BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I tried to file my taxes and the tax professional told me that my social security had been used already to file tax returns. I soon received a call from a collections company as well that I owed them money. Everything was making sense right after. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$4400.00} DPT EDXXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
transunion XXXX  XXXX showing late payments XXXX  times XXXX XXXX XXXX XXXX in XXXX not accurate XXXX  XXXX showing late payments XXXX  times XXXX XXXX XXXX XXXX  showing late payment 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 2022-05-04
Company: EQUIFAX, 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:
On XX/XX/2022 I sent out a letter to all 3 credit bureaus ( XXXX, Equifax, XXXX ) about them reporting several inaccurate names and addresses. I received a response from XXXX on XX/XX/2022 that had an issue date of XX/XX/2022 acknowledging the receipt of my letter but questioning if I had sent the letter or had help. I decided to call of 3 on XX/XX/2022 to request that the incorrect names and addresses be removed. XXXX said they removed all incorrect names and addresses. Equifax said they removed all incorrect names and addresses. When I called XXXX, I spoke with a representative XXXX stated to me " Though you say that name is not yours it is being reported by a creditor and therefore we can not remove that name. '' I stated, " but it's not my name '' and he reiterated that he can not remove the incorrect name. After going back n forth for 10 minutes I asked if I could speak with his supervisor. He continued to insult me and tell me I don't know my laws and refused to put a supervisor on the phone before asking me to hold and then hanging up after placing me on hold.

According to 15 USC 1681s-2, reporting information that a consumer reporting agency is aware is inaccurate after notice by consumer that the information is inaccurate violates consumer rights and therefore XXXX is not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: JPMORGAN CHASE & CO.
State: HI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Due to injury since XX/XX/XXXX, I wasn't earning an income and could not pay my mortgage. Chase Bank agreed to grant me a Forebearance Plan until I returned to work full time, then proceed with a Modification. 
I have faxed the entire required application on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX - expressed mailed on XX/XX/XXXX. Each time, the entire application EXCEPT our signature page was received. The entire application has been again sent, by email today XX/XX/XXXX. Chase has not confirmed this receipt. 
To date, I have spent nearly {$100.00} on copies, faxing services and postage to Chase for my Mortgage Modification Application and to make time to send my documents. 
I am very angry and betrayed knowing our SIGNATURE PAGE HAS GONE MISSING EVERYTIME! I have always responded to Chase in good faith and in a timely manner regarding this Modificationm process I do not understand why the Signature page goes missing EVERYTIME! One would believe it should have been received and processed on the above dates or afterwards as it has been sent to Chase via different methods! 
I have asked many times for advice or a solution to ensure receipt of documents by Chase and was not offered any solution except to keep resending the entire application. 
I am utterly frustrated and don't know where to turn for assistance! 
I hope you can resolve my problem. 
Sincerely, XXXX XXXX Chase Mortgage Loan # XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

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 2021-08-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX of 2021 after I turned XXXX, I discovered that someone has been using my identity to create accounts and I have collections and inquiries on my reports. I have reached out to all XXXX companies and provided all of the documentation that they requested and it has been over 30 days and they have not removed any of the information. There was however a security lock placed on my account asking to call a number first before extending credit and the number is not mine so whoever stole my identity is still using it. I need these credit companies to clear my record and stop reporting false information. 

They have done nothing but help the actual fraudster yet I've submitted my social security car, my birth certificate, my police reports, pieces of mail, and my ID. I do not know what to do and they are of no help to me and I do not want to start my life in the hole because companies decide to report on me w/o verifying anything. There's a direct tv account and XXXX car collections and XXXX inquiries, I wasnt old enough to do any of this. 

I need this remedied immediately. What can I do? Can I sue the credit companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXX/XXXX  ACCT : XXXX AMT : {$130.00} XXXX  XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX   XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: OR
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:
XXXX tracking number letter delivered XX/XX/XXXX I sent a certified letter telling Equifax too fix my credit report XX/XX/XXXX and to remove items that aren't me or shouldn't be on credit report and it's now XXXX and still nothin has changed I'm a victim of identity theft and want my credit to be in order I can't even get a XXXX card XXXX nothin business credit card anything at age XXXX and it's ridiculous. I have sent them a list of inquires that aren't mines and I wanted removed immediately due to the fact I never signed up or gave any company my permission to post anything on my credit report those inquires are fraudulent and don't belong too me I have sent more then one letter I actually sent 3 letters to each credit bureau and it has got me no where also I have a loan from money lion on my credit report that I have paid in full XXXX dollars that is still displaying I owe them money I have my receipts and evidence to prove I have paid them in full 8 months early hoping my credit score would have a boost they only report every 3 months and it's been 3 months and my last report there stating my loan hasn't been paid in full but I'm currently paying on time I paid in full in XX/XX/XXXX my balance should be XXXX dollars. Also XXXX I did the same thing wanted inquires that are fraudulent or I didn't do or ask to be put on my credit report about XXXX inquires of places I've never been in contact with XXXX is the tracking number which my letter was delivered to XXXX XX/XX/XXXX and nothin has been cleaned up. Also it's been over two years for most inquires hard and soft that should by law already have been taken off my credit report that these credit bureau are still keeping locked on my report and I want them all removed my letter or time plus money I've spent sending them letters to fix my credit wasn't a joke and I demand to be taken seriously thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
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: Information belongs to someone else

