BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2022, I sent a letter certified tracking number # XXXX and # XXXX to get inaccurate information on my credit report investigated. 
The credit bureau stated that the below accounts were properly investigated but how is that possible if there is still inaccurate information on my credit report. This is grounds for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has reported my name wrongly which has had a negative effect on my credit my name is XXXX XXXX XXXX. 
Experian has my name ( XXXX XXXX XXXX ) this is wrong and needs to be fixed for accuracy

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 2023-12-14
Company: EQUIFAX, INC.
State: FL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been with BJ 's Comenity Bank Card since XXXX. I am listed a having positive activity never late always paid in full no matter how high the balance. On XX/XX/XXXX I placed a special order with XXXX XXXX using the Bj 's Comenity Card in order to place the order with an approximate delivery date in XX/XX/XXXX. In the interim there had been fraud on this card. I reported it to Comenity Bank and they issued a new card with a new number. I had an issue with Comenity and wound up closing this account as well. The last transaction on the new card was XX/XX/XXXX. Both accounts were paid in full and both accounts were closed. I now called XXXX XXXX to give them a different credit card company to use for when my order was to be processed. I then receive a statement from Comenity on the new account which was closed with a posting date of XX/XX/XXXX for a purchase mount {$2300.00}. I still had not received the order and this was put through on a closed account. I contacted XXXX XXXX and was told there was a mix up and they used the Comenity Card instead of the new card I had provided. I canceled the order with XXXX XXXX and they issued 2 credits XX/XX/XXXX {$2100.00} and XX/XX/XXXX {$260.00} = {$2300.00} Credits applied to original Comenity account the only card XXXX XXXX had on file. I then called Comenity and was told they would put in a dispute. I asked how could they let a charge go through on a closed account and was told they had the right since the card was used as a hold back in XXXX. I informed them about the credits as they said they would look into it. The credits were uploaded to Comenitys secure website. Everytime I called I spoke wit someone different and my confirmation was always the dates I called ; with no results. I asked how is it that you can find the latest account which I never gave to XXXX XXXX  to bill me and now you can't find the original account to credit me since I was told both accounts were linked. I am receiving statements with late fees and interest and harassing phone calls to my cell and home number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2023-08-04
Company: Experian Information Solutions Inc.
State: OR
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 asked experian to VERIFY this information and provide me with copies of any documentation associated with there investigation into to accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery Company has re-added an account for XXXX that I previously disputed to your agency with success even though the account was already removed from my credit profile. 

XXXX XXXX XXXX deleted this account from my profile on XXXX XXXX, 2020 yet ERC continues to re-add this account to my profile incorrectly and illegally, XXXX also keeps incorrectly verifying this account as being accurate as well when they have previously removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
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:
us dept of ed 4 different accounts caused by the EQUIFAX breach sent the ftc 4 months ago sent the affidavit and ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I mailed out letters to all XXXX credit bureaus that prompted them to respond within XXXX days. Inside the letter was proof that there is incorrect information being reported on my profile and a request to have deleted if not validated within the legal time limit. 

On XX/XX/2022, I mailed out letters to all XXXX bureaus stating that I did not receive a response and again to remove the error and incorrect information being reported. 

This is BEYOND the time frame allowed for them to respond, this is devastating to my credit profile and is preventing me from purchases.

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 2021-12-15
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and or the company is reporting false information because I did not give permission for none of these items listed. I ask that the items be deleted to correct my credit report.I reported the these inaccurate items to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possibl

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion as normal makes it impossible to file a dispute. There is erroneous info about late payments on my report from XXXX XXXX XXXX on a car loan which has been paid by the insurance company. I tried to file a dispute and Transunion site just stops allowing me to continue every time. these hang ups are clearly a way to discourage customers and should be considered a severe violation. I 'm being refuse access to file disputes because of an ongoing failure of their site which they refuse to fix.

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 2023-02-24
Company: Experian Information Solutions 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:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still 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 explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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:
Mission Lane is reporting on all of my credit reports that I have a charged off account with them. I have never had any accounts, credit cards, etc. with Mission Lane. I've disputed this with all XXXX credit bureaus and keep getting a response that says this information " has been verified '' and if I don't agree with this decision, I would need to contact Mission Lane myself. So I did, and told them they need to stop reporting this erroneous account on all XXXX credit reports. They ( Mission Lane ) have failed to respond to my request and the erroneous accounts are still showing up on all XXXX credit reports.

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 2021-12-15
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, 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 2022-10-04
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 am requesting the account listed below to be removed immediately. 
XXXX XXXX XXXX acct : XXXX In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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: Information belongs to someone else

Complaint:
On XX/XX/21 I sent a copy of my FTC report because I have been a victim of identity theft. My information got in the wrong hands being that my data was compromised in the XXXX XXXX XXXX. I feel like I'm being taken advantage of because my disputes are being ignored and the fraudulent accounts and inquires are still being reported on my credit report. This is ruining my changes with getting approved for a XXXX  loan. The law states that fraudulent information should be blocked within 4 days of the dispute and it still shows. It has been about 60 days and Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX you have caused from blatantly violating my consumer rights. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
There are over 90 unauthorized inquiries. I called Transunion 2 times after send the FTC report over a month ago to remove them. I was advised they didnt receive any report and they cant remove unauthorized inquiries without it.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX 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 2021-05-21
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX in this website I did a complains agains Chrysler Capitel because my request was to SHOW AS the conversation I have with each representative after the repossession of the car in which I still have a debt with them. 

Even they sent me a letter by mail that said " YOU CAN GET YOUR CAR BACK ANY TIME BEFORE WE SELL IT BY PAYING US THE FULL AMOUNT YOU OWE including expenses. TO LEARN THE EXACT AMOUNT YOU MUST PAY, CALL ... '' In this letter does NOT said " let me see if you qualified to get you car back '' as you can read in the previous parragraph. ( attached letter ), The representative that didn't allow me to paid the amount by phone it could be any of this names " XXXX '' or " XXXX '' or '' XXXX ''. 
Did not gave me the opportunity to talk with any supervisor. 
I call several time a requesting a supervisor, none of the representatives English or XXXX speaker didn't allowed me to pay my car or connected me with a supervisor. 

Because the previous representative decided not to sell my car even I had the money to pay and I can show in the statement of my back account. 

Meanwhile, I have to rent a car three times and to buy a second car to move between XXXX and XXXX long drive and have the debt with Chrysler Capital.. 
They sold my car a XXXX XXXX  XXXX and then I received different emails with different amount of how much I own and still in the response that they gave here in the past complain the send a old amount. 

I also said to the representative " XXXX '' if I am not wrong this is her name, that I wanted the supervisor or I will hire a lawyer and he will listen this conversation. 
She also told me " GOOD LUCK WITH ANY LAWYER THAT WILL HELPED YOU TO REQUEST THE CONVERSATIONS AND SHE WAS THE SAME THAT DIDN'T'T ALLOWED ME TO TALK WITH A SUPERVISOR '' And my following calls to try ro talk with different representative in English or XXXX, all of them told me the same NO SUPERVISOR and NO POSSIBILITY TO PAY THE DIFFERENT OF YOUR CAR, TO TAKE YOUR CARE BACK. 

I am requesting all the conversation I have after the repossession, because they didn't allowed me to paid the different and continue with my car. 
And I would like to finish with the representative " XXXX '' how she also remains of " HOW THIS WILL AFFECT THIS MY CREDIT SCORE. '' I am requesting all the conversation I have with Chrysler Capital.

Company response to consumer: Closed with explanation