BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE SELECT PORFOLIO FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED MUST BE REOVED VIA COURT ORDER SEE PAGE XXXX FOR CHAPTER XXXX 3. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BALANCE IS INCORRECT 5. SECOND XXXX BALANCE IS INCORRECT 6.XXXX INQUIRIES ACCOUNTING ERRORS MUST BE REMOVED CALL THEM TO VERIFY XXXX XXXX INQUIRIES MUST BE REMOVED DO NOT SAY VERIFIED XXXX XXXX XXXX INQUIRIES MUST BE REMOVED. 
XXXX XXXX INQUIRY MUST BE REMOVED TOWER INQUIRY MUS BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

YOU PEOPLE ARE GOING TO GET ME ARRESTED BY PUTTING THIS ON MY REPORT I AM XXXX!!!! THEY DO N'T ASK QUETIONS REMOVE ALL THIS!!!!!!!!! AND DO YOUR JOB NOT VERIFY EVERYTHING!!!!!!! 
I CAN NOT DO ANYTHING MORE THAN READ IT IN PERSON FOR YOU!!!! 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER

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 2017-02-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After four years of investigative research, and denial of disputes by Experian, I contacted each and every creditor, and inquiry on my credit report. In such on XX/XX/2017, in violation of the statue, and part of the selective and inaccurate verification practice of credit reporting agencies, by selectively abiding by the lawful requirement, but should illustrate that the process needs more oversight, because its materially flawed, and allows credit entries, and inquiries upon consumers report without justification. 
On XX/XX/2017, and inquiry appeared upon my credit report from a company identified as appfolio, upon contact to that company, it was found that the information used to gain such access was not the accurate information of my identification. Experian techniques for verification subsequently has been revealed, and is verified by this creditor. The social security number that applies to this inquiry is XXXX, and my actual social security number is XXXX. Additionally in disputing the public records it was found thru inquiry that Experian is n't verifying the information as purported but only verifying the last XXXX dights and name likeness, which is insignificant and not proper. In such since they ca n't verify my the accuracy of entirety of social security number, or name, but only a portion, and that portion having been stated in that inquiry to be others performing the same, it is not likely that Experian has accurately disputed any information from disputes of the prior four years, and in such is guilty of creating financial hardship upon this consumer based upon a flawed system of verification, that is n't total and complete.

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 2015-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
As of today, XXXX XXXX, XX/XX/XXXX I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all XXXX credit bureaus reports. I have not applied for any credit since XX/XX/XXXX. My credit reports should be free of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues to report an incorrect item on my credit report. There is a lien on my credit report for a XXXX XXXX account from 2010. On the same credit report page XXXX, you can find my XXXX XXXX account histories and they are always paid on time, never late. Account closed at consumer request. 
Even after disputing this item twice and pointing them to their own information on my credit report, Experian refuses to remove the fraudulent item on my credit report. This is now impacting my ability to buy a home. 
Can you help me resolve this issue?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The account was deleted by XXXX And Transunion because is from XXXX And more the 7 years has passed but the creditor reinstalled them with a different balance. But it is the same account .XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
TransUnion is making its customers listen to XXXX minutes of advertisements for paid credit-monitoring services before TransUnion will place a fraud alert on the customer 's file. The way TransUnion describes these paid services is unfair and abusive because consumers have to listen to the advertisement and decline it XXXX before TransUnion will complete the request to place a fraud alert on file. The way the advertisement is presented and the timing of the presentation make it seem like a required part of the process of placing a fraud alert on file. 

Background is as follows. On XXXX/XXXX/15 I called TransUnion to place a fraud alert on my credit file. ( I had just learned my social security number had been stolen and someone was using it. ) I went through TransUnion 's prompts on initiating the fraud alert. 

Then, before TransUnion 's automated system said the fraud alert was placed, it played an advertisement for paid credit-monitoring services provided by TransUnion. This ad was about XXXX seconds long and followed by a choice to press " XXXX '' and order the service or press " XXXX '' and decline the service. I pressed " XXXX. '' TransUnion immediately played a XXXX advertisement for the same service, this time XXXX seconds in length and using much more alarming language, again encouraging me to pay for the service. Again I was presented with the choice to press " XXXX '' to order the service or " XXXX '' decline it. I pressed " XXXX. " Only after I declined the service XXXX did TransUnion 's automated system state that my request to place a fraud alert on file was successful. 

TransUnion should not be able to require victims of identity theft to listen to TransUnion 's paid advertisements as the price for placing a fraud alert on their own files. But that is exactly what TransUnion is doing right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I do not even have an account with Ally Financial, however the constantly called my cell phone looking for someone by a different name whom I do not know. After being told numerous times they have the wrong number they continued to call and harass me at all times of day. Even told me I was lying to them. Sometimes I would receive XXXX calls from them at the same time. I attempted to contact corporate offices and was told I would receive a call from someone in a couple days approx XXXX month later, I received a call from a blocked number being allied at XXXX in the morning which is illegal, stating they had no record of any calls made to me. Of course this is after I threatened to file a report. They refuse to provide any contact to the legal department and although I have cell phone records of all calls they have deleted all records on their side in a coverup attempt.

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 2016-05-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting a late they say one month old and I have no recent lates they are blocking my ability to dispute on line or via telephone requiring me to order a report via us mail then to dispute in which could take 60 90 days to correct their mistake which is costing me credit approvals as again my score reflects a late when there is none

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Partners Financial Services Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I owe XXXX School of XXXX XXXX {$2700.00}. The collection agency, Partners Financial Services Inc. of XXXX, they have chosen to partner with is charging me {$2300.00} ( almost XXXX ) simply for it being in collections. They have clearly stated that the charge is 0 % interest. I have been a student since I left XXXX School and could n't pay them the amount due. I was never notified that I was going to be charged such a large amount or that it was going into collections. I believe Partners Financial Services Inc. is charging me for the amount XXXX owes them for collections and is putting it in my account. I do not feel as though I owe Partners Financial Services Inc {$2300.00}. This collections agency is charging me unreasonably and unfairly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian credit bureau reinserted the XXXX account back on my credit report after it was already deleted. The account is not mine and needs to be deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent letters made calls back and forth to the Dept of Ed who tells me my account is closed paid in full and should not show any negativereport to the XXXX credit reporting agencies. Dept of Ed student loan claim Imust dispute any negative information with transunion XXXX orXXXX. I have done so many times and it continues to show multipleincorrect reports of missed payments. I have asked the closed accountsbe removed which are from more than 7years ago but all I get is ais a customer remarks added to their report claiming I never missedpayments. will they ever help me and clear my record so I can buy ahouse! I have sent proof to the agencies from my student loan companythat the accounts are paid what else do they need???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, 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 have been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) multiple times over. Remove these inquiries ( XXXX XXXX, XX/XX/XXXX  ; XXXX XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX, XX/XX/, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  ) as seen in the attached. 
Also these unauthorized inquiries which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and EQUIFAX is in violation of 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) and is liable for each inquiry. Find my invoice attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Four complaints:1. While requesting XXXX my annual reports, the internet went to a " XXXX '' for the reporting agency XXXX TransUnion XXXX, then a error message appeared saying that the secure site could not be reached. This also happened a few months ago during a request XXXX. Because the online service was not producing my report, I decided to contact XXXX, using their posted " contact us '' form. 

2. I tried to contact AnnualCreditReport.com by using both their " contact us '' form and by phone. Even though I completed the " contact us '' form, it repeatedly posted a message that there was a problem in the " tell us more about what happened '' comment field, and that I 'd have to correct the error ; however, there were no instructions as to what the error was or how to correct it. 

3. After getting no results through the " contact us '' form, I tried contacting XXXX by the posted phone number : XXXX ( which is the same number that Consumer Financial Protection Bureau gave me to contact XXXX XXXX. That phone number ( XXXX ) provides only a repeating message and no live person to help troubleshoot the online problems with their website. 

4. I 'm quite concerned that the XXXX website is phishing! It certainly is acting like it is! and I do not need my identity jeopardized!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I received an email updating informing me that some collections which were previously removed from my Trans Union credit report were added back which dropped my score tremendously. I never received any type of written or email notification from them stating that they were going to add these items back to my report and know that they should have send me some type of notification within 5 days informing me of why any changes were incurred. All of these items were previously removed from my credit. When they added the items back to my report, they added them as charge offs which was not the case. Everything that was previously removed was a closed collection. I 'm not sure why they added this information back to my credit report or why it was reported incorrectly. When I called and spoke with customer service, I was informed that this was an error due to XXXX app but that was not who alerted me of these negative changes to my report. This information was displayed on my credit wise credit monitoring app.

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: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
inquiries that was once deleted is back on my credit report and i would like for them to be removed. i was not sent any nofication stating they would b put back on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I faxed over a dispute and mailed it to Transunion. Twice they lied and said they did not have a drivers license in order to not investigate my dispute. I am attaching my license so someone else can over see it. I also need the items in the letter investigated within 15 days because they are very much behind. 

I already sent letters certified to verify the following collector and creditor accounts : 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 2016-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have repeatedly asked my mortgage company XXXX, to report my mortgage balance to the credit bureaus to no avail ( loan number XXXX ). The last time I complained to them they said that because I filed a chapter XXXX bankruptcy on XX/XX/XXXX ( discharged XX/XX/XXXX ), they can not report the balance due even though they report the mortgage payment each month. This they claim is because the original mortgage with XXXX was included in in the bankruptcy filing and even though it was switched to XXXX in XX/XX/XXXX, they therefore can not include the balance. 
Please see attached mortgage loan modification dated XXXX/XXXX/XXXX, where the originally refinanced loan from XXXX/XXXX/XXXX with XXXX, then sold or transferred to XXXX, is now transferred to XXXX as a modified mortgage. ( This was the result of a lawsuit filed by me in federal court ). Nowhere is it mentioned that there will be any unusual credit report notifications made. There have been no late mortgage payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27
Company: EQUIFAX, INC.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Equifax told me I have a mortgage, considering the fact that I am currently homeless and on unemployment through the state of Texas would you be so kind as to give me the address to my house so I can XXXX out of the people who have stolen my identity please and move in to my XXXX house that apparently they qualified for with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016 I checked my XXXX report and it showed that an collections account, XXXX XXXX XXXX was deleted and reinserted in the same week. I have been disputing this account for a few months due to the fact that it is not mine. I have sent them several letters and have yet to receive a response. Transunion failed to notify me within 5 days that they were reinserting the collection account. They have broken the law.

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 2016-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an item from XXXX XXXX out of XXXX XXXX, CA they are reporting that I owe almost {$2000.00} on an apartment lease and yet they will not provide the lease agreement. I know that I did not sign a lease agreement with them everything was under my wife 's name at the time and it should not be reflecting my credit at all. If they choose to place this on my credit report than they should be able to provide proof that I owe the debt. I have requested copies of said lease agreement from both the apartment complex and the collection agency and neither have responded to me. I feel that if they claim to have a debt with my name associated with than I have the right to at least see the proof behind it.

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