BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Report Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C. 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 following accounts were reported as accurate and verified. They will not tell me how they verified these accounts what information they obtained. I would like them deleted because I have no knowledge of these accounts and they are inaccurate.XXXX  Report#XXXX XXXX XXXX,TX XXXXTrans Union LLC file#XXXXXXXX XXXX XXXXXXXX,PA XXXXXXXXXXXX XXXX XXXXXXXX,GA XXXXXXXX XXXX  account#XXXX Charge off balance XXXXXXXX  account#XXXX charge off balance XXXXXXXX  account#XXXX  charge off balance 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 2020-10-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My credit report says there's 19 hard inquiries that i did not do 17 NOF THEM I ONLY APPLIED FOR 2 XXXX XXXX XXXX XXXX I contacted them EQUIFAX XXXX XXXX & THE CREDITERS asking to send me a letter to confirm i never order service they said they will i never got them its still on my credit i'm trying to fix my credit i contacted equifax XXXX  & XXXX  only XXXX  removed them theres a pay day loan i never got tried reaching out to them it wasn't successful please help me i paid services to help repair my credit cause i didnt know how to do it myself XXXX XXXX   just got over i paid them for 2 years score worst then they removed items only there back on there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 pay XXXX  to monitor my credit and I have worked hard to improve my credit based on their recommendations. However, when I apply for credit cards they provide me with a totally different number. Each organization has different scores, XXXX  has me a XXXX, Transunion has me a XXXX and XXXX  has me at XXXX. Even my bank which I have a credit card with is showing XXXX at Transunion. I have disputed and wrote letters and they are still all different with different information. I decided to apply for a credit card with XXXX and they have me at XXXX based on Transunion score. I sent this letter on XXXX to XXXX XXXX : Reference number : XXXX To whom this may concern : I recently applied for an XXXX XXXX XXXX XXXX Account and I feel the decision was based on the wrong reason ( s ). 

I have worked hard to improve my credit and my total score you provided was XXXX when my Transunion score is XXXX. 

I have XXXX collections on my account and no charge offed accounts I do not have recent delinquency, public record nor bankruptcy My bankruptcy is over 9 years old and will come off in XXXX of XXXX  None of my credit cards are over limit I will be contacting Transunion, XXXX  and XXXX  with this decision along with alerting the Bureau of Consumer Financial Protection surrounding the discrepancies. 

Again, Im working hard to improve my credit and like someone to contact me surrounding this decision. 

I don't feel it's fair that I'm working so hard however no one is on the same page.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$470.00}, XXXX XXXX XXXX Balance : {$13000.00}

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 non-monetary relief
Consumer complaint received 2023-05-25
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
this company XXXX XXXXXXXX XXXX unlawfully listed an account on my credit report stating it belongs to me with no proof. They reported it as a COLLECTION!! They have failed multiple times to provide me with and validation when I have requested it by phone and email and they need to remove this account immediately as this Is stopping me from being able to expand my business. Please help them to respond and remove this account as soon as possible thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
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: Old information reappears or never goes away

Complaint:
Equifax is reporting an XXXX XXXX XXXX account that is past the statue of limitation. They refuse to remove it after several attempts. Neither other credit reporting agency is showing it because it's an aged account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Personal information incorrect

Complaint:
Im filing this dispute on regards of the incorrect personal information that appears to to be reporting to these credit bureaus causing them to fail to provide 100 % accuracy across the boards. Ive tried to dispute many times yet no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have been charged {$340.00}, called the bank but the agent said she is not authorized to see information where this money came from. Wells Fargo is charging my account for no reason.

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 2023-01-03
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 is my continual endeavor 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 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

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 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as TransUnion, XXXX, XXXX  have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.

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 2020-09-10
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
This item was deleted off my credit then it was put back on now they said I owe for late fees I dont know what they talking about it this is me I want my drivers license with my picture ID proving that this is meI have tried over and over to get this removed when it was deleted and then they issue it back on I dont know whats going on with the system but once its off its supposed South not put back on I had to delete it a XXXX to prove it Worth in XXXX Kentucky XXXX XXXX face when this occurs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX/XXXX has discharged a loan and it still shows on my credit report as 129-149 days late. the discharge is due to the fact that should have NEVER been enrolled into this school in the first place.See document attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So around XX/XX/2018 i deposited {$500.00} in cash and a check of {$2500.00} at a Chase ATM. 

First I put in the check, then the cash and the ATM said there was an error so it didnt print a receipt, nor was the cash and check dispensed back to me. 
I decided to check my Chase app and didnt see any of the deposits, instantly parked and went inside to file a claim with the manager. 
After a few days, they reported that the technician found the check and it was deposited correctly but that there wasnt {$500.00} in surplus so they didnt credit my account. 

I know for a fact I had deposited the {$500.00} in cash, so the ATM May have spat out the money afterwards. I requested to view the ATM footage so that they could see me physically inserting the money into the ATM and they said they couldnt show it to me. 

My claim with Chase was # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX / XXXX XXXX XXXX put in a hard inquiry on my credit report without authorization on XX/XX/2018. These guys were my apartment provider FOUR YEARS AGO. I never made any request for any additional work, they simply re-ran my credit for no reason, resulting in my score being less than what it should be when I am trying to buy a new car and refinance my mortgage. I have disputed this with Equifax, but they came back saying XXXX XXXX XXXX / XXXX stood behind their inquiry and refused to remove it. I am requesting the CFPB to come in and find out why they are running my credit with no authorization for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I XXXX XXXX, have tried to settle my debt by explaining my permanent XXXX  and XXXX XXXX challenges, I am extremely frustrated as a consumer, where I can't seem to find a solution to this adverse debt.I have had a surgery, which now has me on a XXXX XXXX. I want to comply with a solution to this matter, but financially I am strapped, keep in mind I am already at a very old age, where health improvements based on my XXXX XXXX are extremely low, slim to none.My XXXX  was back this past XX/XX/2018 do to a XXXX, and I am going back for a XXXX XXXX really soon.I am now on XXXX XXXX so my only option if you cant help me is a bankruptcy chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have disputed multiple inaccurate accounts with Experian, XXXX, and XXXX  and they have failed to perform a proper investigation as per FCRA. Now they continue to report Derogatory accounts that are past 7 years from first date of delinquency and that is a FCRA violation!

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