BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year a debt collection was added to my credit that I did not recognize. I immediately called the agency and asked for a verification letter. Months went by and I never got one. I called them back again. A gentleman by last name XXXX answered I explained the situation and they dated they would send me the letter. A few weeks later after many calls and him saying hes has the file and will send it shortly he sent me a file via email that looked like he typed it himself. I have since tried to reach out to the company to get actual proof of this debt with no luck. Theyre all rude unprofessional and never respond to any calls or voice mails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I requested TransUnion to investigate th following addresses as not mines : and Tranunion refused to do so. 
I sent a copy of my FL State Driver 's License and my FL State Concealed Arm permit SSN : XXXX DateofBirth : XXXX/XXXX/XXXX NamesReported : 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 AddressesReported : I also requested that the below telephone number be deleted as not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Again Transunion refused to investigate and/or delete the above telephone numbers. 
The FCRA mandates that ALL credit information in a consumer 's credit file being reported by a CRA to be accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion is reporting XXXX XXXX XXXX XXXX on my report. This account was written off by the hospital because I took sick at work and did n't have any health insurance XXXX. I explaioned to the hospital and they found a charity that helped me with the untimely expense. I explained this to Transunion and they refduse to remove this item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls even after a payment arrangement has been made ; calling XXXX minutes apart during work hours ( XXXX/XXXX/15 ) ; when calls are answered they will automatically go to hold and then disconnect after XXXX minutes ; callers have been rude and made insensitive remarks ; when a payment arrangement has been made company called XXXX times in a row first thing in the morning payment was expected even though there was still over XXXX hours to make payment as agreed ; when a supervisor is asked for due to poor or rude communciation it is often stated that no supervisor is available and that they will have to call back and no call is ever received from supervisor ; calling even after payment has been submitted online and then either are n't aware payment is already made or just hanging up after call is answered ; caller often unable to answer detailed questions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
There were dispute comments within my report that I had initiated. I would like to have MY comments removed from my report, and Experian is refusing to do such. They state that it is now up to the creditor to remove XXXX initiated comments. The creditor had nothing to do with these comments, so I 'm failing to see the logic in why they would need to be the ones to remove those comments.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: IN
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:
Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ). Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent. Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA. I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law. Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. Sincerely, 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 2015-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion, has failed to report correctly despite multiple attempts to correct information. I have sent disputes via mail and through the website. Not only has it been embarrassing to my brother, who they have fully disclosed his debt and financial situation to me, but it is jeopardizing my ability to provide for my family as we are coming up to some major financial decisions in the next year. TransUnion is the only XXXX out of the XXXX agencies that is grossly incorrect. I am currently active duty and XXXX dealing with the hardships that come along XXXX and having to deal with this credit agency over and over again is completely absurd. 
After sending in all proper documents for identification and detailed documentation identifying each dispute TransUnion responded with an even more faulty report. Attached are the documents with hand written corrections. Not only did they keep the items that are not associated with me but they took off an item that actually belongs to me. I am unsure if this is my brothers report with my name on it, or if they just continue to not know how to discern XXXX individuals with a very similar name, same birth date ( we are twins ) and different social security numbers. I am at a loss on how to the credit reporting agency is unable to do its job to properly investigate and report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, thank you for looking a my complaint. Equifax and XXXX done had over 60days to respond to my UNAUTHORIZED hard inquiries on my profile. Ive send them two certified mail letters twice with no response. I just want them to remove the XXXX XXXX inquiry off my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed XXXX debit card disputes with PNC on XX/XX/XXXX and XX/XX/XXXX due to issues with merchants not applying refunds/credit not received after cancellation. PNC did not give me a temporary credit to my account for either claim, so I reached out to have it expedited due to family emergency/hardship situation Im dealing with. PNC support does not allow me to speak directly to the disputes department when I call. Even after finding a direct phone number, I was routed to regular customer service as they dont deal with customers. The customer service representatives are not knowledgable about the claims process and cant give any direct updates about the cases- they call over to the disputes department that Im unable to be directly transferred to. The first customer service agent I spoke to informed me the expedite was denied directly by the disputes department after calling over. Customer service agent XXXX also informed me that due to the nature of the dispute being a merchant dispute for a refund not received, it doesnt qualify for a temporary credit at all and it cant be expedited. I was told to wait 45 days for the dispute to be resolved or work it out with the merchant, which is against Regulation E. The regulation requires all financial institutions in the US to provide a temporary credit if the dispute is not resolved within XXXX business days, regardless of the dispute reason, as long as the transaction was made with a debit card its covered. I have sent all of the the required documentation to win these disputes ( email screenshots from the merchants confirming cancellation of order, refund is owed ). PNC needs to issue my temporary credit or resolve this dispute in my favor within the XXXX business day time frame of these claims being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to 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 non-monetary relief
