BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. 

I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Four Directions Lending LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I didn't get any information about garnishments before sending a letter to my prior employer for garnishment. I thought that the court handles garnishment and there is a third party XXXX XXXX  in AZ that inform the prior employer company to garnish the wages. I've tried to call them to make a payment plan but decline to talk to me they rather deal with employer that I don't work for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by EQUIFAX.I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9300.00} /XX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance {$16000.00} / XX/XX/XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} / XXXXXX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance / XX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance / XX/XX/XXXXXXXX Date opened XX/XX/XXXX / Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
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: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion willfully dropped my vantage score over XXXX points. This was a malicious act toward this consumer. I pay all my credit card etc on time and they are willfully lowering my score to keep me from being able to acquire any other loans. I disputed inquiries that had been on my report fraudulently and they lowered my vantage score. As a XXXX consumer I see this a being an attack towards my character and my credit. They have also failed to provide proof that they acquired a bankruptcy on my name and keep stating verified. I will be taking further action with the federal courts.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following ( XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


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 2023-08-10
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:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-01-09
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A cashier convinced me to get a XXXX XXXX department store card to save money on a purchase. Against my better judgement, I did. I forgot I had the card until a late payment showed up on my Experian credit report on XX/XX/2019. I moved twice in 2019 and didn't receive the bills in the mail as XXXX XXXX has an old address on file. On XX/XX/2019, I paid the XXXX XXXX card off. A total of {$280.00}. 

Before this, I have never made a late payment in my life. Nevertheless, my FICO score dropped 79 points. This is a crushing blow, considering I just started building credit aprox. 10 years ago. 

I opened a dispute with Experian. They closed the issue, but would not tell me the outcome of the investigation or what will happen next. I also contacted their dispute center directly via the phone. The first representative asked me to upload documents at experian.com/upload and said he would not be able to supply any other information. The upload web page did not work, so I called second time. The lady told me my documents had to be in black and white, to clear my cache/cookies, and had to be less than X amount of MB in file size. She would not hold while I converted the documents to black and white and asked me to call back with any problems. I received the same error message the second time. I called a third time. The third representative told me I would need to mail the documents via USPS. 

I also contacted XXXX XXXX to come up with some sort of arrangement. In short, they told me I needed to write a letter to the Credit Administration as they have no phone, email, fax or website. 

Everything was paid off. This was a simple oversight. I make plenty of money and the charge was only for {$280.00}. I have never been late on anything in my life. How can my credit score ( which decides whether I can buy a car, a home, etc ) drop 79 points because of something so small. I feel they are making it impossible for me to correct a minor mistake I will mail the letters and any supporting documents, but I doubt I will receive any form of resolution from XXXX 's or the credit bureaus.

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 2023-08-10
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX ( XXXX XXXX XXXX XXXX XXXX require the XXXX credit bureaus to validate these accounts ( XXXX  ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$990.00}

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 2022-01-30
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). MediCredit had recently deleted their account from my credit report and then added it back ( I've attached the deleted letter to this complaint ) - they are in violation of 15 U.S code 1681a ( i ) ( 2 ) - 15 USC code 1692k - Civil liability MediCredit is in violation according to the Gramm-Leach-Bliley Act for comprising my information since I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. Also financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act. The FTC is one of the federal agencies that enforces provisions of Gramm-Leach Bliley , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-09
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express offers reimbursement of charges for the TSA PreCheck Program to holders of the American Express Business Platinum Card, according to terms on its website, totaling {$85.00}. The card in my hand right now says, at top, AMERICAN EXPRESS BUSINESS and has the words PLATINUM written on the side. The card is also platinum colored. 

Amex refused my request for a credit to reimburse because according to their records, I do not have a platinum business card, but a regular business card. They wouldn't let me send a photo, and gave me a random fax number, then said it wouldn't matter anyway. 

By offering this account credit and sending me a card labeled AMERICAN EXPRES BUSINESS PLATINUM, I assumed I was entitled to the advertised credit, and went ahead and purchased TSA precheck and asked for the credit. I was repeatedly stonewalled. I have a record of the chat and photo of my card and believe they have falsely advertised a service to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Lendmark Financial Services
State: SC
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 several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX XXXX XXXX = XX/XX/XXXX Lendmark Financial S 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 2023-08-14
Company: EQUIFAX, INC.
State: NY
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 A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this message finds you well. I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) that have significantly affected my credit report. My goal is to seek enforcement of my legal rights as a consumer and request your assistance in rectifying these violations. 

I am a diligent individual who believes in the importance of financial responsibility. I have worked tirelessly to maintain a positive credit history and ensure the accuracy of my credit report. However, I find myself in a distressing situation due to unauthorized inquiries, inaccurate account reporting, and questionable information on my credit report. These issues have not only caused financial stress but have also had a profound emotional impact on my life. 

As a victim of these violations, I have experienced firsthand the frustration and anxiety that stem from the inability to secure reasonable interest rates for loans and credit cards. These inaccurate entries have directly hindered my ability to achieve significant life goals, such as purchasing a home and securing financing for necessary expenses. I have had to endure sleepless nights, constant worry, and the mental toll of feeling powerless in the face of a system that is supposed to protect consumers. 

Specifically, I have identified the following violations : Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Inaccurate Account Reporting XXXX XXXX XXXX ( Account XXXX XXXX XXXX ) Questionable Account Information : XXXX ( Account Number : XXXX ) I implore you to consider the immense impact that these violations have had on my financial and emotional well-being. I kindly request your intervention to ensure that the creditors involved remove the unverified accounts and inquiries from my credit report, thus allowing me the chance to rebuild my credit history accurately and without the unjust obstacles that have plagued my life. 

Please assist me in upholding the principles of the Fair Credit Reporting Act by taking necessary actions against these violations and ensuring my rights are protected. I thank you in advance for your attention to this matter and your commitment to consumer protection. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: EQUIFAX, 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 have tried to fix an on going issue with the company and I have not receive any resolve. I reported Identity theft in 2019. There after they allowed the same companies and the same person affect my credit report without verifying through me. These companies never sent me any correspondence because they didnt have my information. They obtained the information from the credit bureaus. They only had my social but nothing else because the person who stole my identity theft used their address. I never lived in California so why do I have california addresses and accounts associated with them on my report. Also I have been denied credit and thats against the law for my credit should be equitable to me the consumer. No bad debt should be reported without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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 applied for a loan today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify due to having several accounts in negative standing. None of those accounts are mine ; I did not open any of those accounts and I did not give anyone permission to open those accounts with my personal information. I filed a police report as soon as I could after finding out about these unauthorized accounts. I did not benefit anything from these accounts nor did I make any payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I did not allow them to access my credit information.

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