BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX  XXXX  is reporting these 3 accounts on my report which i have no clue about ... .. and they are reporting them as a collection account and also 120 days late ... ... they are hitting my account with a double negative ... all 3 are definitely violations... .i have challenged the reporting of these multiple times with all 3 bureaus and XXXX  XXXX as well and all 4 send letters back saying that it is reporting accurately ... ..they are obviously not conducting proper investigations as these are not report 100 % accurately as required by the law that governs them .....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Account information incorrect

Complaint:
Data reported by agency is not accurate and/or outdated, which is greatly impacting my credit score.

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 2020-11-04
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I rented the apartment XXXX XX/XX/XXXX, we move in on XX/XX/XXXX XXXX XXXX, told us the place was perfect for families, my wife is an XXXX  XXXX  so we ask XXXX about black mold and specially cigarettes she told us the complex was non smoking community, the first day the heater didn't work properly and dishwasher broke down, we sent a repair request and they came fast, was good we thought, then dishwasher broke again and again, the door at the laundry felt off, the first shower the bath tube peeled and have a very weird orange color, the neighbor have a lot of males visitor at least 10 men 's everyday all of them smoking and weird looking, cigarret smell was leaking inside, every night the upstairs neighbor use the washer and walk all night long, my wife complained and the manager in a very rude tone said she couldn't handle, my baby girl my wife and I gets a very bad upper XXXX XXXX  cause one day we came back and some kind chemical smell was inside the apartment, they said was carpet cleaner now we know was poison for XXXX  XXXX, my daughter have some kind of bites and have a very XXXX reaction, my wife clean all te apartment and found out XXXX  XXXX  were coming from the neighbor apartment we made pictures, now this people have a collection company trying to get almost XXXX $ after we have to abandon the apartment because my wife couldn't stand in that nasty place, we left our belongs because the manager said we brought the XXXX  XXXX with us, tried to make us pay the exterminator and we suppose to wait for 15 days for them to come and kill the XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2023-08-21
Company: EQUIFAX, INC.
State: OH
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:
EQUIFAX has caused my file to include mixed information and refuses to properly amend it in a timely manner. Their report shows only two addresses, and both are outdatedthe most recent is over 6 months old. The current address of XXXX XXXX XXXX XXXX XXXX previously and correctly appeared on my Equifax report. It is now missing, and I did not make that change. My creditors correctly report my current address to XXXX  and XXXX, as they did with Equifax. 

I have called Equifax twice. They can not authenticate my identity via their primary system, and I am forced to endure a lengthy process with each call JUST so they can file an IT ticket or help in anyway : they refuse to help in any way until Im fully verified. 

Equifax has refused to provide a fax number or electronic means ( web form, etc. ) to expedite resolution ( adding my XXXX address ), and they continue harming me by forcing me to mail documents to them. The delay is harming me because I can not access credit or credit monitoring, among other. The requirement for physical mail is not acceptable, especially since Equifax is entirely responsible for this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX -- -- attached from courts to delete off credit report immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My rights were violated with all these companies reporting in my credit report in collections Paperwork attached in file

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 2021-01-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Pursuant to 15 USC 1692 Ally Financial is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to 15 USC 1640, and they are liable for each FDCPA Violation pursuant to 15 USC 1692K. I am demanding they remove this alleged debt from my consumer reports, remit payments to me for violations, and apologize.

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 2023-09-05
Company: EQUIFAX, INC.
State: CA
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 was an authorized user on a XXXX credit card account, therefore the account doesn't belong to me. I requested that Equifax remove the account from my credit report by going through their online dispute process. I disputed the account on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I've disputed the account, Equifax reports : " We have researched the credit account. The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' I've supplied numerous XXXX documents that state that the account does not belong to me. I'm highly disappointed that Equifax improperly investigated my dispute 3 times. This has caused me undue hardship. 

I've attached a document from XXXX reporting that I am no longer on the account and a document that was sent to the primary account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
An account manager named XXXX from Gatestone ( XXXX ), has called my workplace multiple times harassing me at work. This is inappropriate, unprofessional, and illegal and I would like it stopped. I spoke with XXXX today on XX/XX/13 and asked her to stop but I would like further confirmation that she will not be calling theXX/XX/XXXXthat I work at. These attempts are to collect XXXX. I am in the process of dealing with a lawyer but before we can begin I am requesting the collections to not call my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried today, XX/XX/2019, to place a credit freeze on my Equifax account. I completed the personal information online, and attempted to answer the security questions which were about accounts I MAY have opened 9-20 years ago. The system responded that it could not verify my identity. So I called Equifax, gave all my personal information again, and answered their security questions truthfully. The associate said that he could not verify my identity. He said that my responses did not match their information. I have noticed in the past when I check my credit reports that Equifax often has out-of-date or incorrect information. I never worried about it because the report was always positive anyway. However, this time I NEED to be able to freeze my account and can not due to the supposed " security questions ''. I had no trouble with the other two major credit reporting agencies. One I did easily by an automated phone system, and the other online by answering their questions easily. This is an urgent matter because a fraudster has my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
A vicious scam happened to me from XXXX XXXX XXXX. I was deceived into a fraudulent investment scheme about XXXX XXXX. I was skillfully duped to transfer my personal savings from my checking /saving accounts at Bank of America to some international institutions used by fraudsters to fund my investment account. The funds were stolen as soon as leaving my bank accounts through wire transfers. 
The following were the dates and amounts on these wire transfers. 
XXXX XX/XX/XXXX XXXX $ XXXX Claim # XXXX {$72000.00} XX/XX/XXXX Claim # : XXXX {$60000.00} XX/XX/XXXX Claim # : XXXX I contacted Bank of America through OCC as well as CFPB last XXXX XXXX There is no formal response from Bank of America and my concern/questions were not addressed except brief statement about unsuccessful attempts of these wire transfer recalls. There was no details about where my funds went and the identities of recipients ( or fake identities maybe ). In my previous complaints to Bank of America, I listed some points of negligence and lack of fraud protection in handling my wire transfers from Bank of America. The total amount of {$330000.00} were stolen from this vicious scam. Its my life time savings and retirement funds. The authorized wire transfers were not legitimate because its a scam and fraud. I sent my money and thought it went to my investment account but instead, it went into fraudster accounts. 
I request Bank of America to investigate these transactions and provide the detailed information about my previous inquiries. What did your fraud protection department do when larger amount of funds were transferred in such short periods repeatedly? There was one wire transfer was blocked on XX/XX/XXXX by fraud department but the same receiving account were used next week without any issues and wired funds went through. Why there was no alerts and warnings, if there was suspicious activities in that checking/saving accounts previously?

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 2018-10-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank is mandating a lot of additional information from me claiming a " periodic security check ''. They refuse to provide any basis for their request ( except for saying it is mandatory ) and will close the account if I do not provide the information. 

My accounts are owned by a special needs trust I opened to provide funds for my daughter, a minor with XXXX XXXX XXXX, The two parts I have issues with are the following : 1 ) Requirement to provide the total amount of assets owned by the trust. This information is private and the bank refuses to provide any basis for being entitled to it.

2 ) Requirement to provide trust documentation. I provided it to the branch when transferring the account to the trust. Citibank refuses to use that " because it is on file with the branch so you have to now send it to us ''. This is documentation I already provided and expect Citibank to own the communication within their own organization that is needed to access it, rather than demanding that I send copies to multiple departments that refuse to speak to each other.

I spoke to Citibank about it on the phone, got no help, asked to be transferred to the complaints department, the specialist said she would transfer me and hung up.

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 2022-03-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
A late payment reported to the reporting agency and I never pay my cards late I noticed a drop in credit score so it made me do research into whats going on I found the acc with XXXX XXXX that I dont use that is not mine that I did not authorize acc number XXXX and a host of credit inquires that are not mine and I did not apply for XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not use credit cards a lot nor do I check my credit report I have also made a police report.

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 2023-08-21
Company: EQUIFAX, INC.
State: IL
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:
I did not authorize these accounts/inquiries on my credit report XXXX XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX * XXXX XXXX XXXX Location : XXXX XXXX XXXXXXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX Location:XXXX XXXX XXXX fl XXXXXXXX XXXX XXXX XXXX XXXXXXXX Location XXXX XXXX, XXXX oh XXXX 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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to. privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-02-07
Company: United Shore Financial Services, LLC
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:
ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Tromberg , Morris & Poulin , PLLC I paid my matter # XXXX IN FULL last XXXX. 

On XX/XX/XXXX they took an unauthorized {$100.00} from my bank account. I have contacted them every day for the last week to no avail. They stole my money and won't give it back. So, I had to spend {$35.00} and my time to go to the bank and stop payment. 

I have

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 monetary relief
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX are reporting incorrectly duplicate accounts of a past due amount of {$18000.00}. XXXX XXXX XXXX XXXX account number XXXX is being reported as a charge-off and XXXX XXXX XXXX account number XXXX  is being reported as a collection. ( Please see attached page from my credit report. ) The charge-off account number XXXX needs to be removed from my credit report. This inaccurate reporting of a charge-off account is harming my credit score. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I pulled a copy of my TransUnion credit report and after reviewing the information, I noticed that Transunion have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/XXXX and have been on my file since then. I have disputed this information with TransUnion to get no response, or just completely ignore the fact that the information, is incorrect. TransUnion is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX XXXX The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. So how is this placed on my consumer file, since the court did not furnish this information to TransUnion. 

On XXXX XXXX I filed Complaint Number : XXXX to TransUnion, who replied stating that their is working on the file, and have determined that it is fraud. They never provided me a completed credit report, and or investigated the initial dispute regarding the bankruptcy on my credit report. They only replied that I am a victim of fraud see below for the company response and etc. 60 DAYS have passed they have failed to verify the information disputed, and fail to provide me an updated credit report. TransUnion is in violation of of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i. Please note that, I also contacted the court who provided me the letter attached to this second dispute.. 

This is the company response : We received your complaint about the items in your credit report and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 
Potential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of 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 explanation
Consumer complaint received 2021-01-13
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation