BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: ID
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:
Working with Experian, report number XXXX, case number XXXX Report date : XXXX XXXX, 2017 has been way frustrating. They will not remove several errors on my report due to identity theft. I have been on the phone with them for over 12 hours, used their web sites, spoke to several employees to get their errors fixed, and they refuse. They would rather use mail to contact me. When I fill out the forms and return them, they say they need more information. They will not remove addresses from Florida that I have requested several times. I have never lived in Florida, never even visited the state either. My report shows 2 social security numbers, ( red flag to a competent person! ) It also shows two names and several addresses that I have never lived. I wanted to take a loan to purchase a new truck, but because of their errors, my credit shows to be in the gutter. They have given nothing but hardship and pain and it is not my fault. I have had flawless credit my entire life! I ask for employee names, but they do not offer last names, nor extension numbers to contact personnel. You are on hold for at least 30 minutes per call and get to deal with who you are dealt with-no chance to deal with that person again. How slimy is that and is that the kind of service I deserve? I am at the point of hiring an attorney to file a lawsuit against these clowns. I have been dealing with these people for over 2 months now to get my credit where it belongs and nothing, very frustrated.

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 2023-02-09
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I sent a payment on XX/XX/23 and the app does not include a transaction date. It only has given the following : Today, Yesterday, and Saturday. 

I did the online chat and was told I can find the statement under documents in the app however the statements are issued 6 days after the end of the month. My follow up question was not answered. The app provides no phone or email contact information. 

I would like a transaction date so I can submit a claim to my insurance for services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
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:
In Accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

Inquires

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: 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 FILED A DISPUTE WITH REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAYS I FILED A 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET RECEIVE ANY RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I been sending out letters about incorrect information on my credit report. I haven't received a response back yet from them. All my documents are attached below.

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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Have an ONLY filed bankruptcy from 2013 on report sent in letter from Wisconsin Federal court as instructed and TransUnion still refuse to remove it from file after numerous attempts with NO validation or verification.

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 2018-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from Transunion, XXXX and XXXX and I noticed an unauthorized inquiry had been made. 
I contacted 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 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.

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 2020-07-29
Company: American Credit Acceptance, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries 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 2019-02-25
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:
I am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/2010, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.

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 2023-02-14
Company: Experian Information Solutions 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:
XXXX XXXX accessed my XXXX consumer report without my written authorization. I never gave this company to obtain access to my consumer report. This is a invasion of my privacy as a consumer and illegal to do without my authorization.

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: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion's website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual 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 explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. XXXX  has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. XXXX  's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. Equifax and XXXX  have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: World Acceptance Corporation
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : 08 XXXX XXXX  ) XXXX ... WORLD FINANC XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2020-10-24
Company: MicroBilt / PRBC (formerly CL Verify)
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:
I've sent in copies of proof of IDENTITY more than 12 times this year alone for me and my XXXX kids. I sent ID for me and daughter, our social security cards, both certificates, court order showing proof of guardianship shot records and school records. Alone with a notarized letter on what to remove and why with 7 Police Reports from. XXXX that I have had to file due to stolen wallets, etc. I never get a response in the mail. When I do they state I need to be verified when I already sent in enough proof ... more than what they've asked for. I got a copy of my XX/XX/XXXXdata that have gathered and 65 % has nothing to do with me. My information is being sold, traded, etc. I sent out mail with trackers recently and still haven't heard back from neither credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Nelnet, Inc.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I started paying back my student loans sometime last year and I was eligible for forgiveness on the loan but was not informed from the company my loan is through ( Nelnet ). A different company contacted me and told me I was eligible and told me that nelnet should have contacted me about the forgiveness. They told me I could file against them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an automatic charge go to my capital one account that I hadn't known about. I just started a new job so I went into a cap one cafe and asked how long to bring account current. They told 56 days or XXXX. Mind you, this is all over {$40.00}. I get paid from my new job tomorrow. They decided to close my account today - a day early. I called and they told me tough, can't help you, doesn't matter if info you got was wrong. Again, this is over {$40.00} which will be paid by the time you probably get back to me. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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 received a copy of my credit report and found the following item XXXX XXXX ) to be missing from my Equifax credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX closed account with positive history ) XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX closed account with positive history ) I have contacted XXXX  XXXX, and they have responded in writing that they do report to Equifax. However, my information is not correctly reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
Do to being part of the XXXX hack a few years ago I purchased credit monitoring through XXXX XXXX XXXX part of XXXX XXXX. During a recent refinance of vehicles Randolph Brooks Federal Credit Union ( RBFCU ), where I have been a member for over 20 years financing and paying off vehicles, homes, and other loans, obtained a credit report from XXXX. That report stated that my credit score was XXXX and resulted in the interest being raised a full percentage point over what was originally offered. I immediately went on the XXXX XXXX  website because I receive email alerts anytime there is a change to my credit score. I had not received an such email. The website stated that my credit score was XXXX and that had been the score on a chart for the last year. I then used a tool to update my credit score and it increased to XXXX. I also followed up with a phone call ( ridiculously hard to get through and the person I spoke to is XXXX, so was the supervisor I spoke to. I repeatedly asked to speak to someone in the United States and got denied. ) They did confirm that my credit score was XXXX but that there were different models use to determine scores and that I would need to talk to RBFCU about the model used. I contacted RBFCU, actually a person in XXXX XXXX working from home, they told me they were unable to answer that question, why my rate changed or what my credit score was.

Company response to consumer: Closed with explanation