BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 XXXX Balance : {$5000.00} ; XXXX XXXX XXXX Balance : {$370.00}.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There is incorrect personal information on 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 2023-09-15
Company: EQUIFAX, 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:
An account was originally opened with XXXX XXXXXXXX XXXX XXXX. This account first went delinquent in early XXXX. Payment history provided by Equifax shows the account as 90 days past due in XXXX XXXX XXXXXXXX. Despite this, Equifax lists the first delinquency date as XX/XX/XXXX, a clear contradiction to the payment history. The account was fully settled in XX/XX/XXXX. As of XXXX XXXX  this account is still reflected on my Equifax credit report, even though it has been more than 7 years since the original delinquency, thereby contravening the 7-year reporting rule as set forth by the Fair Credit Reporting Act ( FCRA ). 
XXXX : Account was opened with XXXX XXXX. 
Early XXXX : Account first became delinquent. 
XX/XX/XXXX : Payment history on Equifax shows the account was 90 days past due. 
XX/XX/XXXX : Equifax incorrectly lists this as the first delinquency date, which is inconsistent with the payment history. 
XX/XX/XXXX : The debt was fully paid off. 
XX/XX/XXXX : The account still appears on my Equifax credit report, in violation of the 7-year reporting limit under FCRA. 
A dispute was initiated with Equifax regarding the incorrect reporting and continued presence of this delinquent account. 
Equifax updated the account based on information from XXXX XXXX but did not correct the conflicting delinquency date nor did they remove the outdated account information from my report. 

I urge the CFPB to closely examine the inconsistent and potentially inaccurate reporting actions taken by Equifax and enforce appropriate measures to ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

UNIVERSITY XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently pulled my credit report and noticed a bunch of inquiries that are fraudulent, and a bunch of addresses that are not connected to me, or that have never been associated with me. This information is being reported inaccurately and is causing damages to me. 
According to FCRA. You are not allowed to report inaccurate information, or you could be held civilly liable. This information is damaging to me and interfering with my search for homes. If I end up homeless as a result of your inaccurate reporting I intend to hold you liable for the amount of my actual damages. You must block and remove this inaccurate information from my credit report immediately. 

I have attached a FTC report for these fraudulent inquiries, and a list of these fraudulent addresses.

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 2023-04-18
Company: WELLS FARGO & COMPANY
State: MA
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:
An undersized inquiry was placed on my credit report I used a Wells Fargo link that stated there be no impact to my credit rating to find out my interest rate for a potential loan

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 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has an debit on account of amount of XXXX and have taken a sum XXXX from accounts and sum of XXXX and XXXX out of two account before this not one of them customer service people can explain why these funds are being taken out of these accounts and further information this bank changed my debit card and sent the new to an old address which clearly change on the bank website

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 2022-12-13
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I financed a XXXX XXXX  through their finance company - TD retail card services. I was charged a monthly fee for insurance, which would continue after I had paid off the phone. I paid off the phone and the {$11.00} XXXX XXXX  charge, with the {$1.00} sales tax ( I think this is fraud also ) added for {$13.00} a month. According to XXXX, that would be for a maximum of 36 months. 
I got an email from XXXX stating the subscription order was cancelled due to reaching 36 months and all subsequent auto renewal orders were cancelled. So I did not pay the XXXX due in XXXX, for XXXX insurance on the phone. then I got calls- XXXX a day, to pay that XXXX. I logged in to my account XX/XX/2022 stating the above and to remove the late charges and the XXXX charge for XXXX and XX/XX/2022. Payment phone calls keep coming. They did not remove it. I contacted XXXX saturday, XX/XX/2022. the rep told me it was cancelled. I told him it was not, because I was getting about XXXX calls a day for payment. He said he would send it to the back office. I got no reference number - I was driving. 
I called again tonight, Monday XX/XX/2022, to see if it had been resolved. 
I was told XXXX ) it was cancelled for me by the rep again XXXX ) I had to pay the charges on the card with late fees etc are now probably closer to {$80.00} and XXXX ) no reference number for my issue. 
I told her the charges needed to be reversed and the late fees taken off, I was not going to pay those fraudulent charges. She said I had no choice, they would not reverse those charges. The XXXX number i had called- referred from chat online with XXXX  XXXX is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
First, this is a note for CFPB ; this company was not actually imitating a lawyer or anything like that, there just wasn't an option for anything else. 

