BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter last XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXXXXXX XXXX XXXX Balance : {$170.00}, XXXX XXXX Balance : {$100.00}, XXXX XXXX Balance : {$67.00}, XXXX XXXX Balance : {$5600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$650.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX : {$1700.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00}, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
www.uscollectionswest.com The U.S. Centers for Disease Control and Prevention ( CDC ), at the direction of the President, filed an Order in the Federal Register to temporarily halt residential evictions to prevent the further spread of COVID-19. The Order, which went into effect on XX/XX/XXXX, temporarily bars evictions of certain qualified renters in residential housing until XX/XX/2020. 

These people are collecting a debt incurred during the pandemic and ignored all of the laws in place at the time.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've contacted XXXX via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested

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 2022-06-16
Company: CORELOGIC INC
State: PR
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:
In my credit report I have several inquiries which I did not make and I do not agree affect my credit score which have directly affected me.

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 2019-11-24
Company: SYNCHRONY FINANCIAL
State: MA
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:
This is very very clear that this report is incorrect. The only late remark present is a single LATE 30 DAYS then after that a CHARGED-OFF remark. I believe it will not be hard to remove this account.

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 2023-04-27
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; ( Original Creditor : XXXX ) XXXX Balance : {$1100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
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: Their investigation did not fix an error on your report

Complaint:
I am writing again in regards to the inaccurate and unknown items on my credit report. It has been over 30 days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$310.00} XX/XX/XXXXXXXX Balance : {$17000.00}XX/XX/XXXXXXXX Balance : {$310.00} XX/XX/XXXXXXXX Balance : {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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:
TRANSUNION IS ILLEGALLY REPORTING THE ACCOUNT LISTED BELOW TO MY CONSUMER REPORT. THEY ARE DOING SO BY BREAKING THE LAWS LISTED BELOW THE ACCOUNTS LISTED. 

XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$11000.00} - - -No Data XXXXXXXX XXXX XXXX XXXXXXXX {$7100.00} - - -No Data XXXX XXXXXXXX XXXX XXXX {$1500.00} TRANSUNION IS IN VIOLATION OF MULTIPLE LAWS AND THERE SUBSECTIONS. HERE ARE THE LAWS 15 USC 1681b- Permissible Purpose of consumer reports- REQUIRES WRITTEN PERMISSION BY ME THE CONSUMER TO REPORT ANY INFORMATION TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures 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.

15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) The banking system is dependent upon fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Aggravated Identity Theft per 18USC 1028

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 2021-05-07
Company: EQUIFAX, INC.
State: ID
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:
Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account shows a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. Also, Equifax and XXXX  are not investigating this negative account reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of this account and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows this account as not in dispute, when this account is in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review this account however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: CA
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 just recently reviewed my profile and Im very upset to the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determined my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirmed that your information posted in my file are correct? I never received any notice from these companies that my dispute is truly mine or correct? As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 
XXXXXXXX XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$1600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I disputed a transaction from XXXX in the amount of {$100.00}. This has been the second month XXXX had taken money out of my account without my authorization. On XX/XX/XXXX I disputed a second charge with XXXX in the amount of {$81.00}. I put a complete block on XXXX. I made both disputes by telephone and was told by Bank of America that I would receive a temporary credit for both. I had obviously contacted the merchant regarding this and there have been ongoing complaints. BofA credited the {$81.00} but failed to credit the {$100.00}. I called numerous times to explain that I have a XXXX child, and I have to budget. 
XXXX located the transaction of {$81.00} and they refunded it. Upon them refunding it, I callled BofA to tell them this and to cancel that claim. They had put the claims together. on XXXX, BofA took back their temp credit of {$81.00}. I was still yet to receive the {$100.00} and had to escalate it several times. On XX/XX/XXXX, they finally gave the {$100.00} but i noticed that they had taken {$81.00} again. Upon calling them and waiting almost an hour on hold, I had to endure an advisor who couldn't grasp the concept that the temporary credit had been debited from my account twice. She tried to say that the claim had been reduced because the merchant credited the account. That does not justify why BofA took a credit that they provided of {$81.00} back twice. They did not provide me with two credits and the merchant credited it because it should not have been taken in the first place. She seemed to be confused and not know the difference between a merchant credit ( of money that shouldn't have been taken in the first place ) Bank of America provided one temp credit of {$81.00} and debited that same amount twice. This has left me in severe financial hardship and they are telling me that I have to wait to get the money back that they took in error.

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 2022-12-07
Company: EQUIFAX, INC.
State: TN
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: AR
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:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as XXXX XXXX and validation was requested in the form of an dispute on XX/XX/2023 as this was an account that I did not recognize. I received a dispute result from Experian today, ( XX/XX/2023 ) saying the account was verified, I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2023-04-27
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX  XXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My XXXX  XXXX card was closed 2 years ago and written off. I have been receiving credit drops, because XXXX XXXX sells the account to PORTFOLIO RECOVERY. XXXX  XXXX sold it for collections XX/XX/2020. I have zero knowledge of this report and it has dropped my points tremendously, Ive tried contacting the PORTFOLIO RECOVERY, but its takes weeks to get an response. Im hoping you can get this removed off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX an ATM withdrawal was done without my ATM, {$500.00} Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX same Cash Withdrawal XX/XX/03 XXXX # XXXX {$300.00} Non Citi ATM XXXX XXXX XXXX I went to Citibank branch to file a claim and to have my atm replaced. Only few days later, I got a letter stating that both transactions were good. I filed a police report and went back to the branch, to show police report and to ask for evidence to come up with that decision, I have not use my ATM and those were not my transactions. Citibank should be responsible for this fraud. 

What proof do you have it was not fraud? 

I am asserting my rights under the Electronic Fund Transfer Act which says I can not be held liable for more than XXXX dollars. Are they intending to violate this act by not returning the lost money you are not liable for?

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