BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
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: Account status incorrect

Complaint:
I have attempted several times to work with this company directly in resolving my complaint. I have a late payment reporting on all three credit bureaus from this account inaccurately I could not get in touch with the company to make a payment and they blocked me from using their app for over two months. I HAVE SINCE PAID THIS ACCOUNT IN FULL AND ASKED FOR THE LINE OF CREDIT TO BE CLOSED THE ACCOUNT IS STILL REPORTING AS OPENED ON MY CREDIT REPORT AND NOW IT IS SHOWING TWO ACCOUNTS WITH THIS COMPANY BOTH HAVE THE EXACT SAME INFORMATION AND IT IS MAKING IT APPEAR THAT I HAVE FOUR LATE PAYMENTS ON MY CREDIT REPORT THIS ACCOUNT SHOULD BE CLOSED NOT OPEN AND IT SHOULD NOT BE REPORTING TWICE ON MY CREDIT FILE PLEASE CORRECT THIS INFORMATION AND FOR THE LAST TIME CLOSE THIS XXXX ACCOUNT YOU ARE COMPLETELY UNRESPONSIVE TO MY EMAILS AND THAT IS THE ONLY WAY TO CONTACT YOU. CLOSE ANY ACCOUNTS THAT I HAVE WITH YOU AND IF YOU CLAIM I HAVE TWO ACCOUNTS I WANT PROOF MAILED TO MY ADDRESS XXXX XXXX XXXX XXXX XXXX az XXXX showing that I applied and opened two accounts. I AM BEYOND XXXX AND AM GOING TO BE VOICING MY OPINION EVERYWHERE I WILL ALSO BE CONTACTING AN ATTORNEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Capital Accounts, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Spoke over the phone with a representative from Capital accounts and explained I knew nothing about the debt they are claiming. Requested they send the debt back to the original creditor. They told they were not going to to that. And threaten a payment or they was going to send to my credit report. I told them this is willful violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There are inaccurate accounts on my credit report that is reporting. There is also names and addresses reporting that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sometime in XXXX I had opened an account with a bank for a " secured credit card '' to help build my credit since I had just filed bankruptcy XXXX XXXX XXXX Ref : XXXX. 

I don't remember the bank 's name that I had opened it with but I had never received a card. I did not use it, just paid the XXXX to open it up and needed it to report current. 

I simply forgot about it and lived my life. Sometime afterwards a company by the name XXXX XXXX  bought the bank, I was never notified of this, I still had no card and had not used it. XXXX XXXX  bank charged the annual fee of XXXX and I had not been notified about a balance or anything. 

I was trying to work on restoring and building back my credit ratings and came across this delinquency. I called, called, called, called and called. Finally spoke with someone that helped me, they understood the situation and told me it was resolved. 

I was just trying to get approved for renting housing and was denied several times because of atleast in part by the adverse reporting 30 days lake for YEARS every month they report that I am 30days late to CRA 's. 

The CRA 's show the account is closed in XXXX but XXXX XXXX  reports every single month as if the account is open and gives a 30days late every month and causes severe damage to my credit ratings.

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 2021-05-17
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: Information is missing that should be on the report

Complaint:
Equifax have two credit reports on me. Equifax refused to merge the two credit reports. 
I have requested credit from a Creditor I was denial because of the two different reports. 
They decision which on of my Credit Report to send out. This have created two different FICO scores. This is FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX  XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$25000.00}

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 2021-06-10
Company: M&T BANK CORPORATION
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife lost job due to Covid mortgage company asked if we wanted to do a forbearance did forbearance for 10 months trying to get back into regular loan status mortgage company does not offer a deferment for VA loans only conventional loans told me that the VA was the one that wasnt allowing it when I contacted my VA rep they said they do allow it even had conference call with mortgage company still denied offering deferment for VA loans and Veterans forcing me to refinance at either 30 or 15 here and have to repay all interest I paid off on the loan

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 2023-07-10
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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 2022-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sometime in XXXX I had opened an account with a bank for a " secured credit card '' to help build my credit since I had just filed bankruptcy XXXX XXXX XXXX Ref : XXXX. 

I don't remember the bank 's name that I had opened it with but I had never received a card. I did not use it, just paid the XXXX to open it up and needed it to report current. 

I simply forgot about it and lived my life. Sometime afterwards a company by the name XXXX XXXX  bought the bank, I was never notified of this, I still had no card and had not used it. XXXX XXXX  bank charged the annual fee of XXXX and I had not been notified about a balance or anything. 

I was trying to work on restoring and building back my credit ratings and came across this delinquency. I called, called, called, called and called. Finally spoke with someone that helped me, they understood the situation and told me it was resolved. 

I was just trying to get approved for renting housing and was denied several times because of atleast in part by the adverse reporting 30 days lake for YEARS every month they report that I am 30days late to CRA 's.

The CRA 's show the account is closed in XXXX but XXXX XXXX reports every single month as if the account is open and gives a 30days late every month and causes severe damage to my credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking at my credit to see what all I needed to do to qualify for a mortgage loan and noticed several accounts that I didn't recognize. So I pulled all 3 of my reports and saw multiple items across all 3. I knew I had to do something. So I decided to take action to get these items removed.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 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.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Late Open : XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX Balance : {$460.00}

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX XXXX  I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the 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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sometime in XXXX I had opened an account with a bank for a " secured credit card '' to help build my credit since I had just filed bankruptcy XXXX XXXX XXXX Ref : XXXX. 

I don't remember the bank 's name that I had opened it with but I had never received a card. I did not use it, just paid the XXXX to open it up and needed it to report current. 

I simply forgot about it and lived my life. Sometime afterwards a company by the name XXXX XXXX  bought the bank, I was never notified of this, I still had no card and had not used it. XXXX XXXX  bank charged the annual fee of XXXX and I had not been notified about a balance or anything. 

I was trying to work on restoring and building back my credit ratings and came across this delinquency. I called, called, called, called and called. Finally spoke with someone that helped me, they understood the situation and told me it was resolved. 

I was just trying to get approved for renting housing and was denied several times because of atleast in part by the adverse reporting 30 days lake for YEARS every month they report that I am 30days late to CRA 's. 

The CRA 's show the account is closed in XXXX but XXXX XXXX  reports every single month as if the account is open and gives a 30days late every month and causes severe damage to my credit ratings.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00}

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 2023-06-28
Company: EQUIFAX, INC.
State: FL
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:
It should be known that this complaint is filed against both XXXX and Equifax for reporting incorrect information, invalid information and incomplete information from my credit reports. Said information is violating the FCRA and due process of federal law and is affecting my credit score and potentiality for credit. The adverse information is from a account named XXXX XXXX XXXX under account number XXXX for {$140.00}. This problem was disputed with both XXXX and Equifax and both credit bureaus denied my disputes and deemed all information in reports to be correct and verified. No other disputes are pending for this account. Said errors and discrepancies are asserted below and in support of this complaint, a copy of the consumers smart credit 3 bureau report is enclosed for review so all errors and discrepancies can be ascertained and be validated. The said errors and discrepancies are : 1. Both reports from XXXX and Equifax are missing date account was closed. 2. Both reports from XXXX and Equifax are missing date of last activity. 3. XXXX reports this account under account status as open. This is a account that has been closed, sent to collections, and sent to a collection agency. No collections are open accounts and this account is closed and should not report as a open account. 4. Both bureau reports are missing past due amounts. 5. Both bureau reports are missing date of last payment. 6. XXXX report says under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. 7. Under Creditor 's Remarks it says account disputed on XXXX report. Said dispute has been over and no other disputes exist. Once dispute is over, XXXX was obligated to remove all codes and remarks about disputes from the report, which XXXX failed to do. 8. Equifax report shows under Dispute status and Creditor 's Remarks that account is disputed. Said dispute is over and no other disputes exist. Equifax was legally obligated to remove all codes and remarks about disputes from the report but failed to remove them. All errors are blatant, are numerous, and violate the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation