BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent in my FTC report, and letters to all XXXX credit reporting agencies regarding unauthorized use of my credit. Transunion will not remove the unauthorized inquiries. I even mailed in a response from a creditor ( XXXX ) that explained the inquiry was unauthorized and Transunion still would not remove it. The company pulled the inquiry itself. But credit reporting agencies have a legal duty to ensure information is reported accurately.

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 2020-06-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2019-08-15
Company: MONEY SOURCE, INC., THE
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
DATE : XX/XX/XXXX TO : THE CONSUMER FINANCE BUREAU FROM : XXXX XXXX XXXX XXXX FLORIDA / XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX AIR Duct removal and installation Job XXXX XX/XX/XXXX PLEASE HELP PLEASE HELP PLEASE HELP PLEASE HELP 1 - XXXX XXXX XXXX of XXXX said that my moms air conditioning needed new Air Ducts XX/XX/XXXX 2 - Mom is XXXX years old - Gets XXXX a month from Social Security Benefits All that she has 3- Estimate was XXXX 4- Mom could not get financing on her own She did not consult an attorney nor let me know. 
5- XXXX suggested the XXXX program, a government program for home maintenance loans 6- She was approved by XXXX who did not qualify my mom for the loan or give details on payments or give her a copy of the contract by mail. They said she would be billed through her tax bill the following year XXXX. 
7- Ducts were installed 8- Tax Bill came in XXXX that specified her normal taxes of {$500.00} plus the loan fee of {$1600.00} due. 
9- She could not pay the additional fee on the bill. 
10- Speaking to XXXX she told them she could not pay this bill 11- They said she may have to sell her house 12- XXXX also forwarded a negative balance of {$1600.00} to my moms reverse mortgage account with ( The Money Store ACCOUNT XXXX ) 13- I helped her file for bankruptcy six months ago through Upright Law but their attorney would not help. 

Please Help - Yours truly, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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 am a victim of identify theft. I found out there are fraudulent accounts reporting to my credit profile and it has now ruined my life. I've called the company and asked to have these items removed and submitted the documentation they asked for and nothing has happen. The fraudulent items are still on my profile. Experian can not report open-end credit plans as late and I did not give Experian, written or verbal, consent to report anything to my profile which is a direct violation of my consumer rights. I am simply asking that 3 closed accounts be removed. They are the XXXX Card for {$15000.00}, XXXX XXXX XXXX XXXX for {$7900.00} and another XXXX XXXX XXXX XXXX for {$7200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
BARKLEYS WILL NOT CLOSE THE ACCOUNT ... I HAVE ASKED THEM BUT THEY HAVE NOT DONE IT ... THERE IS NO MONEY OWED TO THEM ... ITS PAID IN FULL ... I WANT IT CLOSED SO NO ONE GETS MY CARD INFO AND CHARGES TO THIS ACCOUNT ...

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 2023-01-31
Company: Incomm Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Today XX/XX/2023 I keep getting a wrong address error when trying to use my visa gift card. I am using the same address as my first purchase which went through fine. I tried their website but says to use my shipping address which I am, their toll free number is all automated so I can't get help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXXXXXX Balance : {$100.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX Balance : {$260.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$3100.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXXXXXX Balance : {$4300.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

XXXX XXXX Balance : {$7500.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete 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 2019-08-20
Company: Carvana Group, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been trying to contact this company every since the inquiry reported on my credit report to no avail have i been able to contact company though number or address showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019 I used the Bank of America ATM ( Terminal ID : XXXX ; XXXX XXXX XXXX, FL ) to withdraw cash from my XXXX XXXX XXXX XXXX XXXX account. The transaction didn't go through. The terminal did't provide the cash or receipt. 

First, I contacted Bank of America starting on XX/XX/XXXX. They told me to contact XXXX. that's when the back and forth with both banks started. 
I received a letter from XXXX dated XX/XX/XXXX with a copy of the receipt for that transaction. I appealed that evidence. Yesterday I submitted a complaint against XXXX with your Bureau. Today I will like you to contact Bank of America. 

