BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NC
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 has been drawn out that 3 Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2021-02-10
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suntrust closed my account and havent issued me a check yet I keep getting the run around everytime I call they give me no exact date they will send it or give me no 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 2019-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 filed a dispute with TransUnion on XX/XX/XXXX regarding incorrect reporting by XXXX XXXX XXXX for an outstanding debt of {$260.00} dating back to XX/XX/XXXX. This is the result of an outstanding medical bill from XXXX XXXX. I provided support stating there was an outstanding balance of {$190.00} which was paid directly to the company. A copy of the invoice, check and bank statement showing the check cleared was provided however on XXXX XX/XX/XXXX, TransUnion stated their investigation verified the debt. I called the original debtor and they stated they had received payment for the original debt. Therefore this should be removed from my credit report. 

I never heard nor received any information from XXXX XXXX XXXX and XXXX XXXX should have notified them that they received payment.

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 2023-06-13
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please correct and update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Consumer Adjustment Company Incorporated
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
They never sent me a letter to acknowledge they were taking over a debt, never attempted to contact me to try to settle the debt. No letters. No calls. Nothing. Just hit my credit for 2 months and counting. I disputed my credit report because they are supposed to notify me but no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XX/XX/2023 I received an alert from my credit monitoring service regarding fraudulent accounts, inquiries, and personal information listed as " InquiryXXXX XXXX XXXX, Employer : " XXXX '' XXXX Employer : " XXXX XXXX XXXX XXXX XXXX Name : " XXXX, XXXX '' on my Transunion consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this 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 2023-03-24
Company: Experian Information Solutions Inc.
State: NV
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 EXperian is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX {$32000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$260000.00}.

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 explanation
Consumer complaint received 2021-07-10
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an account through Discount Tires that started XX/XX/2020. I had been using this card on a regular basis ever since and making regular, on time payments. I never had one late payment. During the XX/XX/XXXX weekend, I decided to check my credit card balances like I typically do and noticed I wasnt able to check my balance on my Synchrony card. I finally was able to regain access through their web site and saw they had just randomly closed my account. I called and chatted with 2 representatives and 1 said they verbally closed my account based on my credit score and what 3 credit bureau agencies reported. The other representative provided no valid information and chat just stopped working. They then charged {$95.00}, which randomly hiked my account balance above the limit. This has occurred twice within less then a year.To remedy this situation, they must, 1. Reopen my account. 2. Void both {$90.00} or so charges. If this does not happen, I will seek legal representation.

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 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed a XXXX account as not mine and the investigation finished on XX/XX/XXXX showing the account is mine. I accept this. TransUnion made an error updating my credit report. It shows that my four late payments were in XXXX, XXXX of XXXX then again in XXXX and XX/XX/XXXX. TransUnion did not understand that they updated my credit report incorrectly on XX/XX/XXXX. The investigation results from XXXX show that these payments were from XXXX. It now looks like I was delinquent this year and that is not true. TransUnion says I need to dispute with XXXX, but it is TransUnions reporting of the investigation results at issue.

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 2023-05-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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:
As per the previous CFPB complaint ID # XXXX, Experian continues to report bankruptcies without validity to the true source of the certifying company. Per CFPB trade law this is a requirement. Experian 's response to the previous complaint is as follows : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ( see report results attached ) Additionally Experian.com states XXXX XXXX XXXX XXXX XXXX XXXX is a provider of bankruptcy information to Experian ; XXXX : XXXX Therefore I have also contacted XXXX and no such information has been certified as per Experian stating that it is accurate information ( see attached ) I am again requesting that all bankruptcy items be removed from my credit report immediately. If needed, the case would need to be transferred to the FTC. 

Reference CFPB complaint ID # XXXX filed XX/XX/2021 : After sending several letters to the credit bureau requesting verification of the bankruptcy being reported on my consumer report, they continue to reply that the bankruptcy has been verified by the company and continue to report it. I contacted the US Bankruptcy Court and spoke with XXXX XXXX ( I will attach that, see attached ). XXXX XXXX stated that they do not report information to the credit bureau, and they do not verify this information. According to the law that governs the FDCPA, to verify a debt or bankruptcy, you can not verify a bankruptcy through a third party, in such, it means that obviously that the agency is getting their information from a 3rd party which is not legal for reporting. I am requesting all bankruptcy related items be removed from my credit report promptly. Because I have made this known to the credit reporting agencies, they are willfully and neglectfully reporting this 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: MA
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 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 explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: AL
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 car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX  XXXX Please update ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: EQUIFAX, INC.
State: IL
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 requested that my Bankruptcy be removed from my public record. I show proof that the United States Bankruptcy Court does not furnish this information to the credit bureaus. I provided this to the Equifax and XXXX. They refuse to provide me with the information who reported this to my report and refuse to remove this from my report. I request that the Bankruptcy be remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I mailed out letters to the credit bureaus requesting a verification of the items listed on my credit report. They responded saying that the information was accurate. 

After further investigation and thorough research I discovered improper inaccuracies on my credit report after their alleged verification. 

Accounts in question : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX Account # : XXXX- XXXX ( reporting the same debt twice with two different account numbers. ) XXXX XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) Reporting as : ( Original Creditor : ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # : XXXX ( Multiple inaccuracies found ) XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) XXXX  XXXX Account # : XXXX ( Multiple inaccuracies found ) In accordance with the Fair Credit Reporting act Convergent Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-14
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was affected by TransUnion inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called TransUnion multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus. 

The list of inquiries that should be removed from my credit report immediately are as follows : TransUnion : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXXXXXX XXXX : 1 ) XXXX XXXX XXXX XXXX 
XX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A XXXX  : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A

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 2019-09-04
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Received solicitation for a loan as " PreQualified Offer ''. Went to website to inquire and see what was involved as I know the difference between " prequalified and preapproved ''. The online process had 4 steps. Steps 1 through 3 made the claim " this will not impact your credit report ''. At the end of step 3 a message appeared naming my application " pre-approved ''. The 4th step included a notice that this step MAY impact your credit report. I would not have proceeded except for the " pre-approved '' status from earlier step. My information and documents provided matched my application but I was denied after being pre-approved. Company claims this is standard practice but in my experience Pre-Qualified really just means pulled from some list of criteria whereas preapproved means if your information as shared is true, you are approved. So, despite my best efforts to be cautious I have a credit ding owing to their practice which may or may not be legal but if you go through their online process you will see it is deceptive

Company response to consumer: Closed with explanation