BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019, I submitted and mailed a certified letter to TransUnion Consumer Relations for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. 

I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. 

TransUnion failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).

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 2020-07-30
Company: Durham & Durham, LLP
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXX XXXX XXXX Amount : {$530.00} RE : Dispute Result # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX To whom it may concern : We have disputed the inaccurate reporting of the referenced account on four ( 4 ) separate occasions, however, have had no correction to my credit  reporting. 

We contacted the XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX to discuss the account, which was paid in full on XXXX. They indicated that they could not prove that my payment was for the bill in question. 

We then contacted the original creditor, XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX. The account was located and noted that it had been paid and should have been closed. XXXX sent an email to the XXXX in house collection agency, Durham & Durham to indicate that the account was paid and closed. XXXX sent us a screen shot of our account which indicated the account was paid on XXXX. 

We were transferred to another department at XXXX XXXX XXXX on XX/XX/XXXX and discussed the matter again in detail with another representative. The representative confirmed the account had been paid and said she would contact XXXX to have the inaccurate information removed from my credit report. 

After several months of contacting both XXXX and XXXX we have had no change in my credit report. We discussed the matter in detail with XXXX ( " XXXX '' ) who indicated the report would be corrected. To date the inaccurate reporting remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ( FCRA ) Fair Credit Reporting Act. The List of accounts below have 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 XXXXXXXX, have all 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 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 2021-01-22
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:
I pulled a copy of my credit report because of Covid 19 and I found an account and some names that did not belong to me.

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 2021-12-23
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 have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXXXXXX 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citi Checking and Savings account online with the following promotion on XX/XX/18 : ( Open a new checking and savings account in the Citibank Account Package Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. 
Get {$400.00} deposited to your account! ) I have deposited the money into the accounts on XX/XX/18 and maintained the balance for over 60 days, therefore I fulfilled the requirements on XX/XX/18. 
However, the {$400.00} bonus was not ever credited as of XX/XX/18. ( I noticed that the savings and checking accounts are not linked together in the system, possibly messing up their records ) After numerous calls and online chats ( at least 10 times and 8+hours ), the company opened a case ( # XXXX ) to investigate on XX/XX/18, and then proceeds to tell me to wait 48 hrs for a solution. After 48 hours, I called Citi again, and the Rep proceeded to tell me to wait 45-90 DAYS for a resolution! After this outrageous call, I decided to file the compliant with CFPB.

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 2023-08-28
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Reported false information to XXXX and Early Warning. This is causing me problems from obtaining personal and business checking or savings account or getting my current accounts closed. Early Warning has provided a document saying it was verified but XXXX  XXXX XXXX just provided my electronic signature of agreeing to the terms when first opening the account. This account by XXXX  XXXX XXXX was closed because there was a check that was not deposited by me, or signatured by me uploaded to my account. I received a call from XXXX  XXXX XXXX and confirmed that I had no knowledge and didn't do it. A few days later they decided to close my account after they cancelled/declined the check the day of me mentioning it was unauthorized. This company had no loss or even investigated it properly as in to see where was the check deposited from including IP ADDRESS, LOCATION OR FULLY VIEW THE SIGNATURE THAT WAS PUT ON THE CHECK. THIS FRAUDLENT INFORMATION LISTED ON MY CREDIT SHOULD BE REMOVED. 

Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If this in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of this upon my request. Inaccurate or unverified information must be promptly removed or corrected. 

Source of Information : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXXReported For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( S ), AND VERIFIED ACCURATE BY XXXX ; Reported Name : XXXX XXXXReported XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported SSN/ID : XXXXDrivers License : State : Date of Closure : XXXXACCT # : XXXX / XXXXClosure Status : NO MONETARY LOSSClosure Status Date : XX/XX/XXXX  Dispute Case ID : XXXX Bank Name : XXXX XXXX XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: IL
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:
Experian FICO score from Experian.com is showing me having multiple delinquent payments during the time I filed bankruptcy. I filed on XXXX XXXX 2022, and it was discharged XXXX XXXX, 2022, and although the actual credit report from the card/loan servicer show on time, Experian put an N for that month showing I have multiple negative marks on my credit suggesting I have multiple 30/60 day late payments. They need to report correctly. The credit cards/loans show what it is, how can they reflect any different?

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 2021-05-24
Company: BUDGET CONTROL SERVICES, INC.
State: CO
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 led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains on XXXX Please help me resolve this issue as it should not have been on my report to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet became the server of my student loans on XX/XX/XXXX and never reported to the credit reporting agencies that the loans were transferred in to them. Nelnet has never reported any of the accounts on my credit reports as paid in full. I've disputed these accounts with Nelnet as not being reported and had to email copies of my credit reports to them to show that they are still listed and being reported by the previous servicer XXXX. On XX/XX/XXXX, I was transferred to the Resolution Specialist XXXX who said she was the highest person in the company that I could speak to when asked for a supervisor " I'm the highest person you can talk to there is no one higher than me ''. XXXX said they Nelnet sent in a notice to the Credit Reporting Agencies each time I disputed it with them. " We sent the CRA 's notice that the accounts we paid in full '', I asked her how can they report an account that they never reported before since they were in suppression per the Depart of Education from XXXX  to XXXX " We weren't allowed to report anything during that time period and once that ended we reported to the CRA 's that the accounts were paid in full. So I asked her how can you report accounts as paid in full if Nelnet never reported them in the first place as being transferred from XXXX, and that Fedloan account numbers are not the same account numbers that Nelnet shows, she said " it doesn't work that way, I asked how can you report account paid if you never reported the accounts in the first place, that Nelnet has never been listed on my credit reports and that she can see what's reported on them since she had copies of them in front of her. She stated " Its up the CRA 's if they report what we sent them and correct it not Nelnet, so I asked again how can Nelnet report accounts paid on full if they never reported them in the beginning and that they had to have my permission to report them so they stated " you gave the Department of Education and its servicers permission to report them and I can send you a copy of them '', I stated to her if that's correct them send me written proof of what was submitted to the CRA 's, she stated " I can send you copies of the letter we sent you when you disputed with Nelnet, I said no send me proof of what you transmitted to the CRA 's, per FCRA I have a right to the procedures that were done to report these accounts to the CRA 's. She hung up on me because I got loud because she kept interrupting me as I talked and asked her questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$790.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-22
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Discover hire a law firm that taking me to court and lie to the judge on the balance my is XXXX and not no XXXX the lawyer show me the right balance of XXXX got in court and told the a lie I am trying to pay this off but they giving me the run a round and now I have to go back to court for a garnishment this go to far its not right a no one should have to go though this something need to be done I dont want no one to be change like this the lawyer discover card hire in not right and take this for a joke I dont see know right in this this unfair let me pay what i used on the card need to be fair. And thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Today XX/XX/20 I am uploading additional information in regards to my XXXX XXXX XXXX card. I received this letter yesterday its confirming that this account is NOT reporting to the 3 credit reporting agencys. I have requested several times to please REPORT this account. I have a XXXX balance now with a {$4800.00} credit line having this information report would help my credit score significantly.

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 2021-12-23
Company: EQUIFAX, INC.
State: CA
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:
This is a Direct Dispute for the XXXX XXXX of the information on my consumer report. On XXXX XXXXXXXX 2021 I audited my XXXX XXXX  report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the XXXX XXXX XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to XXXX XXXX  XXXX Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( XXXX ) Reflects the terms of and liability for the account or other relationship ; ( XXXX ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. 

XXXX means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( XXXX ) Is substantiated by the furnisher 's records at the time it is furnished ; ( XXXX ) Is furnished in a form and manner that is designed to minimize the likelihood that the information XXXX be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXXXXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

Company response to consumer: Closed with explanation