BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 call XXXX, XXXX and TransUnion credit reporting agency, to remove inaccurate name and address on my credit report. I was inform by a rep to uploaded a copy of my Driver License, Passport, and Address on there website. As of yet see any removal of any 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 2021-03-13
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello so I am being charged for a XXXX bill for phones I bought around XXXX. I asked for XXXX to close the account and I believe they did they closed everything. I do not owe or have to pay anything as the account was closed and I keep getting harassed by the debt collector.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX 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 2023-06-14
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: Personal information incorrect

Complaint:
Hello, I just did some extra research and I am highly upset of this issue, I have tried fixing this issue with the credit bureaus with my addresses before I noticed they still haven't fixed it, and I still have much more unauthorized inquires, what is wrong with you guys, please help me to get them to fix these errors on my 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 2021-07-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I sent Experian and XXXX a letter disputing inaccuracies and unlawful practices concerning my credit report. According to covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covid forbearance period.

I am a victim of covid 19 and by LAW they should have never put them on my report. In addition another unlawful act by ( XXXX Experian ) is violation of 15 U.S. Code 1666b. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These companies are also in violation of 15 U.S.C. 1692g. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' They were to notify me of this in writing 5 days prior, I was not. 

As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Because you have failed to acknowledge my disputes a lawful remedy will be had and I will be in pursuant of 15 U.S.C. 1692k for {$1000.00} per violation for : 1. Unverified/ Inaccurate Reported Late payments Prosper Account Number XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 2. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date Payment Status XXXX XXXX Number : XXXXViolation of 15 U.S.C. 1692g Please delete from my credit report 3. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date of Last Payment XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 4. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed

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 2023-10-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have 2 accounts that are reporting on 3 of my credit report ( program support center {$24000.00} and another for {$24000.00} ) The name was changed to program support center in 2019 which the name reporting on my credit prior to XXXX  was XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the exact same amount. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  and they sent me a letter stating that I do not owe any such amount that is reporting on my credit. They also sent it to the credit bureaus. Plus I have sent it to the credit bureaus with disputes but they removed only one, and still have one reporting as current now on my credit report. which I do not even make payments nor did I ever have any such loan. The Program support center {$24000.00} should not be on my credit because it is not mine. I believe it the credit bureaus that are not doing their job because I spoke with the actual creditor that reporting on my credit and they said it should be on my credit. This is really destroying my life and I need your help in this matter. 
I have sent a dispute letter to each credit bureau in which I will enclose one of them to show what I sent to each one

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: FALONI & ASSOCIATES, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Faloni law group Has submitted false doucemnts to the courts and back dated doucumets to ry to collet a debt, violating the fair credit debt act. They refuse to validate the debt and send me any or all information that have my signature on it. 

On XX/XX/XXXX Faloni law group sent me more fraudeltn documemts. 


I have the documents and will send via emal upon your request. 

example : Faloni sent a fradu agreement that stated arbrtratin i can be chosen with the dates wrong and cerifed with and signature ( XXXX XXXX ) then tried to withdraw it from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no 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 2021-03-13
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ADDITIONAL LOAN CARE PRINCIPLE PAYMENTS NOT APPLIED TO MY MORTGAGE CORRECTLY. BANKING IRREGULARITY AND MISSING {$19000.00}!!!!!! 

I have sent over 5 requests over the last 2 years to Loancare to get this issue corrected and these banking errors consistently keeps happening. LoanCare is illegally not applying my extra principle to my loan. They send a automated reports of payments in the mail then close the complaint but the issue is not fixed. I AM MISSING {$19000.00} OF EXTRA PRINCIPLE NOT PROPERLY APPLIED TO MY MORTGAGE. 

You will see my previous complaint this with company that went unresolved! I have several complaints with the CA Attorney Generals ' office.

I am ready to seek an attorney. There have been several CLASS ACTION SUITS against LOAN CARE bank. They deliver the worst customer service and go out of their way to misappropriate funds, never have a manager call you back and hang up on you when you ask detailed calculation questions. I have spent 100 's of hours trying to resolve this issue and think they should be investigated and held accountable. 

