BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My complaint : TransUnion crediting reporting agency refuses to allow me to access my free annual credit report online. 
Background : In XXXX I enlisted the assistance of the Office of the Missouri Attorney General to gain online access to my TransUnion annual credit report. On XXXX XXXX, XXXX, I was able to access the report online. In XXXX I skipped TransUnion. On XXXX XXXX, XXXX I attempted to access my free annual credit report from TransUnion online. As soon as I entered my identifying information, TransUnion 's system displayed a message refusing online access. Several weeks later, I received an unsolicited paper copy of the report, which is unacceptable : I want online access. 
Here is how the CFPB can help me:1. Please find out why TransUnion refuses to allow me online access to my free annual credit report ; and let me know the answer. 
2. Require TransUnion to allow me to have online access to my report each year. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has inserted a phone number, into the credit report they maintain on me, from those committing fraud and stealing my identity to take out a credit card in my name. They apparently attained the number from XXXX XXXX, the company issuing the fraudulent credit card in my name. I have been the victim of ID theft four times in the last XXXX years, with the last XXXX occurring when I had a freeze on my credit. However, the thieves have gotten credit cards from XXXX XXXX each time anyway, using my credit with Experian and XXXX as well. Now they have allowed the thieves to insert their telephone number in my credit file. Additionally, Experian has mysteriously lowered my credit score XXXX points, for no apparent reason when there has been no negative reports or activity. Please investigate to get Experian to stop being part of the fraudlent activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Experian can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.

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 2015-07-01
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They will not stop calling. They call on ave XXXX times daily. Since XXXX XXXX I have record over XXXX attempted calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receive more than 6 calls every day back to back starting at XXXX from multiple numbers

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 2016-11-10
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of Identity theft. I have followed all procedures with FTC I did not open no accounts with Conns. I have no knowledge of the account I would like for XXXX XXXX to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a Credit Freeze, I was not able to get any of the reports online. I try to contact all XXXX bureaus but non offer an online or telephone call to remove the CREDIT FREEZE, please help, they are killing me with denials due to unable to see my credit.

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 2016-10-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian lists cell phone numbers which are mine. the incorrect numbers are XXXX and 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 2016-05-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My Credit file Has not been updated to show this account removed

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 2016-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Under the Fair Credit Reporting Act I am entitled to dispute information that I find to not be accurate - especially information that is lowering my credit score and thus putting a financial burden on me. I am a victim of identity theft. I have previously discussed this identity theft with Expeiran, XXXX and XXXX. I disputed the information that resulted due to the identity theft with all XXXX credit reporting agencies and Experian is the only one of the XXXX that gave me any issues. Experian recently responded to my dispute regarding inquires telling me that they were a fact and that I would have to address each individual inquiry with the company that inquired. Several of the companies did not respond and I later was told by XXXX of the companies that it is Experian 's duty under the FCRA to dispute everything, including inquiries if I provide them with documentation of the identity theft which I have done NUMEROUS times. The inquiries are : Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX These inquiries are lowering my credit score which is causing me financial hardship. I want them investigated and removed. 

My credit report number 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 2017-03-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was away on duty and my account was on hold and XXXX still put it late after my mortgage was being paid on time. I could n't contact them until I got back. Since then I lost my military priveledges because of my credit and not paying bills. The credit bureau have wrongfully reported me late.

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 2015-04-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian Credit reporting. I filed 30 complaints on this stuff and here is shows up again. Serious Delinquency, past due and other negative information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

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 2015-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I paid off my collection not only for the original amount but they charged me additional amount to have it removed and it does not show paid or has it been deleted. I have called their company XXXX XXXX XXXX XXXX several times and they tell me they will report it again and it is never done. I need this off my credit report as I 'm working very hard to get me score back to good. As you can see I have no late payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed an dispute with Transunion on XXXX XXXX XXXX, and XXXX XXXX XXXX and advised TransUnion that the following hard unauthorized inquiries were not initiated by me and the creditors did not have an permissible reasons to place these unauthorized hard inquiries on my file. I requested that TransUnion provide my authentic signature for these unauthorized hard inquiries or delete these authorized hard inquiries deleted of my file. 
file. Transunion never responded to my disputes. 

XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX via XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX - XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am XXXX XXXX XXXX and have over 30 years of credit history however recently, data being sent from TransUnion to XXXX and XXXX is saying I do not have sufficient credit history which has caused a loan to be declined and another loan had to be entered into at a higher interest rate. 

I contacted TransUnion and they said I need to bring this to the attention of the financial institutions in question however I feel that TransUnion should take ownership of this because XXXX separate financial institutions are receiving the same incorrect data from TransUnion. 

I have attached a declination letter from XXXX and the XXXX site print screen as support.

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 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are 3 addresses listed, I only know of two. The XXXX address in XXXX, Mi I have no idea where that 's located.