On or about XXXX, XX/XX/2023, I received a phone call from a phone number, XXXX and the Called ID showed up as " XXXX XXXX. '' Now, I answered the phone because I was actually supposed to have a call from a doctor about that time. When I answered the phone, the person asked me to confirm that I was me, but didn't identify themselves. He then said he was going to transfer me over to a provider, and the transfer took all of a second, which seemed a little strange to me and more like they just handed off the phone. The other person then started talking, and at this time, I realized both of them had an XXXX accent, and it seemed a little weird. At this point, I asked who she was and she was with. At this point she identified herself and said she was with Midland Credit Management. This is when I hung up. 

The Fair Debt Collection Practice Act, specifically, 15 USC 1692e ( 10 ) and 15 USC 1692e ( 14 ), as well as the Arkansa Fair Debt Collection Practice Act, specifically, ACA XXXX ( 10 ) and ACA XXXX ( XXXX ), strictly prohibits debt collection agencies from using any type of deceptive practices to try and collect a debt. Because this call was extremely deceptive in nature, it is believed that Midland Credit Management violated the aforementioned articles of federal and state law. Each law affords a civil liability to the offender in the amount up to {$1000.00} per offense. It will be my intention, if this issue is not addressed by the company with 30 days, to file a claim in court for violations of federal and state law, as well as seek relief for each section violated. 30 days from the time of this filing will be XX/XX/2023. 

At this point and on this day, XX/XX/2023, I demand that Midland Credit Management cease any and all communication and collection efforts, to include but not limited to ; emails, phone calls, letters, post cards. Any communication, other than response through this filing, or an offer to settle this matter, will deemed as a further violation of the Federal Debt Collection Practice Act and Arkansas Fair Debt Collection Practice Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attempted to have the fraud alert removed from all 3 of my reports and have yet to see the removal. I have called and mailed several letters and I have been delayed funding due to this problem. I need this removed 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
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like Equifax to remove an invalid inquiry from XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX in regards to XXXX  XXXX XXXX in XXXX XXXX XXXX on evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: CT
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute a specific record in my credit file that does not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX XX/XX/2022.

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 2022-12-13
Company: Bread Financial Holdings, Inc.
State: NJ
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:
I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After XXXX  days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing XXXX days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has XXXX  days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attempted to have the fraud alert removed from all 3 of my reports and have yet to see the removal. I have called and mailed several letters and I have been delayed funding due to this problem. I need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
State: AL
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:
Upon looking at my credit report for XX/XX/XXXX, I discovered a late payment that caused me to get denied for credit. The late payment was for XX/XX/XXXX, according to 15 USC 1666b, it is a violation to report credit for any purpose. I am demanding that you correct the status of the error to good standing or I will have to go forward with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Tenaglia & Hunt, PA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, My name is XXXX XXXX. I am reaching out in regards to a my student loan inquiry, currently held at Tenaglia & Hunt. I have tried to contact the law firm multiple times in hopes to begin some sort of dialog with them and prevent this from going into court. My loans were tracked down from XXXX XXXX, to XXXX XXXX, to Tenaglia & Hunt. I am concerned with the status and well-being of myself and of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: GA
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:
these are not my accounts : XXXX acct # XXXX {$180.00} XXXX XXXX for XXXX acct # XXXX {$85.00} XXXX XXXX XXXX # XXXX {$170.00} and the following inquiries ii did not make : XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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

Complaint:
I'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 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 explanation