BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, transunion and XXXX for many months. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. 
Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$480.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$680.00} high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$110.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX  # XXXX {$340.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX # XXXX {$26.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management is reporting false information about 2 credit cards that I paid off and I closed the accounts. I had returned some items during the Covid lockdowns ( totaling less than {$200.00} ) which they didn't credit on my accounts, and I contacted the credit card companies directly to resolve it, sent them copies of my receipts. Instead of dealing with me, the credit card companies wrote the accounts off. MCM is sending mail and calling me stating the balance is {$1900.00}.??? MCM has multiple addresses and telephone numbers on their correspondence. They have different " account '' numbers on every piece of their correspondence. This is a scam. They are causing my credit score to be lowered. I'm sure they were paid by the credit card companies. It's all a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX  XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-06-25
Company: Experian Information Solutions 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 

Account Name XXXX XXXX Account Number XXXX Opened date XX/XX/XXXX Account Name XXXX  Account Number XXXX Opened Date XX/XX/XXXX Account Name XXXX  Account Number XXXX Opened Date XXXX Account Name XXXX Account Number XXXX Opened Date XX/XX/XXXX 2018

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 2022-09-23
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: Was not notified of investigation status or results

Complaint:
I filed dispute # XXXX on XX/XX/XXXX with Experian requesting the late payments reported by Dept of EducationXXXX which are currently reporting 15 late payments be removed whereas they are in violation of the Fair Credit Reporting Act Pursuant to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) ( A ) ( i ) Exclusion and such experiences are to be excluded from consumer reports. Further that are past the states of limitation in NY which is 3 years. Likewise a closed Child Support Enforcement item is reporting late payments on a closed account in violation of the same citations stated supra. These action are being deliberately perpetuated due to exclusionary and predatory anti competitive actions of my business competitor XXXX XXXX XXXX in their plot to keep me from financing my newly established company XXXX XXXX. and is currently subject to XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the financing and planning stages and negotiating with XXXX a non profit organization that provides Start ups with resources and SBA guaranteed financing. They refuse to move the items to ruin my ability to secure necessary financing. I requested validation of these item and a full description of all employees contacted and whom certified these items in accordance with FCRA section 611 ( a ) ( 7 ) after the initial 30 day investigation requesting reinvestigation which was to be completed within 15 days and I was to receive Notice of The Result pursuant to FCRA 611 ( a ) ( 6 ) however no results have been provided although I have requested them repeatedly by phone. These items must be removed from my account immediately in accordance with FCRA.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have previously sent a letter to your company, but the representative told me that they have not received it, so I am re-submitting a letter with my FTC report for these unauthorized and fraudulent inquiries through this platform. Please prioritize this matter.

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 2023-02-15
Company: EQUIFAX, 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:
I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX  I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Improved Data Services LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/22 at XXXX, XXXX from IDS contacted my mother in reference to a credit card debt. I returned the call and asked that his company not contact her or other family members and to contact me directly. ( She has battled XXXX ) XXXX and another representative state that they would remove the contacts. He offered a debt settlement and I asked for time to see if that would be something I could afford. XXXX gives a deadline of XXXX XXXX each day as the time when " he has to sign off on this. '' He calls at XXXX ( XXXX hours early than said deadline ) the following day demanding that I call to discuss the settlement, XX/XX/22. My husband was contacted even after they were asked to contact me only. IDS was extremely rude to my husband and asked " don't you think you should help your wife? '' XXXX calls again on XX/XX/22 at XXXX am and threatens to continue calling other people to reach me. I did not receive his message until XXXX that day being in an area of bad cellular service. I returned the call and asked that they not contact me again. I confronted XXXX about the conversation with my husband and he denied they ever spoke with him. I have already reached out to the original creditor and will work with them. This bullying, aggressive and harassment by IDS has to be stopped. Some of us feel bad enough that we can not pay our debt, then we are left to deal with nasty, aggressive phone calls from a company that is completely dishonest. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PLEASE HELP ME!, I AM A VICTIM OF IDENTITY THEFT. I HAVE IDENTIFIED THESE INQUIRIES ON MY CONSUMER REPORT AS IDENTITY THEFT. THIS INFORMATION ARE NOT RELATED TO ANY TRANSACTIONS BY ME. THIS IS IDENTITY THEFT. SOMEONE USE MY IDENTITY AND THEY DID NOT GET WRITTEN PERMISSION, AUTHORIZATION TO ACCESS AND/OR TO REPORT MY PERSONAL INFORMATION. 
PLEASE DELETE THIS OFF MY CONSUMER REPORT. DELETE THESE INQUIRIES 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 XXXXXXXX XX/XX/XXXX. MY ONLY ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX. ALL OTHER ADDRESS PLEASE DELETE. NOT MINE! THANK YOU

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 2023-07-13
Company: EQUIFAX, 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in 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 non-monetary relief
Consumer complaint received 2020-06-10
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
We XXXX a XXXX and as of XX/XX/XXXX of this year we were forced to close down due to the COVID-19 pandemic. We had attempted to provide take out and delivery and it was no success at all. We have had no income for 3 months. We have two business credit cards with US Bank and have requested a deferral for the three months we have been closed down. We called and finally reached someone to speak to on XX/XX/XXXX. Before that time the hold times were beyond 45 minutes and we could not reach a live person. When we spoke on XX/XX/XXXX the operator stated she would defer until XX/XX/XXXX. When we called today to discuss the account, we were told it was 78 days in arrears and they would not work with us because the payments were late. They have no programs for deferment. We have a history of paying on time that lasted more than 8 years. All we are asking for is a three month deferment and to take back the negative report on the credit record. We are opening the XXXX  on the XXXX of this month. After a couple of weeks we should be back on our feet.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
unauthorized hard inquiries on my credit report listed need to be removed immediately 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 explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 give consent or authorize the following inquiries on my credit report : By obtaining my Equifax consumer report on the dates below without my permission, or without a permissible purpose by law, this is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with the companies below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies below for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX XXXX  or both. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: KY
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 had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus equifax, XXXX and XXXX for many months. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. 
Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX {$480.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$680.00} high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$110.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$340.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX # XXXX {$26.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX  Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting Act these convergent accounts has violated my rights. 

15 U.S.C 1681 section 602 A. -States I have the right to privacy.

15 U.SC 1681 Section 602 A Section 2- Also States a consumer reporting agency can not furnish an account without my written instructions.

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 2021-06-15
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:
I have been a XXXX and XXXX XXXX card holders for over 3 years combine. I have never been late until the last year XX/XX/XXXX, and the reason for my lateness are because I was laid off from work and I had no source of income. I had to use my Credit cards to survive and stay afloat, in the process I missed a payment or two. I payed both cards complete off. 

In XX/XX/XXXX I was still laid off and couldnt obtain any suitable job, and the worst was yet to happen. On XX/XX/XXXX I lose both my grandmother and sister to XXXX and I use my credit cards again to pay for theyre funeral and in the process I was late again. I am asking please give me this one time good will adjustment I learned from my mistake Ive set up automatic payments with all creditors and been paying on time. The late payments are hindering me from getting approved for a mortgage loan and auto loan which I desperately since my lease is almost over and my vehicle broke down. Please I beg you to consider a late payment forgiveness towards my credit report.

Company response to consumer: Closed with explanation