BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Exeter Finance Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
in XXXX XXXX XXXX - while in an active XXXX XXXX - my husband and I needed a newer car. 
The trustee allowed us to assume this new debt. The only lender the car dealer was able to find willing to finance us being in an active XXXX- was Exeter Finance- out of Tx. 

When I did not get my statement in XXXX for my first payment - I called them. They said because I was in an active XXXX XXXXXXXX they were not allowed to send me statements. My XXXX attorney issued a letter saying that I needed to have statements- and I realized receiving them was not attempt to collect a debt. 
However they refuse to send me any info regarding my loan. I was told by one person I spoke with in XXXX that once the XXXX XXXXXXXX was officially discharged they would allow me access to my account. When I called yesterday as I could not log on- they said because of the XXXX XXXXXXXX I would never be able to see the activity on my acct for the life of the loan. 
I am now looking to refinance- and have learned that this loan is not on mine or my husband 's credit report. I called them again- and they said because of the XXXX  XXXX their policy is not to report it to the bureaus. 
I feel this is all very suspicious. I have a loan - that I have no idea what I owe - if my payments are being processed - and the loan has not been reported to the credit bureaus. 
It seems that this is illegal. 
I need help - repaying this loan would help my credit score after the XXXX- and now it's hidden from view. How can I refinance when a new lender can not see it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: AL
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:
In XXXX XXXX following the security breach with Equifax I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have done a thorough look over my credit report and I do not recognize these inquiries as well as I do not have accounts with them : XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX 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 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX Bankthat Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX Bank and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX Bank account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On  XXXX / XXXX /   2017  I sent to TransUnion a certified letter attached below to dispute the accuracy and reporting of a bankruptcy they show on my credit report. They signed for this letter on  XXXX / XXXX / 2017  and responded with a return letter on  XXXX / XXXX / 2017  they hire a third party company " to check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. '' TransUnion has not disclosed this " third party '' company. They still continue to report on my credit report that the ILLINOIS  Federal Court  -  XXXX  is reporting the bankruptcy. This is not accurate, I have obtained a letter from the  Court Clerk whi ch is attached below. Also the address listed for the court is incorrect on the credit report as well. The court does not report bankruptcy 's to the bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX Bank XXXX has reported late payments unlawfully. They are in violation of Fair Credit Reporting Act. 

15 U.S.C. 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are transactions and experiences that are not to be reported.

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 2022-01-12
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: Their investigation did not fix an error on your report

Complaint:
Trans Union deleted all my accounts on the report. I am only showing one recent 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 2019-07-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I never heard of this company before. I am not the owner of the student loan from IOWA XXXX XXXX, I contacted Equifax and address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an e-Oscar. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/2019, I mailed a Method of Validation letter to Transunion, exercising my rights as under the FCRA. In my letter I demanded to know specifics of how this bureau arrived at the conclusion that the alleged accounts were verified and therefore listed on my report as accurate. As XXXX XXXX XXXX states, verified means Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. There has been no evidence that this has been followed in any matter. The credit bureau can SAY something has been verified but that does not mean any procedure was followed in ensuring that verification took place. 
It is my understanding that the credit bureaus routinely use a Consumer Dispute Verification Form in attesting to the accuracy of any alleged accounts. Anyone can SAY they obtained verification for one of these forms without checking into the accuracy of the alleged account. I asked who did they speak with at these companies that verified the information so in order to know whether they were qualified to even verify and also what documentation was used to verify. 
In accordance with my rights, I sent a letter to Transunion stating that they have not responded in a timely manner and therefore are to delete the following accounts : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX I am sending this message to the CFPB to monitor and ensure action is taken to satisfactorily resolve this matter.

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 2020-04-25
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to reach Collection Bureau of America to delete this debt of all my credit reports ( XXXX, XXXX, XXXX ) for the amount of {$610.00} Back in XXXX 0f 2020. Have not gotten a response or letter showing that my debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX / XXXX, has violated my rights. 
XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2019-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with 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 requested three times for Experian to verify through the physical verification of the original signed consumer contract and three times the response from Experian has been that the data furnisher has verified the accuracy of the disputed information. 
The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), does not say that data furnisher has to verify the accuracy of the disputed information. The law says, Experian is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on my credit report. 
As of today you have not provided me with a copy of the original signed consumer contract. The law is very clear if you can not provide me with a copy of the original signed consumer contract the information must be deleted from my credit report. 
This is my forth request that Experian provide me with the requested consumer contract or delete the information. 
I am demanding that Experian comply with The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and  delete the following accounts from my credit report : 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX Experian is in violation of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).

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 2017-10-18
Company: ATG Credit, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today, XXXX/XXXX/XXXX I was looking at my credit and noticed that ATG Credit filed a potential harmful credit report against me. I called the XXXX XXXX to dispute this issue immediately. I told them I do not know this company, I have never received any statement, request, no correspondence from them about this claim and it is not mine. I then called the company and they were very nasty to me on the phone. They had the wrong address, but they had the right name. After a short conversation they hung up on me. They have hurt my XXXX XXXX from XXXX to XXXX score. They never sent me XXXX correspondence related to this supposed debt. I would have never known about this issue if I did not check my credit online. I can not attach any documents nor give any other information because I have none.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed my account on XX/XX/XXXX citing my high revolving credit account balance and previous history with them after issuing me a credit card. I tried to contact Chase in order to resolve the dispute as I have continually paid my credit cards in full at the end of every statement. Chase would no reactive my cards despite numerous attempts at discussing the matter with them. The cards Chase closed have yearly fees associated with them that I paid at the beginning of the year. Chase reimbursed me {$95.00} for the annual fee for my XXXX credit card, but not my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX / XXXX, has violated my rights. 
XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, I sent several letters, each with a full attachment of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorized inquiries should be immediately removed : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, The purpose of the complaint is to report unauthorized activity on my credit report. A named Called " XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX performed an excessive amount of " Hard Inquiries '' on my Transunion Credit Report without my approval and without my knowledge. 

These inquires are causing financial distress by preventing me from acquiring deserved credit. I have contacted Transunion to have these items removed with no success. 

XXXX to XX/XX/2022 ; XXXX XXXX listed over XXXX XXXX Inquiries on my credit report. 
XXXX and XXXX : XXXX and XXXXXXXX XXXX XXXX : XXXX and 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