BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh 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 2021-06-28
Company: The Bureaus, 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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX, I have taken active measures with TransUnion to correct an error on my credit report. In XX/XX/XXXX, I filed Ch. XXXX Bankruptcy. Per the counsel of my attorney, I included my student loan with XXXX XXXX as an outstanding debt ; however, I did not request to have student loan with XXXX XXXX to be written off. Even if I had requested to write off my student loan under Ch. XXXX Bankruptcy, I am fully aware that the request would have been rejected - one can not write off a student loan. 

Despite these facts, TransUnion continues to report my account with XXXX XXXX as " closed '', having an unidentifiable balance, and with comments stating, " Included in Ch. XXXX Bankruptcy. '' To be clear, I am actively making payments on this account have been making payments on this account. I have never made a late payment. According to XXXX XXXX, the account is " Current and in Good Standing ''.

I have opened four direct disputes with TranUunion, the most recent of which on XX/XX/XXXX. Each dispute resolution has failed to change the information. By showing that my student loan was closed due to a Ch. XXXX Bankruptcy, I am being financially burdened in that this action adversely affects my credit score. During my disputes, I have spoken with members of XXXX XXXX in which I was told that the information was correctly being reported to TransUnion. Upon reading the results of the most recently closed investigation conducted by TransUnion on XX/XX/XXXX, I immediately requested the investigation be re-evaluated and provided documentation from XXXX XXXX, which stated my account was in repayment and that it had a positive balance. I spoke with XXXX XXXX of the Customer Service Division, TransUnion on XX/XX/XXXX, and she stated that " the documentation provided does not meet the standards set forth by TransUnion '' despite it being an official document provided by XXXX XXXX. 

XXXX is reporting my account information correctly for XXXX XXXX. 

TransUnion 's failed reporting is putting downward pressure on my credit score and adversely affecting my ability to pursue a positive financial future. I do not know to whom to turn. I have exhausted all official channels of TransUnion 's dispute process. Please provide assistance. Thank you.

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 2023-08-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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
Consumer complaint received 2019-06-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Heartland ECSI has predatory debt collecting processes. On XX/XX/2019, I enrolled in automatic payments to pay my account of XXXX dollars. The process was cancelled. On XX/XX/2019 I again, enrolled in automatic payments for XXXX dollars because I want to avoid the one time service fee. That also was cancelled. There is no way for these payments to fail on my side because I had given my routing number and my account number of my bank account, and I am fortunate enough to have a career that keeps my bank account full and ironically provide insights on how payment services work in financial industries. Now today XX/XX/2019. I called to complain why this is occurring and I received no explanation to why the payment did not go through. I was told that Heartland received my money, and then gave it back to my account. I asked them to enroll me in automatic payments and the operator that i was speaking to implied that if we the user enroll in their automatic payments it will not work. I asked the man to enroll me in automatic payments that will reflect my future XXXX dollar monthly payments and the man enrolled me in XXXX  future payments. I caved in today, payed the XXXX with the service fee because I do not want ANOTHER LATE FEE. People who are paying their debt to this agency are left with monitoring both workers and their pay system to make sure their money is going through. Further research on XXXX comment section indicates I am not the only one. This is easily a class action lawsuit. I am a XXXX XXXX  that works in PAYMENT SERVICES for XXXX XXXX, an international, billions of dollars net worth company, and this is extremely unacceptable from an agency whose only responsibility is to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
To whom it may concern, You state that the inquiries on my credit report are factual. You delivered dispute results to me on XX/XX/XXXX at XXXX outside of the CFPB , which is the only place I gave you permission to contact me, that is a {$1000.00} fine. Furthermore, you state that you completed an investigation and the inquiries are a factual record. Pursuant to 15 usc 1681a ( e ) -The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Who did you interview as required by law? The items need to be deleted from my credit file immediately as required by law. 
XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
My XXXX  and Transunion report have my XXXX XXXX account stuck in a past due status. It was paid off in full when it was 60 days past due but it is still stuck in a 60 day past due status. XXXX has updated it to paid as agreed, but when you look at Transunion and XXXX, they show the account as : account delinquent 60 days past due. 

