BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2021-12-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens Bank locked out my online account, requiring me to call in. However, when you call in, the system has no provisions to recognize a mortgage account, only a banking account ( checking/savings ) so you can not actually call in and get it unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Express Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written the company on two different occasions asking them to correct this error, XX/XX/XXXX and XX/XX/XXXX. This is company is trying to collect money from me that I do not owe. They have reported four different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company at my local venue and will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: CT
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:
There is one closed collection account by XXXX XXXX XXXX XXXX XXXX that Equifax is refusing to remove from my credit. I challenged the incorrect information with the company which once they were not able to VALIDATE the debt as mine, they have sent all 3 credit bureaus a letter back in XX/XX/2017 to remove their agency from my report. XXXX and XXXX have done so, but equifax is still refusing to remove this inaccurate information from my credit report. This inaccurate account is effecting my credit score which has become very frustrating to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to state that XXXX is in direct violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX written consent to report anything on my behalf on this consumer report. No consent is identity theft. Furthermore under 15 USC 1681 ( a ) ( 3 ) XXXX assumed this role without permission not only did they not have my permission they didn't have my consent. This company did not respect my rights to privacy which is under 15 USC ( a ) ( 4 ) XXXX did not exercise their grave responsibility, they were unfair and partial. 15 USC ( b ) ( 2 ) XXXX never had a permissible purpose. I never instructed XXXX to furnish this report and I never consented to this report in the first place. I am demanding deletion off all this unauthorized account on this report or I no longer want to continue to do business with this company

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 2020-09-14
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
PLEASE DO NOT CLOSE THIS COMPLIANT AS THIS IS NOT DUPLICATE, AND I NEED ASSISTANCE IMMEDIATELY. THE SAME COMPANIES MAYBE LISTED IN DIFFERENT COMPLIANTS, BUT LISTEN MY PROBLEM IS NOT SOLVED, NOR HAS IT BEEN, SO I WILL CONTINUE TO FILE A COMPLAINT UNTIL I GET THE INACCURATE accounts ( REMOVED ) FROM CREDIT REPORT XXXXCHAPTER XXXX BANKRUPTCY ( REMOVED ) XXXX ( REMOVED ) XXXX XXXX ( REMOVED ) XXXX. XXXX XXXX ( REMOVED ) XXXX CREDIT ACCEPTANCE ( LATE PAYMENT REMOVED ) Hello, To Whom It XXXX Concern As Ive been disputing CHAPTER XXXX BANKRUPTCY from my credit REPORT, Since XX/XX/2021 along with other inaccuracies, Such As XXXX XXXX XXXXXXXX XXXX  XXXX AND XXXX XXXX Ive also filled multiple complaints do to this same reasoning. In results to the complaint I still havent received the satisfactory results I need. Such as investigating the inaccurate accounts, and removing accounts once it comes back as unverified. The companies listed above are also refusing to READ, and accept the certified documentation supporting my disputes. The companies XXXX, XXXX, EXPERIAN, AND XXXX. Are constantly refusing to update my credit file, nor are they using my supporting documentation for evidence. They are refusing to communicate with each other/creditor. Informing me I should dispute the inaccurate accounts directly through the creditor. In results to me disputing the inaccurate accounts DIRECTLY with the creditor. I received more than a few documents stating I do no owe on any accounts listed above. Chapter XXXX bankruptcy has also came back as unverified, and I was NEVER LATE ON CREDIT ACCEPTANCE ACCOUNT. I dont think its fair for XXXX XXXX XXXX XXXX XXXX XXXX AND EXPERIAN XXXX TO LIE AND SHARE WITH THE CFPB STATING THEIR STILL WORKING ON SUCH DISPUTES. BUT IN THE MEANTIME INFORMING ME THE ACCOUNTS ARE VERIFIED AND WILL NOT BE REMOVED. As their is nothing to work on they just need to complete their job and update my credit report As Ive already provided correct documentation multiple times. STATING THE REMOVAL OF UNVERIFIED ACCOUNTS. Today on XXXXXXXXXXXX I was told by EXPERIAN REPRESENTATIVE THEYll continue to report the inaccurate accounts, and refusing to delete the accounts, until THE CREDITOR XXXX, XXXX, XXXX XXXX CONTACT THEM, although the companies are refusing to communicate with each other, and delete the inaccurate accounts. This is not fair as Im the little guy, and the big companies are getting away with lieing to the CFPB, and not doing their job I should not have to constantly file a complaint after complaint.

