BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
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: Information belongs to someone else

Complaint:
on XX/XX/2023 i sent transunion these letters for these inaccurate information on my report and they havent deleted accounts for violating 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!!!!!! 
1.XXXX XXXX XXXX Account number # XXXX 2. 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX XXXX Experian has stated this account/item was updated from our processing of your dispute in XXXX 2023 information is still inaccurate on this account. How could that be if this account was reinvestigated and presented with all accurate information. 
my address ID on experian is XXXX, the address ID showing for this account is XXXX that address does not match mines and i don't know who's address that is. as you can see in the screenshot, XXXX is reporting this last verified XX/XX/2023, nothing here on experian, since the last investigation XXXX has deleted this account As of XXXX, if they weren't able to verify how is Experian and XXXX verifying this account? date of last activity is still not matching, opened date is still not matching payment frequency is still not showing on experian. and in the two-year payment history Experian is still showing no payment for the month of XXXX according to the FCRA 15 USC 1681 everything must be 100 % accurate DELETE THIS ACCOUNT NOW

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 2023-05-11
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: Investigation took more than 30 days

Complaint:
I have submitted this dispute on XX/XX/23 " This company is reporting inaccurate information after many attempts to try to get this corrected the company has yet to respond to any of my information submitted to them. They are reporting inaccurate across all 3 bureas. Information needs to be removed from the credit report '' ... ... ... ..... 

I did receive a confirmation via my experian profile that this is under investigation .... 


Now I received a letter from this company asking for my w2 and additional information claiming they can not find my credit profile. 
They have clearly found my profile because I have received confirmation of the dispute. 


I believe this is a stall tactic from the credit bureaus to not look into this investigation this has take almost two months with no response and the company refuses to look into to do a investigation this is in violation of FCRA. 



I have uploaded the reporting again companies are recording innacuracies.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus Trans Union and XXXX stated my account was properly investigated but how is that possible when the open dates are inaccurate, the dates last active are inaccurate, and date last reported is not accurate. This is grounds for removal. TransUnion, XXXX, XXXX, and XXXX have all violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish account without my written instructions. 3. Violation of FCRA 623 ( a ) ( 5 ) did NOT validate information with original creditor. 

These are the tracking numbers USPS TransUnion- XXXX Results # XXXX XXXX XXXX XXXX XXXX refused delivery XXXX XXXX Results # 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 2022-06-15
Company: ID Analytics, 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: Reporting company used your report improperly

Complaint:
I am challenging the validity of bankruptcies being reported on my credit report to all three bureaus. It is to my knowledge I did not authorize any information to be released for any purposes and I would like full documentation and verification that these bankruptcies belong to me as I have gone to the court, and they informed that no such information is released. Furthermore, there is freezes on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Freedom Mortgage Corporation ( FMC ). As of the mortgage statement dated XX/XX/2021, I had an amount under Partial Payment Unapplied of {$2500.00}. ( This amount also appeared on previous statements. ) A full payment totals {$2500.00}. Freedom Mortgage holds partial payments " in one or more separate suspense accounts. Once we receive funds equal to a full monthly payment, we will apply those funds to your mortgage. '' ( quoting from the statement ). 

On XX/XX/2021, I sent FMC {$4.00}, which, combined with the unapplied partial payment, would total {$2500.00}. That would cover the amount due XX/XX/2021 of {$2500.00}. I later called FMC on XX/XX/2021, after my bank confirmed that the {$4.00} had been paid and spoke with a FMC representative, who confirmed that the combined amount would cover the payment due XX/XX/2021. 

FMC, as of their statement dated XX/XX/2021, has not recognized any money paid towards the amount due XX/XX/XXXX. The Partial Payment Unapplied of {$2500.00} has simply disappeared. They have taken 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 2022-06-15
Company: Experian Information Solutions 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 XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 

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

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Today, the Consumer Financial Protection Bureau ( CFPB ) ordered Bank of America to pay more than {$100.00} XXXX to customers for systematically double-dipping on fees imposed on customers with insufficient funds in their account, withholding reward bonuses explicitly promised to credit card customers, and misappropriating sensitive personal information to open accounts without customer knowledge or authorization. The Office of the Comptroller of the Currency ( OCC ) also found that the banks double-dipping on fees was illegal. Bank of America will pay a total of {$90.00} XXXX in penalties to the CFPB and {$60.00} XXXX in penalties to the OCC. 

