BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXXXXXX  I wrote a letter to Transunion stating that I had been a victim of identity theft and there tradelines and inquiries on my consumer report that I didn't authorize. 

On XX/XX/XXXXXXXX  they sent me a letter stating that my request that my request to block and delete the unauthorized accounts & inquiries due to the following reasons : In accordance with Section 605B of the FCRA, we have determined that your request has either a ) been made in error ; b ) is a misrepresentation of material fact relevantt o the request toblock and/or c ) you have obtained possession of goods, services or money as a result of thetransaction issue. 


My request to block and delete those unauthorized accounts & inquiries was not made in error. The request was written by me and it wasn't done in error nor was it a material representation. Nor did I obtain goods, services or money as a result of the transaction issue. 

If I did received goods, services or money as a result of this transaction issue please have a senior executive or someone with who has first hand knowledge of this transaction issue to certify under the penalty of perjury that I have in fact receive goods, services or money from this transactions. 

If you can not then it is hearsay and allegation with no substantial proof. 

Also pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) my consumer report is not supposed to include any transactions between the consumer and the creditor furnishing the report. And also pursuant to 15 USC 1681a ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; IS NOT SUPPOSED TO BE INCLUDED IN A CONSUMER REPORT! You are commiting fraud and breaking Federal LAW! NOR DID I GIVE YOU A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT FOR ME. THAT IS FRAUD! 

The following unauthorized accounts have been identified on my credit report : 1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF WE CAN NOT COME TO A REASONABLE EQUITABLE SOLUTION TO I, THE CONSUMER THEN I WILL BE FORCED TO TAKE LEGAL ACTIONS AGAINST THIS COMPANY WHICH WILL WOULD BE UNDOUBTEDLY UNADVANTAGEOUS FOR BOTH PARTIES GIVEN THE POTENTIAL COST FOR LEGAL PROCEEDINGS.

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 2023-01-20
Company: EQUIFAX, INC.
State: GA
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 writing to file a complaint regarding unauthorized entries on my credit report. Specifically, I have found that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my report and I did not authorize these companies to access my credit information. 

I have not had any business dealings with these companies and I am concerned that these entries XXXX be the result of identity theft or other fraudulent activity. I request that you immediately remove these unauthorized entries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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: Information belongs to someone else

Complaint:
Despite my ongoing efforts for months on end all three credit companies along with the XXXX collection company report negatively to a phone from the phone company who says a received a phone at my porch that never and is now 11 years since it happned. Fraud reports where filed and there should be no reason except extorsion on why these companies decide not to comply with currents FCRA laws that outile cleary the debt is old and should not be resold

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 2020-02-13
Company: Colony Brands, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Theres an account on my credit report that isnt mine, I need this account verified or deleted from my credit report. I want this company to provide me with the original contract bearing my signature, where it shows that I agreed to pay them anything. This account is now a charge off and it is affecting my credit really bad, I want the company to tell the credit bureaus to delete this account from my credit report. The balance on this account is {$43.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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: Information belongs to someone else

Complaint:
These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: WA
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:
Company : XXXX XXXX Account number : XXXX Account type : Secured Loan Date opened : XX/XX/XXXX Status : Account charged off. {$700.00} written off. {$350.00} past due as of XX/XX/XXXX. 

XXXX updated : XX/XX/XXXX Balance : {$400.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2021-04-03
Company: Green & Sons Agency, Inc.
State: UT
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:
Outsource Receivables is reporting an erroneous debt on my credit file and it must be removed. I have requested for validation multiple times and never got back. In my letter I stated for proof that they have any legal binding on me to pay them for this debt and I never heard back. I clearly stated that if this account is not validated to me it must be removed in 30 days. I do not need them to verify this debt to me, but to validate that I have some contractual binding me to pay them for this debt. Reporting invalidated information on credit could constitute fraud under both federal and state laws and I will not hesitate to bring legal action against you. I am also aware that during this time period I have 60 days to investigate the matter, while the matter is under investigation you may not report information on my credit file. If you continue to report any negative or derogatory information on my credit, I will file legal suite .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
There was charges on my account that I did not make and once I noticed them i immediately reported the charges to the Citi well almost two months later nothing has been done on my account. I call them on XX/XX/23 only to find out my claim was never done and this amount is still reflecting on my credi and my account even though they issued me new cards they never filed the claim

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 2023-06-28
Company: Experian Information Solutions 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:
XXXX XXXX sold my mortgage to XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX after they had sold the account XXXX sent the payment to XXXX. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX  who told me they had sold the account. Then I contacted XXXX at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to XXXX on time and a good faith letter from XXXXXXXX admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action.