Bank of America : case # XXXX XXXX XXXX XXXX XXXX XXXX : claim # 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 explanation
Consumer complaint received 2022-09-09
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
PNC : I settled and paid off a credit card. Payments from XX/XX/XXXX - XX/XX/XXXX were reported as not made, even though I had XXXX and XXXX  XXXX issues that I informed PNC of XXXX The reporting is preventing my credit from being high enough to rent a home. I paid off the card, so the account and months are not delinquent and should not show delinquency. I called again XX/XX/XXXX and PNC told me that they were attempting to collect a debt before allowing me to speak further. I have no debt with PNC. PNC told me that they were not able to reverse the reporting and told me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: WI
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:
I contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.

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 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
TransUnion shows incorrect account status, outstanding balances, no information, negative information, etc. Transunion does nothing when the incorrect information is disputed.

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 2022-12-29
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 was checking my credit report and notice inquiries and addresses I do not recognize or authorized. I am afraid my information may have fallen into the wrong hands. The unauthorized inquiries are as follows XXXX XXXX inquiry dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The inaccurate addresses are as follows 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 2019-06-15
Company: TRANSUNION INTERMEDIATE 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:
Somehow I'm reporting as an authorized user on accounts unknown to me nor do I know who added me. Please remove me from these accounts immediately. I'm asking that these accounts to be blocked from my credit files. 

1 ) XXXX XXXX {$14000.00} 2 ) XXXX XXXX {$4500.00} 3 )  XXXX XXXX {$4600.00} 4 ) XXXX XXXX XXXX XXXX I'm disputing this account as well XXXX XXXX XXXX, please remove

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 2022-12-29
Company: Experian Information Solutions 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 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-04-25
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: Personal information incorrect

Complaint:
It is almost close to a year that I have been disputing with Experian to remove a fraudulent address XXXX XXXX XXXX XXXX XXXX, ca XXXX. I never lived there and whoever has my identity keeps trying to apply for credit under my identity. Experian has not even send me any letters or completed investigation results.

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 2019-08-15
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Veros Credit LLC hired XXXX XXXX XXXX XXXX XXXX XXXX to repossess my vehicle. The thing is I have never done any business with any of these companies. I have my title and my registration, I purchased this car from a private seller. 

I contacted the XXXX XXXX Sheriff 's Department and they asked to to call XXXX XXXX to fix the issue, however XXXX XXXX and Veros is yelling at me and not helping to fix the situation. 

I have bought this car legally and registered it, I rented this car through XXXX and Veros stole the car from my customer. 

Seeking assistance to solve this issue and get my car back. 

Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi, Ive made every attempt possible to contact EXPERIAN credit bureau to an avail. 
Its virtually impossible to reach anyone at Experian to either assist in buying a credit report or in my case all three XXXX, Experian and XXXX. I have an alleged membership number and all i want to do is buy a new 3 in 1 combined credit report for {$39.00}, as I have in the past on their website. The website experian.com now will not allow such a purchase without them trying to upgrade you to a monthly membership which I do not want! I've attempted on several occasions to contact them through their customer service line XXXX and XXXX, and can not reach anyone regardless what options you choose. Please help myself as well as all others experiencing this mess.

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 2023-11-30
Company: EQUIFAX, INC.
State: CA
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:
Letters to Equifax Dated, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, each with canned responses and no acknowledgment of the data breach bringing all of the accounts in question into question on accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
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: Investigation took more than 30 days

Complaint:
There are several issues with my credit report that has taken in excess of 120 days way beyond the thirty days. It should only take 30 days to investigate the issues with my credit reports 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 2017-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX va for XXXX XXXX was offered to get there student loans forgiven because the lack of jobs XXXX promise is wasnt true we suffered from lack of employment and now theses loans are missing with me bettering myself with XXXX kids in my life and its not fair for me to struggle after I went to a school with broken promises and graduated on the deans list

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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently went to check out a new car at XXXX. After carefull consideration I was decided to apply for a loan for this car. I was declined for a good rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own, and these items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX/XXXX XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. inquiries : 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 explanation
Consumer complaint received 2019-08-15
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:
XXXX ; Experian and XXXX are reporting incorrectly ( 30 ) plus days late on the DPT EDXXXX ; XXXX and XXXX XXXX  partial account numbers : 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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is fraudulent credit inquiries on my credit report. I believe it is related to the data breach on XXXX, my information was exposed back then. 
Please have them removed : XXXXXXXX XXXX XXXXXX/XX/2023. 
XXXX XXXX XXXX XXXX XX/XX/2023. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2023.

Company response to consumer: In progress