BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
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 information incorrect

Complaint:
On XX/XX/XXXX I informed Transunion of an old closed account from XXXX XXXX that continues to report incorrect past due amount and balance. The account has been closed for 10 years, their " charged off '' amount from XX/XX/XXXX was CANCELLED by the IRS on XX/XX/XXXX XXXXode G : due to LAW & policy after 5 years of me sending complaints. I notified both XXXX and Transunion that the balance being reported never existed and there is no past due amount as anything relating to this account was cleared in XX/XX/XXXX yet for some reason a balance kept being reported that was more than the original charge off and cancellation. I was never late on this account to begin with. They failed to send my bill, improperly processed payments and reported inaccurate data and the whole issue is OLD! It looks like XXXX did report the balance and past due as {$0.00} on XX/XX/XXXX, but Transunion sent me a credit report still showing the bad data on XX/XX/XXXX. I called Transunion and the agent told me that the negative item was removed but my report wouldn't refresh until XX/XX/XXXX when the dispute officially closes. He suggested I check XXXX XXXX on the XX/XX/XXXX to see the change and I did see that the balance and past due were put to {$0.00} and my score went up. The agent told me the new data would be effective immediately and I could apply for credit after the XX/XX/XXXX but when I applied to XXXX XXXX XXXX on the XX/XX/XXXX for a business credit card for my business that has been on hold all year cause I can't get a business credit card to charge needed materials and inventory with business buying protection, I was rejected. Apparently, XXXX did NOT receive the refreshed credit report, they got an old one with outdated, inaccurate data and a much lower score than anything shown to me.

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 2023-11-14
Company: EQUIFAX, INC.
State: CA
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 do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
For my Experian Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXXXXXX XXXX XXXX specifically ) There are also inquiries on my XXXX Report that I dont recognize as well

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In Accordance with the fair reporting act creditors have violated my rights. Under 15USC1681 Section 602 States I have the right to Privacy. 15USC1681 Section 604A Section 2 It also states can not furnish an account without my written instructions. A Credit reporting agency Under 15USC 166B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

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 2023-02-07
Company: Kikoff Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Message from Kikoff related to your Claim with XXXX XXXX We received a dispute from you on XX/XX/2022 totaling {$200.00} for the following transaction. 

Unfortunately they haven't responded or done anything to address the this dispute. 

THE TIME FRAME OF 2 COMPLETE BILLING CYCLES WAS ON XXXX I've called over and over and even when I tell them that the FTC has federal regulations about this and that they're in violation of it. They still don't care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NC
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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:
An identity thief opened a fraudulent account for {$500.00} with XXXX in my name around XX/XX/XXXX. XXXX and XXXX have removed the fraudulent account from my credit, however Experian listed XXXX as a chargeoff for {$740.00} and it is negatively impacting my credit by lowering my credit score 150 points. It is making it difficult for me to apply for an apartment lease. I contacted XXXX on XX/XX/XXXX and they told me that Experian made a mistake in listing it as a chargeoff instead of removing it from my credit, but they refused to help me any further. XXXX stated that they would contact me within 24 hours of XX/XX/XXXX but they never called me back. Attached are my credit scores from XXXX and XXXX, my dispute results showing that this fraudulent account with XXXX was removed from my credit with XXXX, and the ID theft affidavit that I sent to XXXX around XX/XX/XXXX. XXXX never attempted to contact me to verify my identity before opening this fraudulent account in my name. I never signed any agreement with XXXX. XXXX makes it too easy for identity theft to occur and they are very unhelpful in assisting in correcting the identity theft situation that they have created.

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 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX  XXXX  XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 tried over 67 times contacting the bureaus of fraudulent inquiries and accounts reporting I even submitted identity theft reports to each credit bureau I have done so by phone and by hand written letters my children and I are looking for a place and due to credit we are in the shelter facing homelessness please look into this and remove an accurate fraudulent information please and thank you. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$9200.00} Closed CREDIT CARDS XXXX Reported : XXXX XXXX XXXX + {$0.00} Closed STUDENT LOANS US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX + {$6100.00} Closed US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX + {$3900.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed Unauthorized fraudulent inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing A collection account XXXX XXXX Reported : XXXX XXXX, XXXX + {$480.00} Needs Attention

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 2022-04-21
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:
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. 

XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax changed my personal information without a request from me, without my consent and without my authorization. Equifax now refuses to correct their mistake or provide any information as to why my personal information to substantiate why my information was changed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: TN
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.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion will not delete an account that has been forgiven. It is showing a derogatory status of owing a balance of XXXX. I have included a letter from XXXX XXXX stating that not only was the balance that they are reporting is incorrect, but also that it has been forgiven. This is damaging to my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a 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 2023-08-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was paid. Ive contacted XXXX, Equifax and XXXX XXXX on numerous occasions disputing this negative account. I hear nothing back. Another credit reporting agency did a correct investigation found this should not be on my credit file and removed it. I expect the same from XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was five ( 5 ) withdrawal transactions on XX/XX/XXXX " out of my account by XXXX '' which I did not authorized. I NEVER use XXXX, I don't know anything about XXXX. I reported it to Bank of America ( BoA ) Fraud department immediately on XX/XX/XXXX. Below are the transactions XX/XX/XXXX XXXX XXXX withdrawal {$150.00} XX/XX/XXXX XXXX XXXX withdrawal {$310.00} XX/XX/XXXX XXXX XXXX withdrawal {$310.00} XX/XX/XXXX XXXX XXXX withdrawal {$330.00} XX/XX/XXXX XXXX XXXX withdrawal {$620.00} The Total amount withdrawn by XXXX is {$1700.00}. 

I wrote a letter and an e-mail to XXXX XXXX, Retail Client President XXXX BoA respoded with a letter after their investigation and said they can not reimburse me for this FRAUD transaction and they closed the case. 
The case # is XXXX XXXX. 

Please keep in mind that I have NEVER authorized these transactions nor did I ever received any TEXT messages to authorized this. I never use XXXX for any money transfer withdrawal and I have been a customer with BoA for 18 years. 
Please help me recover my money from this FRAUD that occurred on my account by BoA/XXXX. 

Thank you very much, Kind Regards, 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 2022-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
Capital One is reporting multiple accounts to my credit ratings which are not mine dispute my numerous disputes, online inquires to validate, XXXX complaints and bureau disputes over the course of 4 years.

Company response to consumer: Closed with non-monetary relief