BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is a continuation from earlier, This retaliatory ( eviction ) Unlawful detainer, to evade laws and accountability, has some incompetent jurisprudence/bias, and these stupid blunders from county clerks, hurried up and reported subreption, idiots!!!! LIKE I said earlier with transunion 's blunder, ALL ___XXXX credit reporting agencies____ need to be accountable. There arbitrary denial to allow me to view online, unless I pay. OTHERWISE I have to wait until XXXX, 2015 to legally get a report free of charge. This XXXX slumlord was reported to XXXX code inspectors for countless state law violations, of trying to defraud me with unrentable worthless property. This XXXX retired XXXX decided to abuse his authority and my due process rights and rewarded criminal negligence, fraud, and tortious breach of implied warranty of habitability, NOW I appealed this to the California XXXX XXXX XXXX, this careless idiot, circumvented irrefutable proof. Hardly a rock solid case against myself and my wife ( OBVIOUSLY THE INJURED PARTY ) bias/incompetence and judicial misconduct does n't allow this sloppy, inaccurate, harmful errors!! LOT of controversy here. PLUS, I have rented 35 years, NEVER been evicted. emphasis added. I do n't start now, because I moved to an homeless dreg, no income town, full of complacent slumlords, and sloppy code compliance, this defunct city of XXXX, ca is also grossly negligent, breach of there statutory duties. INTERTWINED ISSUES, DISGRACEFUL XXXX OF JUSTICE. Incompetent reporting of deceit to harm me and my wife is a TORT violation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2015-09-08
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX, XXXX Iowa Sheriff The XXXX Clerk of Court of Iowa, XXXX Assessor of Iowa, XXXX XXXX Law Firm, XXXX and Wells Fargo unlawfully foreclosed and let someone purchase my home. Also VA employees, Wells Fargo employees who were involved in deceptive practices. I used XXXX to complain through the VA and the XXXX XXXX XXXX loan center got my VA loan entitlement back after the documentation and phone calls I have provided. XXXX owes me XXXX for doing this. Wells Fargo owes me XXXX for what was owed on the house. Clerk of court of Iowa owes me XXXX. XXXX Sheriff owes me over XXXX for the merchandise they threw away when they forced me to move due to a writ of removal that should n't have happened. Would like the XXXX Sheriff to pay my moving truck costs and storage unit costs of about {$1000.00} dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2022-05-27
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Unable to dispute on Transunion without paying a fee for additional services. I was able to dispute on XXXX and XXXX with no issues. I have a charge off for credit cards and I did not apply for those accounts. They belong to an ex and are part of her bankruptcy claim ... Thank you in advance for you assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove itto the others bureussending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Requested a refund for student loan payments made during the forbearance period. Still waiting for refund with no communication from EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: IN
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.

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 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX has reported false information on my Transunion report regarding rental/leasing XXXX XXXX XXXX. I have never leased from XXXX, thank you 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 2017-11-27
Company: Accounts Research, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for supposed debt : Accounts Research , Inc. XXXX , TN XXXX RCVD call from XXXX XXXX , stated he was trying to conduct research and has returned mail for me. He wanted to confirm my address was the same as what was on the returned mail, I told him to just resend it to me as addressed. I asked him again who he was, since I have a large relation to XXXX 's, and he said he just had gotten some of my mail by mistake and wanted to make sure I got it since it was from my bank. No big deal. However, I felt weird after the call and did some research and found he is a collector for a company who changes it name often due to not following collection practices. They used to operate under XXXX XXXX XXXX. 

So, the big issue is that this account with XXXX XXXX had fraudulent activity and was closed. A lady from the fraud dept with XXXX XXXX called me, I believe in XX/XX/XXXX or XX/XX/XXXX,  and informed me the account had been locked due to activity. After reviewing the charges, they were determined fraudulent. The disputes were processed, and once processed, the account was to be closed with any remaining proceeds mailed to the addesss on file. I have not had any further correspondence from XXXX, so due to my own assumptions, I thought this matter was resolved. I have called and left a message for XXXX, in collections, with XXXX XXXX. I have since tried to communicate with the debt collector and that went nowhere. 

I will not resolve this debt with anyone other than the bank directly. XXXX XXXX lied, multiple times, when I asked who he was/with. Every time he represented himself as a provate citizen just trying to do the right thing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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

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 2015-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have recently checked my transunion credit report and found a collection account listed on my credit report from some company called XXXX XXXX and the supposed creditor is XXXX XXXX. If you google XXXX XXXX this company is a FRAUD. I have had no dealings with such company. I have tried to odispute this with transunion however, they will not allow me to do so online and when I call I first get transferred to some person in XXXX XXXX. When I ask to speak to someone in the US I am left on hold because they claim " they are experiencing higher than normal call volume ''. 

