BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My credit report through Transunion dropped by XXXX points. No explanation given by the reporting agency. My balances have decreased on all my credit cards. My XXXX  credit report has gone up. Transunion can not give me an explanation other than my credit cards are over 30 % utilization, which I have been bringing down. There are no derogatory remarks on my credit report. With a drop of XXXX points this could hurt my credit which I have been trying diligently to keep in good standings. Please 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 explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: PA
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 submitted and disputed inquiry from XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Federal Government XXXX XXXX XXXX XXXX XXXX, TX, XXXX ( XXXX ) XXXX I never applied or give permission to use or run my credit. I dont know wht this company is for or why they have my credit information. i filed a police report in XX/XX/XXXX with the XXXX district # XXXX for someone using my name and ssn for unemployment. I also placed a fraud alert on my credit reporton XX/XX/XXXX. Experian said inquiry will remain on my report for 2 year. and i dont understand how when i give them the required information that I'm a victim of identity theft.

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 2023-06-05
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:
This is my fo14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

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 2020-04-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX at approximately XXXX I reached out to Citi Credit Card. Made a payment to get my card under balance. The reason my card was over was negligence on the banks part of moving money and locking it up for 7-21 days from my checking to my credit card which was unauthorized and has been proven as per documentation submitted to this site previously. Earlier this year I was told that based on their error the account was suspended and that the credit card could not be used at all. So I cut it up, but still worked toward cleaning up the account. Later I was told that the other person shouldnt have told me that and that the card would be usable wants the investigation etc was complete, and the card was under the balance. I called today when the account was below balance and requested a card. I was told that I had to call the credit bureau and add my phone number to the account. The lady giving me this information couldnt tell me why I had to call or which credit bureau. I had to dig in to get why and which bureau to calm. As a best practice I informed her that I was recording. She went wild telling me their recording too and yelling back at me. Very unprofessional. In short. The credit bureau already had my phone number on file. No one wants to send me a card. I took the freeze off my credit in case that was the problem, but nothing. These people made some really bad mistakes and now when I call they do everything they can to send me in circles never really helping 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 2018-09-14
Company: Diversified Consultants, 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: Account status incorrect

Complaint:
I recent had a n alert on my credit file that I had a collection account for Diversified Consultants. This was for an old XXXX bill for an old address that was suppose to have been cancelled. XXXX failed to cancel the service in XX/XX/2017 when i requested due to my family and I moving out of state for work. 

I just received another promotion at work and will be moving again, so instead of arguing over the old bill, i paid it after being assured that this would be taken off of my credit reports. I made the payment about a week ago and was told it would take 4-5 for the account to be removed from collections. Well today the account updated as paid, so I contacted XXXX again in reference to the collection account they sent to Diversified Consultants. I was again assure that this would be removed from my credit reports if I called up Diversified Consultants directly. 

I called Diversified Consultants and the rep told me that they will not remove the collection account, they will only update it. So after some back and fourth, I am back at square one. I have paid a bill that i should not have, because I did not owe it, however wanted it off my credit reports so I paid it anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions 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:
XXXX without my knowledge or consent falsely accessed my experian credit report info on XX/XX/XXXX  and this is fraud. 
I never had any contact or did anything to inquire or apply for anything with XXXX  or car loan or purchase. this is fraud

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 2023-02-21
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit IMPACT RECEIVABLES M XXXX XX/XX/2017 {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: ERC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 



Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297.  Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CBC Companies, Inc.
State: LA
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:
On my credit reports via Factual Data they have ONE DEBT " XXXX XXXX '' listed three times. One ( # XXXX ) as " Paid and Closed '' and two others ( # XXXX & # XXXX ) as late. That account was only one account and was also discharged in bankruptcy. That company doesnt even exist anymore so I am not sure who is reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
Trans Union has not removed an account from my report as XXXX has. 

EVIDENCE : Recent changes We found 6 changes to your XXXX credit report XXXX Credit score XXXX points since XX/XX/2023 Delinquent Payment XXXX XXXX XXXX XXXX account has become Charged Off Between XX/XX/2023 and XXXX XXXX, XXXX  your XXXX XXXX XXXX XXXX account status changed from " 60 Days Late '' to " Charged Off ''. During this period, you made 0 out of 2 payments on time. 

A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
Balance Increased XXXX XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XXXX XXXXXXXX XXXX, your XXXX XXXX XXXX XXXX account balance increased by {$270.00} from {$6400.00} to {$6700.00}. 

It looks like your balance went up. Your total debt typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXX XXXX XXXX, XXXX account balance decreased Account Closed XXXX XXXX XXXX XXXX account was closed Between XX/XX/2023 and XXXX XXXXXXXX XXXX, your XXXX XXXX XXXX XXXX  account appears to have been closed. 

Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. 
Account Information Changed Remark code added to XXXX XXXX XXXX XXXX account Remark code removed from XXXX XXXX XXXX XXXX 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 2021-04-15
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm in a payment plan of {$50.00} a month on file # XXXX held by Midland Credit Management. On XX/XX/2021 I logged onto their online location and followed their login procedure ( requires you to enter file number which is listed above ) and the XXXX proof 4 step process not to be sarcastic just to point out that you can't make 2 payments at once you have to go through the login procedure and 4 step process each time. On XX/XX/2021 I noticed they withdrew 2 payments of {$50.00} each. I immediately reached out to them and they claim they have no record of that file number ( by the way I just made my monthly payment minutes ago to that very file number ). I have contacted them several times now and they just give me the run around, both payments appear on my bank account as going per ETC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
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: Account status incorrect

Complaint:
XXXX XXXX has been paid in full and Equifax has the acct status showing as negative in red, paid charge off and has a recent date so it looks like the debt was recently charged off ... The acct status before I submitted a dispute was previously showing paid charge off ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 



Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a  legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Personal information incorrect

Complaint:
The following information was sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail while providing any documentation, ie DL This has caused hardship on my household. 
My information is constantly on the XXXX web, I'm alerted every week about how a new inquiry for a new account ( credit, car, house ) in my old name and addresses. My name has been different for over a year, and all the other names on my account are either misspellings or haven't been my name for over 20 years.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
The debt/item in question belongs to a family member with the same name and address. I have filed multiple disputes directly with all XXXX credit bureaus and XXXX refuses to investigate and correct the incorrect information returning with " Completed investigation of FCRA dispute - consumer disagrees ''. XXXX and XXXX have already corrected the mistake. The collection agency directly is not responding mailed letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: VA
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:
Several accounts are being reported with incorrect dates on my credit report. Many inconsistencies in reporting across the 3 bureaus. 

upstart XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 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 2022-03-04
Company: MECHANICS BANK
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I got approved for the card paid my {$200.00} deposit and week later I magically got denied! Im a single parent who work hard for his money and want my {$200.00} deposit back this is a scam and not fair that stated I was approved then later denied once they took and stole my 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
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is reporting a account on my credit report that is not mine. the amount is {$12000.00}. I have contacted Transunion and the will not investigate and show me what they received from the investigation. 
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 2019-06-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Unauthorized and unverified accounts appear on 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 2019-06-19
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: Account information incorrect

Complaint:
Unauthorized and unverified accounts appear on 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