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 2021-06-30
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX 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 2023-06-12
Company: EQUIFAX, 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 submitted multiple disputes to remove the following XXXX XXXX Accounts : XXXX XXXX XXXX XXXX These accounts have been charged off and I have not received any of the 1099 cancellations of debt forms. These accounts should be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: AR
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
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:
I sent a letter to Transunion To investigate inaccurate information in my credit report they said was verified accurate Showing that they are not investigating anything A a violation of the credit act Also isnt any signature from my in one of this contracts from acceptance now that I dont recognize. How is verified if is no signature XXXX  XXXX didnt provide this proof either And all this accounts dont match with the last date active In either of the credit bureau agencies There are many FCRA violations And Im tired of complaining and no solution No signature in contracts and how this is verified? 
Anybody could do that contract with acceptance now or XXXX XXXX This Bureaus are not investigating anything

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 2021-09-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am trying to refinance my mortgage to take advantage of lower rates. If I do that without this charge taken away Ill have to pay it, which would amount to robbery. Please help. 

My loan with XXXX was transferred to XXXX XXXX, XXXX, d/b/a " XXXX '' on XX/XX/XXXX, from JP Morgan Chase Bank XXXX Docs say XXXX is servicing, but when I asked if they were the owners, they said yes.?? 

Chase has been a problem as well. In XXXX I arranged with them to pay my HOA, XXXX XXXX, XXXX XXXX XXXX, XXXX AZ XXXX, dues through escrow. They paid them late several times. The HOA is NOT forgiving. I later took away the request for Chase to pay the HOA dues. 

When XXXX took over the loan, I noticed on the statement there was under Lender Paid Expenses a charge for " legal fees '' for {$790.00}. Totally clueless, I called XXXX and was told only that it was a charge from Chase that they had paid on my behalf and that I owed. I called Chase and got nothing. I sent them a letter on XX/XX/XXXX. I got a letter reply a couple months later that basically said they were working on it. Nothing since. Then, XXXX happened. 

Until that is paid or dismissed they will not allow me to pay down the principal. There is no reason that Chase should have incurred any charge on my behalf and certainly not one that was kept secret and still hasn't been fully disclosed. 
It might have been the HOA filing because of late fees, which they paid late several times. 

Or, it might have to do with the escrow account. I had a problem once with them paying the yearly insurance twice and trying to up my monthly payment to cover it. 

How can Chase be forced to give me the details? I do not owe this charge and, since I didnt even know about it, I certainly never agreed. As the person being held responsible for the charge, BOTH parties ( whoever they are ) should be held accountable for not immediately notifying me of the situation ( whatever it was ). I need to get that charge taken off my account. If you need what docs I have, let me know ( statements, letters, notes ). Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ), here are the inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion, XXXX, and XXXX all report a partial account number as " XXXX. '' Account Type : TransUnion reports it as an " Open account. " XXXX reports it as an " INSTALLMENT '' account. 
XXXX reports it as an " Open Account. '' Account Type - Detail : TransUnion reports " Open account. " XXXX reports " Debt Buyer. '' XXXX reports " Open Account. '' Bureau Code : TransUnion and XXXX report " Individual account '' as the bureau code. XXXX reports " Individual Account '' as the bureau code. 
Account Status : TransUnion and XXXX report " XXXX '' as the account status. 
XXXX reports " OK '' as the account status. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : TransUnion, XXXX, and XXXX all report a date opened of " XX/XX/2023. '' Balance : TransUnion, XXXX, and XXXX all report a balance of " {$770.00}. '' No. of Months ( terms ) : XXXX reports " 1 Month '' as the term for this account. 
TransUnion and XXXX do not provide a term for this account. 
High Credit : TransUnion, XXXX, and XXXX all report a high credit of " {$770.00}. '' Credit Limit : None of the bureaus report a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account. 
Payment Status : XXXX reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
TransUnion and XXXX do not provide a payment status for this account. 
Last Reported : TransUnion, XXXX, and XXXX all report a " Last Reported '' date of " XX/XX/2023. '' Comments : There are comments indicating that the account is placed for collection. XXXX also includes a note about consumer disputes and reinvestigation in progress. XXXX does not provide comments. 
Date Last Active : TransUnion and XXXX report a " Date Last Active '' of " XX/XX/2023. " XXXX reports a " Date Last Active '' of " XX/XX/2023. '' Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : XXXX reports " CO '' ( charge-off ) for the month of XX/XX/2023, while XXXX reports " OK XXXX for all months. TransUnion does not provide a payment history for 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: Autovest, L.L.C.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a car financed thru first investors that got stolen and I was told I had a balance left. I had gap insurance and on my credit report it was charged off and paid in full. Then a company call Autovest.llc. Bought it and is trying to garnish my wages when I never had debt with them. I informed them it agains the law to do that but went to another county in oHio and went to court without me knowing with falsified paperwork and claim I owe them money.

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