BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
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: Account status incorrect

Complaint:
I leased a car from XXXX XXXX in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, 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 explanation
Consumer complaint received 2023-11-19
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: Account information incorrect

Complaint:
I am writing to formally file a complaint against XXXX located in XXXX, GA ; XXXX located in XXXX, TX and TRANSUNION located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, XXXX AND TRANSUNION has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, XXXX AND TRANSUNION has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Wells Fargo is not answering the questions I am asking. 
Why would they be a contributor to this bad business practice. Since Wells Fargo is in partnership ship with XXXX XXXX XXXX andXX/XX/XXXX That is on ( attachment XXXX ) from the so-called loan application. under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion?

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been disputing TRANSUNION, XXXX, AND XXXX about these inaccurate and incomplete items they are reporting on my credit report and have not deleted nor sent me documents verifying the validity of the alleged debt. I have usps certified mail tracking numbers for all letters with no response. please see the attachment below

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 2023-02-16
Company: Experian Information Solutions Inc.
State: NY
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 been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

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 2023-12-15
Company: Avant Holding Company, Inc.
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I settled a personal loan with Avant and they agreed to updated my credit report from deragatory to settled. They did not do this and its having a negative affect on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been going back and forth with this bank that I had since 2018 I deposited everything into this account since I got it and I filed a dispute and I was suppose to get provisional credit I never got it I spoke with specialist manages I have a XXXX Tickets in process with this bank and Im not getting anywhere they are just feeding me lies no action Im tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: SCA Collections, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt and the company has not proved otherwise or provided any information to 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 2023-02-16
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: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There is a new account on credit report that does not belong to me. 
My credit report is frozen so they should not have been able to open a trade line.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. XXXX has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years

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 2023-11-21
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection account from FROST ARNETT with a balance of {$2700.00}. The original creditor is XXXX XXXX 
I have not given permission to access my credit profile, and you have no permissible purpose to furnish my personal information to any third party. 
15USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORT 1. In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account frost arnett

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
These inquiries are unauthorized and they are not related to any transactions by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My information with Equifax has been breached in my downloaded document is the proof. They have refused to delete the Following : Under Personal Info : Also known as : XXXX XXXX XXXX ( Please remove ) Under Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( Please remove ) Under Accounts Ever Late 1 ( Please remove ) XXXX XXXX Account number : XXXX Please remove these immediately as I was a victim a data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a mortgage being reported from 2005 on my credit from multiple lending companies. XXXX is from XXXX XXXX XXXX, and the other is XXXX XXXX XXXX XXXX. I have never bought a home and need all mortgage related loans removed from my credit. The amount on these loans is {$160000.00}. It shows the loans were transfered but it is not mine. I would have been XXXX XXXX XXXX in 2005 and it's impossible the information is 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 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  & trans union shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of  XXXX  who 's payments are current.
Why em i being denied as if I have some collection issues

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed a hard inquiry that was place on my trans Union from XXXX  XXXX XXXX from Texas. Someone stole my IDENTITY to use my name to open an account to this bank. I file a complaint to FTC about this madness they had give me a referral number. It is attached to this complaint as well.

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 2023-11-21
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it May Concern, I received a notification on my XXXX report # XXXX that Spring Oaks Capital LLC # XXXX hit my report with a debt that was discharged and disputed in XXXX and I learned that Spring Oaks Capital LLC is a debt buyer who bought the debt and have added it to my credit report without any communication from you. I called roughly on XX/XX/XXXX the moment I saw the notification and you asked to verify my phone number and email address and it was at that time I learned who and what XXXX was aka XXXX, I NEVER got any phone calls nor emails as I look at in and all emails received. The agent at Spring Oak LLC gave me details and I have " NO " knowledge and I mentioned to her that I remember seeing the account name in my ID theft. 

This debt was discharged due to ID theft XXXX Affidavit and XXXX Police report that was filed the moment it occurred with other items. 
All of my information somehow was used to open several accounts that caused major havoc to my file. What disappoints me most is that this could have been settled before you posted an account that was disputed and deleted many years ago because of me being a victim of identity theft and no one contacted me. I also noticed on my XXXX file that this account was placed for collections in XXXX and it is now XXXX and this is the first time that I have even heard of anything about this collection. 

I have attached the ID theft case and affidavit The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report that involved ID theft. 

Also per the CFPB policy before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : 1. ) Speak with you in person about the debt, I never spoke with anyone 2. ) Speak with you by telephone about the debt, never called me 3. ) Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or 4. ) Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. Especially since the debt started collection started in XXXX and it is now XXXX. 

All of the above NEVER happened I am also disappointed in how XXXX allowed this to happen for they have received all of the proper documents years back and along with my ID theft it was disputed and removed because the ID Theft. XXXX has failed and should not have allowed this to happen and did not follow FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE! 

I have disputed these fraudulent inquiries multiple times with Transunion and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be 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 non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Proof of these debts need to be provided I never signed anything or contracts with these companies The information being reported is not consistent 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 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. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My primary concern is the account mentioned below, which is incorrectly listed as a late payment account. I urge you to provide concrete evidence of this account being late, and if such evidence is not available, kindly remove the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute, as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX  XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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