BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: NJ
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-22
Company: EQUIFAX, INC.
State: NJ
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: IN
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:
After Checking my Experian credit report online, I checked under my closed accounts to look at potentially negative items on my credit report. I have a closed account with XXXX and said account was included in my bankruptcy in XXXX. To help locate the XXXX account, the highest balance that I ever carried on that account was {$4500.00}. After reviewing the closed account on my Experian credit file, and looking at the payment history of said account, I realized that there was a " N '' notation or " negative '' listed under XX/XX/XXXX payment history. This account was closed years ago. In addition, Experian states that this account will remain on record until XX/XX/XXXX. However, XXXX will remove the account from my credit report in XX/XX/XXXX. The information that Experian and XXXX have on my credit report is not correct. I filed a dispute with Experian to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CITIBANK, N.A.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citicards CBNA. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$4300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with US code 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the Identified transactions are not information related to any transaction by me as a consumer. I have Submitted an identity theft report and put a fraud alert on my credit profile through XXXX. XX/XX/2022. Please see attached

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX of 2023, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2017-12-15
Company: EQUIFAX, INC.
State: IL
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:
Some is using my indenty, and I never applied for most account on my credit report, and went to business have them removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation.The following items are lsited below : 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 non-monetary relief
Consumer complaint received 2021-02-16
Company: Mr. Cooper Group 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:
Greenlight XXXX is reporting a debt on my credit report that is no longer owed. I paid this debt off months ago and they are still reporting a balance on my credit. This is erroneous as I already paid the debt and it should not be reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: MI
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:
So upon checking my credit and going over my credit reports I found out that their was a bankruputct reporting on my credit report. When I saw that this was on my credit report Itook action and ask the Credit Brueas to remove this off of my credit report. They respose to me was it was verfied. How can they just say that it was verfied when I never gave them permission to verfiy it. 

The Bankruptcy is Dated on my report as XX/XX/2018. 

I have asked them numerous of time to remove this.This harming me and my kids by me being the sole provider. I am unable to get the job that I need. 

