute and after XXXX XXXX XXXX has sent them a paid in full balance.

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 2020-05-04
Company: HW Holding, Inc
State: SC
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:
This collection company puts debts on credit reports that aren't accurate, resulting in denial of credit because this is a false reporting on my credit report. I don't ow any money to them or the companies they say.

Company response to consumer: Closed with explanation