If Transunion is going to allow some company to post a fraudelent account on my credit report they should at least have the decency to give me the opportunity to dispute this incorrect information with someone on the phone or online. They " claim '' that they actually do an investigation but this is a bogus claim. Now I am told by them that I have to file a police report to have this information removed? How about transunion do the right thing and report correct information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
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: Old information reappears or never goes away

Complaint:
TransUnion is not allowing me to lift the security freeze on my credit report. I have tried having the security freeze lifted by using TransUnion 's website and by mailing in a written request but have not received a 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 explanation
Consumer complaint received 2017-01-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
EXEMPT PROPERTY ( AUTOMOBILE ) WAS INADVERTANTLY INCLUDED IN DISCHARGE OF CHAPTER XXXX BANKRUPTCY ON XXXX XXXX 2015. THE AUTO LOAN WAS PAID CURRENT UP UNTIL THE DATE OF FILING THE BANKRUPTCY FOR REASONS UNRELATED TO THE AUTO LOAN. UPON DISCOVERING THE AUTO LOAN WAS DISCHARGED IN ERROR, I CONTACTED ALLY FOR RESOLUTION AND WAS KINDLY REQUESTED TO SURRENDER THE VEHICLE AS PART OF THE BANKRUPTCY REQUIREMENTS. I SURRENDERED THE VEHICLE AS REQUESTED. RECENTLY I HAVE DISCOVERED A CONTINUED INACCURACY OF INFORMATION ON ALL THREE OF THE MAJOR CREDIT REPORTING AGENCIES FROM ALLY FINANCIAL WITH REGARD TO THE STATUS OF MY AUTO LOAN THAT WAS DISCHARGED WITH A VOLUNTARY SURRENDER OF THE COLLATERAL IN THE CASE THAT WAS CLOSED ON XXXX XXXX, 2015. THESE REPORTING ERRORS FROM ALLY FINANCIAL HAVE CAUSED SIGNIFICANT DAMAGE TO MY FINANCES, CREDIT AND ABILITY TO HAVE A FRESH START AFTER THE CHAPTER XXXX DISCHARGE RESULTING IN FURTHER DAMAGE TO MY LIFE ( I CURRENTLY AM WITHOUT A VEHICLE DUE TO INCORRECT REPORTING OF MY CREDIT STATUS WITH THE DISCHARGED AUTO LOAN -- BANKS WILL NOT FINANCE ONE VEHICLE FOR MY FAMILY BECAUSE THIS REPORT TECHNIQUE IS VIEWED AS A REPOSSESSION AFTER BANKRUPTCY DISCHARGE ).

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 2022-09-16
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corected immediately. 
XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX XXXX  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 explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: MI
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:
I provided information to XXXX and Experian from the XXXX XXXX  court of Michigan. Which read as follows we do not report any information to credit bureaus. I sent all proofs they refuse to remove. No 3rd party reports allowed on 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 2016-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is reporting an invalid judgment on my credit report. They are reporting that I owe a balance of {$1700.00} on a judgment for a debt for XXXX XXXX ( XXXX XXXX XXXX XXXX is the acting attorney ). I disputed this judgment, and it came back verified ; however, I am submitting documentation showing that this debt is invalid.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document 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 explanation
Consumer complaint received 2022-09-16
Company: JPMORGAN CHASE & CO.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase bank pulled money from an unauthorized account which cause my XXXX bank to charge a penalty and a week long hold on paymnt for XXXX That would stop my available credit from resetting for a week after momey has been pull from my bank. I setup to pull from a saving account ending in XXXX. When the funds get pulled for the payment it has pulled from my checking account ending in XXXX. Which is account I have never setup or authorized with chase. Every with chase still show a saving account ending in XXXX, so do the active logs in the app. And my bank log show the money was pulled from checking from XXXX. I have called many times and ask to have the payments to not be held, and the available credit to reset like normal. With no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone opened a credit card account with XXXX XXXX under my name and social but with wrong address, phone number and wrong date of birth. They used it according to XXXX to transfer credit card debt from another Credit card company. Should be easy to investigate and determine clearly as fraud. This has not been taken off my credit report and is affecting my credit score and my ability to obtain financing.

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