BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: MD
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:
I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Experian : XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: SC
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:
Some weeks, past, I received my motor vehicle insurance bill ; with a notice of rate increase related to an Experian credit report. The notice indicated that I am entitled to a free copy of that report within 60 days of the date of that notice letter, XX/XX/2017. 

Today, I called the phone number provided for Experian, XXXX, which is wholly automated ; and, my responses to the prompts resulted in the stated order of my credit report to be received in 8-10 working days, by mail. That was not my intention ; and, this report will likely count against the one free annual report to which I am entitled. 

This company provides no means for live communication, and should be put out of business without remedy of this matter.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/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 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On my credit report, 3 are in adverse state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2023-11-11
Company: Resurgent Capital Services L.P.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This account appeared back in XXXX  there about it was XXXX XXXX and I did. It open this account it was fraud from the start. It was to be removed the first time it was investigated, I provided police reports and all it was not they sold it to someone and they continue to keep it on there almost acting as if its a new account XXXX something yrs later. So long that the original opening date no longer shows. They continues to call and email and report im a bad payer to this account. It has caused me several credit opportunities because its a simple store to have paid and it looks as if I dont so lenders and creditors reject me if I cant pay that little bill why would I pay theres but its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Regrading this account XXXX XXXX XXXX XXXX. I believe that I may had been 28 days in XX/XX/2018 but not 30 days late. In regards to XXXXXXXXCAPTIAL ONE XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to XXXX XXXX. I may have been 29 days late inXX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, 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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions 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:
This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES

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 2020-08-11
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
The XXXX XXXX XXXX is a credit collection company that represent the American Express to collect an alleged account that was previously reported to American Express. A previous letter was sent out to American Express inquired viable evidence or documents that bears my signature that to provide accurate reporting. The alleged reported claim was first reported by American Express of {$7500.00} and now the XXXX took over this alleged claim and charged off {$1100.00} and that was negatively reflected on my credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: FL
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:
Equifax, I am again filing this complaint as you never resolve the issue- I have filed complaints here - as well as called in - over and over and over - check the notes for my file. 

You lie to me saying you will resolve this - and have someone call me- and you never do. 

You also refuse to transfer me to a supervisor on the phone. 

I again called in at around XXXX XXXX XXXX 

I again asked to be transferred to a supervisor and was put on hold for over 30 minutes and no one answered back up. 

I am paying for your upgraded service - and not able to freeze or unfreeze or lock or unlock my file. 

Fix this immediately. 

I am paying for a service you are not providing me - and refuse to fix - even though I have contacted you over and over and over. 

Attached are my contact details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to formally dispute an unresolved issue regarding the investigation of a late payment dispute on my credit report. It has come to my attention that TransUnion has violated my rights by failing to conduct a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 
On XXXX, I submitted a dispute regarding a late payment entry on my credit report. As a responsible consumer, it is my right to ensure the accuracy and fairness of the information reflected in my credit history. I provided all the necessary supporting documents and requested a thorough investigation into the matter. 
Despite my efforts and your obligation under the FCRA, I have not received a satisfactory response to my dispute. The lack of a comprehensive investigation is not only a violation of my rights but also undermines the integrity of the credit reporting system. 
I kindly request that you rectify this situation immediately by conducting a diligent and unbiased investigation into the disputed late payment entry. I expect a prompt response detailing the actions taken and the outcome of the investigation. Additionally, I request the removal of any inaccurate or unverified information from my credit report, as per my rights granted by the FCRA. 
Please be aware that, as a consumer, I am well aware of my rights under federal law. If my concerns are not addressed adequately within [ 30 days from the date of this letter ], I will be left with no choice but to escalate this matter further, which may involve filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies available to me. 
I trust that TransUnion will take this matter seriously and handle it with the utmost urgency. Your cooperation in resolving this dispute promptly will be greatly appreciated. 
Thank you for your immediate attention to this matter.

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 2020-08-11
Company: Aspen National Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I own a XXXX timeshare at XXXX XXXX in XXXX XXXX   XXXX in PA. I have owned this timeshare for over 20 years. The annual maintenance fees have steadily risen and differ from year to year. I always pay my annual dues and have generally enjoyed traveling with my timeshare. This year I never received a bill for the timeshare maintenance fees. Instead I received a notice from a 3rd party collection company with an added fee of {$310.00}. I emailed XXXX and asked why I never received an invoice. The email reply from them advised me to call their office since their policy is not to discuss via email. When I called the XXXX office, they discovered that they had an old mailing address on file for me and that is why I did not receive the invoice. Note my XXXX address is the same address to which they sent the XXXX invoice the previous year - it has not changed. I asked XXXX to remove the {$310.00} collection fee ( since I never received the invoice ) and allow me to pay my bill. They said they could not and that I would need to call the XXXXXXXX XXXX and make the request to the general manager of the resort. When I called the XXXX XXXX I was told that they would not negate the {$310.00} fee and that I needed to settle everything thru the collections company, Aspen National Collections. I called Aspen and of course, they want me to pay them the timeshare maintenance fee plus the {$310.00} collection fee. I am asking for XXXX XXXX XXXX ( XXXX ) to pull this account from collections and allow me to pay my bill without penalty. This is an unfair practice to penalize me when I did not get a bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XXXX XXXX XXXX  request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. 

I have one name : XXXX XXXX I have one address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 

I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. There are still 23 addresses that do not belong to me. Please remove all addresses except for the address listed on my ID. 

Also, the following items are disputed and I am requesting verification of the steps taken to validate the following debts : Who you spoke to? Where did you go to validate the debt? Provide a copy of the original debt with my wet ink signature signed with the actual reporting agency? A detailed accounting showing how the account made their determination from the day the account was established? Documentation to show these transactions were indeed made by me not a transferred security? Please provide original documents not verification from E-Oscar with is a violation of my FCRA rights. I am also a victim of identity theft and have a right to remove inaccurate accounts. 

XXXX is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. XXXX is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file. 

The following accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no co applicant. Im not married. 

Please update my info to the one address on my ID. 

All addresses

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 about 2 issues with Transunion not having my writing instruction to report items on my consumer report & Tranunion reporting incorrect information on my consumer report. 

This section is very clear that Transunion must have my written instruction. And they dont have my instruction to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  on my credit 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Secondly, Transunion is reporting XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX on my consumer report as Charge off 's after they file 1099C. Charge off is defined as Gross Income by IRS. And they have already received income from IRS for the alleged debt. And income is not suppose to be reporting on my consumer reports.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On the XXXX XX/XX/XXXX, I contact XXXX XXXX  to information of a change in my bank account information. During this call I also provided XXXX XXXX  my new account information for payment processing. 

On XX/XX/XXXX, I formally disputed the accuracy of the information that is being reported on my credit report. I kindly requested that they investigate these matters and correct the erroneous information as soon as possible with no response. 

The disputed information is as follows : -30 Day late payment XX/XX/XXXX XXXX30 Day late payment XX/XX/XXXX On XX/XX/XXXX, I wrote XXXX XXXX  informing them of the inaccuracies reported in my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: Dynamic Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a letter about an alleged debt for the amount of {$960.00} dated XX/XX/2021. I then began to receive phone calls about the alleged debt. The phone calls were rude they used obscene and profane language, the people I spoke to were combative didn't allow me to finish my sentences, they talked over me, didn't answer my questions, they asked me to confirm information they had about me that I didn't give them permission to have. at this point I felt harassed so after they called the second time I called them back and told them they no longer have permission to contact me by phone and all communication must be made through mail. I examined the letter and found a bunch of violations according to the fair debt collection practices act. I responded to the letter I received with an affidavit within that affidavit I listed all the violations I found with labeled exhibits. I had my documents notarized and sent them XX/XX/2021 via mail. it has been over 30 days and I haven't received a response to my affidavit or invoice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting 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:
Someone used my information XX/XX/2023 to apply for a MACY'S/CITIBANK credit card in my name. I did not give anyone permission to apply for any credit. I did not give anyone permission to use me as a cosigner. My credit score was so low ( XXXX ). I knew I would have never been able to get a credit card. Let alone a MACY 'S credit card.

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