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 2021-12-08
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: Was not notified of investigation status or results

Complaint:
PLEASE DO NOT CLOSE THIS COMPLIANT AS THIS IS NOT DUPLICATE, AND I NEED ASSISTANCE IMMEDIATELY. THE SAME COMPANIES MAYBE LISTED IN DIFFERENT COMPLIANTS, BUT LISTEN MY PROBLEM IS NOT SOLVED, NOR HAS IT BEEN, SO I WILL CONTINUE TO FILE A COMPLAINT UNTIL I GET THE INACCURATE accounts ( REMOVED ) FROM CREDIT REPORT 1.CHAPTER XXXX BANKRUPTCY ( REMOVED ) XXXX ( REMOVED ) XXXX XXXX ( REMOVED ) XXXX. XXXX XXXX ( REMOVED ) XXXX XXXX XXXX ( LATE PAYMENT REMOVED ) Hello, To Whom It May Concern As Ive been disputing CHAPTER XXXX BANKRUPTCY from my credit REPORT, Since XX/XX/2021 along with other inaccuracies, Such As XXXX XXXX, XXXXXXXX XXXXXXXX XXXX AND XXXX FUNDING, Ive also filled multiple complaints do to this same reasoning. In results to the complaint I still havent received the satisfactory results I need. Such as investigating the inaccurate accounts, and removing accounts once it comes back as unverified. The companies listed above are also refusing to READ, and accept the certified documentation supporting my disputes. The companies XXXX, TRANSUNION, XXXX, AND XXXX. Are constantly refusing to update my credit file, nor are they using my supporting documentation for evidence. They are refusing to communicate with each other/creditor. Informing me I should dispute the inaccurate accounts directly through the creditor. In results to me disputing the inaccurate accounts DIRECTLY with the creditor. I received more than a few documents stating I do no owe on any accounts listed above. Chapter XXXX bankruptcy has also came back as unverified, and I was NEVER LATE ON CREDIT ACCEPTANCE ACCOUNT. I dont think its fair for XXXX XXXX XXXX XXXX TRANSUNION XXXX AND XXXX XXXX TO LIE AND SHARE WITH THE CFPB STATING THEIR STILL WORKING ON SUCH DISPUTES. BUT IN THE MEANTIME INFORMING ME THE ACCOUNTS ARE VERIFIED AND WILL NOT BE REMOVED. As their is nothing to work on they just need to complete their job and update my credit report As Ive already provided correct documentation multiple times. STATING THE REMOVAL OF UNVERIFIED ACCOUNTS. Today on XXXX I was told by XXXX REPRESENTATIVE THEYll continue to report the inaccurate accounts, and refusing to delete the accounts, until THE CREDITOR XXXX, XXXX, XXXX XXXX CONTACT THEM, although the companies are refusing to communicate with each other, and delete the inaccurate accounts. This is not fair as Im the little guy, and the big companies are getting away with lieing to the CFPB, and not doing their job I should not have to constantly file a complaint after complaint.

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 2021-02-17
Company: AMERICAN EXPRESS COMPANY
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:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMEX ( XX/XX/XXXX and XX/XX/XXXX ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Experian many times to get problem solved. I am asking them to verify that the debt actually belongs to me. They have not provided any proof of doing this. The account was removed from report and then placed back on with notification. They have violated two laws. The account was disputed and removed before and now appears again One by not verifying the debt and another by not notifying me that the account was added back to my report.

This item should be removed from my report immediately per the fair reporting act. or verify debt XXXX XXXX XXXX Account number XXXX open XX/XX/2015

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Time Investment Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Time finance is still reporting this account as its still open.. however the account is charge off and the reporting it with a open balance ... I have reach out to them and explaining to them that this account needs to be remove especially if they have already charged it off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 XXXX 2017 and XXXX i have an inquirys from XXXX XXXX XXXX that I need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX I was trying to buy concert tix on XXXX. The seller said he did n't have a XXXX account, which I always use because it is SECURED. He offered to use XXXX. I immediately went on my bank 's website, WELLS FARGO, and read their notes about their partnership with XXXX. It said clearly that they SECURED XXXX transactions! I felt comfortable and processed the {$500.00} payment. After not receiving my tix in 15 minutes, I was on the phone with Wells Fargo to report fraud. They said, " It was great that I called right away and they would handle this for me. '' Well, after a few months of " investigating, '' they will not reimburse my money and I now see that the " We secure these transactions '' verbiage from their site is no longer there. Please help!

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 2021-02-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. someone has attempted to get credit in my name. Someone attempted to get accounts in my name. I pulled my credit report and saw inquiries that I did not authorize in my name. I have reported the problems with XXXX, Equifax and XXXX and the problems has not been resolved. It has been well over 60 days and i have not received and results or explinations. Could someone please help me with this issue. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am a young kid with a whole life ahead of me and I can not do anything in my life currently because of the effects of this negative account reporting to my credit. I have reached out to all bureaus in regards to this single account that is effecting me and causing me stress. There has been no help or validation of the account from any XXXX of them. The account that is not validated and totally violating any sort of compliance in regards to credit reporting is, Account name : XXXX XXXX, Account # : XXXX, Not to mention this account is not even reporting to my XXXX account therefore it should not be reporting to XXXX XXXX XXXX Experian. PLEASE DELETE THIS ACCOUNT AS SOON AS POSSIBLE!

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 2020-09-14
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:
XXXX XXXX agreed to remove late marker on credit file date for XX/XX/19. However Transunion and XXXX  will not allow me to reinvestigate or submit a dispute.

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 2022-11-18
Company: EQUIFAX, 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:
I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation