BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: Experian Information Solutions 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 was shopping for home and I am very displease and disappointed that I found fraudulent and illegal accounts on my consumer credit report. I was recently in a breach with XXXX and Experian so that lets me know that my information have been exposed. However, I am under the impression that my information should always be protected. Now that these fraudulent accounts have come to my attention, you guys are violating me. Under 15 usc 1681g my consumer credit report should be secured and if not, The credit reporting agencies can be sued immediately. This is a defamation of character and is causing emotional stress on me and my family. I am trying establish a home and I need you guys to remove these illegal accounts immediately! This is also destroying my livelihood and should no longer be neglected. I will be contacting the CFO of each credit bureau to complain because this is not fair. Please respond immediately with removing and blocking this illegal accounts so i can successfully buy my home.

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 2019-04-26
Company: CAINE & WEINER COMPANY, 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:
On XX/XX/19 I sent a letter to the credit bureaus asking them to validate the debt from Caine and Weiner because I was unfamiliar with it. XXXX   removed the account. XXXX  continued to report the debt even though it could not be validated. On top of the debt not being validated. There is another company collecting on the same debt. How is that possible when the law states that only one collection company can collect on the debt? 
I requested validation from Caine and Weiner on XX/XX/19 and I never received the proper documents and they have yet to remove the account from my credit XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: RevMD Partners, LLC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have tried contacting XXXX XXXX numerous of times about false debts on my credit. these debts are affecting my credit and theses debts are not mine. they harrassed me and threated to put these debts on my credit even after explaining numerous of times these are inaccurate. They had a 3rd party to send me letters of balances and procedures that arent mine which i a violation of HIPPA as i did NOT give permission to give out any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-01
Company: Experian Information Solutions Inc.
State: MD
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 a victim of identity theft. XXXX XXXX, XXXX, Experian, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX  has fraudulently abused my private information without my consent and it appears on my credit report. It is hurting my right to liberty, and the pursuit of happiness as protected by the Constitution for the United states of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
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 disputed the balance of a XXXX XXXX on XX/XX/2019 Account number XXXX. I paid this item in full. Today is XX/XX/2019. The bureau did not change the balance on this item ... the notice of dispute does not even appear on it in my credit file. 

The FCRA provides that this investigation be completed in 30 days. Not only is it not complete..they never started it. I have attached a copy of the payment in full. I now want this item removed from my file as provided by 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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello My name is XXXX XXXX. I have attached Proof of my name being XXXX XXXX by adding my Drivers License, Social Security, Naturalization, and Voter ID which should be plenty. 

The problem is the incorrect name keeps appearing on my credit reports and it is not me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc are all incorrect names and should be deleted. 

Again, Correct Name : XXXX XXXX Incorrect Names that need Deletion : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX It also appears, XXXX has Kept Many Accounts on my credit report that are not mine. Both XXXX and Transunion deleted all accounts associated with XXXX XXXX which may be mixed up with my fathers name, he went by XXXX XXXX XXXX and and also XXXX XXXX XXXX, he had XXXX middle names. 

I have written XXXX several times regarding errors to accounts, identity theft, or anything possible to have my credit report cleaned up since they do nothing but " verify accounts and names '' that do not belong to me but perhaps a family member. 

Again, I have no credit in the United States yet, My name is XXXX XXXX My Social ends in XXXX and I have attached proof. 
I recently became a XXXX XXXX XXXX XXXX  and have obtained no credit previously. No credit should be on my credit report. 

I traveled from XXXX to the United States and stayed here month off and month on for several since XX/XX/2020 when my father was ill of XXXX. Recently I moved here and XXXX XXXX XXXX. However I have never had a credit card or home or loan in the United States. 

