BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX Balance : {$85.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX OF XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/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 2023-08-23
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told Experian, XXXX, and XXXX to reinvestigate these accounts payment history and remaining balance : Account name : Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate and has been verified. But how is that possible if the open date, date of last activity and much more is incorrect. The accounts has been paid in full since XXXX of 2022. Never missed a payment. I requested documentation ( transactions history, balance sheet ) I was never provided with the requested documents. The information is inaccurate and preventing me from obtaining new employment. If documents are not sent to me or information is not corrected. My next dispute will be for montary compensation of my expected salary. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 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. 

3 of my federal rights are being violated by the major bureaus.

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 2023-11-16
Company: Credit Karma, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Credit Karma closed my account. The account was hacked and address changed on it. They won't send my money to me because they allowed it to get hacked. They kept letting it happen. All I want is the money sent to the original address that was on the account. They keep not sending it to me. It's been four months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Credit bureaus keep putting info on y credit and its past the 30 day period of debt on my credit. I sent proof That i lived in Florida. I submitted several report to credit bureau. I need this removed its hurting my degree. pleaseSubject : Request for Removal of Debt from Credit Report I am writing to bring to your attention a matter concerning an outstanding debt listed on my credit report, which I believe requires immediate resolution in accordance with consumer protection laws. 

According to the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection legislation, it is my understanding that debt collectors are required to provide proof of a debt within a reasonable period upon request. If a debt collector fails to provide this proof within the designated timeframe, it may result in the obligation to remove the debt from my credit report. 

As per my records and the information available to me, the debt in question has been on my credit report for a period exceeding 30 days. Despite multiple attempts to obtain proper validation of this debt, no satisfactory evidence has been provided to support its accuracy and legitimacy. 

I hereby formally request that you promptly provide me with complete and comprehensive documentation validating the existence and validity of this debt. This documentation should include details such as the original creditor 's name, the account number, the amount owed, and any other pertinent information necessary to verify the legitimacy of the debt. 

Please be advised that failure to provide the requested proof within [ a reasonable period, e.g., 30 days ] will result in the expectation that you remove this debt from my credit report as per the provisions of applicable consumer protection laws. I also reserve the right to pursue any legal remedies available to me should you fail to comply with this request. 

I kindly request that all future communication regarding this matter be in writing to ensure accurate documentation and a clear record of our interactions. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution in compliance with the applicable laws and regulations. 

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 2023-01-19
Company: EQUIFAX, 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:
This child support was opened up fraudulently there's no stamp for court use there's no signatures and it's not notarized it's illegal and it says right to a state hearing through judicial but it's only a temporary judge and it says as of XX/XX/XXXX I owe and the other one says XX/XX/XXXX no signatures it shouldn't be on my credit report it's illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: MN
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:
The following credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 , Attorney General Child Support XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: E*TRADE BANK
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
ETRADE BANK I have had a 5 year CD ( earning less than {$2.00} a year ) that I have been trying to close for 15 years. Each time they never respond until the 7 day grace period is over and then insist on such a hefty fee, I have just left it. 

This year I was determined to close it on it's maturity date of XX/XX/2022. I spoke in XXXX to a helpful customer service person who instructed me on the form I was supposed to complete and upload. I did that on XX/XX/XXXX. The file said 'in progress ' for weeks and finally a few days before maturity, I waited 47 minutes online in the middle of the night to get through to customer service. I talked to a helpful woman named XXXX XXXX who informed me they were waiting for me to upload my ID. No one had told me this, though it had been sitting 'in progress ' for a month. 

I uploaded my ID. Three days after maturity, still nothing. I waited now 88 minutes on hold and talked to another helpful customer service person named XXXX XXXX supposedly brought it to one of his superiors who said it would be paid out within 5 business days after maturity. 

It has now been nine days since maturity and there is no movement whatsoever on the account. 