Consumer complaint received 2015-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have not been able to obtain my report other than from XXXX XXXX due to Transunion said they could not verify me. They have XXXX reports from XXXX closed/derog ch XXXX that are incorrect ; XXXX ch XXXX double reported limit {$300.00} and {$250.00} ; XXXX {$1500.00} should be reported paid in full ; they have collection accounts that state that meet fcra requirements for disputes that should be removed yet remain on my report. XXXX {$1200.00} ; XXXX {$620.00}, XXXX $ XXXX {$250.00} ; I would like these removed a new report issued to those that have inquired against me as I have been denied credit with a new score and sent to me via email with the score and report as well as mail. My email is XXXXXXXXXXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions 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:
Please see the attached AUD form and response letter from XXXXXXXX XXXX and remove the account XXXX XXXX XXXXXXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am a member of credit expert I have a membership and am allowed to view my credit report and score once a day. I have been transferred to the dispute Dept then back to the member Dept to resolve this issue mbr ship Dept tells me I have no address on file to view my report and to call experian I called experian and the put my address on my report. I then called back credit expert to view my report and was told I have to call dispute dept because there was a mismatch with my social security number and that over XXXX reports have generated dating XXXX but I still have no access to view them. This needs to be resolved so I can review my credit report and score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Reported date incorrect original disputed with XXXX XXXX for reporting to Trans Union Credit Agency twice XX/XX/XXXX and XX/XX/XXXX. With this reporting I was unable to obtain an apartment due to the two yr rule here in XXXX Texas and asked to pay an extra deposit of {$800.00} for an apartment. This debt was scheduled to be removed off my credit XX/XX/XXXX, then the XX/XX/XXXX date showed up and prolonged it. I do n't feel it 's fair I would like to have this debt removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TN
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, DO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
i disputed this file on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX the file was deleted XXXX was the original creditor.. On XXXX XXXX i requested a copy of my credit report i noticed a company call XXXX after doing some research this is the same account that was deleted on XXXX/XXXX/XXXX i have supporting documents to my claim also that i never open an account with XXXX on 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 2018-05-29
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I disputed a late payment on my credit report from XX/XX/XXXX to just make sure the information was being reported accurately. Screen shot attached. Well when they replied and updated my credit report, it shows I was lateXX/XX/XXXX on XXXX and XXXX and then late XX/XX/XXXX on XXXX. But not only that, they updated my credit report with a new late payment on XX/XX/XXXX saying I was 30 days late when that is not true. I feel that they are penalizing me for disputing a late payment when that is my right per the Fair Credit Reporting Act. I attached the new late payments that they only put on after I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have so many issues with this response, that I do n't know where to begin! 
# 1 I provided PHYSICAL PROOF that the public records are not reporting accurately and must be removed. How are they going to tell me that it 's " accurate '' to report information that does n't exist and that is invalid? How is it " accurate '' to report a balance when it should state that it has been paid? 
XXXX CT XXXX the date XXXX/XXXX/2011 is not the date this was filed and I need to see the petition where you obtained this information " XXXX CT '' is not the name of a court and you must list this as a bankruptcy court with the city and state The docket # XXXX is invalid and does not belong to this bankruptcy - please send me petition You have no plaintiff listed No liability amount listed Once again, I 'm asking HOW THIS IS EVEN LEGAL? 
# 2 TransUnion 's response to my letters ( received in the mail ), clearly states that the burden of proof is on ME and NOT them! This is not true. XXXX states in XXXX XXXX TRANSUNION that the burden of proof is on them and they can not tell me that I have to go directly to the creditor to obtain information. That 's THEIR job. They get paid to report information that is ACCURATE AND COMPLETE. When I notify them that this is not so, they must conduct an investigation into what I 'm stating is inaccurate or unverified. When I tell them once again that they are incorrect, they must ensure that the information they receive from the creditor is in fact accurate! Telling me that they verified the bankruptcy is NOT legal verification. XXXX states that the ONLY legal form of verification is FIRSTHAND KNOWLEDGE. They MUST physically possess the documentation that substantiates the reporting of these accounts PRIOR to even reporting them to ensure what they are listing is accurate! 
# 3 The CRA 's are paid to report information and have no incentive to remove any of the items. It is, however, their job to ascertain that what they are reporting is correct. This is why I have sent them the proof that what they are actually have on my public records section is NOT correct and they have failed to remove or correct it after 2 months and XXXX rounds of letters. I 'm looking at the actual paperwork ( petition ) from the court that verifies that they are reporting information that is invalid. This is also why I have provided this documentation to 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 explanation