BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: KS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : -

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 2023-08-29
Company: Grain Technology, Inc.
State: CO
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:
In XX/XX/2022, I was XXXX  for an emergency XXXX XXXX XXXX, and was without pay for 1 month. During this time, my auto loan was late. Causing me to incur a late payment on my credit report. I am now in the process to purchase a home and was informed that I will not be approved because the late payment with XXXX is negatively impacting my credit score. Due to the XXXX in XX/XX/2022, I am requesting that the late payment be waived and update to paid on time so I can be approved for my new home as my lease is up in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My wife and I took out an installment loan from Tower Loan on or around XX/XX/2023. At the time of the loan closing, we were not informed of the available methods of making payments, nor were we given the monthly due dates. About a month later, we started receiving numerous phone calls from Tower Loan asking for their first payment. When we told them that we had never received a statement, the response given to us was that they don't send them out. Instead, they just call their borrowers over and over until they make their payments. Tower Loan does not have an online portal that accepts payments, and can only receive payments at their office. We then set up an automatic monthly payment within our own bank that would mail a check to Tower Loan 's location near us on a monthly basis. About a month after this, we started receiving numerous phone calls from Tower Loan, claiming that we had not paid them. I checked my banking records and confirmed that the payment had indeed been sent out. They claimed they never received it and that I needed to stop the check on my end. I did so, and now Tower Loan is claiming that they attempted to deposit the check ( the one that they earlier had said never arrived ) and are trying to charge us a stop payment fee in addition to late fees. XXXX I pointed out that the stop payment was at their request and provided proof that we had sent in the payment, Tower Loan said that they would consider removing the fees. At the present, however, they have not responded. 
The fact that they do not send statements, leaving us without knowledge of the remaining balance, interest that has been charged, and any fees assessed seems to be in violation of 1026.5 ( b ) ( 2 ) and 1026.7 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: ENCORE CAPITAL GROUP 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:
XXXX XXXX Yesterday XX/XX/XXXX I call at XXXXXXXX XXXX and I explaine that i receive in my credit report a account in collection from XXXX XXXX The agent took all my personal information and he verified that I don't have an account with them. And he sugested for me to go personally to XXXX office which I did. 
Today XX/XX/XXXX Personally visit at XXXX the oficce located at XXXX XXXX XXXX with my ID and They verified all my information and agree that i dont have any account with them but still in my credit report and in collection. I desided to call XXXX XXXX and they had advise me to contact you. I will apreciatte is you take any action in this matter this account. 

XXXX XXXXXXXX Also yesterday XX/XX/XXXX I call at XXXXXXXX XXXX  the collection office that is in charge of this account and after having me an hour interviewing me I also explain that I had disputed three time this account she told me that I need to paid the whole amount and this account is not mine this is call FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am attaching the detailed letter regarding the XXXX XXXX account number ending XXXX, in which on multiple occasions I spoke with this company to explain the reason for my late payment that had been due to a fraud issue and they told me to please send them a letter in writing explaining everything. 

This letter was received and I was notified that the account was going to be corrected then they sent me a letter explaining that they could not change this situation since they had to accurately report the report, where I express that due to fraud they should give me the necessary help since it negatively affects my credit report and my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: National Credit Systems,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:
National credit systems have been notified by the company and myself and refuse to take their illegal reporting off of my credit. National credit systems reps are rude and will use profanity against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CCS Financial Services, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I have had several phone calls with XXXX  over this debt. For the longest time they could not even find the debt using any of my information. This debt is not mine and is harming my credit. The debt amount is {$470.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting an account that does not belong to me. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) is reporting a debt of {$640.00} to TransUnion and XXXX. I have advised TranUnion and XXXX this is not my account or debt. The opening date that both TransUnion and XXXX is reporting is XXXX. I was a monor at the time I was only XXXX old. I advised them that my identity was compromised. And I sent proof of my age at the time this account was opened. THIS IS NOT MY ACCOUNT. PLEASE HELP. 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 2023-06-13
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-29
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
i am a victim of identity theft someone used information to take a car does not related to any transaction that I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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 fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge of, collections, Repossession and Public Record. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Bankruptcy Reference # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all invalid data this is hurting my file. this has been an ongoing issue that needs to be resolved asap. ive addressed these errors multiple times an no updates or progress of deletions have shown. these items listed are illegal an fraudulent posted on my credit report. please review an remove the listed items asap.

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 2023-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my 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 non-monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, SSN XXXX, DOB XX/XX/1966, TO WHOM IT MAY CONCERN : I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE, INMFORMATION, OR WHICH CANOT BE VERIFIED. ALL COMPANYS ARE BELOW : IT IS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681I, EVERY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN, NON-COMPLAINT, INCOMPLETE, UNTURE, INCORRECT, AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BER COMPLETELY DELETED. THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATINS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, NOT MINE, NOT MY RESOPONISIBILITY, OR OTHERWISE PRO COMPLAINT TO REGULATORY FEFERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY THE INFRACTIONS ARE AS FOLLOW BELOW. I AM DEMANDING THAT THIS ACCOUNT BE UPDATED TO PAID AS AGREED AND NEVER LATE.BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX XXXX XXXX CPOMPLIANCE REGULATIONS, I DEMAND THAT THES ABOVE MENTION DEROGATORY ITMES BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 
SINCERELY 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 2023-04-15
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've made numerous attempts to dispute the fraudulent information from my credit report through online filing, mail, and calls without getting anywhere. Online disputes are being closed the same day with no proof the information is accurate or that I've provided written authorization that allowed these companies to access my credit report. 

The burden of proof lies with you as the credit reporting agency. Since I'm advising this information was NOT authorized by me, the consumer, I would appreciate this information removed from my credit report. 

Where I've been able to find out the company, I've attempted to make contact with them and advise them they've fraudulently reported information on my credit report. I've yet to been able to get anywhere with any of these companies. 

I've also filed a formal FTC complaint on this matter to further secure my information from potential identity theft. As well as purchased subscriptions to place 'locks ' and 'freezes ' on my credit report with your company. 

A full listing of each of these fraudulent accounts is below : XXXX Account XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX A full listing of each of these fraudulent inquiries is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account below has engaged in inaccurate and fraudulent reporting on my credit report. This company has reported a false late payment on XX/XX/XXXX with XXXX agency, and another on XX/XX/XXXX. I've attempted to work with them and argued the fact the payment was not late to no avail. They've now reported on my credit report the account was closed on XX/XX/XXXX and reported a late payment on XX/XX/XXXX. Since I've been unable to get anywhere with them, I wish my credit report to be corrected with the accurate information of the account closure on XX/XX/XXXX and the false late payment in XXXX remove immediately. 

XXXX Account number XXXX I greatly appreciate your assistance in updating my credit report and ensuring it's accuracy. If you believe any of the information is accurate, I demand proof of this so I can begin any necessary legal action with counsel to get this rectified. 

Thank you! 

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

Complaint:
I'm so disappointed! Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 2023-08-30
Company: General Motors Financial Company, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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:
I was informed from XXXX that I have been in a data breach and I have disputed items that keep popping back on my credit report my password and email have been found on the dark web. The breach was with XXXX XXXX  and Equifax.com my credit report needs to have the items that are reported identity theft to ever show on my credit report again I have 2 police reports

Company response to consumer: Closed with explanation