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 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX inquiries on my credit report that I did not authorize. I have contacted Transunion requesting removal of these unauthorized inquiries and was told there was nothing that could be done and they suggested I call the companies which I did and was told by the companies to dispute it with Transunion. I feel this is unfair because I do n't have credit accounts with these companies nor did I authorize the inquiries and Transunion wo n't remove them. This has caused my credit score to go down. Below are the unauthorized inquiries XXXX XXXX XXXX Bank - Dated XXXX XXXX, XXXX XXXX - Dated XXXX XXXX, 2016

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 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have an address showing on XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I signed up for XXXX XXXX XXXX received modem via the mail- upon installation, the equipment was inoperable. Contacted XXXX, and they sent out a technician who could not fix the issue. Never had working service- became dissatisfied with the company and switch to XXXX . XXXX billed me for the month I had no internet service. Contacted a representative from the company who indicated that they would resolve the issue. Upon reviewing my credit report, discovered that not only was it, was not resolved, it posted as a derogatory account.

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 2015-06-18
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't stop charges to bank account

Complaint:
i missed XXXX payment and made arrenagements to pay in person as this company has payments coming from out my account, however they charged my account anyway and i received several overdraft fees and even when dealing with the bank they were not able to correct the issue and hug up on us. now they contantly harras me at work home via email and text message i have asked to not be called at work which i never gave the number and my company does not allow personal calls they do not respect my wishes and contact both me and my manager

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have repeated notified Experian that they are reporting and or maintaining inaccurate information on my credit report for the following company 's and refuse to correct the information. 
1. XXXX XXXX - opened date of XX/XX/XXXX - account # XXXX. This account is reporting negative information that is more than 7 years from the initial date of delinquency of XX/XX/XXXX ( per the payment history shown on the attached report ) this information should be deleted2. XXXX XXXX XXXX XXXX opened date of XXXX this account is reporting inaccurate negative information. The payment history as listed on the attached credit report shows that in XXXX, the account was suddenly 90 days late with no prior late payment for XX/XX/XXXX or even XX/XX/XXXX. so its impossible to be sudden 90 days late. The information needs to be updated to show never late or the account deleted in its entirety. 
3. XXXX XXXX XXXX XXXX XXXX opened date of XX/XX/XXXX. account # XXXX. This account is showing 3-30day late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have notified Experian multiple times that this is inaccurate and provided canceled checks showing the payments were all made on time but they still refuse to correct or delete the information as required by law ( please see attached cancel checks ). 
4. XXXX XXXX XXXX XXXX - opened date of XX/XX/XXXX account # XXXX. This account as shown on the report attached shows closed and paid as agreed, never late but Experian is listing this as a negative account that was part of a BK. This account was closed and paid off before the bankruptcy was ever filed.. so this account should show as a positive account with no negative information or deleted all together. 
5. XXXX / XXXX XXXX - opened date XX/XX/XXXX account # XXXX with an initial delinquency date before XX/XX/XXXX and 150 days late as of XX/XX/XXXX. This account is should be deleted as its initial late payment is more than 7 years ago. 
6. University XXXX XXXX collection account with initial delinquency report date of XX/XX/XXXX should be deleted as it is 7 years old. 

XXXX XXXX XXXX - opened XX/XX/XXXX this account is 7 years past the initial delinquency date. 

I have repeated tried to contact and work with Experian but they will not investigate nor update the inaccurate information listed above

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XX/XX/XXXX received my credit report from report number XXXX Experian company XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX phone number XXXX XXXX XXXX acct no XXXX address identification number XXXX what is wrong is they are saying we went bankrupt chapter XXXX on XXXX XXXX XXXX which it should say XXXX XXXX XXXX and then it says the loan was modified which the terms are susppose to stay the same it was transferred from XXXX status they are saying we are past due {$3200.00} as of XXXX XXXX this is wrong we have proof of all payments. We have one payment behind of {$1000.00} not our false XXXX gave us a modification in XXXX and they took it away because they said we filed bankruptcy and so we paid {$800.00} because they did not tell us because they claim they could not communicate with us. So we have been catching up by paying {$1200.00} and what ever extra money we can pay. For 5 years been trying to get caught up during our chapter XXXX bankruptcy so now we are dealing with XXXX since XXXX XXXX XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00} carried over from XXXX unapplied funds {$840.00} our regular mortgaged payment is {$1000.00} so we carry over {$100.00} x XXXX = {$400.00} Which brings the total in unapplied funds {$1200.00} enough for a payment that we are behind on plus XXXX paid one we were behind on to which leaves only one payment left there saying we are behind three payments of {$3200.00} this is not accurate and I talked to XXXX XXXX XXXX XXXX and XXXX and they said I am wrong and this is accurate I want something done please

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 2016-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
About two months ago I contacted Experian about Identity theft. 
This item was not removed from my credit report there was another Item that was removed because of Identity theft. My family and have been a victim of this on going problem It has been hard to get Credit the little I know about this Item is that it is a Medical COLLECTION.Please note we have Insurance and I am attaching it documents. 
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 explanation
Consumer complaint received 2016-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
You are now in direct violation of the FCRA. It clearly states this in your response prior that it will take within 30 days which was XX/XX/XXXX. It is now XX/XX/XXXX and still no response. 
We respectfully request that the item in question be removed from my account 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 explanation