BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: OH
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2022-11-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contact Transunion, XXXX, and XXXX about hard inquiries on my report. I got the most push back from Transunion and XXXX but all XXXX told me that they do not dispute the hard inquiries since they are factual data. I proceeded to tell them that I am requestion that they look into these hard inquiries or remove them if they will not. they kept telling me that will not, and they do not look into them. I proceeded to ask for a supervisor and got the same thing. I was told that I needed a police report or to file a complaint with you guys if I didn't like this. I then asked for the legal department because they have to legally look into them because I am requesting a dispute and for them to verify the accounts. They told me I am not allowed to speak to them and if I wanted to, I have to send a letter. They never started a dispute or noted that they would be looked into. I know this because I called back a day later to check if they were being disputed and was told they were not and there is no record of the dispute. This was done the week of XXXX. I told them I would be following up with the CFPB and they told me go ahead, they do not have to look into factual data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
An outstanding balance of {$1100.00}, as reported by XXXX XXXX, has remained on my credit report since XXXX. I have previously disputed this information with Equifax and XXXX, at least twice and, they continue to report. I do not have an outstanding balance. I have done business with XXXX XXXX since that time and, my account was always current and in good standing. Even if there was an outstanding balance from XXXX, it would have been included in a Chapter XXXX bankruptcy discharged in XX/XX/XXXX. Moreover, the reporting has continued far in excess of the seven year timeline as determined by the Fair Credit Act and Federal Trade Commission. Finally, each time I have disputed, the credit reporting agency updates the actual date on file to reflect the same date in which I disputed ; thus, the appearance of the outstanding balance more recent than actual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included these in my previous Complaint & I am including them again. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$7100.00} ; 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 2022-08-10
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
While reviewing my credit report today, I discovered an unknown collection item on my credit report. IC System Commercial has an unknown collection on my account for {$0.00}. When contacting the number ( XXXX ) I discovered the contact information is incorrect. How does this happen?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions Inc.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Mortgage The mortgage banker refuses to process a mortgage application. My credit scores are good. I have 30 % equity in the home. 

XXXX XXXX with Quicken Mortgage will not run the application. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have an unverified account from Aargon Agency , Inc . I had previously disputed this account. I have never done business with Aargon Agency XXXX Inc. pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Aargon Agency , Inc. provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin. 
6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on 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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Greetings My name is XXXX XXXX. On Two Occasions, XXXX obtained a copy of my credit report. My ex-wife who I had divorced in XXXX still had access to my social security number. And had tried to purchase a house using my SSN to cosign on a mortgage without my consent These Two occasions were XX/XX/XXXX and XX/XX/XXXX Respectively

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2020, JP Morgan Chase Credit Card reported my account balance as 30 days late with the due date of XX/XX/2020. The information was incorrectly reported on my credit report in which my balance of {$140.00} is not due until the XXXX of each month and was submitted and posted to the account on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Army and Air Force Exchange Service
State: KS
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: Card was charged for something you did not purchase with the card

Complaint:
received a billing statement from Military Star for {$6900.00}. I have never had an account with this company. I filed an action with identitytheft.gov on XX/XX/2020 and sent Military Star a disputed account letter but haven't received any response from them

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 2019-10-28
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Recently i received a copy of my Transunion credit report and noticed several different unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for Transunion or any one else to access my credit file, i did not apply for loans or any credit cards. Transunion gave unauthorized credit card companies access to my credit report without my person.

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 2023-07-14
Company: EQUIFAX, INC.
State: WV
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: WELLS FARGO & COMPANY
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 have contacted all XXXX credit bureaus as well as XXXX  XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$1200.00} balance and it is also reporting a credit limit {$1600.00} and a past due XXXX ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be ... they are reporting a new charge off every single month

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 2022-10-11
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
received multiple collection letters from a collection company for {$240.00} in regards to a debt to XXXX XXXX XXXX i dont know who that is but its false/ inaccurate information and that is inaccurate address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: NM
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 have not received correspondence as a result of numerous previous attempts to resolve this issue. 

I have contacted this creditor numerous times to reasonably resolve a repossession issue, but am getting the run around. I have asked for the payoff amount and am now being told three separate amounts. XXXX  is reporting {$7700.00}, Equifax is reporting {$9400.00} with a collections account AND the original account for {$7700.00} meaning that this account is affecting my credit twice, and the creditor themselves are saying the pay-off amount is {$9300.00}. The car was completely undriveable ( a total lemon ) within days after purchase. The dealership ( XXXX XXXX in XXXX NM ) said that the issue of the car shaking immediately after purchase would be covered under warranty and to go to the XXXX dealer. We went to the XXXX dealer and the issue was not covered under warranty. After losing employment due to the car no longer running shortly after purchase, I asked repeatedly for the car to be returned to the creditor. It took months for them to finally come get the car. The car was sold at auction, bringing in earnings and the total amount owed down from the loan. 

Should this issue remain unable to be resolved, I am requesting this information is REMOVED from my credit report, as it is reporting vastly differently across all three credit bureaus and violating the FCRA regarding fair consistent balances reported across bureaus. I will be escalating this issue should these legal violations continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: R.A.Rogers, Inc.
State: NM
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 have not received correspondence as a result of numerous previous attempts to resolve this issue. 

I have contacted this creditor numerous times to reasonably resolve a repossession issue, but am getting the run around. I have asked for the payoff amount and am now being told three separate amounts. XXXX  is reporting {$7700.00}, XXXX  is reporting {$9400.00} with a collections account AND the original account for {$7700.00} meaning that this account is affecting my credit twice, and the creditor themselves are saying the pay-off amount is {$9300.00}. The car was completely undriveable ( a total lemon ) within days after purchase. The dealership ( XXXX XXXX in XXXX NM ) said that the issue of the car shaking immediately after purchase would be covered under warranty and to go to the XXXX dealer. We went to the XXXX dealer and the issue was not covered under warranty. After losing employment due to the car no longer running shortly after purchase, I asked repeatedly for the car to be returned to the creditor. It took months for them to finally come get the car. The car was sold at auction, bringing in earnings and the total amount owed down from the loan. 

Should this issue remain unable to be resolved, I am requesting this information is REMOVED from my credit report, as it is reporting vastly differently across all three credit bureaus and violating the FCRA regarding fair consistent balances reported across bureaus. I will be escalating this issue should these legal violations continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was sent an email to apply for Carnival Credit Card. In XXXX I was sent a letter with instructions to send a copy of driver license social security card and untillity bill. I got the same letter the next month. I sent the information again.the next month I received th same letter, all with the month changed. So I called an was told that they could not read the information So I sent an enhanced pitcures and got the letter again. By now it has XXXX I sent another response? 
letter and the enhanced copies. I recieved it again in XXXX. When they see my picture and I am XXXX XXXX am I being discrimated against?

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 2022-09-28
Company: Experian Information Solutions Inc.
State: AR
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. 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.

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