BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in 2018  up to current about this showing up. I recently got an account with them to help build credit, but didn't have an account with them in 2018. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago. 
This needs to 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: MS
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  XXXXXXXX XXXX account XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C section 602 A. Section 2. 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 an 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 explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion insists on charging to use their services to access the credit report. I am unable to view my report unless I provide a credit card 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 explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: TX
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 shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in XXXX  up to current about this showing up. I recently got an account with them to help build credit, but didn't have an account with them in XXXX. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago.

This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Medical Data Systems, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter requesting information to validate debt for accounts listed by Medical Revenue Service as : Act # XXXX {$360.00} and Act # XXXX. In return, I received a letter that contained my private medical records/information that is a direct violation of HIPPA privacy regulations ( please see attached documents ). I never signed a HIPPA form authorizing them to have access to this information.Also, there is a remaining account that is now listed on my credit as a derogatory, collection account that does not have an account number attached with it for sum of XXXX from XXXX XXXX I was never contacted about this account from the Medical Revenue Service.Since seeing this new derogatory collections, I have contacted the agency requesting validation of debt information and found they have an old address on file. This new derogatory acct in the sum of XXXX has dropped my score by XXXX points on XXXX. As such, I would need them to delete all information of these balances from their collection agency, remove derogatory collection reporting to the 3 credit bureaus, and cease all contact for the above noted accounts to prevent any further repercussion of accessing health information that I did not consent for them to to have and failure to allow me to validate the debt of XXXX that is now on my credit. *All documentation supporting previous complaint can be accessed from complaint 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 2022-11-23
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Other Accounts Equifax # XXXX XXXX XXXX XXXX XXXX XXXX And the Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lived at the XXXX Apartments and lease ended in XX/XX/2023. I provided the correct forwarding address for mail that is still current as of today. Phone numbers are current as well, and email addresses are also current. Not one notice was received, regarding this being placed for collections and I am not sure why no attempt was made. All this information was provided to the property manager XXXX when I turned in my notice to vacate. I had to provide all that information to show my new apartments, I did everything as far as the lease states, such as providing a proper 60 day notice, forwarding address, email and phone number. The property manager then did confront me, asking why I was behind, on my final month, and I did tell her I was unemployed, early in the month of XXXX and if possible, be able to pay the remaining balance I owe and late fees, in increments. XXXX days before XXXX was over, She stated she could break up the amount owed to help me, after she stated verbally, that she was almost a month behind reading emails. So she didnt get my emails regarding my unemployment situation. I know she received them because I kept using the same email trend that she replied too. 

I didnt file a complaint against them either, as I should have, due to the unsuitable living conditions either. Pest infestation, dead roaches inside my fridge, inside my stove, inside my leftovers I would put in my fridge, all the mold that was never removed from the bathroom, that looked it was painted over, the bathroom sink never being fixed after the bad leaking it did, which I stil have the video of, and for not having the heater working at all during the cold temperatures, and I do have witnesses that will validate that I had created work orders, and the issue was never fixed. I had put in a request for the garbage disposal close to the beginning of my lease, and it was never done, I still have all the photos and screenshots. 

I never reported the issue, because I had hoped, since they were new to the property, it would take them a bit to get situated, and I wasnt going to be difficult with them. So I had hoped they would have just worked with me, and let me get this paid before it ever reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Other Accounts XXXX # XXXX XXXX XXXX Experian XXXX XXXX And the Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-09-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX XXXX XXXX have attempted to dispute this erroneous item on my credit report that does not belong to me. Credit Bureaus please choose your words wisely as I will be using this dialog to bring a law suit against you if my request is not granted as this has already caused damage to me and my business. I am requesting the following : 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 - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof you have on file of the accounts listed below. 

Federal Ct XXXX If you can not provide proof please remove this account immediately as this is now my 3rd request over the last 90 days and you have now violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TRANS UNION REPORTING AGENCY IS REPORTING FALSE INFORMATION IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( F.C.R.A ) INFORMATION ON MY CREDIT REPORT IS OUTDATED AND COMPAMPANY FAIL TO REMOVE OR CORRECT THIS INFORMATION. 

