BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: NE
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 placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : Two inquiries are listed on my Equifax credit file that I did not authorize. They are listed below XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information two times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Experian Information Solutions Inc.
State: GA
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:
There were credit inquires on my credit report not authorized by me. 

Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019

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: LA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-14
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new account with Truist on XX/XX/XXXX with an opening deposit of {$250.00}. 
I tried to log into my new account on XX/XX/XXXX and could not access my online account. I was told to go into the bank to show my ID to resolve. 

I went back the following week and they were able to unlock my account at the local branch. My company attempted to direct deposit my paycheck to the Truist account on XXXX, but the direct deposit was rejected. 

I found I was locked out of my account again and that my account was charged a {$12.00} service fee on XXXX because a direct deposit had not been made to the account yet. I went into the local branch on XX/XX/XXXX in an attempt to resolve the issue. 

The local branch then notified me that corporate Truist intentionally rejected my direct deposit and then closed my account. 

I feel like Truist basically stole {$12.00} from me by forcing me in a situation where I was not able to make deposits to the account to avoid the service fee and then ultimately closed out the account. 

The local branch told me they could not refund the fee as it was put on the account by corporate and corporate Truist told me the local branch had to handle. They had me stuck in the middle of their ineptitude.

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 monetary relief
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: AL
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:
On numerous occasions I have sent my social security card and drivers license to all three CRA 's and old address still re-appear. I have informed them to please remove all other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX SS # : XXXX Re : Account Number : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by XXXX XXXX XXXX I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. 
After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistant across Credit Bureau 2. Status inconsistant across Credit Bureau 3. Most Recent Adverse Rating inconsistant across Credit Bureau 4. Comments inconsistant across Credit Bureau 5. Account Details inconsistant across Credit Bureau 6. Payment History inconsistant across Credit Bureau.

Based on these violations, I request that you remove this account from my credit report. I have already contacted XXXX XXXX XXXX and requested that they remove the account, they refused to do so. 
Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerly, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a background check submitted to this CheckR on XX/XX/2021. They are over 8 weeks since this was submitted. They state in many places 3 to 5 business days. I have tried calling, no matter what option selected their phone systeem will tell you there is no one to take your call and hangs up. They took 6 weeks to answer an email, and all it said was most background checks take 3-5 business days some may take longer due to court turn times. There is no getting a resolution. This company is not accountable to anyone. They are costing me thousands of dollars I could be making if working at the job they are supposed to be clearing my background check for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: EQUIFAX, INC.
State: MO
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:
CFPB, Please accept this complaint as a formal notice that Equifax is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX with an account number of XXXX on XX/XX/XXXX ( attachment A ). Equifax received my letter on XX/XX/XXXX. I informed them that this account is no longer supposed to be reported negatively and supplied Equifax with documentation supporting my dispute ( attachment B ). This account should have NO negative payment history, and it appears this information has been updated correctly, however, Equifax is still reporting a payment status of at least 120 days or more than 4 payments past due, and this is inaccurate since all payment history is reflecting paid on time and as agreed ( attachment D ). The account number was also changed and they are reporting and inaccurate open date of XX/XX/XXXX. The original account number should be XXXX. And the accurate open date is XX/XX/XXXX and is being reported as such to TransUnion ( attachment C ).  Equifax is also reporting a high credit balance of {$2500.00}. This is inaccurate, as it is being reported to XXXX  as {$0.00}. Equifax is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 2018-02-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unfair charges to pay mortgage and credit reporting I have the Mortgage Account with Loancare. Paying on time ( Every XX/XX/XXXX of the Month ) thru my bill pay account. I realized from their statements late charged after XX/XX/XXXX that my billpay is physically mailing them the checks and they are receiving after XX/XX/XXXX. I  tried to schedule auto payments form their website but it does not schedule the payment once it is due ( after XX/XX/XXXX ). Then I started paying for their website but they charge the fee to pay online after XX/XX/XXXX of every month. More closer you are of the deadline ( XX/XX/XXXX day of month ) higher the fee. I called in so many times but never got anyone to talk to. Finally i got someone to talk in Mid ofXX/XX/XXXX ( I guess it was XX/XX/XXXX ) and request them to make auto draft every  month. They took my banking info and told me that it will be schedule from next month. I went out of country in XX/XX/XXXX and came back in mid of XX/XX/XXXX and received mails that I am behind my mortgage for 2 months. I checked my bank account and found that no draft was made. Ever since i am trying to contact them by phone but found no human to talk to. I sent them 2 request to explain all this thru their website contact us form on XX/XX/XXXX and XX/XX/XXXX but they did not contacted us. They reported us to the credit bureau. Charged is {$190.00} for the late fee. Higher than anywhere.

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: 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:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts.

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 2019-12-22
Company: EQUIFAX, INC.
State: TN
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 XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. Ally refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX are misreporting the loan balance. Ally continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Opened XXXX XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments

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 2022-05-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX has the following WRONG addresses 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 XXXXXXXX XXXX has the following WRONG addresses 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses do not belong to me and may be negatively effecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi my name is XXXX XXXX XXXX XXXX. I am filing this complaint for my self and it is NOT a duplicate complaint. 

Experian has been inaccurately reporting an account with XXXX XXXX XXXX XXXX. Transactions and Experiences should not be reported without my written consent. Furthermore Experian failed to correct the inaccurate information or delete the account per a previous dispute. 

The XXXX XXXX XXXX XXXX account is reporting a charge off in XXXX of 2018 and a repossession in XXXX of 2018. This reporting is inaccurate. There were payments made in between XXXX and XXXX that have not been reflected on my consumer report. Instead adverse information was placed on my report which has caused me damage.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: VA
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:
ive wrote and call experian to remove wrong names and a social security number thats not mine and they still refuse to remove wrong names and wrong social security number

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 2023-02-13
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:
In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions

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 2022-01-17
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Xoom, a XXXX service to send money to a friend in XXXX XXXX, XXXX on XXXX XX/XX/2022I received an email that they have verified my funds were available and the money transfer would be rush delivery at no extra charge. Then amount was for {$300.00} plus {$5.00} transaction fee. The exchange rate was XXXX XXXX PHP. Recipient receives XXXX PHP. I started tracking the account the following date XX/XX/XXXX and the transaction status showed on tract. Transfer in progress. Today is XXXXXX/XX/2022and the money has not been delivered. I have sent Xoom several emails following up to see why the money never got to my friend and but their website was still showing transfer in Progress. The reply to the emails I have been getting back are all the same generic responses. In XX/XX/XXXX, I sent them another email demanding to cancel my transaction and credit back my credit card since the transfer never happened. I got a response saying before they can do it they will need confirmation from their payment partner. Its apparent that their payment partner has ghosted them. I had no hand in Xoom 's choice of payment partner so I should not bear the consequence if they defaulted. As of today the transaction status on my account still shows on tract. Still no money transferred and no credit to my account. I just want my money credited back to credit card since it is accruing interest. Please help me resolve this issue. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-16
Company: EQUIFAX, 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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation