BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Once again, I 'm making another complaint against TransUnion for failure to remove inaccurate information from a credit report. Federal law requires that the credit bureaus report information on my credit file that is accurate and complete. I 've proven numerous times and have made numerous complaints against them for reporting information such as date that do n't exist, court names that are invalid, and reference numbers that do n't belong to the bankruptcy. 
You can find all this information in the documents attached. I also do n't understand how the credit bureaus can respond and say that these items are reporting accurately and meet the requirements of federal law when I 've proven, like I said, that this information is inaccurately and incompletely on there. Are you saying that a bankruptcy court name is not supposed to be listed as US Bankruptcy Court? You 're also saying that the city and state should be listed? You 're saying that " us bankruptcy court '' is the way that the court is supposed to be listed without listing the city and state?? 
I 'm appalled at the responses that I 've received not only from the credit bureaus but also from your government agency that is supposed to protect me against this abuse. It does n't matter where I pulled my credit report, this is the way that I 'm seeing these listed and the way that my creditors are seeing listed. You need to actually look at the documents that I 've attached and you will see exactly what I 'm talking about. Do n't just send this information to the credit bureaus without looking at it. I 've attached my letters, my previous complaints, and the proof directly from my credit reports that they are in violation of federal law. I require that these items are removed immediately and permanently from my credit report. I 've also made complaints with the Atty. Gen. of California, as well as the Better Business Bureau. 
I would like to see the actual, physical documentation that supports their reporting of these XXXX items. Congress states in XXXX versus Trans Union from XX/XX/1997, that the only legal form of verification is the physical documentation. In addition, there required to have this physical documentation prior to ever reporting it on my credit report. So why is it so difficult for them to send me these court documents when they supposedly already have them? Even if they do have them, they can not prove that they 're even reporting these items accurately. I have the proof and the proof is exactly what I need for these to be removed. I 've already retained an attorney, and my attorney gave me the advice to make one more complaint and send one more round the letters before I take legal action.

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 2016-08-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I found out that there were XXXX additional names being reported on my credit. ( XXXX mortgages,XXXX auto loans and $ XXXX in debt - NONE of which are mine ). I was unable to access online information, since the security questions did not pertain to me so I faxed a dispute ( XXXX different times ). I have not received any information regarding this issue and names and accounts are still on there. I really have no idea where to go from here! I am looking to purchase my first home, but with my credit in the state it is currently in, this is not an option. Someone please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CarMax, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My credit report shows inquiries on my report and I did not authorize this company to use my information. Multiple companies are now emailing and calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and DeptedXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine

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 2016-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX County Court for an account that I knew nothing about. Whilst investigating this information I approached XXXX County Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Trans Union make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: ALLY FINANCIAL INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My credit report shows inquiries on my report and I did not authorize this company to use my information. Multiple companies are now emailing and calling me.

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 2021-09-24
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a dispute letter via certified mail to the collection company ( Credit Control Corp ) on XX/XX/2021. Under the Fair Credit Reporting Act, the creditors have 30 days to respond to my request or remove from the credit bureaus. Credit Control Corp has not validated all inquired debts but reports the same accounts ( double reporting ) to all three credit bureaus XXXX, XXXX and XXXX for the months of XXXX, XXXX and XX/XX/2021. This has damage my credit score and worthiness, blocking the ability to apply for housing. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I enrolled to a program in Illinois called, XXXX. This school promised job placement upon completion with multiple certifications under your belt to promise you a good career path in IT. My brother and I attended what seemed to be XXXX of the last classes before this " school '' shut down and we were not placed in any jobs and lost all vouchers to take exams for certifications. I understand there are multiple lawsuits against this place and I would like to see if my brother and I are eligible to have these private loans forgiven. We have been paying these loans since 2008 and are not even halfway there. 

To the last question below. I do not have any hard copy contracts nor digital copies of when we enrolled. I do however have emails from the instructors and admissions office, if needed. 

All of this doesn't exist anymore and I'm sure our contracts have been deleted from the system. 

XXXX XXXX Admissions XXXX XXXX  XXXX XXXX XXXX XXXX XXXX of AXXXX XXXX  XXXX, ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I XXXX XXXX try to use my debit card at Bank of America in XXXX on XXXX XXXX XXXX XX/XX/2017. But did not work. I tried it again and it still did n't work. So I went inside to talk to the teller and asked her to check my card and she said your card was reported stolen and we haved mailed you another one. The teller asked me my address and she said the card was mailed to a different address that you are giving me. The teller said you do n't live at XXXX XXXX XXXX XXXX XXXX. No I live at XXXX XXXX XXXX and I never reported my card. My sister XXXX lives on XXXX. To find out she try to transfers my money on a new card and open me a savings account. so she did this without my approveal. She did it on the XXXX of XXXX and I do n't get paid til the XXXX So I got charged over drafts like XXXX dollars for not having funds in my account. And she changed my preference and changed my address to hers and had my statements to be mailed to her house so I never received my over drafts letters. or has she told me that she has my new Debi card. And they charged me for a new card. I never ordered. I have talked to someone at the bank but nothing was accomplished. So now I have to get a temporary card. Plus my bills went to over draft because my debit card I always used was reported. XXXX was using my girlfriends email address to get information. XXXX XXXX phone number is 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 monetary relief
Consumer complaint received 2017-03-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have received XXXX credit reports from Equifax during the last year. Each report has shown a different credit score give n to me and to the bank. One score given to me from Equifax on XX/XX/XXXX was XXXX. Equifax gave XXXX a score of XXXX on XX/XX/XXXX. A discrepancy of XXXX points negative. 
On XX/XX/XXXX Equifax gave me a score of XXXX and a much low er score to XXXX. This has happened many times over the y years. Is there a double standard at play with these credit agencies? I have been refused several loans over the years, could this have been the reason? How do I proceed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have inquiries on all credit bureaus from this company and I did not consent to the use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: NV
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:
the 4 accounts posted as derogatory should 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 2022-04-13
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: Public record information inaccurate

Complaint:
A dispute with a landlord due to pests in the apartment was reported by TransUnion as a judgment of eviction. However the dispute was a tenant dispute that required the landlord to resolve the vermin in the apartment and rent was withheld until the landlord resolved the issue. The motion went to court but no judgement was given to the landlord. Transunion is reporting it was a judgement for eviction but it was not and the case was dismissed once the landlord agreed to resolve the issue as order by the court. 

The judgement ( entered in on XX/XX/2016 ) by TransUnion at XXXX XXXX is beyond the statutes by law to report this information and should not even be on my report. I have attempted to have TransUnion remove the judgement more than 3x but they have not complied.

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 2016-02-15
Company: CORELOGIC INC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While reviewing my XXXX and XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by CREDCO on XXXX/XXXX/2016. I did not authorize any employee of CREDCO to review my records for any purpose at any time. This is as a direct result of ID THEFT. I personally contacted CREDCO to delete this adverse information and requested for any verifiable signed documents by me, to date CREDCO has failed to provide me any signed documents within 5 business days nor did they delete this information from my report.. As a direct result, I have continued to suffer discrimination and irreparable economic loss of denial of meaningful employment. housing discrimination and denial of credits due laegely to gross negligence of the CREDCO employees acts and omission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I Contacted Equifax In XXXX 2016 about Getting a replacement PIn Number For A credit Security Freeze they sent me a letter about XXXX forms of ID Well I sent in the Documentation they Reguested ( 3 ) times and I still have no pin. there only response was dated XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Previously deleted inquiries have reappeared on my credit report without any prior written notice that they would be added, this is a violation of FRCA 611, I want all inquiries deleted 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 2016-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My card was closed due to fraud, but card co. did not inform me of a XXXX balance left on account before issuing new card. Balance has been paid.

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 2021-09-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
So I was told by the Experian, XXXX, XXXX, and XXXX that they have verified a public record on my credit report. Experian, XXXX, and XXXX all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as PACER. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and discharged on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.

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 2022-08-30
Company: CarMax, Inc.
State: MD
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:
I am not sure if this account is in active status, or a charge off from 4 years ago. However, Carmax is still reporting as late and in active status. Non of this is true and all bureaus are reporting false information. The bureaus keep verifying false information as truth and reporting it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Reporting company used your report improperly

Complaint:
Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and DeptedXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine

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 2017-05-23
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:
all   XXXX   bureaus fail to remove  XXXX   XXXX  from 3 years ago!   no replies no response numerous request to investigate with no action taken

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 2017-01-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I checked my credit files on XX/XX/2017 to find that US Dept ED- Direct student loan has sold this loan but this information is being reported on my credit reports by both servicers please. The US Dept ED information is inaccurrate. I 'm asking them to delete their account from my credit files XXXX, equifax and XXXX because they are no longer handling this account and it is being reported twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: HI
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:
Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting XXXX, XXXX  and Equifax to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.

Company response to consumer: Closed with explanation