BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have asked Experian to remove old addresses and phone numbers not connected with my current credit history and they have repeatedly denied my request. Also since calling and providing them with my most current living address they have started to mail reports to a prior address. I have informed them that I do not live there anymore, but they still send information to that address. I considered this a breach of personal information. 

They are sending my personal information to someone else and refuse to use my current address and I feel that this could affect my livelihood. I have called their customer service, who was extremely rude and unhelpful, to ask them to take off the old addresses and contact information and use my current information but the person on the phone only added my current address nothing else. When I asked her to take all the other off she got snappy and kept cutting me off. I have been in dispute with them for about 5 months now and have sent letters with my current address and identity confirmation, but they claim that what they have is not enough. 

I have the right to request the removal of old information and have been denied. I do not appreciate them ignoring my concerns and request.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Company falsely provided inaccuracies on my credit report. Reporting is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: IA
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:
To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. XXXX XXXX XXXX has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get XXXX XXXX XXXX  to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX  XXXX  a number of years ago and now I have problems with my XXXX  and XXXX. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the XXXX  campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is XXXX XXXX XXXX. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? 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 2022-10-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-12-01
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:
Over the last 6 months, I have been trying to correct my credit report and I have been told by the credit reporting agency, such as Experian, XXXX, and XXXX. 

Per speaking with them I have found very disturbing information that is really frustrating. I have tried many times to have them correct these theses and you will see in some of the screenshots. 

I have disputed these items that are on my report several times and all they say is that it has been verified but how can these accounts be verified when they have not shown me any paperwork. I never gave them permission to put this on my credit report. 

Bankruptcy Discharged XX/XX/2018 The accounts that were discharged in my Bankruptcy are as followed : -First Progress XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
As a consumer, I have asked for it to remove and it is still on there. This is hurting me from receiving credit, this is causing great harm to my living.

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 2020-07-19
Company: ALLY FINANCIAL INC.
State: MI
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 submitted lease payments via my banks electronic bill payment system on XX/XX/20 and XX/XX/20, which were both paid timely. These were the first two payments made on a new lease, and due to an accounting error by the bank ( they were going through a merger at the time ) the payments were made to my previous lease account.

I did not become aware of this until I received a statement from Ally Financial indicating that I was in arrears on my lease payments. 
I contacted both Ally and my bank ( XXXX XXXX to determine what had happened because I had confirmation of the payments being made by the bank to Ally. 
After several calls to a call center, apparently the error was found and the funds were reconciled to the proper/current lease account. The reconciliation took place on XX/XX/20 according to Ally 's records. 
my problem/grievance is that even though the problem has been addressed and rectified, Ally has not corrected the information it forwarded to the 3 credit reporting bureaus, and now they all report my credit rating as lower by a significant score. 
I want the record corrected, and my score prior to this error, reinstated.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: NV
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 filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXI XXXX, Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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:
I have inquiries on all 3 major credit bureaus that I did not authorize over the last 18 months and as I have tried to work with the 3 agencies to remove them, they tell me I have to reach out to the creditor and have them provide documentation to me about the inquiries and how they need to be removed. These creditors have told me that I need to contact the bureaus and have them removed. The 3 bureaus tell me that I need to call the creditors to send me documentation saying that they will remove them or that the bureaus need to remove them. Which is it? Each party say i need to contact the other side! This is XXXX XXXX! I am trying to buy a home in XXXX and these hard inquiries are killing me right now. Please help!! 

XXXX  : 1. XXXX XXXX - Inquiry on XX/XX/XXXX - Not authorized 2. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 3. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 4. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 5. XXXX XXXX XXXX  - Inquiries on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - Not Authorized 6. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 7. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized XXXX : All NOT AUTHORIZED!! 
1. XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX  - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX  - Inquiry date : XX/XX/XXXX 7. XXXX  - Inquiry date : XX/XX/XXXX 8. XXXX - Inquiry date : XX/XX/XXXX 9. XXXX XXXX - Inquiry date : XX/XX/XXXX 10. XXXX - Inquiry date : XX/XX/XXXX 11. XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX - Inquiry date : XX/XX/XXXX 14. XXXX - Inquiry date : XX/XX/XXXX 15. XXXX XXXX - Inquiry date : XX/XX/XXXX 16. XXXX - Inquiry date : XX/XX/XXXX 17. XXXX - Inquiry date : XX/XX/XXXX 18. XXXX XXXX - Inquiry date : XX/XX/XXXX 19. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX - Inquiry date : XX/XX/XXXX 21. XXXX XXXX - Inquiry date : XX/XX/XXXX 22. XXXX - Inquiry date : XX/XX/XXXX Equifax : All Not Authorized 1. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX - XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 9. XXXX - Inquiry date : XX/XX/XXXX 10. XXXX XXXX - Inquiry date : XX/XX/XXXX 11. XXXX XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Please help me with this. This is ridiculous and no one on either side seems to want to help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance to XXXX USC 1681 section 602 ( a ) states I have the RIGHT TO PRIVACY. 

