BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: MI
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 am disputing Experian cred agency, because of the covid 19 disaster, I had to shut down 3 businsseses, all of my loans and credit cards have reported delinquent starting from XX/XX/2020, They should not be able to be reporting lates during the covid 19 when everything was shut down, and I still have 2 of my business shut down, I would like these late payments removed as I am trying to get an sba loan to help get them up and running and this is hurting my credit, I have disputed with my creditors and with experian and nothing was resolved to take off the late payments that were reported, when it was not my decision to shut these businsses down and have no money to pay these bills on time, since then I struggled to get them all up to date but the late payments from XXXX to XXXX should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$450.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$630.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 An original indebtedness letter was sent to the company to verify the signature and settle debt, however, the company has replied with a settlement letter and a copy of the bill. The company is also not licensed in my state to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
THE ACCOUNTS LISTED ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  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 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 2023-01-12
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 is missing that should be on the report

Complaint:
I been trying to get XXXX to update my address since 2020, XXXX has inaccurate information on my report since XXXX, TransUnion has inaccurate information on my credit report since XXXX. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the XXXX  year. This is insane.

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 2021-10-06
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I haven't paid a bill late for years, but I see my credit reports says there are 16 delinquent accounts and that's what my credit score keeping low. When I looked into the each of the delinquent payments, there is none. I was wondering why my credit score is not improving when I've never had late payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, # XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, # XXXX /XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, 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.

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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 2020-11-30
Company: EQUIFAX, INC.
State: MO
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:
XXXX, Equifax, and XXXX are reporting incorrect personal information on my credit reports. Previous addresses and current address is wrong. Also, Equifax is reporting incorrect date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX XXXX XXXX is currently listed on my credit profile. I am not sure what this is but it looks like it may be some type of timeshare. It shows where this account was opened back in XXXX, however I have no knowledge of this account. I submitted an electronic dispute through my credit monitoring service by experian on XX/XX/XXXX. There has been no change to the negative inaccurate posted account. I would like to have this problem resolved in a timely manner.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at XXXX, as well as my response to his note, which confirms the mistakes that XXXX made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, XXXX completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with XXXX now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX XXXX. They continue to say that my banks are rejecting the payments, yet the banks have NO record of XXXX even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''

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 2020-10-20
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:
i am a litigious consumer who has been violated by the credit reporting agency known as TRANSUNION LLC. after 4 attempts starting in XXXX of 2020 through XXXX of 2020, i have sent to transunion llc certified letters with proof of my identification, address, etc. etc, asking them to remove erroneous, and unverified accounts on my credit report, and to no avail each time they have continued to violate the FAIR CREDIT REPORTING ACT, that states under ( section609 ( a ) ( 1 ) ( A ) and ( section611 ( a ) ( 1 ) ( A ) that they have a copy of the original creditors documentation on file to verify that this information is mine and correct, in all four of TRANSUNION LLCS. RESPONSE LETTERS. they stated in writing that all of these erroneous items on my credit report had been verified, without any proof to me ( the consumer ) furthermore they failed to provide me the method of verification as required under ( section611 ( a ) ( 7 ) i also advised them that under the fcra ( section611 ( 5 ) ( A ) that they were required to PROMPTLY DELETE ( ALL ) INFORMATION WHICH CAN NOT BE VERIFIED, the law is very clear as to the civil liability and remedey avail ; able to me ( section 616 & 617 please assist me in this matter for TRANSUNION LLC. TO COMPLY WITH FEDERAL LAW, and remove these unverified accounts from my consumer report thank 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 explanation
Consumer complaint received 2020-09-11
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:
I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: MD
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:
All three credit bureaus are in violation of 15 US CODE 1681 N XXXX placed XXXX unauthorized credit inquiries on my credit report. 
Experian placed XXXX unauthorized credit inquires on my credit report. 
XXXX placed XXXX unauthorized credit inquiries on my credit report. 

Affidavits of truth were mailed on XX/XX/2023, pending response.

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 2019-09-27
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called Calvary Portfolio SE and disputed alleged debt. I also sent a letter which was written in XXXX and ask them to verify assumed debt. When I spoke with them and provided varied discrepancies, they kept on pushing. It was just too much, so much so that I told them to refrain from calling me. The calls were too much. 

After writing said letter, I am still waiting on the above named credit agency to verify assumed debt. I have received no correspondence from them as it relates to verifying assumed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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 belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/ ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls multiple times within an hour. Today XX/XX/XXXX they've called at XXXX, XXXX, XXXX. This behavior repeats daily. They also change the area code/phone number they call from. Sometimes it's Kansas, sometimes it's California ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX Balance XXXX {$240.00} ; XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Monday XX/XX/2019 I received notification of two fraudulent charges for {$300.00} on my Chase account. I immediately contacted Chase and let them know these transactions were not made by me and that I wanted them cancelled immediately. They said that although they are pending, they can not be cancelled. They asked me to contact XXXX, because it was through their money sending service. I contacted XXXX and they said that I had to go through my bank because it was a purchase made through my debit card. I called Chase once again and they said they cant do anything about it. I did not make these purchases and they took {$600.00} from my account. Chase doesnt want to do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: AL
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 XXXX This account was a checking account that was paid in full and was told by the creditor it would be removed I called the creditor and they said they haven't reported the account in years.The credit bureau doesn't acknowledge it and lies to me every time I file an investigation into it.They dont even do it.Account is going on 8 years old now.

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 2018-07-23
Company: Experian Information Solutions Inc.
State: NJ
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 called XXXX  on XX/XX/XXXX to report that I have tried numerous times to dispute inquiries that were done without my authorization and to have them removed. The representative kept directing me to their site where the dispute can be processed which I have done so many times, XXXX has proof of the disputes online. Why must I keep filing online and it not get processed. Once again, as I mentioned in a prior dispute it seem like the bureau PROFITS from bad credit and does not want to remove something that did not belong on my credit because it WAS NOT authorized by me. XXXX XXXX, XXXX, XXXX XXXX   seem to continuously try my credit for approvals. Look at dates, they don't make sense. Because of these banks constantly applying fraudulently on my credit I processed a credit freeze to protect myself and inquiries KEEP hit my credit!! How is that possible. The following inquiries I reported to have removed - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: VA
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: Didn't receive services that were advertised

Complaint:
I signed up for the Equifax credit monitoring enrollment on Friday XXXX XXXX 2017. They said that I would be getting an email confirmation shortly to finalize the enrollment in the monitoring service and I have yet to receive anything after a full week. I called and they said that there was nothing they could do to help. The lady on the phone line had no access to any information and just kept telling me to check my " spam folder '' This is unacceptable. They have allowed my information to be completely compromised and now I am stuck possibly having to spend my own hard earned money to fix their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX, CBE Group XXXX contacted me threatening that they would turn me over to the IRS if I didn't pay a debt owed to IRS. I do not owe any money to the IRS. I am currently am an XXXX XXXX XXXX XXXX XXXX so I know this a scam that could hurt people that are unaware that the IRS does not contact people by phone regarding outstanding tax debt.

Company response to consumer: Closed with explanation