BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/1972 Balance : {$4800.00}

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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently filed a dispute with Transunion regarding unauthorized inquiries on my report. TransUnion did not do a proper and thorough investigation. I was sent a letter stating I had to contact the companies myself. I have contacted the companies and was told to contact the credit Bureaus. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/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 explanation
Consumer complaint received 2020-12-16
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-06-28
Company: Continental Finance Company, LLC
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Ive had this credit card for 5yrs with a {$500.00} limit and have never been offered a credit line increase. I called customer service on XX/XX/19 to inquire about an increase. The rep told me I was eligible for an increase and proceeded to ask for my income. I advised that my monthly income was {$6600.00}. He then told me that unfortunately my debt to income ratio did not meet their guidelines. I find that hard to believe considering that my credit cards are paid off and Ive never been late on my car and mortgage payments. I called back to speak with a different rep who advised that I have more income going out than I have coming in. IMPOSSIBLE! Im sure the first rep must have entered my income incorrectly. The 2nd rep told me theres nothing she can do and that I would receive a letter in 5-10 business days. I have credit cards with {$3000.00} credit limits with no problem, but all this company can offer me is {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed my credit score went down significantly at the end of XXXX and beginning XXXX. I called XXXX in XX/XX/XXXX, was informed they could see in the system my payments in XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I asked if they received my payment why their system reported to the credit. Bureau 3 x 30 late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX. They said they would send update to credit bureaus to clear but would take 30-60 days. I called back in XXXX and went through the same thing again. I am so frustrated 8 months later still my credit shows 3x30 days late when XXXX XXXX on XXXX occasions have confirmed I was not late. 

I also contacted each credit bureau online multiple times and still not removed from the credit bureaus. 

How do I fix this? As a consumer I feel totally unable to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$10000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$110.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After several complaints against XXXX XXXX XXXX for reporting inaccurate information on my credit report. I am submitting another complaint of this company blatantly breaking the law at this point. My rights under the fair credit reporting act are being disregarded by the credit reporting agencies as well! Specifically Experian! Month after month they continue to break the law by not removing inaccurate information. There was an auto loan that was charged off. They sent the account to XXXX XXXX XXXX collection agency. Account number XXXX. On XX/XX/23 I settled the account in full for {$4300.00}. XXXX is reporting the account to Experian that I only paid {$1700.00} as of XX/XX/23. Ive spoken on the phone to XXXX XXXX and they even have it in their system as being settled for less in the amount of {$4300.00}. So why are they reporting inaccurate information to Experian, XXXX, and XXXX? I want the XXXX  to hold them accountable and remove this information immediately. All the proof is there and at this point its clear to see there is something not right happening behind the scenes that needs to be corrected immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2018-05-15
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Systems, amount of {$7100.00}. Once again National Credit Systems has not responded to my debt validation that was sent to them also they have reported this account to all three of my credit reporting agency which is a violation of the FDCPA, FCRA and possible Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: OH
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 15th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2020-10-02
Company: Comerica
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I was set to receive my social secruity benefits onto a DirectExpress debit mastercard.. This month on XX/XX/2020 I did not recieve my benefits onto the card the Social Security office sent out my payment but Im unable to get a live person at DirectExpress to apeak to about my account or to even have this specific debit card closed and to open a new one. I have tried every department I can think to help me on this and there isn't anyone because Im unable to get a live person at Direct Deposit. If possible Id like to close the account on the debit card XXXX and have another card sent to me with my benifits on it. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
Please see attached documents, I have disputed two errors with Equifax EIGHT times, starting XXXX XXXX XXXX. They have been unable to verify the information that is CLEARLY their error and they will not respond to any of my disputes with method of verification. 
This is not only an FCRA VIOLATION, but I can take legal action and I will if these are not corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NC
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: Equity Sales Finance, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed 3 inquirys on my report with : 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 That I did not submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you

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 2018-07-08
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yes I recently disputed some accounts on my credit report that were Verified as accurate and I don't believe this to be so, A debt by CMRE Financial on XX/XX/17 was placed for collection and I do not take ownership for this debt can you please do a real investigation that the credit bureaus claims they did already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Bridgecrest Acceptance Corporation
State: NY
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

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 2023-09-28
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a New York & Company Runway Rewards Credit Card in XX/XX/XXXX with Comenity Bank. This card is issued for exclusive use with the New York & Company store. I have never upgraded this card to any other type of credit account. I have always received Runway Rewards  Credit Card statements. On XX/XX/XXXX, I begin receiving Comenity Bank Mastercard statements for this same account ( the last four digits of the account were displayed correctly ). I received these Comenity Bank Mastercard statements on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also received the monthly Runway Rewards Credit Card statements from Comenity Bank and Bread Financial on XX/XX/XXXX and XX/XX/XXXX. I have attached copies of all of the above as evidence. I have never applied to Bread Financial. On XX/XX/XXXX, I contacted Comenity Bank customer service. I stated to them that I was receiving Mastercard statements and provided the dates and Comenity Bank email address. I confirmed that I had not applied for or authorized a Mastercard upgrade. Comenity Bank confirmed the email address was their valid email, confirmed that my account was showing as a Runway Rewards account, and that they no longer offered a Mastercard. The rep stated she spoke with a supervisor regarding this issue and stated there was nothing they could do. Instead of researching this matter to resolve it, as I insisted for them to do, Comenity suggested I try to resolve this issue with another department. I ended that call, called Comenity bank again and was transferred to what I believe was their " fraud '' department. This department confirmed my Runway account and recommended that I contact their customer service department. At this point, Comenity bank has refused to take responsibility for this issue, refused to do a thorough investigation, and could not confirm that I would not continue to receive Mastercard statements. They also stated that they " didn't believe '' this account was being reported to the credit bureau as a Mastercard. On XX/XX/XXXX, I contacted Mastercard and provided this information. Mastercard indicated that I needed to speak with Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation