BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit report shows I am in collection for {$1700.00} debt not mine. Store not around, never been billed, debt from XXXX contacted credit report ( XXXX ), XXXX XXXX XXXX collection agency and have not had it 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 2016-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to investigate numerous fraudulent inquiries in my credit file that were not initiated by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Ive tried numerous times in writing and phone calls to retrieve my free annual credit report to no avail..the information they have is incorrect such as ..i had bought a house ..i cant get past the questions to retrieve my report..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I closed this account by turning in the mobile phone on time and they added another payment to the account when the account was closed. I would not pay it and they sent it to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Ther are XXXX debts and almost all of them I do n't recognize. I need them off my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
FICO ( R ) Score XXXXPowered by ExperianXXXXCredit Rating : FairXXXXGenerated : XXXX XXXX, 2015SEE ALL XXXX FICO SCORESYour score is below the average score of U.S. consumers, though many lenders will approve loans with this score. 
Why did my score changeLEARN MOREKnow more, Save more. Get Your FICO ( R ) Scores Now! 
Get XXXX Reports and FICO Scores to check for potential inaccuracies. 
What 's helping your score? 
No missed paymentsYou have no missed payments on your credit accounts. 
Long credit historyYou have an established credit history. 
What 's hurting your score? 
Collection item and/or PRYou have a public record and/or collection on your credit report. 
Number of collections on your credit reportXXXX collectionsThe presence of public records ( such as a bankruptcy or tax lien ) and/or collections are powerful predictors of future payment risk. If these are valid, satisfying the public record and paying off the collection will not remove them from your credit report. The fact that they occurred is still predictive of future payment risk and will be considered by your FICO ( R ) Score. However, as the items age and fall off of your credit report, their impact on your score will gradually decrease. Most public records and collections stay on your report for no more than seven years - though bankruptcies may remain for up to XXXX years. 
Few current accountsYou have few accounts that are in good standing. 
No installment loansYou have no recent activity from a non-mortgage installment loan. 
High credit usageYou 've made heavy use of your available revolving credit. 
Score TrackerTrack changes in your FICO ( R ) Score and credit rating, based on your Experian Credit Report. 
Your score is automatically updated XXXX monthly and each day you log in. 

Average score is : XXXXExceptional+XXXXVery GoodXXXXXXXXXXXXGoodXXXXXXXXXXXXFairXXXXXXXXXXXXPoor & lt ; XXXX/XXXX/XXXX 2015XXXX 2015XXXX 2015XXXXHow your FICO ( R ) Score is calculatedClick on each score factor piece to reveal more. 
30 % Outstanding DebtWhat you should knowUsing your credit responsibly can positively impact your credit and FICO ( R ) Score. However, maxing out your credit cards and increasing your debt can have a negative impact since lenders may perceive your increased outstanding debt as a sign that you are living above your means. 
I do n't have any public record reporting on my report but yet Experian is saying that I do and that it 's hurting my score ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a lot of closed accounts on my credit report that I would like to be removed. XXXX was in my bankruptcy and discharged in 2010. I called XXXX and told them and it 's still on my credit report. My insurance paid my medical bills and ambulance Bills as well. Can you please remove the closed items please. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX charged off an account in XXXX XXXX. They reported it as charged off again in XXXX XXXX and again in XXXX XXXX. The FICO credit scores treat this as a recent event instead of XXXX that happened 4 years ago. They claim it 's only noting the current status of the account but this is not how it 's considered by virtually all the various credit scores. It 's listed in account history and it 's false. It 's impossible on its face. A charge off occurs once. This is in retaliation of me requesting validation of the debt with Experian. A charge off is a XXXX time event. It does not happen over and over again. All of the charge off notations after the XXXX XXXX need to be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX is not being reported properly on my Experian credit report. XXXX 2013, XXXX 2013, XXXX 2013 and XXXX 2013 payment reporting and history do not seem correct. I asked for results of the account review and I never received a proper 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 2015-06-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have incorrect information on my credit report being reported by Experian the agency which reported it was XXXX XXXX liens that were supposed to be cleared and XXXX XXXX gave me the copies to send to all XXXX reporting agencies and I sent them to the reporting agencies on XXXX different occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The XXXX XXXX XXXX account was paid as agreed and has a zero balance but shows charged off with a balance.on Experian and XXXX they will not update even after I uploaded the proof! The Credit acceptance account shows a balance and repossession this was a dealer endorse contract and is the dealers responsibility not mine thus the reporting is in accurate the credit reporting agency have failed to remove this from my report even after proof was submitted also credit acceptance required me to purchase an overpriced warranty to obtain financing which is illegal in Texas

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I am working with a bill lowering and monitoring service - XXXX - and Capital One will not allow me to let them access my account to look for unwarranted charges or subscriptions that I do not know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Student loan information entered XXXX ( same loan amount and acct number listed XXXX times ) on list of owed liabilities on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 've attempted to retrieve my Experian free annual report and the system indicates that I can not get a report. I do not understand why. I have not yet gotten a free annual disclosure and furthermore I am actually an Experian customer. I subscribe to their FICO score and report product, but this product does not show the full report with items such as soft inquiries. I wish to receive an online copy of my full report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian IS REPORTING CREDIT INQUIRIES THAT SHOULD BE REMOVED AFTER XXXX YEARS, THESE INQUIRIES ARE AFFECTING MY CREDIT SCORE AS I WOULD LIKE TO BUILD MY CREDIT. REMOVE ALL INQUIRIES 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 2016-02-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I wrote and mailed a certified letter to Experian and XXXX, regarding accounts on my report that are inaccurate. It has been 30 ( plus ) days, since someone signed for the papers, but I have not heard anything. I have duplicates of a debt ( private student loan ) and accounts that were made current, which are negatively affecting my credit. Also, an account that has some missing positive payment history, was not updated on my credit because the bank does n't want to improve my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts with various creditors. I am a victim of identity theft. I have been receiving harassing, threatening telephone calls and death threats. The following unauthorized and fraudulent accounts accounts do not belong to me : Lend Up, XXXX, XXXX. The following unauthorized and fraudulent inquiries do not belong to me : 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 2015-09-23
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My mortgage is with XXXX. In XXXX, I asked that my escrow account be returned due to missed payments for real estate taxes. At that time, I ceased paying the escrow amount and have made the principle and interest payments on a timely basis. I have made all payments for real estate taxes and insurance, but XXXX has been applying my mortgage payment to escrow or just not applying the payment at all. The result is an escrow account of over {$4000.00} which should have been applied to the mortgage. XXXX is reporting me as over 120 days delinquent. I have provided Equifax with copies of my cancelled checks and they refuse to correct the situation. 

In addition, the phone number provided by XXXX to follow up on this issue is incorrect. My payments have resulted in my FICO score going from XXXX to XXXX. The only blemish on my credit forever is XXXX. I was never notified they were drastically reducing my rating nor did they provide me with the opportunity to refute the reporting. The system defies reasoning and does not protect the consumerI have documents which have been provided to Equifax, but can not up load them. Give me an address and I can mail the hard copies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX : Acct. XXXX Acct : XXXX XXXX Cards notifying me XXXX XXXX XXXX of the above debts. 
I contacted the XXXX major Credit bureaus and XXXX Cards making a point of proving to them that I was the victim of Identity Theft. The entities named above validated the debt as mine, yet they did not provide any documentation legally linking Me XXXX XXXX to the account. 
The problem with their validation is : 1. I was residing in different city than the one provided for the origin of this account. 
2. Therefore the accounts are linked to an Address that I never resided at 3. The number one way companies validate an account is through a signature neither of the entities above have done so.

Company response to consumer: Closed
Consumer complaint received 2016-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my credit report is an entry for a credit repair company that I never used, had a deal with, or even knew existed. I do n't know where this came from. 
The company is XXXX XXXX XXXX and XXXX XXXX XXXX is collecting for them. 
They are trying to get me to pay XXXX and have put derogatory information on my credit report. I want this removed. I never had this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I bought a software package using Discovercard. The software included XXXX mail-in rebates, which were advertised by the merchant. The transaction was therefore to purchase a product *and* XXXX checks ( which were to arrive at a later time ). XXXX of the checks was never sent. Discovercard refused to dispute the charge on the basis that the rebate is " between you and the merchant ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I was doing a thorough Credit Check via XXXX, which is something I 've decided I would do much more often. In the past, I would only use it to check my score, and that 's it. 
While looking around at the different reports, I noticed that TransUnion was reporting a XXXX name for me. I can not recall why this name would be reported under me, but it seems as if the reporting agency ( I can not figure out how to discern which agency reported my name wrong, or whether it is, in fact, fraud ) typed one letter of my name incorrectly. 
Whatever the reason might be, I 'd much prefer to have my name, and only my real legal name, to represent me in Credit Reports -- I do n't feel comfortable with another name out there that is n't mine that is attached to my liability.

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 2023-02-04
Company: EQUIFAX, INC.
State: MD
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 called the XXXXEquifax after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last January 20, 2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXXXXXX Balance : {$1300.00} this late payment will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX/XXXX/XXXXTo whom it may concern, I hope you can help me. Here is the situation/information. 

The original creditor was XXXX XXXX and reported my debt to collections on XX/XX/XXXX a total amount of {$1600.00}. XXXX XXXX then turned around and sold this debt to XXXX which placed this same amount as a new debt on my credit report/collections on XX/XX/XXXX. From my understanding this debt is suppossed to be from the original debt date. This should have fallen off my credit report and I want it removed as a new dept. I do have the original purchase order if you need me to fax it to you. I do n't have a scanner so I can not scan the information in to this computer.

Company public response: Company 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: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was contacted by XXXX XXXX XXXX with a threat to sue me if I did not settle a XXXX XXXX account. Out of fear I paid the XXXX dollars and thought I was settled. They then notified me that I had a second account and that was with the attorney and being prepared to be a lawsuit. I was confused as I clearly remembered closing my XXXX XXXX account after having it stolen on a trip back in XXXX. 

I pulled my credit report and saw XXXX report for XXXX XXXX. It states closed XXXX and Paid or paying as agreed. It also states " card lost or stolen ''. The dates did not match the XXXX dates that XXXX XXXX reported, nor did it match the amount of that card. I called TransUnion and disputed this. I was told over the phone that it did not match and I should dispute the information. I did and have waited. I checked today ( was given no notice it was completed ) and it came back as verified and they also changed the XXXX settled account to having a balance of XXXX. 

I called TransUnion and have been on the phone for over an hour. They are asking me to verify that the accounts are not mine. I believe it is clear they are not mine as if I did have XXXX XXXX XXXX accounts in XXXX they would certainly show on my credit report. I have spoken with XXXX people who continue to question me about who owns this account. How can I possibly answer that? 

XXXX XXXX is also showing on my XXXX and XXXX accounts. Again, this is all with different dates and balances. The only XXXX XXXX account I have ended as " paid or paying as agreed '' in XXXX XXXX. I want the XXXX XXXX accounts deleted off of each XXXX of my credit reports as they are not accurate at all. I want the threats and the contact from XXXX XXXX to stop as well.

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