BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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 2017-07-05
Company: Experian Information Solutions Inc.
State: MI
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:
Contacted company and I have unauthorized inquires from companies Inquires are-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 listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not 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 2019-08-28
Company: Byrider Franchising, 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:
On XX/XX/XXXX i received a notification from my credit card company as well as XXXX XXXX that a " Hard Inquiry '' was done on my credit report. It's been almost 4 years since i purchased a car from the CNAC finance company and since I've worked with them i have not authorized the company to pull my credit report to purchase a new vehicle. 

I called into CNAC and they have no knowledge of anyone pulling my credit report and said that they would need my authorization to access my credit. 

The hard inquiry has lowered my credit score and i have not been able to get an answer as to why a credit check was done without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Alert Type : Potentially Negative - New Collection Found On : XX/XX/2020 A collection change has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceXXXX Alert DateXXXX Balance Amount {$910.00} Is Collection YES Open Date XX/XX/2020 Payment Status UNPAID ( D ) Status Date XX/XX/2020 Name HARVARD COLLECTIONS Street Address XXXX XXXX XXXX CityXXXX StateIL ZipXXXX  Alert Type : New Account - New Account Found On : XX/XX/2020 A new account has appeared on your credit report. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceXXXX Alert Date XX/XX/2020 Account Balance {$910.00} Payment Status XXXX Name HARVARD COLLECTION SERV Business Type YC Street Address XXXX XXXX XXXX CityXXXX StateIL ZipXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Advanced Collection Bureau, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is for an apartment that upon moving into the unit there were plumbing issues, and the apartment was not up to code. The unit was being paid for by XXXX XXXX as I am a veteran. Upon learning of the living conditions my case manager with XXXX XXXX advised me to speak with the apartment manager and get the issues with plumbing resolved or I was entitled to move out free of penalties or any kind of damages to my rental history. Spoke with the apartment manager and she agreed to allow me to move out. I only lived in the apartment for a matter of less than 10 days and all the time I lived there was paid for with the veteran rental assistance program with XXXX industries who guaranteed 100 % of the rent while in the program. No damages were left to the property, fulfilled agreement with apartment manager. Now this is affecting my credit and rental history and it is completely unacceptable. If this is not removed from my credit, I will be seeking legal action against all involved parties. No formal eviction process was filed, and no financial responsibility whatsoever from the court systems were assessed at anytime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
just started building, and monitoring my credit a few years ago. I noticed that there was a {$340.00} amount listed under derogatory remarks. This was listed as XXXX, for the company XXXX. I tried several times to dispute through XXXX XXXX. Results came back that monies were owed. One of My issues is that I never received a phone call, or bill in the mail about this at all, ever. I have no idea when this debt was from. The other issue is that this was listed on my credit with XXXX, for XXXX, then was dropped off of my credit on XX/XX/20, then this debt was re-added on XX/XX/20 under another debt collection company called IC Systems, for the company XXXX. I believe that this may be something from many years ago, but I don`t really know. Also, how is it possible, or legal for this to be removed from my credit for approximately a month, with one debt collection company, under XXXX, then re-added to my credit by another company, under current business name, XXXX, same debt? 
I currently have, and have had XXXX  services for many years, and never received any notification of any monies owed. I believe this original so called debt of mine is way too old to be on my credit at all.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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 2023-01-29
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Equifax is denying me of my rights as a consumer!! 15 U.S. Code 1681c2- Block of information resulting from identity theft clearly says that the information required for a consumer reporting agency to block and delete information reporting on a consumer file. ( A ) Block- a consume reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft ; not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer- PROVIDED ; ( 2 ) a copy of an identity theft report-PROVIDED ; ( 3 ) the identification of such information by consumer-PROVIDED ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer-PROVIDED. It is clear that Equifax does not comply with federal law. Who gave Equifax the right to deny me as the consumer of my federally protected rights? I have provided everything necessary for this block of information. I have attached all documents. I also did not give Equifax my permission to place an extended fraud alert on my consumer file allegedly on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
What the heck is your problems is it that important for you to lie about people.

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 2021-01-28
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call on my answering machine from Arcadia Debt Resolution claiming I owed money On Thursday XX/XX/2021 I returned their call at XXXX XXXX  and asked how they obtained my unlisted number and what was this call was about as I have never had an unpaid bill The representative was XXXX would not provide a last name or employee number and he insisted I provide personal information before he could tell me what this was all about. I stated he should have all my info furthermore I have an XXXX credit score and monitor my credit reports I informed him if he could not discuss the issue without disclosure of my detailed info ( ssn etc ) I would terminate the call which I did I feel this was a scam and research into this firm I noticed there were numerous complaints against them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Upgrade, 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 went on XXXX XXXX to seek for a personal loan and was matched with Upgrade. 

I was offered and loan and selected it to see my rate, I noticed a credit inquiry was pulled when it said it would not pull a credit report. 

Forceablily after pulling my credit I called Upgrade, I was encouraged to provide over documents to approve my loan since I had come this far. 

Even after providing the documents they denied me for reasons out of my control and was given a hard inquiry on my report when I was never supposed to get one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Un-authorized inquiries, accounts, addresses, names and telephone 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 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 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 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 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 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX I have never owned a credit card from them. 

DID NOT AUTHORIZED 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 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 2020-09-17
Company: Experian Information Solutions Inc.
State: OH
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:
I filed for bankruptcy on mortagage. XX/XX/XXXX. When I was married XXXX ( to now ex spouse ) signed as joint owner. At time didnt even live in the house. And never lived in it. Got divorced later- XXXX. Signed Quit Claim Deed. But course name still on loan. X can not refiance ro get my name off. So I filed chap XXXX to get it off. But the act is still showing active/open!

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 2020-10-19
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: Investigation took more than 30 days

Complaint:
I have XXXXent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-11-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years.

Actually, my mon passed away because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't removed. 

2.I found 1 late payment of XXXX account almost over 10 years ago. 
In my opinion, any record over 7 years ago should be removed. 
I paid off this account. 

And these 2 accounts remain on my credit report as hard delinquency.

One of the records was waived, the other record was over 10years paid off the account. These accounts that were saved by information and covid 10 years ago still remain on the record.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 2017-07-04
Company: CORELOGIC INC
State: WA
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:
A  XXXX  mistakenly ran my credit with out asking for my approval first. I spoke with  XXXX   XXXX  about getting the inquiry removed and she agreed informing credco to remove for all credit reports.   XXXX  I have letters and documents that back this up. This was done  XXXX   XXXX     2017  and it 's still on my credit.   XXXX  I called credco and have a letter saying they will remove it but its still on my credit report. They ca n't seem to help me when I move. This is more of  XXXX    XXXX   fault,

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 2023-05-15
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}.

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 2023-05-15
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}, 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