Bank of America wrongfully withheld credit card rewards, double-dipped on fees, and opened accounts without consent, said CFPB Director Rohit Chopra . These practices are illegal and undermine customer trust. The CFPB will be putting an end to these practices across the banking system.

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 2023-05-08
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance {$40.00} ; XXXX XXXX XXXX XXXX Balance-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Due to a breach from XXXX ( see attached judgment and FTC fraud complaint ) in 2017, the consumer 's credit report has been compromised. This account is a fraud account reported to Maryland DMV, the three credit report bureaus, the Office of Comptroller Of The Currency, and the Federal Trade Commission. The Department of Justice is also aware of the compromising breach and the stealing and usage of the consumer 's private information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going to switch cell phone companies and wifi to XXXX. Signed up over the phone, they sent me new equipment but the phone numbers had to be ported. I made 3 trips to their store, went to XXXX XXXX XXXX and paid off my phone. Kept trying to get # s ported but ran into so many roadblocks and poor customer service- then was told by some smart XXXX  kid I didn't have to go through with it because I hadn't even ported the # s yet- I said, " you're right, I'm staying with XXXX XXXX XXXX XXXX XXXX I returned equipment directly to the store, unopened, directly to store manager, XXXX XXXX. This was another 2 hr ordeal that even HE could not get resolved. He wS put on hold and was transferred to 8 different people. He promised me he would work to resolve it when store was not busy. Went back up to the store to show him a bill I got for {$280.00}. He tried to remove that- unable to, then told me his computer said I owed {$680.00} AND I would be sent to collections! For WHAT? Today I received a letter that I have been referred to Convergent Outsourcing for collections {$680.00}. This is after XXXX XXXX, manager, worked on my problem and sent me a screen shot that showed I owed {$0.00}. I also received an email that the equipment was received. I am beyond livid. I am a XXXX I work very hard for Mt $ $ and I'll be XXXX if XXXX is going to EXTORT {$680.00} from me. This started on XX/XX/2021.

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 2023-05-16
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.

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 an 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 non-monetary relief
Consumer complaint received 2021-04-13
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid 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:
I have an issue with PayPal. 
Open dispute for unauthorized charges twice and they close it twice in a scamer favor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/2020, I contacted Equifax to dispute inaccuracies on my report. To date, I have not received any dispute results ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are 3 inquiries on my Equifax credit report that are listed as being from XXXX XXXX  however I have never applied for credit with XXXX XXXXXXXX XXXX XXXX took over accounts from another bank that merged with another bank to form a new bank called XXXX. Unfortunately the law is very clear in this regard. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This is not accurate on my report because when I applied for credit it was not with XXXX and unless XXXX can provide documentation with my signature on it applying for credit on the dates that have been listed this is not an accurate reporting of inquiries on my report. I request that unless XXXX can provide documentation dated for each inquiry for an application of credit with XXXX with my signature then the inquiries must be removed. Failure to do so both makes XXXX as well as Equifax liable for damages under FCRA laws for both willful and negligent non compliance. 

The dates of the inquiries : XX/XX/2021 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX As much as a year ago XXXX XXXX XXXX ( XXXX  ) contacted me by telephone attempting to collect an amount owed in connection with PayPal Credit/Synchrony Bank. During the call I denied the obligation as it was described to me and requested to receive documents regarding same by mail. 

On XX/XX/XXXX, I received a collection document from XXXX  ( account number XXXX ) identifying the purported creditor ( Synchrony Bank-PayPal Credit ) the purported amount ( {$1700.00} ) and the debtor address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ). None of which I had anything to do with and all of which were news to me. This letter was sent to me at my current residence address XXXX XXXX XXXX, XXXX, XXXX, XXXX and forwarded to me at a temporary address in XXXX XXXX. 

That same day, I responded to XXXX  ( letter attached ) categorically denying the obligation to be mine and requested XXXX  send me documents or other information upon which it was relying to falsely claim the obligation was mine. I have received none of the requested materials. 

On XX/XX/XXXX, I received a collection document from XXXX  offering to discount the amount owed if paid in full. That same day I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

On XX/XX/XXXX, I received collection document from XXXX  and none of the requested materials. That same day I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

Today, XX/XX/XXXX, I received a collection document from XXXX  and none of the requested materials. Today, XX/XX/XXXX, I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that Medical Data Systems XXXX inc. is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Medical Data Systems , Inc. received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.

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