BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. I will also attached a copy from lexis nexis saying they deleted those bankruptcy account from their end as well. These inaccurate accounts are affecting me tremedously and Its putting me in position were I can't do anything.

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 2020-02-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-02-28
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: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I saw alot of inquiries as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday XX/XX/2023 I deposited my work check {$330.00} at the TD bank on XXXX XXXX in XXXX. The money went through and was in my account on Tuesday. It was there when I went to bed. I paid a {$110.00} XXXX  credit bill and a {$63.00} XXXX credit card bill. I also withdrew XXXX $ to have cash and sent a friend XXXX $ for food along with a {$12.00} XXXX ride as I the money was in the account. The check was cleared. It was my money. There still shouldve been over {$110.00} on top of my tax refund from XXXX XXXX XXXX block of {$150.00} I checked my phone bank and instead I was at a - {$130.00} or XXXX before they credited me 15 as the negative charge was not my fault. I called the back asking about a negative charge for the amount of the check they claimed did not go through the federal reserve. I asked why they cleared the money to my account then and let me spend. The said theyd clear in good faith. That makes no sense. Sounds like its between the employee bank XXXX and them. However, I contacted my employer and she sent a screenshot of bank statement and contacted her bank saying it went through. Her name is XXXX XXXX and the company is XXXX XXXX XXXX in XXXX PA XXXX. The bank took my refund and my money and still says I owe more. They are sending a non fed check. Between the employer and both banks I cant say who needed it but all I did was delay y check, wait till it cleared to pay some bills have dinner with a friend and his son and now no one wants to be responsible for the money I worked for. I now have negative money untill I start and get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Risecredit, LLC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet was stolen. My license, checks and debit card was in there. I have tried several times disputing the item on my report but they refused to remove this,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-03-15
Company: Next Door Lending LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I began receiving unwanted text solicitations from werenextdoor.com ( XXXX ) XXXX Next Door Lending and these have continued with no choice to opt out for over a month. I did not initiate any contact with this company and it is my understanding that I must give permission to continue texting me or an opt out. I do not have these. 

I would like this illegal harassment to stop and this lender reported to the proper agency so fine can be levied and I believe they owe my compensation for this unwanted, continued and illegal harassment. 

I have received well over 100 calls and texts from mortgage companies after my credit was pulled my a mortgage lender and going forward I will be reporting each one that violates my privacy through these texts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  the Account Name ( XXXX XXXX XXXX ) with ACCOUNT NUMBER ( 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