Per 15 USC 1681k ( 2 ) and 15 USC 1681 ( c ) them reporting this information is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My spouse and I are XXXX and he is a veteran. We received a check for {$500.00} from our grandmother on Monday and I e-deposited it into our joint account and was able to withdraw almost half upon deposit and the other half the following day but the funds were not showing until early the following morning. I needed to pay a mechanic for work done on our only vehicle and purchase some medications and discovered that the entire account had been transferred out to an undisclosed account. I called Navy Federal Credit Union immediately and it took almost 20 minutes before I was told that Navy Federal Credit Union had taken all the funds to cover an old charged off credit card my spouse had with them and when he became ill with a rare XXXX  was unable to continue to pay them. The gave us no warning whatsoever of their intentions and it is especially hard given this time in the Pandemic we are struggling. Also the check was sent to me and I deposited it into a joint account. Are they legally able to take my money even though the old debt was not mine?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: SC
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:
In XX/XX/2017, I opened a secured credit card with XXXX  for the amount of {$200.00}. Shortly after the account was closed. I do not understand why XXXX continues to show a balance on my credit report for {$250.00}. I've disputed this account numerous times with all agencies. They are suppose to take the secured funds to pay off the balance, but as my credit report shows it looks like this hasn't been done and the amount showing is more than the secured amount.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-11-27
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account called " Loyalty Checking '' at XXXX XXXX on XX/XX/2022. I sent {$2500.00} from my other account at XXXX XXXX on XX/XX/2022. As of morning of XX/XX/2022, I had no issue accessing my new account at XXXX XXXX, and this {$2500.00} from XXXX was showing as pending at XXXX XXXX. However, on XX/XX/2022, this amount stopped showing at XXXX XXXX. I called customer service at XXXX XXXX and was told that this transfer from XXXX was rejected by XXXX XXXX, and will be returned to XXXX in 5-7 business days. This alone didn't make sense, but it only got worse when XXXX XXXX all of a sudden restricted my account the next day, on XX/XX/2022. Since then I haven't been able to even log onto my XXXX XXXX account. I called customer service again multiple times to ask what was going on, but XXXX XXXX only told me that their back office was looking into something, without telling me what exactly they are looking for or looking at, and they would get back to me via both mail and email in 5-7 days. As of XX/XX/XXXX, I still have not heard back from XXXX XXXX on ANYTHING and still can not access my account. Moreover- the worst part is that this {$2500.00} that I transferred from XXXX to XXXX XXXX on XX/XX/2022 is completely XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07
Company: Alliance One, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AllianceOne is a collection company that works with XXXX  Department of Revenue. At the end of XXXX, I received notification from XXXX  Dept of Revenue about tax that they claimed I owe on my XXXX taxes. They based this claim on my federal XXXX tax transcripts. After multiple phone calls and more than six months of trying to get an explanation about this discrepancy, it was pointed out to me by an IRS Taxpayer Advocate that it was the result of an error I made carrying numbers over from Schedule E to Schedule 1 and the 1040 in my XXXX tax forms. The IRS reformatted their tax forms in XXXX, and I accidentally carried over the total to the wrong line on the new 1040. I also missed the correct line on the new Schedule1 altogether. This created a discrepancy in my income, but didnt create any additional tax owed to the IRS XXXX so they never notified me or attempted to resolve it. The XXXX  Department of Revenue, however, desperately clinging to the possibility of collecting an extra {$500.00} from me, have sent me to collections. I have submitted to them my corrected and signed federal XXXX 1040X forms, along with a renewed IL XXXX tax formwhich stayed the same since the error was only on the federal forms. I also included a letter explaining where the discrepancy was and how it resulted from an error in carrying over income to the wrong line on the newly formatted tax forms. I also wrote a letter to AllianceOnewithin 30 days of them initially contacting meexplaining that this collection account was the result of a simple clerical error on my part. I explained that I had submitted all the corrected and signed forms to both the IRS and the XXXX  Department of Rev. I also explained that I was advised by the Taxpayer Advocate at the IRS to expect that it would take anywhere from 8 months to a year-and-a-half to have the transcripts updated. Since I submitted my original taxes in hardcopy paper form, I had to submit the correction in hardcopy form as well. As the Taxpayer advocate explained it, IRS had trucks upon trucks full off taxes waiting to be processed. AllianceOneas well as XXXX  Dept of Revenueare well aware of this delay and my inability to do anything about it. Yet I get harassing phone calls starting at XXXX from AllianceOne demanding payment. I have explained to them on multiple occasionsaside from the written letterthat this is an error and all the documents have been submitted to both the XXXX  Dept of Rev and the IRS. I am waiting for the documents to be updated by the IRS. I am certain they have documentation of this by this point. Their actions point to nothing more than harassment and intimidation in an attempt to collect debt that doesnt exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: AL
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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : 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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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/22, I alerted the consumer reporting agencies that I am a victim of identity theft. XXXX XXXX says that you must remove and block any information from the file of a consumer that the consumer says is a result of alleged identity theft within XXXX XXXX XXXX. It has been well beyond XXXX XXXX and the accounts remain. Also XXXX XXXX and XXXX have charged the fraud accounts off and sold them to collection companies. It is illegal for a company to report a charge off. The XXXX considers this income. This is tax fraud. This is also a violation of XXXX XXXX XXXX XXXX b by not reporting accurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX says that you can not furnish an account without my written consent. I have not given anyone written permission.

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 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was the agreement if paid it will be removed off my credit report still there that was the agreement

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In XX/XX/2017, I opened a secured credit card with XXXX  for the amount of {$200.00}. Shortly after the account was closed. I do not understand why XXXX continues to show a balance on my credit report for {$250.00}. I've disputed this account numerous times with all agencies. They are suppose to take the secured funds to pay off the balance, but as my credit report shows it looks like this hasn't been done and the amount showing is more than the secured amount.

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