BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: ATG Credit, LLC
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:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
Transunion refuses to do what is fair and equitable under the law. TransUnion is not aiding me in removing fraudulent items on my credit report. I have sent TransUnion all necessary documentation for them to block and remove the information from my credit report and TransUnion has been negligent. The fraudulent items on my credit report are Dept of Treasury. and Inquiries of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX My request to block is NOT made in error. My request to block information is NOT based on a material misrepresentation. My request to block is NOT of a knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. TransUnion continues ignore federal law and instead rely on it's internal policy. Transunion believes it's company policy supersedes federal and it does not. Transunion is required to block this fraudulent information from my consumer file and the company has consistently failed to do so. Transunion is enabling identity 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 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
TransUnion, XXXX and XXXX are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

TransUnion is reporting 2 Bankruptcies dated :XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated :XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : TransUnion, XXXX and XXXX. However, they have yet to MASK these items, from my Credit Reports. 

However, onXX/XX/XXXX after I disputed these inaccuracies with TransUnion, XXXX and XXXX. TransUnion and XXXX REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint. 

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint.

I am requesting that ALL 3 Credit Reporting Agencies : TransUnion, XXXX and XXXX IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
According to Law False information must not be furnished XXXX XXXX XXXX continues to report my account as Trade with False Information This was a Secure Account which required a cash deposit which was never accredited to the account before or after the Charge Off Therefore the Balance is incorrect

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 2023-07-11
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:
To whom it may Concern, I am in disagreement with the items listed below which still appear on my credit report, even after their investigation. I would like these items immediately removed from my credit report. these inaccuracies are highly injurious to my credit rating. The Account are : ( 1 ). XXXX XXXX Bankruptcy After their investigation they claim that the information was verified by United States Bankruptcy Court Office Of The Clerk XXXX XXXX Of Florida. Which is strange because I Contacted the United States Bankruptcy Court Office Of The Clerk XXXX XXXX Of Florida and ask them why are they reporting these inaccuracies to the credit bureau? they responded back saying the Bankruptcy Court does not report or transmit bankruptcy court records or any other information directly to the credit reporting agencies. and plus my XXXX Account has been frozen sine 2021, I have all document to prove which I will upload so you can see. So I am Truly confused how they are validating this information someone is lying

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2018, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2017-07-18
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 this a number of times, directly with the debt collector and Transunion. I can not get even a basic statement of my account prior to the sale to   XXXX   XXXX   XXXX   from the original lender, nevermind any of the other things requested.
The dispute is with   XXXX   XXXX   XXXX   XXXX   (   XXXX   ), via   XXXX   XXXX  , and Transunion. The latest dispute with Transunion was dispute   XXXX    opened via   XXXX   XXXX   on  XX/XX/XXXX and disputed again on the XX/XX/XXXX . The amount in question being {$1000.00}. The date and amount are in dispute. I would like to bring your attention to the following : a ) The amount that   XXXX   is attempting to recover is not correct. I specifically requested proof of the transactions from   XXXX    including the amounts that constitute this debt and the interest that was charged. No proof was provided by  XXXX  ; b ) The dates of the transactions and therefore the age of the debt. I specifically requested proof of the dates that   XXXX   asserts these transactions occurred, and when any payments were made. No proof was provided by  XXXX .
c ) I specifically requested proof of ownership of the debt from   XXXX   and that they were the final holder of this debt. No proof was provided by  XXXX .
d ) I specifically requested a copy of the signed legal contract that this debt was originated under. No legally binding contract was provided by  XXXX .
e )   XXXX   themselves state in their response to me the seller provided an electronic file of its business records, while providing no further evidence.

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 2022-08-15
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 have reached out to XXXX XXXX XXXX regarding inaccuracies on my credit repot, with one collection specifically. XXXX XXXX XXXX has listed on my credit report inaccurate information. 
This is the correct information, directly from the loan documents. 
1. Date Opened - XX/XX/XXXX I signed document in XX/XX/XXXX electronically *see attached 2. Last Payment - The company shows last payment XX/XX/XXXX but shows {$0.00} and in XX/XX/XXXX shows 120 days past due. If I had made a payment it would have been modified, they clearly state {$0.00} was taken. 
4. In XX/XX/XXXX, I recieved a collection notice with the amount of {$810.00}. Yet the report states it was {$960.00} in XX/XX/XXXX. 
*I have included several documents showing my previous disputes and response from XXXX , as well as loan docuemnts. 
I have requested documentation and a response from XXXX with no answer. They have been sent the same documents. I have disputed this XXXX in the last six months. 
I want the correct information provided, with documentation, which both XXXX and XXXX refuse to give me. 
I am currently in a class action for XXXX and Trans Union for inaccurate information from years ago. They seem to be repeating themselves. 
I understand the collection company verified the acct, but with what? Is there word enough, even when I have loan documents, clearly stating correct date and information. This has been an issue for 2 years, directly impacting my ability to get 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 2021-06-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I asked TD bank to assist me in refunding my money from a scammer that coerced me into sending money through what I believed was a job offer from indeed which I applied to. I was given a check for XXXX which I thought was a sign on bonus only to discover it was false after I sent the money back through XXXX because I wanted to decline the offer. I got the check XX/XX/XXXX and deposited it XX/XX/XXXX. A day later I discovered the check was not a valid check and that I was a victim of fraud. I am out of XXXX from the initial sent money plus XXXX from an overdraft I had to deal with as a result of the deception. I immediately contacted TD bank to notify them and ask if theres anything that can be done and they essentially said that theres nothing they can do even after they quickly agreed it was fraud, even though the method I used to transfer the money is from XXXX which is linked to the TD bank mobile app which made me feel safe thinking they had my back if anything happened. To make matters worse I recently lost my job so I have no way of quickly recouping my loss. As a result of this outcome with the bank and general situation, Ive spiraled into a XXXX and havent even been able to leave my bed for days because I feel abandoned and discarded by my bank after I used their official mobile app thinking that in the event of any possible fraud, I would be protected rather than the scammer walking free. I have screenshots from the conversation with the scammer who I thought was a recruiter from indeed as well as any bank transfer information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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 2023-06-12
Company: Experian Information Solutions Inc.
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX , DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Per my previous complaint ; I requested actual statements from XXXX, XXXX, and XXXX to reflect the mortgage balance before, during, and after the partial claim payments were made by HUD to BMO that were to be applied to my mortgage. BMO replied by sending me a copy of my publically accessible partial claim agreement ( that I provided to them ) along with some end of the year tax documents for a few years. Up to last week, I have still made numerous requests for my actual statements and BMO has not been able to provide them, and claim that they can not find them. The information I have requested are my XXXX, XXXX, and XXXX actual mortgage statements. This has NOT been provided, nor has it been shown the payment from HUD was actually applied to my mortgage balance. ( The reason for requesting these statements ).

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 2017-07-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX Case number  XXXX . I filed bankruptcy in  XXXX  case number  XXXX . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Consumer Portfolio Services calls me repeatedly several times a week, harassing phone calls which I have a number of save message from week to week. This has been going on since  XX/XX/XXXX . I do not have or owe this company any thing. I have asked on numerous occasion for the many different representative to stop calling me on a daily basis. I get at least 2 to 3 calls some times more during the each week. This has been going on for a minimum of 2 plus years no exaggeration. The latest calls were from   XXXX   XXXX  - XXXX    XXXX   XXXX   as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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 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 2023-05-17
Company: Navient Solutions, LLC.
State: TN
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:
My student Loan provider Navient has reported me XXXX plus days past due on my federal student loan. I was under the assumption that my loan was still in deferment as i was not notified otherwise. and I was also under the assumption that my loan was on hold due to the government placing loans on hold by the Biden administration. I reached out to them and they brought my account back current and placed it back in deferment due to hardship with no problem and the person that i spoke with said that the " late fees '' would stay on my account until my loan comes out of deferment that i did NOT need to make a payment until i started paying the loans back in XXXX. Now my credit report is showing a 3 time delinquency of {$160.00} dollars due to the late fees. I called again and they stated that I could send them a letter of dispute and they could resolve the fees. i sent the letter the same day last month and nothing has been resolved and now i can not get housing due to a late fee. Today I went into my account and paid the late fees because i have not heard back from them and did not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: NM
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.

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 response to consumer: Closed with non-monetary relief