BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon a recent review of my Consumer Reports I observed that for my account with XXXX XXXX XXXXXXXX XXXX XXXX a late payment is being reflected in XX/XX/2022. 
I have never submitted a late payment for this account : Name : XXXX XXXX XXXX/ XXXX XXXX Account Number : XXXX Consumer Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 USC 1681i ( 5 ) the credit agencies are required to modify any and all accounts that are not reporting correctly. 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.

This account currently reflects several reporting inconsistencies and inaccuracies across the three credit bureaus ( XXXX, TransUnion, and XXXX ). For this reason I am requesting an investigation and verifiable proof ( with statements ) that a late payment was made on this account. If proof can not be provided, I demand this LATE payment status be corrected and updated to accurately reflect that an ON TIME payment was made for XX/XX/2022. 

Sincerely, 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I received my credit report on XX/XX/2023 and I noticed there were hard inquires that don't have permissible purpose to be on there. These hard inquires are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have attached the hard inquires that don't have no purpose to be on my credit 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 2023-09-21
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 belongs to someone else

Complaint:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TX
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
I am not liable for the debt associated with XXXXXXXX XXXX XXXX  Texas. I do not have a contract with XXXX XXXX XXXX XXXX, and they have not provided me with the original contract as requested. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I move from XXXX XXXX XXXX to XXXX, I phone XXXX   to move my service they talked me into XXXX XXXX they opened the ticket to have a tech to come and set up service a month after I moved. in the mean time what i was tols was my last bill with XXXX was paid and I waited for my serivce visit for XXXX XXXX. The tech came looked around asked me a few questions and said sorry I can't do anything there is a tree in the way the dish won't get service. So he said he canceling my service ticket and I would have to call XXXX to get my service started. I was upset about the horrible service that I received my sister in-law who lives with me called and had comcast come out and provide us with servie and we have had that service for the last 4 years. I never heard a word from XXXX XXXX until i started to build my credit so I can buy my car. Then I seen on my credit report that I have an outstanding bill for XXXX XXXX when i asked for copies of the statements or evidice of my dispute. they won't provide me with any information they just say they have proof. why should I pay for an employees mistake and not properly taking care of the close of my account or not providing me with proper information on my account. why wouldn't they follow up and see that I have never turned on a box or the fact my service request was cancelled. where is there dudligence. this not the first I have heard of the poor service by XXXX. my fiance wasn't getting service for over a year and paid her bill and XXXX didn't even bother to address her wasted money or try and offer her a discount. they brushed it under the rug and accepted no resposiblitiy just as they are once again. They need to stop outsourcing their call centers to the XXXX so that there American clients can get their issues resolved or is that part of their whole fat cat plan. cause confusion and get the consumer in the end with faulty informaition, errors, language barriers, frustration, and deniablity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: WELLS FARGO & COMPANY
State: NV
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:
I have always made every payment on this Wells Fargo account on time and I was assured of this because the payment arrangement was made via WF " auto-pay '' system.I was told that due to a glitch I their own system a payment was not recorded properly and I now was showing a late payment on my and my husband 's ( XXXX XXXX ) credit records. I had believe them when they discovered it and said they were responsible for it, yet they have never corrected the late payment on mine or my husband 's credit files with the ( 3 ) credit bureaus.

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 2023-05-05
Company: EQUIFAX, INC.
State: NV
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 want to file this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was working for the State of Maryland beginning XX/XX/XXXX, a qualified employer for the PSLF program. I sent in my certification forms for the program and I had been in touch regularly with Navient, who my loan servicer for my Federal Student loans. I completed my annual forms since the beginning to maintain my payments I received something in the mail that my account was transferred to XXXX  XXXX as a result of receiving a PSLF employer certification form. I was confused as I have been completing the forms and my recertifications. I sent a copy in XX/XX/XXXX of my forms dated from XX/XX/XXXX to Fed loan who provided me with my eligibility statement showing I had only made 13 qualifying payments. They advised me that the previous servicer was who reported the qualifying payments. I contacted Navient and launched a complaint for a new review of my qualifying payments because I had been in regular contact with them and was unaware of any possible problems. I received a response letter dated XX/XX/XXXX that my account was transferred to XXXX  XXXX  on XX/XX/XXXX as a result of receiving a PSLF certification form ( as if this was the first time, but I digress ). It went to also say that my repayment plan had a series of postponement that did not qualify under the program. I am finally advised after all these years that my Payments were not qualifying payments from XX/XX/XXXX to XX/XX/XXXX because I was on deferment. I went back in my records and the earliest document I had saved was dated XX/XX/XXXX reminding me that my current 12 month IBR plan period will be expiring soon and to reapply before XX/XX/XXXX. So I know I had the proper IBR repayment plan in XXXX with Navient and PSLF forms were sent in from my employer. Why in XXXX was my loan transferred to XXXX  XXXX  when they say they received my employment certification form. I was XXXX so I asked the ombudsman if they could pull any recordings of my conversations with Navient because I had lost upwards of 18 payments obviously to a misunderstanding of some sort and how can we confirm that I was given the wrong information. It has recently come to light that there have been deceptive practices with student loan servicers and I would like a independent review of my particular situation because I feel that the payments should have been credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had identity theft and I reported it to the police on XX/XX/2023, I sent this information to the credit bureaus together with my identification and they tell me that they did not receive this information, only the letter, which is not correct. 

I demand that my consumer rights be enforced and that my case be investigated since I do not want to wait any longer. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: Debt Recovery Solutions, LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 2023-09-05
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or list of inquiries 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 2020-08-11
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:
MY INFORMATION WAS USED FRAUDULENTLY TO OPEN FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME THEY DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Date XX/XX/2023 Amount {$710.00} Collection Agency ( XXXX  ) for ( XXXX  XXXX ) I paid this debt in full. I never got a reciept from the company, stating I paid in full, I had to call and ask for paid in full document. I consistenly asked XXXX  XXXX and XXXX to remove it off my credit report and its a cat and mouse were collection agency is saying XXXX XXXX has to do it and visversa. I'm getting nowhere please help.

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 2020-08-11
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 credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX {$7400.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$110000.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX  XXXX {$1700.00}

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 2021-02-05
Company: CITIBANK, N.A.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX and Macys. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$92.00}. The Account Opened is Macys Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXI have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing this letter to express my serious concern and objection to the continued furnishing of the above-referenced account by your agency on my consumer report. As per my understanding, this account is reporting past the statute of limitations in the state of Georgia and is adversely affecting my credit history. 
On XX/XX/XXXX, I had submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) regarding this particular issue ( copy of the dispute letter attached for your reference ). 
Despite my previous attempts to rectify this matter, upon reviewing the notification from Transunion on XX/XX/XXXX, I was astonished to find that the account still appears and your agency states that the account was verified even though it is past the statute of limitations. 
According to your records, the account was updated based on the information provided by the furnisher. However, this information is well past the statute of limitations. The most recent report reflects that the Date of Last Activity was XX/XX/XXXX and the Date Closed was XX/XX/XXXX. This information suggests that the account is over nine years old, which is beyond the credit reporting time limit as set by the Fair Credit Reporting Act ( 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