XXXX XXXX XXXX XXXX Account # XXXX in the amount of {$930.00} XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$250.00} XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX in the amount of {$600.00} XXXX XXXX XXXX XXXX Account # XXXX in the amount of {$1200.00} in the amount of {$970.00} are in Violation of the LAW. 

15 U.S.C. 1681 section 602 ( a ) section ( 2 ) A consumer reporting agency can not furnish an account without my written instruction 1681b. Permissible Purpose of consumer reports ( a ) In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer, to whom it relates.

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 2020-07-19
Company: Experian Information Solutions Inc.
State: IN
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:
We are filing a complaint against Experian Credit Reporting Agency. In XXXX, we filed a dispute with Experian, XXXX, and XXXX  for the account of XXXX XXXX. This company participated in fraudulent and deceptive trade practices, and breach of contract in XXXX. We are currently filing a complaint with the Federal Trade Commission against this company XXXX XXXX. After mailing in the disputes, XXXX   and XXXX removed the fraudulent account from our credit report, but Experian did not. Since then we have disputed this with Experian at least three times. This reported delinquent XXXX XXXX account on Experian is over seven years old and fraudulent. We are asking that Experian correct this error by completely removing this account from our credit reports immediately and correcting our scores. 
I have also attached our XXXX credit reports showing the XXXX XXXX account still reporting on Experian but removed from XXXX   and XXXX. I have also attached the letter sent to XXXX XXXX XX/XX/XXXX, the timeshare cancelation letter from XXXX, and the contract instructions for cancelation. 
Thank you for your assistance in this matter

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 2020-04-28
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2020 XXXX XXXX made contact with about payment I stated I did not have the payment and would call him back I am XXXX late or 2 months late XX/XX/2020 XXXX XXXX attempt to make a contact with me again but I could not answer as I am an essential worker. He then moments after called 2 of my friends and family members. He did not leave his name or his contact info. I then called him back on my break he asked for payment I stated I would pay it on Thursday. {$170.00} he said that's fine and then you won't owe I Payment until XXXX as he offered me a deferment .... ..after getting more details from the calls he made to try and understand his course of action I called back to lendmark and asked what there corporate number was, which he also said he could not find and wasn't sure of an external number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}

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 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Applied for the loan paid it in full and XXXX has not reported paid to 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 2020-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX Sat : I tried to log onto my Equifax account at https : //my.equifax.com/membercenter/ # /login in order to temporarily lift a security freeze, so that a legitimate creditor could verify my credit. However, I got the message " Please give us a call. We can't complete your request at this time. Please call the Customer Care Team. XXXX. Customer Care is available between XXXX XXXX. and XXXX XXXX. ( ET ),  Monday to Friday. '' I needed to give immediate access to the creditor on that day, which I believe I am entitled to according to FTC regulations. So, I tried calling the number anyway even though it was Saturday and according to that message, the company is closed. I discovered that the company was in fact open on Saturday, contrary to the message on the website. However, it was already closed at the hour I called. 

Via the phone tree, I was able to access an option that allows me to request a temporary security freeze lift through an automated system. However, it took 2-3 attempts, for numerous reasons. One time, the system hung on me. The second time, I was convinced I requested the freeze lift to begin on XXXX, but the confirmation message said it would begin on XXXX. Further, the system said it would send me a confirmation # through text message, which it never did. Thinking that there was an error on my part with regard to when the security freeze lift should begin, I called a third time to do the process all over again. I did in fact enter the correct start day of XXXX, but again the system confirmed a start date of XXXX. Further, the system again said it would text a confirmation # to my mobile phone, but it never did. 

After waiting > 1 hr, I requested the creditor check my credit once again. It said there was still a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
There is a fraudulent account reporting as income on my consumer report. The account also is containing transactions & experience between the consumer and the person making the report, which is illegal. 15 U.S Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-04-07
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was unaware that my cash app account was hacked and was used to send {$200.00} dollars to someone. I am here to put in a complaint ASAP as I caught it early before the money has been taken out my bank account. I tried asking for a refund to whoever the money was sent to and they declined my refund

Company response to consumer: Closed with explanation