BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I mailed Equifax a letter in regards to inaccurate information being reported on my credit report. Equifax responded that they verified my name even after I sent all requested documents including my drivers license and my social security card. My name is NOT the name they have verified for me! At this time I am enacting my consumer rights to have only current true accurate and physically proven Metro 2 compliant information reporting! I do not authorize EQUIFAX to retain and or report inaccurate information in which they are! 

I am demanding correction to the inaccurate misinformation of my name being reported and payment of {$1000.00} for the violation of reporting INACCURATE INFORMATION IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: TX
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:
The accounts, addresses, and inquiries was open without my permission. I have contacted experian XXXX and XXXX about this fraud issue but not resolved despite my federal trade commission XXXX and police report submitted Accounts XXXX XXXX XXXX, XX/XX/XXXX, {$15000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$510.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$15000.00} XXXX  XXXX, XX/XX/XXXX, {$2800.00} Inquiries XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX Experian XXXX XXXX, XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX at La XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx 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 2022-06-26
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has violated my rights by verifying each of the following disputed accounts : XXXX XXXX XXXX # XXXX reporting is INCOMPLETE. 
Experian has XXXX XXXX 's XXXX XXXX ' as 'Not Reported '. 
Experian has XXXX XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) XXXX XXXX XXXX Account # XXXX reporting is INCOMPLETE. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) XXXX XXXX XXXX Account # XXXX reporting is both INCOMPLETE and INACCURATE. 
Experian has XXXX 's 'Terms ' as XXXX  months although the term is XXXX months. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) US Bankruptcy CT public record Identification # XXXX is INCOMPLETE. 
A letter is missing from the XXXX XXXX number. 
( see attached proof ) As per the 15 U.S.C. Section 1681 of the Fair Credit Reporting Act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.

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 2022-06-26
Company: Affirm Holdings, Inc
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Summary : Affirm has confirmed a technical issue with deducting my loan payments and the research team has yet to provide a response in over 2 weeks. My account is now 30+ late and I am at risk of having a delinquency on my credit report. 

Description : During the month of XX/XX/XXXX, I attempted to make payments to Affirm to pay off my monthly loan amount and various times and then attempted to clear the full loan balance. For the first time in my account history, the payment was declined on the Affirm side ( not the bank side ) for an unknown reason - even with excess funds available in my XXXX XXXX and Bank XXXX XXXX accounts. I subsequently tried several different accounts and debit cards- all with excess funds available- each time the payment was unsuccessful on the Affirm side. I also initiated a three way call with 2 different banks where a payment was attempted and again, the payment was unsuccessful on the Affirm side. In each case, the bank rep confirmed that funds were available and the issue was on the Affirm side. In addition, Affirm representative has confirmed that this is a technical issue that they have never experienced and promised a call back withing 2-3 days. The first technical troubleshoot case was opened on XX/XX/XXXX - It's been over 2 weeks and no one can explain what the issue issue. 

-The account has been noted with the series of events. 
-There are several complaints and cases pending stemming from early XXXX. 
-I 've spoken with 4 supervisors, no one can help or help expedite the technical cases. 



Affirm Account : XXXX XXXX call log : XX/XX/XXXX - several times, XXXX XXXX times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: AZ
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 have found XXXX accounts opened by my ex girlfriend co worker and I have filed a FTC report on her finally. But i do fear retribution from her and her friend so I am not pressing charges but this has been going in for 2 years and has caused me alot of grief. I tried to dispute this in the past but am coming forward to put this to a close

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
XXXX XXXX apartments opened accounts for all residents with XXXX. This was not on the lease agreement I signed. Residents were not given a choose to opt out. I did not create this account and did not want my private information shared with XXXX. They are now on my credit report. I would surely think something like this should be illegal. Apartment complex says I must contact XXXX. Not possible to talk to human. Apartment manager even tried. Tried the email address XXXX gave for help, it was undeliverable. I am very concerned about this.

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 2022-06-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have served my country for the last XXXX years as a XXXX military XXXX  and a XXXX XXXX XXXXXXXX and XXXXt. I was recently awarded the Public Service Loan Forgiveness ( PSLF ) for my service and excellent payment history.

Score Change My score dropped nearly 100 points since I was awarded the PSLF. It is a travesty that I have to suffer such a drop in score for serving for over 30 years and having great payment history. I never missed a payment in the entirety of my student loans.

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 2022-09-20
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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: Their investigation did not fix an error on your report

Complaint:
I have served my country for the last XXXX years as a XXXX military XXXX  and a XXXX XXXX XXXXXXXX and XXXX. I was recently awarded the Public Service Loan Forgiveness ( PSLF ) for my service and excellent payment history. 