Please check the complaints on their XXXX book for similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

HERE ARE SOME ACCOUNT NAMES AND # 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 : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX XXXXXXXX : XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2023-03-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
File a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: VA
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Diverse Funding Associates LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 this info was posted on my Credit report, Potentially Negative Major Derogatory is collection Yes, Open Date XX/XX/2020 payment status Grid Code G ( collections ) XX/XX/2020 amount {$1200.00} from XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX or XXXX XXXX XXXX XXXXXXXX XXXX XXXX Validation of debt transfer was not confirmed? Where is this debt coming from? Companies involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  and XXXX and XXXX? us/dnf-associates-LLC.html   Foreign Limited Liability Company XXXX XXXX XXXX XXXX Ny XXXX , XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX and XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX XXXX XXXX XXXX. Last I hope these people didn't send the US Marshals to my house, with AKs and guns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
Im writing to you because the XXXX major credit reporting agency are reporting inaccuracies information on my credit report XXXX, XXXX and TransUnion. This account was deleted from my credit profile and was reinserted, Section 611, states I was to be notified in XXXX business days of this account being reinserted back onto my credit profile and also according to the FRCA all XXXX credit reporting agencies must have the same information. 

I also opening up a new dispute on XX/XX/2023 and got a response back in XXXX  days that the item was verified as mines. It take an investigation XXXX days. So I'm assuming they never investigated the account. I stated in my dispute please provide all statements showing the exact past due any miss payments and the exact date this account became negative. 

I tired to filed another dispute with TransUnion and XXXX received a documents saying I can't opening another dispute according to the FCRA as a consumer you can dispute any reporting inaccurate information reporting on your credit profile. Below is the account in question. 

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 2023-01-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to login into my Experian account. Iv tried on multiple occasions and it keeps saying my password is wrong. I have tried to reset it but it is now locked and Im told to call the customer service number!

Unfortunately you can only talk to a voice activated rep on the phone and not an actual person!

It does not give an option to unlock my 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 2023-03-29
Company: EQUIFAX, INC.
State: CA
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 was an authorised user on a my friend 's XXXX credit card from XX/XX/XXXX to XX/XX/XXXX, with account number ending in XXXX. 
Again, I was an authorized user, not legally responsible for account in addition to having no involvement or access in ensuring the payments were made on time. 

I disputed with three Credit reporting agencies as soon as I was removed as Authorised User. XXXX and XXXX deleted the account immediately but Equifax is still reporting the history of the card up until I'm removed. 

I contacted XXXX and they said they have a policy according to which they will continue to report the history for the time period I was Authorised user which I believe is a violation of law because they are reporting an account that I'm not legally responsible for repayment. Authorised user agreement states that, I as an authorised user is not responsible to repay the card even if I used it, which means I an not legally responsible for the account repayment and it can not be reported in my credit reports, hence the violation from XXXX, according to FCRA. 

Now Equifax is classifying me as a primary card holder rather than an authorised user for the time period its reported. I don't know if XXXX is inaccurately reporting it that way or equifax is misinterpreting what's reported by XXXX. In any case, I think that misclassification is preventing equifax from removing this account from my report like XXXX and XXXX promptly did. 

My dispute with equifax clearly states that I am not legally responsible for this account but they failed to investigate this properly and thus EQUIFAX is in violation from according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint today to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX  Balance Owed : {$55.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX Balance Owed : {$74000.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and XXXX XXXX XXXX. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have been disputing an account that is unlawfully on my consumer report with TransUnion, XXXX XXXX XXXX 

They have refuse to even acknowledge the issue with my request and continue to send me cookie cutter dispute responses that doesn't address the issue. 

The request was for a Child Support account to be removed as the name does not match my legal name ( My legal name is XXXX XXXX XXXX and they are reporting it on my account as XXXX XXXX XXXX ) and the account should be removed due to it not meeting FCRA requirements. 

I also disputed this with the child support agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they have now closed this account due to their error yet the it still appears on my report. 

I am demanding this account be removed as it is inaccurate and effecting my creditworthiness and not allowing me to obtain much needed business credit to improve my families situation. 

Attached is a letter from them proving that this account is now closed and it clearly still shows my legal name being in error which is an FCRA violation and should be removed from report for good. 

I am ready to take legal action if the request remedy does not take place as this is a direction violation of my rights. 


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