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

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 2023-03-15
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discreditor had sent me a bill near the end of XXXX for {$89.00} for medical bill I have sent them a verification letter and have not received anything within the 5 days and it's going on almost 30 days as I've sent them a verification letter certified and I still haven't received anything about this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: EQUIFAX, 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX  XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: BMW Financial Services NA, LLC
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:
Bmw dispute My XXXX XXXX at XXXX XXXX was on the side of the road in a flood. The road side assistance left me stranded until XXXX XXXX on a XXXX XXXX. They never picked up my car until XXXX XXXX in the morning but it was too late the police towed it. I had to pay that tow and another tow to the XXXX XXXX. I take care of my mom because she has XXXX so my money is limited right now. They took 2 months after several calls and emails to give me back my money they even sent the wrong amount only {$300.00} they took forever to correct it and put the late charge of my XXXX that month on my credit. I was not sure if the car would be fixed or a total loss as well they shouldnt have done that the bmw rep told me that they would not harm my credit or o would not have to pay if the car was a total loss as well.. Now XXXX I was in XXXX 2 months due to my mother catching covid. The phone system I called when I was in XXXX to make the payment it did not put my payment through. I have had this car 3 years and never been late 2 months. I did not realize the payment did not go through. I have a new job With the irs and can pay the bill Im employed that is not the issue. They got my dispute for XX/XX/XXXX late just now because it was lost two times because they said they never received it. So I sent it priority mail. they took long to resolve the XXXX issue and now they are saying due to me being late now in XXXX they are not taking the other late report in XXXX. Using the other situation to try to justify their incorrect reporting. Yes someone can be a slow payer but Im never over 30 days. Its because I take care of my household and my mothers home its over whelming all the medical cost and all the bills. The phone system before I called one day before the final day to be paid before a fee would be charged and it would not go through! I called 5 times it is extremely long the automated service process when they are closed. I feel they do this to charge you extra fees. Its too ironic. The lease agreement for roadside assistance says the tow is included I want to report the hassle for the reimbursement and the late report incorrect report to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Despite the numerous attempts for me to correct my Credit File by having the disputed accounts and information removed from my Credit File, the Credit Bureaus have been ignoring all my requests. I am submitting this CFPB complaint to follow up my previous CFPB complaint I submitted on October 6, 2022, requesting the removal of the fraudulent accounts and information completely from my Credit File. How many dispute letters and CFPB complaints do i have to send to the Credit Reporting agencies foe them to pay attention on my Credit File a d correct it? I grew tired of sending requests and I am taking legal advise and ready to file a lawsuit against the Credit Reporting Agencies. Under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. But no matter how hard I try, the Credit Reporting Agencies have been persistent in claiming that the Disputed items belong to me and yet they have not sent me any copies of proof of verification or any documents bearing my signature to prove that it is I who own these accounts. Me and my legal counsel is almost done and ready anytime to file the lawsuit that we have been preparing. In the event the Credit Bureaus do not comply with the requests and still continue their erroneous reporting, please prepare for lawsuit. Once again, I need the following account removed from my Credit File as soon as possible : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: TN
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:
The following names are being reported on my consumer report and it is not my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are being reported on my consumer report that are not mine and need to be removed immediately. 

XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXX The only name that should appear on my consumer report is the following. 

XXXX XXXX XXXX XXXX The only address that should appear on my consumer report is the following XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are hard inquiries showing on my credit report that I did not give the company approval to pull my credit report for, and its greatly effecting my crefit rating. I had or have no knowledge of these hard inquiries, this is not of my doings and I want these hard inquiries removed from my credit report. I tried to do an online dispute for these hard inquiries with XXXX, but it directed me to call them instead and I did on Monday, XX/XX/2023. XXXX started the dispute process and I received an email advising that the next step is to file a fraud identity report with an agency such as yours. I did not request, or give permission for these companies to pull my credit report, and I have no idea who did this, I feel that someone else is trying or have tried to get credit in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: Strategic Alliances, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The alleged debt account was not reported to all three credit bureaus is no longer on my credit report and its currently updated right now and i don't know where the alleged debt has come from. This is false and leading misrepresentation and accusing me of owing a debt that can not be validated. According to your information that you have gathered, the information is false and misleading towards me as a consumer and I am currently serving notice to this collection agency that is attempting to collect a debt from the original creditor which is I XXXX, XXXX and I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible please. 

XXXX XXXX XXXX {$300.00}

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 2019-01-14
Company: ALLY FINANCIAL INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2018 - I was provided a link to a website to pay for an appraisal. I paid {$830.00} to appraisal service.

XX/XX/2018 - Appraiser came to home I have repeatedly called appraiser company asking for a copy of the appraisal and I have been told I must obtain that through Ally. I have repeated emailed and called loan officer Ally who states that the loan is still being worked on and will not provide me a copy of the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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 information incorrect

Complaint:
Experian did not perform a reasonable investigation. They stated that I previously Submitted a Dispute however that is incorrect because the attachment shows their response stating that they couldnt perform a reasonable investigation because I didnt submit enough documentation which once again is false, I did submit all the required documentation. Experian states that they contacted the creditor, XXXX XXXX XXXX to verify the accuracy and XXXX XXXX XXXX stated it was accurate. I would like to know how they verify this information. Experian needs to present me all the documentation They received and procedures they performed to investigate my dispute. I understand that filing complaint and after complaint may seem overwhelming however this is the best way to create documentation because when I mail them my letters they always send me a response stating that they dont have documentation for me to perform the investigation.

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