This is hurting my credit score and it shows that I am currently delinquent.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.

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 2021-06-22
Company: Amsher Collection Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled a recurring payment with XXXX on XX/XX/XXXX and never received a confirmation of cancellation. I reached out to the merchant to confirm that night and they said that they found no record of my account and that it was cancelled. When I tried to search for the transaction the next month on my online credit card statement I didnt find it, but realized much later that I was still being charged with a variation of the name on my credit card. After discovering the charge had continued and given the previous phone attempt had failed to cancel the account, I visited a XXXX retail store in person on XX/XX/XXXX where they confirmed that there had been zero activity for the duration of that time, but they would not or could not correct any charges there or via XXXX customer support. I was told the account was closed and no balance was due. They instead said if I wished to pursue a refund, I needed to dispute the charges directly with my credit card company, which I did. 

I received no further communication from the company or their agents until XX/XX/XXXX, at which point I received a notice labeled as a " Final Bill '' dated XX/XX/XXXX stating I had 10 days to pay the balance owed before the account would be referred to collections. The very next day, I received a collections notice from XXXX  XXXX dated XX/XX/XXXX, indicating the account had already been referred to collections and I didnt have 10 days to pay. XXXX refused to discuss the notice, account, or debt when contacted. XXXX XXXX was notified that the debt was disputed on XX/XX/XXXX. 

Shortly after, I received another notice from XXXX, a different collection agency, stating that my card would be charged again automatically on XX/XX/XXXX, the original amount ( {$180.00} ) plus a series of fees ( {$140.00} ), including a {$35.00} fee on a {$0.00} transaction disputed. It was also disputed immediately via phone, but as with previous contacts, outside of the initial notices, I have received no further communication. 

On XX/XX/XXXX, I received a new notice from a new collection agency Amsher Collections services that {$200.00} was still owed. At which point, I promptly sent them a notice via email that this is disputed and has been disputed previously. 

While this started with a dispute over {$180.00} with XXXX and subsequently with the credit card company over charges for a service that was not provided, those fees are no longer even in dispute as they were not refunded to me. Yet I have still been contacted by collections agencies over the course of a year for amounts above and beyond the original amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Credit reporting 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 noticed unauthorized payments, specifically the consecutive months of XXXX XXXX, on my subsidized student loan I acquired was advised that I would be granted a financial plan to keep the loan paused during the time frame Ive listed above. 4 years later these payments are showing financial institutions that Im not worthy enough to start business & interact with them, let alone get forms of checking and saving accounts with them. due to FCRA laws protecting my credit profile, Im requesting the payments be validated across all three bureaus. Im also requesting to have the remarks listed on my credit removed & brought back into good standing. Thanks have a great week, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 Enhanced Recovery add a derogatory mark on my credit report per XXXX XXXX upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA. Enhanced Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: EQUIFAX, 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:
A late payment is reporting on my credit report This is incorrect, I was granted a extension. 
My account is paid up and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I had a IRS tax lien placed on me XXXX/XXXX/XXXX. I paid it off and the lien was released XXXX/XXXX/XXXX. Therefore, I have no balance and the negative report should disappear. I requested the change by XXXX and XXXX. They made no changes and claimed their data was correct. XXXX XXXX removed the negative report when I requested it.

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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Westlake Services, LLC
State: TX
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:
On XX/XX/XXXX Westlake financial received a payment and then showed up to repossess our vehicle after the payment was made. I was told that they would be taking care of the repossession and fees. Later, they put a rendered repo on my credit. I called the company for a year and finally talked to their head of legal. He informed me it would be taken care of. I then received an email stating that they would be removing the repo from mine and my husbands credit and it would be complete by XX/XX/XXXX. It still remains. I have sent multiple letters, called the company MANY times, sent letters to the credit bureaus and called the credit bureaus and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I paid for serviced with the original creditor ( XXXX XXXX ) and they sent a balance to collections that I do not owe. I believe they have done so in error or have my account confused with another customer.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. Please update and correct the 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 2021-04-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Account # XXXX for {$49000.00} and XXXX Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOBXXXX, SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard Inquiries that i don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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