Complaint:
There are multiple inquiries on my report due to fraud. The only inquiry that belongs on my report is XXXX from XX/XX/XXXX and XXXX XXXX XXXX. That is it. I need those removed. I have disputed them via Transunion and they refuse to remove them.. I have attached my police report and my dl. The same for XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Jp Morgan chase is valid. I need these removed asap.

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 2018-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and XXXX XXXX XXXX. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.

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 2023-07-22
Company: Experian Information Solutions Inc.
State: TX
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:
Subject : Validation of Debt Inquiry - Account Reporting Dispute Dear Sir/Madam, I am writing to dispute the accuracy of certain information appearing on my credit report. According to the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g, I hereby request validation of the debts associated with the following accounts : Account Name : Personify Account Number : XXXX Account Name : XXXX Account Number : XXX Account Name : XXXX XXXX Account Number : XXXX After carefully reviewing my credit report, I have noticed that the aforementioned accounts have been reported, but I wish to assert that I have no knowledge or recollection of these accounts. As per the FDCPA, I have the right to request verification of the debts to confirm their validity and accuracy. 

I dispute the accuracy of the account number, high balance, and any late payments associated with these accounts, as they do not align with my financial records and do not meet the guidelines established by the Fair Credit Reporting Act ( FCRA ). As such, I am seeking detailed information on the origin and validity of these debts. 

In accordance with the FDCPA, I kindly request the following information for each account : The complete account history and details of the original creditor, including the date the account was opened and closed ( if applicable ). 
Verification of the debt amount, including an itemized breakdown of the outstanding balance, interest charges, and fees. 
Documentation proving that I am legally obligated to pay the alleged debt. 
A copy of any signed agreement or contract pertaining to the debt, bearing my signature, that confirms my acceptance of liability for the alleged debts. 
Proof that the statute of limitations for collecting this type of debt has not expired. 
Please be informed that until these requested details are provided, I expect that the disputed accounts be flagged as " in dispute '' to prevent any negative impact on my credit score and creditworthiness. Additionally, I request that all communication related to these accounts cease until their validation is completed and the accuracy of the reported information is verified. 

Kindly acknowledge receipt of this dispute letter within 30 days of its receipt. If you fail to respond or provide the requested validation within the stipulated timeframe, I reserve the right to seek legal remedies available to me under the FDCPA and FCRA. 

I have enclosed a copy of my credit report highlighting the disputed accounts for your reference. Thank you for your prompt attention to 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 2022-12-30
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2018-09-10
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My information has been sold to a third company which turns out to be a fraud law office " XXXX XXXX XXXX  XXXX " the date on my credit report shows XX/XX/XXXX this company has two of my medical bills one at {$63.00} and the other {$1300.00}, I have not received a notice in the mail about this from the collections agency that was assigned my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: AL
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 sent out a dispute letter to XXXX XXXX XX/XX/XXXX and they received the dispute XX/XX/2023 I asked of them to foster any information that can not be property verified due to me being a victim of identity theft also with the request a police report and identity affidavit was sent along with my identification, I recourses a letter from XXXX XXXX XXXX XXXX starting that the accounts came back verified and accurate when how so if they did not send any proof of how they validated any debt anything from the original debt collect or a valid signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts vou post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is in regards to my Target XXXX credit card. I made a payment on XX/XX/XXXX of {$100.00}, the amount cleared in my personal checking account on XX/XX/XXXX. However, Target XXXX has not reflected the amount to my credit limit availability. On XX/XX/XXXX, I called to speak with customer service representative, I did not receive an exact answer why the credit availability was not updated nor how long it was going to take to clear. But I was told that I can call my bank and conference call with Target to verify the amount? I did not have time to stay on the phone to do that. As of date it still not updated.

Company response to consumer: Closed with explanation