THE STATUE OF LIMITATION HAS PASSED, DEBTS HAS BECOME TIME-BARRED CREDIT REPORTING TIME LIMIT THIS INFORMATION SHOULD NO LONGER AFFECT MY CREDIT OR ACCESS TO EMPLOYMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Merchants Acceptance Corp
State: WA
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:
While I was employed I was garnished for almost 2000 $ when calling and trying to make payment I was told I couldn't as it had been sent to a different area in the legal department. I was then on XXXX and received notification that I still owe roughly the same amount. What started as a XXXX debt has been raised to XXXX paid to XXXX and now above XXXX again. Im Currently unemployed and it's a never ending cycle with no resolve In sight. I asked to work out a settlement and was given an amount that was no way feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Failure To Respond To Debt Validation Letter XXXX XXXX XX/XX/2023 Account # XXXX Due to ( The department of education/Nelnet ) your companys failure to respond to my validation of debt request within the 30 day timeframe you are legally required to remove these alleged debts from my consumer report. I have email receipt that your company received my letter request on XX/XX/2023. Your offices confirmed via email that it was received on XX/XX/XXXXXXXX XXXX XXXX  which I have uploaded on this complaint. Which it has now been well over 30 days. Due to your company not validating this alleged debt which you are legally obligated to, you are no longer allowed to continue having this alleged debt on my consumer report. This an official request to have your offices remove the invalidated information from ALL 3 major credit bureaus ( XXXX, XXXX XXXX XXXX ). If I am not mailed completion of this request within 30 days your offices will in fact be in constitute of fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against your company for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

I will be waiting for your companys response Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : 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 Balance : XXXX XXXX DEPTEDXXXX XXXX Balance XXXX XXXX Date Opened : XXXX XXXX DEPTEDXXXX XXXX Balance XXXX XXXX Date Opened : XXXX XXXX DEPTEDXXXX XXXX Balance XXXX XXXX} Date Opened : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
To Whom It May Concern : Capital One sent out billing statements to the credit bureau for the billing statement ranging from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. There was an interest of {$8.00} that accrued on my credit card that was interpreted by the credit bureau as a missed payment. Now showing as a delinquent mark on all three credit bureaus. 

I never had a missed payment of {$8.00} with Capital One. Capital One should not have sent automatically my personal billing statements to the Credit Bureau for additional information that was not specific in relation to a missed payment late at the 30-day mark that is by standard reported late to the credit bureau XXXX 

I spoke with XXXX, Manager at Capital One on XX/XX/, to try to resolve this issue over the phone and was informed, I would need to send a letter in writing to their Credit Bureau Dispute Department to have this matter resolved even though the error is with Capital One and the additional information they provided the Credit Bureau agencies. 

This is an infringement on my privacy and the good faith standard of what information is sent over to the Credit Bureau agencies. 

I would like this matter investigated, and the correction made to retract inaccurate information concerning late payments that were never payments only interest accrued on my credit card with Capital One. 

Due to this incorrect delinquent mark on my credit report, I have not been able to take out a personal loan for a matter that was important for me and my household even though I have a credit score of XXXX as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
DOES ANYONE AT XXXX ACTUALLY READ THESE COMPLAINTS?? OR JUST SEND OUT " CANNED '' RESPONSES? I HAVE ASKED SEVERAL TIMES FOR XXXX TO REMOVE A CHAPTER XXXX BANKRUPTCY FROM MY CREDIT REPORT. 

I HAVE NOT ASKED FOR IT TO BE " VERIFIED '' I AM ASKING FOR IT TO BE REMOVED. 

According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for up to 10-years from the filing date. the filing date was XX/XX/XXXX. 

There are some KEY PHRASES in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 
2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

Since the filing date was XX/XX/XXXX it will be REMOVED XX/XX/XXXX. 
I am requesting it to be removed now according to the FCRA. 

XXXX stated in their last response the following : Mr. XXXX   name, previous address XXXX XXXX XXXX XXXX, MI XXXX and full social security number reported to XXXX by the nationwide consumer reporting agencies. 

In this above statement, again XXXX is " VERIFYING '' the info and that is NOT what I question. WHAT I AM ASKING THEM TO " VERIFY " IN THEIR STATEMENT ARE, THEY INDICATE THEY RECEIVED MY INFORMATION BY THE " NATIONWIDE CONSUMER REPORTING AGENCIES '' WHO? WHICH ONES? 

This statement contradicts what they state in their canned responses in the past that they get the information from XXXX. I have attached a letter that the bankruptcy court has sent to me that they do not report to credit reporting agencies. 

As I stated in this letter I want the bankruptcy removed and if XXXX XXXX can not remove it than I ask WHO has to remove it or WHO do I have to call to have it removed as it has 99. % reached the MAXIMUM time limit from the filing date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: DISCOVER BANK
State: HI
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 have not Supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: TX
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:
Equifax is allowing several accounts to remain on my credit without deleting. 

XXXX  XXXX : No credit limit being shown on paid off credit card. This needs to be deleted XXXX XXXX : This account was paid & its showing the last active date was 2018 which means that Equifax never even investigated this issue. Delete from account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: OR
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:
There are two companies : XXXX XXXX XXXX XXXX XXXX I have never ever had a relationship with these two companies. 

I wrote Experian, XXXX and XXXX and they continue to persist. I told them, I never had a relationship and I never signed any agreements with these companies. 

I sent my letters certified to the 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