Score Change My score dropped nearly 100 points since I was awarded the PSLF. It is a travesty that I have to suffer such a drop in score for serving for over 30 years and having great payment history. I never missed a payment in the entirety of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I am requesting an early exclusion or deletion of XXXX XXXXXXXX XXXX account from my credit report. On my Equifax credit report it is saying that the account is XXXX  years, XXXX  months and XXXX days old. Meaning that the account will fall off my credit report in XXXX  month and XXXX days. Equifax has a policy by which one can request an early exclusion or deletion of an account from a credit report if the account is within 1 to 2 months of falling off the credit report. This XXXX  XXXX XXXX account falls within such a category and I am therefore requesting an early exclusion or deletion of XXXX XXXXXXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: MO
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 am appalled by the ability of the Credit Bureaus to ignore my letters and not comply with the FCRA section 605b despite all the letters and complaint I have been submitting to them. I am frustrated by these action taken by the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my Driver 's license and Proof of billing address as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that a consumer identifies as an item that resulted due to identity theft. I am now submitting this complaint to protect my rights under the FCRA which is clearly being violated by the Credit Reporting agencies by continuing the reporting of the accounts and information without proper verification. Pursuant of the FCRA XXXX XXXX, I need the following items removes as from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX F XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing to formally dispute the following inquiries, Names and addresses also employment history listed on my credit report, as they are inaccurately reported and were not authorized by me. The unauthorized inquiries violate the Fair Credit Reporting Act ( FCRA ), which protects consumers like me from inaccurate and unauthorized information on our credit reports. 

Name details : XXXX XXXX XXXX, XXXX, XXXX XXXX details : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Employment History Details : XXXX XXXX Inquiry details : XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  ) - XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I have not applied for any credit, loans, or financing with the entities mentioned above during the corresponding time frames. As a result, these inquiries are not only inaccurate but also infringe upon my rights under the FCRA. According to the FCRA, unauthorized inquiries must be promptly removed from the credit report. 

Please investigate this matter in accordance with the FCRA guidelines and promptly remove these unauthorized inquiries from my credit report. I am enclosing copies of supporting documentation, including proof of my non-engagement with the mentioned financial institutions during the specified periods. 

I kindly request that you provide me with written notification of the results of your investigation within the 30-day timeframe stipulated by the FCRA. If the inquiries are not removed in a timely manner, I reserve my right to take further legal action to ensure the correction of my credit report.

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of 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 2023-10-05
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-26
Company: Experian Information Solutions Inc.
State: DE
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 am a victim of identity theft, no one is helping me to remove the transactions 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 non-monetary relief
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # has violated my rights 15 U.S.C 1681 section 602A. states i have a right to privacy.

15 U.S.C 1681 section 604A section2 : 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 non-monetary relief
Consumer complaint received 2022-06-26
Company: FISERV INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2022 I went to XXXX XXXX to purchase a cellphone I needed immediately. My purchase was denied because TeleCheck ( XXXX ) XXXX denied my check to XXXX XXXX. I had over {$1000.00} in my checking account to more than cover the {$480.00} phone, and I have never bounced a check in my more than 40 years of writing checks. I've had this current checking account for 20+ years. 

TeleCheck said they denied my check because they had no record of my checks. I've written several checks a month on this account for the past 20 years! The fact that they have no record of my checks is NOT my fault... it is the fault of TeleCheck. What more do I need to do than write several checks a month for XXXX years???!!! 

So TeleCheck thru their own incompentence failed to track my checks, and is now depriving me as a consumer the ability to make purchases at companies that use their service. 

( TeleCheck Case # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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 reporting act the following companies have violated my rights 1. XXXX XXXX XXXX XXXX account # XXXX 2. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX 4. XXXX 's account # XXXX XXXX. XXXXXX/XX/XXXX account # XXXX XXXX. XX/XX/XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX 8. XXXX XXXX account # XXXX 9.XX/XX/XXXXt # XXXX 10.XX/XX/XXXX account # XXXX 11. XXXX XXXX XXXX account # XXXX 12. XXXX XXXX account # XXXX 13. XX/XX/XXXX account # XXXX 14. XXXX XXXX account # XXXX 15. XXXX XXXXXX/XX/XXXX account # XXXX 16. XXXXXX/XX/XXXX account # XXXX 17.XX/XX/XXXX account # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions The last 4 digits of my SSN is 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