BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly TransUnion has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you 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 2015-04-14
Company: Executive Financial Consultants, Inc
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Did not disclose communication was an attempt to collect a debt, I have no knowledge of it and it 's on my credit report? If it was debt it should have been handled by my lawyer because of a Auto Accident, that happened three years ago. Statue of limitations are way long gone for them to be attempting to get a medical bill paid from it. 

Why is this on my credit when the agency has n't even contacted me, and all the debt from this Auto accident has been settled already?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: ENOVA INTERNATIONAL, INC.
State: TX
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 explain to this company i had not inquired bout an application and this an unauthorized inquiry and i file a FTC theft number # XXXX but they failed to assit me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed the US DEPT ED along with the original creditor account DEPT ED XXXX  numerous of times ( XX/XX/2019, XX/XX/2019 and XX/XX/2019). Each time the credit bureaus said that they have verified the account as reporting 100 % accurate. I have shown proof from the original creditors that all aspects of the accounts are not reporting 100 % accurate like the FCRA requires. They are reporting the open date incorrectly

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 2016-12-16
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had filed several disputes to Equifax XXXX XXXX Department and to no avail I have gotten anywhere with them on ( XXXX ) accounts that are not mine I even took them to court in small clams and won judgement of {$1500.00} but they have yet to pay the court cost of {$58.00} which they said they would nor did they removed those ( XXXX ) accounts on my business credit report. Since then they have block my credit from creditors from pulling my credit to establish credit with a home mortgage loan, car, and even joining a monitor service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TranUnion and XXXX  are fraudulent on my accounts XXXX  XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXXXXXX XXXX  is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # 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 2022-01-29
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: Account information incorrect

Complaint:
I am disputing XXXX and Account numbers XXXX. XXXX XXXX. XXXX XXXX has re-aged this account. The current information is inaccurate and is reported as a later date from the date of first delinquency. Please 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 2020-11-17
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.

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 2020-08-17
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I noticed in XX/XX/20 while logging into pay my balance on my Victoria secrets credit card that I had 2 {$100.00} e gift card purchases on my account. I immediately called Victorias Secret and they closed my current credit card, issued me a be card and filed a fraud investigation. They sent me a new card and then I received a letter stating that they found no basis to support the fraudulent claim. I am receiving a credit card bill with the {$200.00} fraudulent amount. I have called them and they will not look any further into the situation. I have cancelled my new credit card with them as well as I am not comfortable with the way they handled their investigation. I did not make the purchases of the 2 e gift cards and do not feel I should have to pay for the fraudulent charges. Ive been a credit card customer of theirs for years and have never had any issues with them. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX XXXX, 2015, I obtained a credit report for myself from Experian. The report shows XXXX potentially negative items & XXXXaccounts in good standing. 

On the same day, using Experian website, I started a dispute to remove a comment on my XXXX accounts with XXXX XXXX XXXX. Those were closed mortgage accounts but with a " consumer dispute .... '' noted on the accounts. They were all good standing accounts but with JUST one late payment reported and of which I did not agree. 

On XXXX XXXX, 2015, Experian sent me an updated report # 1. On the report, XXXX of the XXXX XXXX XXXX account, is NOW showing 15 months of 30 days past due and 1 month of 60 month past due. I called Experian and talked to XXXX who told me he would look into the matter. 

On XXXX XXXX, 2015, I got updated report # 2 from Experian. The negative items with XXXX XXXX from report # 1 were gone. But a new 3 months of 30 days past due and an unknown item now reported with another XXXX XXXX XXXX account. 

On XXXX XXXX, 2015, I called Experian and talked to XXXX who did not seem to understand my concern of the matter. I requested to talk to her supervisor and was told that the supervisor was not available and would call me back within 72 hours of business day. 

With no further response from Experian, on XXXX XXXX, 2015 I sent the company a certified mail requesting correction on the mistakes. And on XXXX XXXX, 2015 Experian sent me an another report ( # XXXX ). But the report is not updated and still showing the same mistake. 

I believe that Experian is responsible for the mistake as everything was okay until I requested the company to remove a 'consumer dispute ' comment from the closed XXXX XXXX XXXX accounts. Then incorrect information on the XXXX XXXX accounts are starting to appear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After participating for a year to year and half in repayment, they informed me ONLY after that my payments were late. I asked how that could be when I requested my due date to be moved to the XXXX of the month. They kept it on the XXXX. When I complained to them about it they said they would check the tapes and call logs and get back to me. They never did follow up. It was then I had heard on the news that they were involved in a class action suit for bad loan practices. I instantly lost trust in them. I never once got any Amortization statement or Holder of Loans or Truth in Lending. No one on their end was being held accountable for how I got taken advantaged of. They only hounded me for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I went into a dealership with my own financing and XXXX XXXX XXXX finances my vehicle. However my credit was ran like 30 times by the car salesman and I did not give written consent for each individually company to do that. XXXX  XXXX XXXX XXXX appears on my transunion report 17 times all days apart amongst other auto finance companies whom I did not give consent. These inquiries appear as follows ; XXXX- XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They have been harassing me for two years. Over a {$250.00} medical bill from XXXX XXXX XXXX XXXX XXXX that I can not pay because I am XXXX. They have asked me questions/said comments such as where does your money come from? Cant you ask a family member or friend to pay it? How do you pay your bills if you are XXXX? Can you take out a loan or sell something of value? Thats just a few of the unlawful things they have said to me. 

They have called me up to 8 times a day sometimes, sometimes at XXXX, sometimes in the middle of the day, and sometimes late at night around XXXX. 

THE BIGGEST COMPLAINT : they have for the last 6-8 months removed the debt from my credit report and then move it to my husbands credit report ( which I NEVER gave them his info! ). Then they will take it off his and move it back to mine. MANY TIMES! I have proof of this! 

YOU HAVE TO STOP THEM! They are abusive and harassing and should be shut down. I have contacted the original biller at XXXX XXXX XXXX XXXX XXXX and they said they can not help me. 

PLEASE STOP THEM! They are ruining my credit and my husbands ( which they were NEVER GIVEN PERMISSION TO DO & I NEVER GAVE THEM HIS INFO! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, 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:
My identity and credit file has been modified and completely compromised without my knowledge nor consent. I'm in direct belief that my identity may have either came vulnerable via the dark web and/ or within the data breach. I'm demanding that the following unauthorized accounts be removed and blocked from my credit file after it's determined that these accounts are not mines. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.  XXXX XXXX/ XXXX XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXX {$610.00} 8.  XXXX XXXX XXXX {$590.00} 9. XXXX XXXX {$70.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$160.00} 12 ) XXXX XXXX XXXXXXXXt {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been disputing some items on my credit report consistently for almost a year now and I haven't received any results or response throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2022-02-21
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it 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 2017-08-06
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/XXXX and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$98.00} and I was never made aware of such debt in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XX/XX/2017 and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$150.00} and I was never made aware of such debt in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Netspend Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a NetSpend card in 2015 I made a purchase use an online casino games and I also have been trying to use the car to get my government benefits which is social security my social is XXXX several counts has been in my name and I think there are still active and I asked them why I can't activate a card and they do not tell me anything they tell me I just can't open a car anymore I never did nothing to make them not accept me for having a car I filed a identity theft I'm with the city of XXXX XXXX Police Department on XXXX XXXX and when I got my report it came back identity theft was Financial off to NetSpend cards and I was the victim

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 2016-01-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A letter was sent to Experian regarding XXXX and that the XX/XX/2015 payment was reported in error. They did not investigate fully or failed to change the reporting to reflect 30 day late. Another letter was sent regarding XXXX XXXX regarding incorrect information- lien placed on credit. The letters were not sent in my name and was not given an opportunity or notified to discuss account and amounts until a lien was place on credit. The report reflects XXXX, yet a very recent letter states XXXX for XXXX XXXX. I have been working very hard to keep credit in good standing. 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