Please Have XXXX Wipe my credit report with nothing as XXXX and Trans Union have done. Something weird has occurred on my credit report with XXXX and this person is not me... XXXX XXXX XXXX, XXXX XXXX XXXX, etc I am XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX credit card balance for the month of XXXX on the XXXX. I scheduled that payment for the XXXX and they pulled it on the XXXX and charged a late fee ( {$37.00} ). To not have to deal with calling them about it, I scheduled the payment of that fee for the XXXX of XXXX. They didn't charge that until the XXXX of XXXX and charged a second fee ( bringing the balance to {$76.00} ). When I contacted the customer service department about this, they said it was an error on my end ( I am certain it wasn't ) and that I had to pay XXXX sets of late fees on a card that has not been used since XXXX and has no balance other than late fees. The representative was not helpful and when we said we would file a claim with the CFPB he offered to waive the most recent fee and that he would make a note in my file that the fee would be credited. He would not give me that in writing but just wanted me to pay the first fee. Eventually he escalated it to a second representative who made the same offer but was confused because the first representative didn't leave any notes as he told us. After she found the notes, she said they could offer to waive a {$37.00} late fee but I would still need to pay {$39.00} ( which is a late fee and finances charges ). The representative couldn't explain why that was the case, but that there wasn't anything more she could do. She offered to escalate it to her supervisor, put me on hold for close to XXXX minutes, and then hung up on me. Note : the account is under my maiden name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
Company: Grain Technology, 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:
XX/XX/XXXX I noticed that an account with the grain technology and an unknown address was open on my credit report so I filed a dispute. XXXX of that same year a collection dropped on my Credit report. I sent letters and continue to file disputes with all three bureaus. 
Ive reached out to grain technology on several occasions via email, calling in hopes to speak to a live person and even sent them letters in the mail. In XX/XX/XXXX someone finally reached out to me via email and I thought maybe we can finally get the issue resolved but the company was not able to find an account associated with my name. I was told that someone will reach out to me within two business days to help me with the issue I was having. Days and days went by and I still have not heard from them. After 20 plus disputes and endless phone calls and ignored emails here I am finalizing a complaint. This account is also linked to an address that Ive never lived on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. XXXX  also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} XXXX has repeately misrepresented this account with all three credit reporting bureaus.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account is showing 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I was not late. My account was up to date due to forbearance

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 2022-03-07
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:
THE ACCOUNTS I DISPUTED WERE NOT REMOVED THEYRE NOT MINE. I ALSO FILED A CLAIM WITH FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15
Company: Bliksum, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : Please see attached correspondence. 

Thank you for your efforts. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. I received alerts Transunion is reporting on my credit report for XXXX  XXXX XXXX ( Bank ) on XX/XX/23 XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/2023 that i didn't give authority for anyone to run on his 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 2023-01-29
Company: U.S. BANCORP
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: Overcharged for something you did purchase with the card

Complaint:
First Issue. On XX/XX/XXXX, I used my US Bank Altitude credit card ending in XXXX to pay rent for an apartment in XXXX purchased through XXXX. I used this card because it offered 0 % of each foreign purchase transaction or foreign ATM advance transaction in a XXXX XXXX. I authorized the charge of XXXX Euros. My statement shows a charge of {$870.00}. The exchange rate on this day, XX/XX/XXXX, between Euro and the US dollar was XXXX ( see attachment ). The transaction was posted on XX/XX/XXXX. The exchange rate on this day, XX/XX/XXXX, between Euro and the US dollar was XXXX. XXXX ( see attachment ). The correct conversion rate with 0 % of each foreign purchase transaction should be XXXX x XXXX {$850.00} and I should be charged this amount on this day, XX/XX/XXXX, instead of {$870.00}. Hence I was overcharged {$17.00} ( XXXX ). Even if the bank used the conversion rate on the day the transition was posted, the correct charge should be {$850.00}. In any even I was overcharged about {$18.00}. 

Second issue. My statement dated XX/XX/XXXX shows Points Earned this Statement XXXX, Total Points Balance as of XX/XX/XXXX - XXXX. So as of XX/XX/XXXX I have a total of XXXX points. The next statement dated XX/XX/XXXX shows only XXXX earn points and XXXX points available. Hence XXXX pints have gone missing ( XXXX ) with dollar value of {$10.00}

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The information needs to be deleted In the file of a consumer in an event that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy In demanding an deletion of the account 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 2022-03-07
Company: Diversified Adjustment Service, Inc.
State: CT
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:
Diversified Adjustment services called me and threatened to ruin my credit and have me deported if I did not pay a utility company for a debt I either don't know or that is the product of identity theft. Diversified Adjustment Services Inc said that although I was born overseas in XXXX XXXX as US Citizen because my father was in service, and as a result if I lost paperwork and didn't pay the bill that they would report me to someone at XXXX for immediate deportation ( lived in country for over 40 years as US citizen ). 

The phone number that called me was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
American Express has been reporting a XXXX charge on my credit report since 2015 and I disputed the charges when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Comerica
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:
I was living in XXXX XXXX from XXXX XXXX XXXX and the people I lived with stole my direct express card and now I have no way to report it as a fraud. I called the social security office and they aren't receiving any new calls

Company response to consumer: Closed with explanation