XXXX XXXX XXXX ATTN : Consumer Solutions Department XXXX  XXXX XXXX Virginia XXXX, Virginia 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 2023-09-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whomever this may concern I hope this letter finds you well. I am writing to request the update of my personal information in my credit report maintained by your agency, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. 
I noticed that you guys have been furnishing inaccurate information on my behalf, starting with my name, address and social. I'd just like for you guys to update my information CORRECTLY. Under no circumstances do I wish for any addresses other than the ones listed to be reported to this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, in the process of purchasing a home and due to these circumstances it is stopping me from moving forward in life and acquiring a mortgage loan. I notice that there is unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose. I do ask that under the Fair Credit Reporting Act and violation code of US CODE 15 USC 1681b ( 2 ) as well as the violation of my rights to privacy that this is removed from my files immediately. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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:
XXXX XXXX and Transunion, has not ceased in their action to report factual information on my credit report. 
XXXX XXXX and Transunion, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With XXXX XXXX and Transunion. These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
XXXX XXXX and Transunion, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Closed Accounts : Delete from Credit Report XXXX XXXX XXXX- XXXX has violated my rights. 
XXXX XXXX  - 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Somehow I owed approximately {$94.00} to an old electric company. I have not been with the company for almost 3 years and was not notified of the amount still owed. 

I had payment arrangements with Express Recovery Services and stopped paying them regularly when they notified me of the additional charge from the XXXX XXXX power company. On XX/XX/2019 I contacted them concerning my bill and the extra charge and requested on two separate occasions that I be sent a statement on this bill and where it came from and for when the charges had occurred. I did not receive any imformation. 

On XX/XX/XXXX I received a bill for the above mentioned electric bill AND for another charge for XXXX XXXX XXXX for which I have no records of even having a bill with them. I still have not received the statements for the power bill. 

Prior to the incident in XXXX I had been paying on a medical bill from the XXXX XXXX XXXX Hospital that I was not able to pay prior. However, once I began receiving these additional bills I stopped the auto-payments and have not made additional payments to the account as I am still waiting for a detailed payment statement to arrive. All I receive in writing from them concerning the amounts that I owe are the companies they are claiming they bought my debt from and the amount and interest. There is no further information to protect me so that I know these payments are legitimate. No account numbers, no dates, nothing. I am also not getting accurate information from the individuals I am speaking with on the phone and they are clearly not taking accurate notes and not sending me the proper information. 

Today I received a threatening letter from the XXXX XXXX of XXXX XXXX XXXX stating if this was not disputed and paid they would send this to have a judgement placed. 

The ONLY written correspondence that I have received from the company are the attached documents. None of which answer my questions as to what I owe and why. The employees I spoke to we're XXXX and XXXX both of which informed me that sending documentation wouldn't be a problem. As you can see from the uploaded documents the statements do not provide enough information for me to know where these bills came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: EQUIFAX, INC.
State: MO
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:
In past times my identity has been compromised and that lead to unauthorized accounts on my credit report. Also I'm a junior ( jr ) and sometimes that crosses accounts that usually not mines. The two ( 2 ) accounts inwhich I'm disputing are, ( 1 ) XXXX XXXX {$3200.00}, and ( 2 ) XXXX XXXX {$1700.00}. These accounts are not mines and I'm demanding that the three ( 3 ) major reporting agencies block them immediately, or provide me with certified physical documentation that validates their reporting. Please block accounts from my data file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Dear Sir / Madam I noticed that my credit score had decreased by more than XXXX points, I have worked extra hard to keep my score high and divulge into exactly what is making my score at the number that it is. 
When I checked I saw an inquiry that is not familiar to me that took place on XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX. 

In addition there are XXXX negative accounts on my credit report that should be removed from Capital One. 
Then to add insult to injury-My old card has expired -Capital ONE has refused to send my new business credit card-because of the past issues that I have had with them. I spoke to a supervisor XXXX XXXX-she informed me of this, I have been vigorously attempting to remedy this incident. So the account of XXXX is still open, only I have NO physical card. They are holding my account hostage as retaliation. This is totally against the law I know it is. I am seeking legal advice on this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation