BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There is a Credit Card from XXXX XXXX reporting on my credit report inaccurately Acct XXXX XXXX, Opened on XXXX XXXX, XXXX. 
I have requested a full accounting of this card two times now and have yet to receive that information from XXXXXXXX XXXX. I am again requesting all the statements from XXXX through XX/XX/XXXX. 
XXXXXXXX XXXX has been reporting the date of last activity on this account as XX/XX/XXXX and XXXX ( XXXX ) time now have reported that date of last activity is reporting correctly. 
However my records show there were NO successful payments for this XXXX XXXX credit card in XXXX, XXXX and XXXX of XXXX. So XXXX XXXX must believe this account was actually used in XXXX, XXXX and XXXX of XXXX. If that is true it may have been fraud. But I can not confirm that unless XXXXXXXX XXXX  provides me a copy of the statements I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
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 belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-09-07
Company: EQUIFAX, INC.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: NC
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NJ
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, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas in my life. See, I lost my girlfriend a few years ago and she was XXXX months pregnant with our baby XXXX. A driver under the influence rammed into my girlfriends vehicle. Neither XXXX of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the federal trade commission and enclosed is a copy of my 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 non-monetary relief
Consumer complaint received 2023-02-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have minimum balance on XX/XX/XXXX and paid Shortage on that time.I Missing Money Base on Statements and project Escrow Account Activity from XX/XX/XXXX to XXXX XXXX Missing Money from my Escrow Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX am making this complaint please do not close it down. Please submit it to the credit bureaus. I noticed some accounts on my credit that do not belong to me. I want them 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 2023-09-18
Company: EQUIFAX, INC.
State: OH
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:
accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts that are in disputes and I have a pending lawsuit against the credit bureaus for not removing accounts that are fraudulent and the phone call I had with XXXX and transunion was unsuccessful and the disputes were denied I didnt not open up a XXXXXXXX XXXX XXXX XXXX XXXX XXXX in my name and Im requesting a account to be removed off my credit report A account called XXXX XXXX  is reported on my transunion report XXXX is not removed the rep refused to block this account I send in documents at my own expense and they are wasting my money

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 2022-11-05
Company: EQUIFAX, INC.
State: PA
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : DEPT OF EDUCATIONXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I tried to request a deletion to my negative accounts on my credit report its been 7 years, they havent processed it yet, one of the account been paid off they updated the account as paid less than full balanced wish is falls information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.

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 2022-11-04
Company: Experian Information Solutions Inc.
State: PA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify- through the physical verification of the original signed consumer contract - all accounts you post on credit report. Otherwise. anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

COMPANY 'S NAME : XXXXXXXX XXXX XXXX  UNVERIFLED ACCOUNT : XXXX XXXX XXXX SERVICE ACCOUNT 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 2023-12-01
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
When purchasing vehicle with original creditor ( US auto sales ), it included a warranty with a third party company that terminated early, due to original creditor 's negligence on making timely payments to warranty company. Original creditor abruptly ceased all business and sold my account to Westlake Portfolio Management when filing for bankruptcy and provided no communication that my warranty was no longer valid. Upon my discovery today, while experiencing trouble with my vehicle, XXXX XXXX XXXX XXXX, has advised me this is a matter I need to resolve with my finance company. Westlake has advised me there is nothing they will do to assist and the responsibility falls on me, which is not the contract I originally signed.

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 2022-11-04
Company: Experian Information Solutions Inc.
State: MI
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 accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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

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 2023-09-18
Company: EQUIFAX, INC.
State: OH
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 XXXX, XXXX XXXX To whom it may concern, Ive already sent letters and spoke with the creditors asking them to remove these late payments with the dates as follows ( XXXX & XXXX ) and they have not abided by what I have requested. XXXX XXXX XXXX XXXX have also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
The law 15 U.S CODE 6802 B Obligations with Respect to Disclosures of Personal Information states ; except as otherwise provided in this sub chapter a financial institution may not directly or through any affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title.

I demand these two late payments removed! 
Thank you. 
XXXX Creditor : XXXX XXXX XXXX XXXX  ACCOUNT number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is a company that is here to " help '' build credit however they are falsely reporting late payments on the following account # XXXX. Pursuant to XXXX U.S. Code 1681s-2 this company has reason to believe that they are reporting inaccurately because the truth in lending act states that a creditor may NOT treat any payments as late. 15 U.S. Code 1666b. Additionally, to verify that those " late payments '' are true, I am requesting that this company sends me all accounting records pertaining to this account. If they can not provide it, I demand that this company updates my consumer report to reflect PAANL status which is " Paid As Agreed Never Late ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I send a Letter out 30 days ago to XXXX, XXXX, XXXX. .How ever its been 30 days and the credit bureaus failed to send my investigation back. This is not making is not making any sense. 


According to the law 15U.s code S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly though a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and the Current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

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 2023-06-22
Company: BROKER SOLUTIONS, 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: Personal information incorrect

Complaint:
SOME UNAUTHORIZED INQUIRIES ARE ON MY CONSUMER REPORTS THEY ARE UNLAWFULLY BEING REPORTING. 

15 USC 1681N ANY PERSON WHO WILLFULLY FAILS TO COMPLY WITH ANY REQUIREMENT IMPOSED UNDER THIS SUBCHAPTER WITH RESPECT TO ANY CONSUMER IS LIABLE TO THAT CONSUMER IN AN AMOUNT EQUAL TO THE SUM.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NE
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation