BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/23 i received a copy of my credit report and seen i had some mistakes listed. i sent out 3 letters out to the credit bureaus stating there had wrong address listed. I have not heard or seen any results its been 30 days. I have not received anything in the mail or via email that it is even being investigated here is a copy of the letter as well as the tracking numbers to the certified mail.

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 2023-10-01
Company: American First Finance, Inc.
State: KS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
This is XXXX XXXX and I got a lot of credit through American first finance to repair my car and they ended up taking in total about {$400.00} out of my account which violated our terms of agreement. They were supposed to take XXXX out a week. The XXXX of XXXX to XXXX and from about XXXX to XXXX they took out XXXX and Ive been struggling to pay the weekly and took my account off auto pay and they hit me with all these late fees and that has done repetitive damage against me and I want to term our contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: IL
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:
I am reaching out to address alarming inconsistencies in the reporting of a XXXX XXXX account, as noted on both XXXX and XXXX. After a meticulous examination of credit reports, it has come to my attention that several irregularities suggest potential violations of the Fair Credit Reporting Act ( FCRA ). 

Charge Off Reporting on XXXX : XXXX indicates a charge-off on the XXXX XXXX account, yet fails to specify the delinquency or charge-off date. As per Section 623 ( a ) ( 5 ) of the FCRA, creditors are obligated to report such dates to provide consumers with a transparent understanding of their account status. It is imperative to highlight that this account is fraudulent, not in ownership, and should not be reflected on my credit report. 

Collection Reporting on Experian.com : Experian.com reports the same XXXX XXXX account as being in collection, lacking detailed information, which contravenes Section 623 ( a ) ( 1 ) ( A ) of the FCRA. This section emphasizes the necessity for credit reporting agencies to furnish accurate and complete information regarding any collections. Please note that this account is not XXXX in ownership, and it is fraudulent, making its inclusion on a credit report inappropriate. 

Failure to Report Monthly Updates : Both MyFICO.com and Experian.com have failed to reflect monthly updates on the XXXX XXXX account. Section 623 ( a ) ( 2 ) of the FCRA mandates creditors to report accurate and up-to-date information. This lapse in monthly updates hinders the ability to promptly address discrepancies, and I stress that this account, not in ownership, is fraudulent.

Missing 30, 60, and 90-Day Past Due Reporting : There is a conspicuous absence of 30, 60, and 90-day past due reporting on both credit reports, violating Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires creditors to accurately report the delinquency status, including the presence of 30, 60, and 90-day past due notations. Please be aware that this account is fraudulent, not in ownership, and must be expeditiously removed from a credit report. 

Omissions of Account Reporting on Experian.com : Furthermore, I noted that the XXXX XXXX account did not report in XX/XX/XXXX and XX/XX/XXXX on Experian.com, despite being reported as " OK '' ( positive ) on XXXX during the same periods. Such inconsistencies go against the FCRA 's requirement for consistent and accurate monthly reporting. I want to emphasize again that this account is fraudulent, not in ownership, and must be removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Pollack & Rosen, P.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
New attempt at collection by 'Pollack and Rosen ' via email of previously resolved debt collection re : XXXX XXXX Email appears to be from a law firm but is not. Letterhead, etc. 
Previous debt collection resolved in my favor re : CFPB XXXX. Previous collection attempts related to goods stolen from me via shipping, ( now ) known dead drop address. New collection attempt after more than a year. Police reports, shipper investigations, ( more ) given to XXXX during previous CFPB filing. XXXX emails regarding 'balance ' on closed account continue. IRS alerted to XXXX false statements regarding income. XXXX agreed was in the wrong, IRS concluded XXXX was in the wrong. XXXX stated 'balance ' claims would stop. Began again after a few months. Now has filed another debt collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Complaint is direct at both XXXX and the Apple card XXXX Many, Many, Many Years ago, XXXX offered me a free cell phone reception booster for my house. I can honestly say it didnt work. I dont recall the exact date that I got the booster, but it was something like in XXXX or XXXX I mean a long time ago. I believe it was called XXXX but Im struggling to remember. There were two cheap plastic boxes. One which you were supposed to put in your window, and another in a central location In your house. It didnt really improve reception and XXXX began allowing WiFi calling, so I didnt think the boxes helped. After I got the device, I realized that there was a non-return penalty of {$500.00} if I didnt return the box. Knowing that I didnt think the box was useful ( and previously paying a cable company for forgetting to return a cable box ) I drove to my nearest XXXX  store to drop off the box. I dont recall how the transaction went ( it was like 10 years ago ) but I recall returning the box to the store. Fast forward 10 years, I decide to cancel XXXX  and go to a XXXX XXXX XXXX I visit national parks and XXXX  coverage on national parks is much better. Anyways, XXXX informs me that they dont have a record of this box. I spent a while on the phone with them, and Im told by the representative that I have to return the exact same box with the exact same serial number. Of course, I dont have it anymore. Otherwise, they will bill me {$500.00}. Sure enough, they charge my credit card {$500.00}. I dispute with my credit card company, and they say well XXXX showed us this invoice so thats proof enough for me. My problems : Said box was returned years ago I was not allowed to pay todays market value for the box. No way a signal booster from 10 years ago is worth {$500.00}. Looking on XXXX, I can buy what I think is essentially the same box today for {$20.00}. I think the box was XXXX, meaning it would likely be deprecated today. Because I dont keep receipts or have proof from 10 years ago, Im being charged {$500.00}. I was a XXXX customer for well over a decadepaid them north of {$5000.00}. I recognize breakups are hard, but charging me {$500.00} for this XXXX box is just a great way to tell a customer to never come back. My phone number is XXXX My XXXX Account number was XXXX My Apple Card is tied to my apple ID : XXXX Am I wrong here? How do I get my {$500.00} back? Has XXXX  done this to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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:
Today, I am submitting a CFPB Complaint to inform the Credit Bureaus about the fraudulent accounts and incorrect information they have been reporting on my Credit File. After conducting research, I have learned that to remove these fraudulent accounts, I need to file a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove and block any accounts listed on an ID THEFT REPORT. I have attached the necessary documents to aid in blocking the erroneous information that is appearing on my report. Here is a list of the accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$600.00}. I assure you that I did not open these accounts or authorize anyone else to do so on my behalf. FCRA Section 605B ( a ) states that the Credit Reporting Agencies must block any information in the consumer 's file that is identified as resulting from fraud within four business days of receiving the request.

