BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: Experian Information Solutions 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:
On three different dates, I submitted disputes to Experian requesting an investigation pertaining to a Bankruptcy that is reporting inaccurately on my credit file. The first letter I submitted requested an investigation, the 2nd and 3rd letter requested documentation stating their means of verifying information ; the name, phone number, position, and address to the company or person who they used to verify the accuracy of this bankruptcy with. On all three occasions Experian sent back letters stating that unless I send them relevant information to support my claim, they will NOT reinvestigate the information again. I am not the one who needs to furnish proof, Experian has a legal obligation to complete a thorough investigation and supply the consumer with all information obtained during the investigation. Experian failed to do that. In their letters, they stated ; " we contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office ''. However, I verified with The bankruptcy clerk at XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, that they DO NOT directly supply bankruptcy or any personal information with any credit bureaus or agencies. 
They failed to disclose the source and according to the Fair Credit Reporting Act statues, the inaccuracy must be deleted.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: MS
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 have mailed numerous letters to XXXX trying to rectify the information on my report and have waited over the amount of time for a response. I received some news that has stopped efforts in doing business with me for this matter. According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
All payments paid as agreed and never late.

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 2018-12-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX XXXX I Went to purchase a Motorcycle. I received a denial from. I have never owned a car nor have I ever asked a bank tooled me a loan for a vehicle let alone get a repossession.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing XXXX XXXX  XXXX on my credit report for months now. Today I received a letter from XXXX  XXXX XXXX stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. XXXX  XXXX XXXX is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.

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 2017-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have called XXXX, Equifax and XXXX on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: SYNCHRONY FINANCIAL
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I did not authorize or consent to this account being opened. I have no knowledge of this account nor did I use it for myself. I did not approve any charges or apply to it being opened. I have asked to have it removed as fraud and for all derogatory comments and remarks to be removed. I have not had success trying to get this resolved or removed. It is ruining my credit. Please remove account and all related negative reporting from all credit reports.

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 2021-11-02
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2021, at XXXX EDT, Nelnet contacted me by robocaller attempting to collect a debt. 

On XX/XX/2021, at XXXX EDT, I contacted Nelnet via their web form to tell them that I do not wish to be contacted by phone about the debt I owe them. 

On XX/XX/2021, at XXXX XXXX, I received another robocall from Nelnet attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: EQUIFAX, INC.
State: DC
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 very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: States Recovery Systems, 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:
XXXX  has been non-compliant with removing the unverified account STATES RECOVERY SYSTEMS INC which has been deleted by XXXX and XXXX   XXXX and XXXX have both completed their research and determined that STATES RECOVERY SYSTEMS INC was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are 11 inquiries showing on my XXXX  and 20 on Transunion that I did not authorize. I am a victim of data breach, identity theft and have requested these inquiries be removed from XXXX/Transunion and have had no success.Both Reports show 8 XXXX accounts student loans that are discharged and very old accounts showing derogatory and 1 XXXX XXXX  XXXX XXXX, the credit company just keeps updating the date so it remains on my credit repirt. Account for XXXX XXXX account Balance {$4500.00} showing negative and as Authorized user when I never signed any documents or aware of this account. XXXX XXXX as well is Fraud. I have requested over the phone removal of these items and they are very aware of my Police report as well as the discharge of my student loans. The loans are incorrect information showing. Please have them removed from both reports immediately as this is not the first time I have to go through CFPB.

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have called Transunion, XXXX and XXXX on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since 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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2020-05-28
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  IS REPORTING FTC VIOLATIONS STATED : XXXX/SOURCE RECEIVABLES M {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # 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 2021-02-25
Company: AFNI INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Prior to XX/XX/XXXX I was with XX/XX/XXXX for home dsl service. I moved in XXXX and left owing no bill. By the time I got settled, able to take off work, and instructions on where to send the equipment back to covid happened and I couldn't go to the post office to send them back. On XX/XX/XXXX I received a hit on my credit from XXXX XXXX. Then on XX/XX/XXXX I received ANOTHER hit on my credit from XXXX XXXX XXXX  saying I owed XXXX for XXXX XXXX XXXX and they said it was equipment charges for failure to return. Both collection companies were claiming I owed for the same thing. I paid XXXX XXXX  XXXX  in full XXXX on XX/XX/XXXX. I have a letter from them confirming I paid in full. I forwarded that letter to XXXX XXXX a rep for XXXX XXXX on XX/XX/XXXX and she responded back saying she wasn't finding anything with the information. I then responded back with other identifiers and never heard another word until today XX/XX/XXXX when a company called AFNI reported the same XXXX that I was disputing with XXXX XXXX on my credit as a bad debt. When I called them they immediately opened a dispute and investigation. I then called XXXX XXXX back and spoke to a manager that said thatXX/XX/XXXX had closed the account with them as unpaid. They further told me that XXXX XXXX XXXX told them that I had two accounts that I owed for equipment which i only had one account.. Yet both AFNI and XXXX XXXX are reporting the same debt negative on me. I called XXXX XX/XX/XXXX today and they can't even find the information because they misspelled my name on my account, another issue I had with them correcting and I had service for a while. I have emails, letter copies, numbers and addresses for all of these companies involved. XX/XX/XXXX has correctly reported this as paid in full so they're not the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
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: Old information reappears or never goes away

Complaint:
XXXX XXXX has fraudently, illegally and intentionally reported erroneous information to Experian. I contracted a lease agreement with XXXX XXXX in XX/XX/XXXX for amount of XXXX. The account number is XXXX When I disputed an error reported to Experian Credit bureau , XXXX XXXX maliciously changed the contracted lease amount from XXXX To XXXX. Also XXXX XXXX keeps changing the Late date referencing a 30 day late so it can continue to reflect on my credit report. Ive included a correspondence showing what XXXX reported to EXPERIAN in XXXX and now XXXX XXXX XXXX is reporting a different contracted lease amount as well as a new XXXX date referencing when the payment was 30 days late. Im requesting XXXX to report the lease amount of XXXX, XXXX that I contracted to and report truthfully that this 30 day late is more then 7 years old and needs to be deleted off my EXPERIAN CREDIT REPORT. Dont let XXXX XXXX get away with changing loan terms 7 years later. Dont let XXXX XXXX get away with erroneous reporting well beyond legal statue limitations.

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 2017-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax Hacking issue : According to the Equifax website, my husband and I are both affected by the Equifax hack. We decided to do security freezes with all 3 agencies. I tried for 2 days to call Equifax, waiting on hold for over an hour multiple times and was unsucessful. I tried doing a security freeze online multiple times but kept receiving the message, " System Currently Unavailable -- Error 500 ''. I finally reached someone on the phone number listed on the Equifax cybersecurity website, XXXX. I spoke with a supervisor, XXXX, who told me they are only there to refer people back to the website. I told him the website does not work and he said there was nothing he could do. 

SO, Equifax took our confidential financial information without our permission, they were irresponsible with it and their system was hacked, they waited 6 weeks to tell consumers while the CEO sold his Equifax stock. Now nearly 8 weeks have gone by and many consumers, including us, are still unable to protect their confidential financial information. 
Oh, and we are being CHARGED to institute freezes on our credit. Even if Equifax reimburses us, XXXX and XXXX will still charge us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax keeps changing the dates of old debts, refuses to investigate correctly and update my file correctly, drops my credit score for no reason. The internet is full of similar complaints from other people.

I am not able to access my credit file online, which is very frustrating. I should not have to wait for a report to come in the mail!

Equifax is not being held accountable. My XXXX report is correct, not sure why Equifax has such huge issues.

See complaints : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.

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