BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per 15 usc 6801 And b ( 3 ) I wan na opt out of you sharing my personal non public information that has been harmful to me and has been beyond nonpublic personal information following 15 U.S. Code 6805 - Enforcement and 16 cfr 313 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.pursuant to Privacy act of 1974.

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 2022-10-18
Company: Experian Information Solutions 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.

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 2023-03-15
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A company that has an F with the XXXX  and hundreds of complaints for stealing peoples money charged me {$190.00} in XXXX for pillows. I never received the pillows. I disputed the claim with chase. This pillow company sent chase the bill tat I paid, but never sent Chase the tracking number and never claimed they shipped my order. Chase ruled in favor of this fraudulent company. Chase is a big bank with no soul that sided with crooks over their long time customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: 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.

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 2023-03-15
Company: Experian Information Solutions 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:
Last XX/XX/XXXX, I sent a complaint to remove the suspicious and erroneous items in my file. So acknowledge this complaint as a follow-up to my prior letter to ensure the deletion of these items : 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 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 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 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 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 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 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 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 2021-12-14
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: Credit inquiries on your report that you don't recognize

Complaint:
it has been over 30 days since I sent in my mail disputes to Equifax letter attached in the box below I have submitted a notarized Identity Theft affidavit to XXXX and they have not removed the inquires. They are in violation of the FCRA 609 ( a ) ( 1 ) ( A ) and countless other VIOLATIONS of the FCRA such as PERMISSIBLE PURPOSE. 

I am seeking financial damages as I was denied credit due to incorrect reporting on my account after I disputed Several times. 

I also called today 3 times and got disconnected. 

1st rep said they got my documents but it hasn't been processed. they will remove 2nd rep said the same thing. 
3 rep couldnt transfer me to the correct department even thought I have a receipt of faxed info and verification of that was said on a recorded line that I have submitted correct docs and has been processing. 

None of the unauthorized inquires have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Reporting company used your report improperly

Complaint:
My name is 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 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 2023-11-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I never lived at 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 2023-03-15
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:
Late payments are reported on my credit report, despite being part of the COVID payment relief period during 2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Investigation took more than 30 days

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened 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 2018-01-02
Company: ALLY FINANCIAL 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:
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

Ally Financial - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with Ally Financial is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX-XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion XXXX XXXX XXXX Secured loan XXXX Collection XXXX XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX Charge card XXXX XXXX XXXX XXXX Child XXXX XXXX XXXX XXXX  XXXX Collection XXXX XXXX XXXX  XXXX Secured card XXXX Charge card has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX  XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Secured Card XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Card XXXX XXXX  XXXX Debt Buyer XXXX XXXX XXXX XXXX XXXXXXXX Secured Loan XXXX XXXXXXXX Charge XXXX has violated my rights. 

XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Reported Balance {$1500.00} Collection Medical XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance {$1100.00} Collection XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} CHARGE_OFF XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX  XXXX / XXXX XXXX XXXX Reported Balance {$10000.00} XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Reported Balance {$5300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxx XXXX Reported Balance {$550.00} XXXX  XXXX XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$400.00} XXXX  Under 15 U.S.C 1681 section 602 A, I am granted the right to privacy. However, this right has been infringed upon by the inclusion of erroneous details on my credit reports. This violation not only raises questions about my privacy but also undermines the trust I place in the integrity of your reporting.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly states that a consumer reporting agency is prohibited from furnishing any account-related information without obtaining my written instructions. To the best of my knowledge, I have never provided such instructions for the inclusion of the accounts listed below on my credit reports.

The violation of my rights takes another form, as 15 U.S.C 1681c. ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including certain adverse items of information that antedate the report by more than seven years. Yet, I have noticed entries such as [ list a few examples of inaccurate and outdated information ], which contravene this protective provision.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) places a responsibility on those who furnish information to ensure its accuracy. It deeply concerns me that some of the information provided by the listed creditors and collectors is not only inaccurate but may also have violated this essential provision.

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 2023-03-15
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The car was broken down and I was told I need to wait months to get it fixed to use warranty I had paid for since the beginning of loan. I put XXXX cash down for car. I was told I was Eligible for refinance and or forbearance of loan while working through getting it fixed. I was in hospital and found out car was repossessed and sold at an auction in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX  XXXX card.

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 2017-09-12
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: Account information incorrect

Complaint:
My Experian Credit Report shows inquiries made by XXXX XXXX XXXX, XXXX XXXX, XXXX DE XXXX on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I did not authorize any of these inquiries. I have never had any account or relationship with XXXX. 
I inquired with XXXX at XXXX XXXX XXXX XXXX and was told no records of these inquiries exist.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting 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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-03-15
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX  XXXX Balance : {$1000.00}

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 2022-10-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During XXXX XXXX and prior to them working with us for a forebearance so we wouldnt get too behind, our lender carrington mortgage continued to show us late, which currently as we are selling and trying to purchase our new home is decreasing our credit score drastically. To be exact, XX/XX/XXXX to XX/XX/XXXX. Plus they were receiving payments during that time. 
As we have been advised this should have never been reported. Is there anything you can do to help our current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 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 non-monetary relief
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: PA
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 sent XXXX a Conditional Acceptance For Value letter on XX/XX/21 they received it priority express by XX/XX/21. per the notarized letter they were to respond via affidavit within 3 days plus 2 days grace, it has been 8 days, they have defaulted with no update or correction to my consumer report. As a consumer the alleged debt should have been removed entirely during the process of validation pursuant to 15 U.S. Code 1681i - ( a ) ( 1a ) Procedure in case of disputed accuracy. They did not validate the debt within given time frame nor update that it was in dispute. The investigation has concluded please delete this erroneous account from my 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