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 2023-12-19
Company: EQUIFAX, INC.
State: NC
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:
Hello, There are three collections accounts on my report that are reporting continuously incorrect information for years now. 

I have disputed each one with the credit bureaus and the companies and they still remain on my report. 

This has affected my quality of life and living. I can barely get approved for housing and car dealerships want an arm and a leg down payment. 

Please help, I don't know what to do. I think I am a victim of fraud and this is ruining my life. Also, the credit bureaus XXXX and XXXX have reported an incorrect credit score to Lenders twice now.

Company response to consumer: In progress
Consumer complaint received 2023-07-31
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 
15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consume reporting agency can not furnish a section without my written instructions.

15 USC 1681 C ( a ) ( 5 ) : 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 7 years.

15 USC 1681 S-2 ( a ) ( 1 ) : states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: NV
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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: MI
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 7th 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, MD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Ok so look! Im tired of using the codes and pointing the codes out to the cfpb and these credit bureaus! YOU GUYS DO NOT LISTEN AND YOU GUYS REFUSE TO DO THE RIGHT THING!! I HAVE PROOF! I HAVE SOLID PROOF COLD HARD SOLID PROOF!!! WHO EVER READS THIS PLEASE PAY ATTENTION TO MY ATTACHMENT! XXXX!! EQUIFAX AND XXXX DELETED THIS ACCOUNT FROM MY REPORT!! THEY PUT IT BACK ON AND DID NOT FOLLOW THE PROPER PROCEDURE NO ONE NEVER SENT ME A REINSERTION NOTICE OR ANYTHING RELATED!!! XXXX TOOK THIS ACCOUNT OFF THEY DID THEY THEY DID!!!!!! THEN THEY PUT IT BACK ON!!!! FOR NO REASON THEY NEVER SENT ME A LETTER STATING WHY!!! Yes Im frustrated and yes Im writing in all caps!!!! IM TIRED THESE COMPANIES KEEP THINKING THEY CAN XXXX US!! No not anymore!! XXXX removed this account then put it back on and they CAN NOT DO THAT WITH OUT THE PROPER PROCEDURE!!! where is the letter XXXX!????? Huh where is the reinsertion letter???? YOU NEVER SENT ONE!! Please remove the XXXX ACCOUNT FROM MY CREDIT REPORT! Please do not respond with be specific! I AM BEING CLEAR!! Please delete the XXXX ACCOUNT. I have attached proof that you deleted it and that you keep putting it back on! Delete this please! Do not respond with this item has been verified. It was deleted already and you reinserted it and you NEVER SENT ME A LETTER OF REINSERTION!! Deletion is admission of guilt and reinsertion requires a process to be followed according to the U.S.C! Please remove this and stop defaming my character! I am asking nicely. I will file suit for defamation of character!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: NY
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:
***This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately*** Equifax ======================== XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX  ***Do not add any fraud alerts to XXXX, Equifax nor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Received notice of credit opened in my name ( XXXX XXXX XXXX ). Advised company. Now I am getting negative credit notices for past due balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried to call and reach out to experian, XXXX, and Transunion and even send letters requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. I am really upset because the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score and history which is unacceptable. 
Account name / numbers. 

XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: MI
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:
On or around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX responded to CFPB complaints XXXX and XXXX, claiming the account/tradeline with XXXX was being reported with factual accuracy, and alleged " the credit reporting agencies have their own policy for reporting the information that is displayed. '' She made clear that XXXX would neither acknowledge nor respond to any future CFPB complaints without additional documentation. It is all but clear the acc/tradeline is NOT being reported with maximum possible accuracy. For example, XXXX reports the date of first delinquency in XX/XX/XXXX, which is a month in which the account was paid as agreed. Likewise, Experian reports a charge-off beginning in XX/XX/XXXX after a ninety ( 90 ) day delinquency. The heart of the issue appears to be a date of first delinquency with each. And, while Experian and XXXX may be responsible for the data they report, the fact is XXXX  itself has verified the account information reported by Experian and XXXX as accurate since the beginning of XX/XX/XXXX, even when a cursory review of the information reported for the acct/tradeline, and verified as " factually accurate, '' by XXXX itself, would lead any reasonable individual to conclude the information is false/misleading/inaccurate and does not meet the maximum possible accuracy required by 15 U.S. Code 1681e. In fact, Experian not only verified the information it was reporting as accurate with XXXX, but additionally requested, and allegedly, updated the information such that the information reported by Experian is the factually accurate data XXXX alleges it's furnishing to Experian. At this point it does not appear XXXX and Experian are able to reconcile the account/tradeline and as such the payment history, payment status, and narratives for the account need to be removed.

Company response to consumer: In progress
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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