BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft or fraudulent activity. These inaccuracies are affecting my creditworthiness and my ability to obtain credit and financial services. I kindly request that you investigate and remove these fraudulent items as soon as possible. 

I have attached supporting documentation, including a copy of the police report I filed regarding the identity theft and any relevant correspondence with the creditors involved. These documents provide evidence that I did not open or authorize these fraudulent accounts or inquiries. 

I am well aware of my rights under the Fair Credit Reporting Act and request that you conduct a thorough investigation into these fraudulent items. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible. 

In compliance with the law, I also request a written explanation of the steps you have taken during your investigation and any updates or changes made to my credit report as a result. I am asking for your assistance to remove these fraud items in my credit file : 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 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 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 explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There is an option under the business segment of the website to file a dispute via you can email your disputed items to XXXX. Once I did so, I only received an offer to buy a business product as a response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NV
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:
I have attached an FTC report with a fraudulent auto account and fraudulent unauthorized inquiries. This is my 4th attempt to resolve these credit 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The above Case # XXXX number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. 
According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated, I contacted the agency and no response, this has affected my way of living, been placed on my credit profile and according to the FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ). 13. 15 U.S.C

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: NY
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:
I'm an authorized signer on two XXXX XXXX credit cards. Both myself and the primary card holder have requested XXXX XXXX remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. XXXX XXXX has refused to assist, even though we were told by XXXX XXXX 's security team this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I requested a 1-month extension for the payment due date of XX/XX/23 through the TD auto finance website. I was approved and paid just the finance charges due for XXXX. I then received an extension agreement form by mail which I signed and faxed to the number listed on the back of the form. I never once received any notification I was over 30-days past due for my auto loan until I attempted to make my XXXX payment. I called and made a {$260.00} payment for XXXX and the collection rep was unable to reach the extension dept to ask what happen to my extension due to they were unavailable, however, the collection rep confirmed it shows I was approved for the extension but the form I sent was not showing as received. Ive called several times during business hours and the collections dept has been unable to reach the extension dept. One of these reps sent an email to the extension team and and promised a call back by phone. I instead received an email from the extension team requesting I resend the form. I do not have a printer so I esigned the form and emailed it to the email provided. I then received an email that Td auto finance does not accept esignatures, this was not explained in the form instructions. This has been difficult trying to resolve as I cant speak to an actually person in the extension dept. I have confirmation the fax was received at the correct fax number and dont feel I should be penalized and marked 30 days late on my credit when I followed the original instructions provided, the company just lost the form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX To Whom It May Concern : I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate. 

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/XXXX Please remove any other dates or years you have listed. 

Please REMOVE ALL EMPLOYERS that you have listed as they are inaccurate. 

Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Date of Birth : XX/XX/XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX Enclosed : Photo ID, Proof of XXXX, Proof of Address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
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:
MY SITUATION IS IDENTITY THEFT I HAVE FORMS INCLUDED IN THE ATTACHMENT. 
SEE ATTACHED.

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 2023-01-26
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I got a statement in the mail saying that I owed over {$3900.00} due to several purchases made on a new Best Buy credit card. Someone fraudulently opened this account in my name after a security breach, so I filed with the credit reporting agencies, XXXX XXXX, and Best Buy. The statement lists the purchases as having been made on XX/XX/XXXX for {$1700.00}, XX/XX/XXXX for {$850.00}, XX/XX/XXXX for {$990.00}, and on XX/XX/XXXX for XXXX in XXXX. The first XXXX look like computer purchases while the fourth is listed as " XXXX ''. 

Best Buy opened an investigation and on XX/XX/XXXX Best Buy sent me notice claiming that I had benefited from the fraud ( they had no evidence for this claim ) and demanding I pay the balance on the closed 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 2022-10-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I was never late on this account, the balance is incorrect. This is a good-standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I was never late on this account, the balance is incorrect. This is a good-standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: PA
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TN
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-08-31
Company: Experian Information Solutions Inc.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These credit reporting companies are reporting information to the public without my permission causing significant dignitary harm as they have not verified anything they report. When I create disputes and request validation of the debts they are reporting, they do not have valid evidence or proof that any debt belongs to me, was created by me, billable to me, correctly billed, or authorized by me in any manner. 

They are uninterested and unauthorized third parties presenting themselves to be a secure system of empirical data reporting when there is no way for them to provide substantial proof that they are reporting accurate information with permission from all parties involved. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy. Under 15 USC 1681 Section 604 ( a ) ( 2 ), no consumer reporting agency can furnish any report for any account without my written instructions. 15 USC1666b also states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have not provided any written instructions for any consumer reporting agency to provide my private data to anyone. My credit worthiness and ability to pay is not limited to scores by any private reporting agency as I have equitable interest in my security agreements/instruments, ( notes, coupons, and guarantees ) having nothing to do with these reports. 

Any delinquent account is to be construed as a billing error resulting from an inability to endorse these instruments for credit to be properly applied to my accounts. There is no benefit to me for any Consumer reporting agency to give negative information to creditors when my applications are requesting credit as an endorser. The credit score has absolutely nothing to do with that. All of these denials are substantial evidence of me being restrained from trade, deprived of my rights, and discrimination against me for being scored low when I have a right to endorse for payment using income from equitable interest in secured investment property and not limited to compensation from labor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Credit Technology, Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX REPORT PROVIDED BY : CREDIT TECHNOLOGY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX VOICE XXXX FAX XXXX Falsified my credit report for company listed XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX I have evidence/proof of previous credit report also requested from all three bureaus XX/XX/XXXX to verify scores stated/attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance on the credit cards have been reduced. The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage.

If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit 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 non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: PA
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:
I noticed some unauthorized inquires on my report and in accordance to the FCRA. I would like this unauthorized inquire removed from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX Account XXXX ) had 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 1792 ) prohibits collectors from various unfair practices, such as failing to validate the debt obligation, threatening litigation or other legal action, collecting on or reporting to credit on a debt you don't owe, harassing you, and engaging in fraudulent behavior.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