BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
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 obtained and looked over a copy of my credit report for review and I noticed that there are some fraud accounts listed on my report. I have attempted to resolve this matter with the credit bureau to rectify this affair but they have been, dismissive and negligent in regards to complying with my request for correction. The disputed information is not related to any transaction made by me. These accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. I have not had a good experience trying to resolve these issues. In the dispute I have highlighted key areas of importance in the colors red and blue. I wrote clear statement outlining the problem, accounts, what the violation is, how it was violated, what was not done to protect me, and references to support my standpoints with validity. I have requested my full information on file. The credit reporting agency has yet to send me the disclosures requested according to 15 USC 1681g : Disclosures to consumers ( a ) Information on file ; sources ; report recipients

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Several credit card accounts have been opened, closed, placed in collections and acquired debt without my knowledge whatsoever. I am in the process of disputing everything in order for my credit to be repaired and restored. I have had some removed but I was told to continue by going through this process in order to prove my innocence. I'm looking to have this done as fast as possible, being that it is directly impacting my livelihood. As of XXXX, I have filed multiple disputes with credit card bureaus but I can not keep up with it all so I'm looking to take this step and receive some assistance.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was paid in full and closed. XXXX shows accurate information. However, trans Union and XXXX showing as charged off as bad debt and never paid. ACCT NAME : XXXX XXXX credit card.

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 2023-10-06
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted an complaint on XX/XX/2023 with XXXX XXXX XXXX XXXX XXXX. 

I am requesting the Original Purchase Agreement from XXXX XXXX who was the original creditor with this debt, with all the terms and conditions. 

Please provide me with Original Purchase Agreement that your company ( FAIR COLLECTIONS & OUTSOURCING INC ) received from XXXX XXXX before you received this debt.

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 2023-06-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, 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 certainly requested my free annual credit reports from the three major credit bureaus, Experian, XXXX and XXXX. Upon going over every detail of the three reports from the three bureaus. I continue to find out that these credit bureaus seem to be tracking where I have previously lived for nearly 20 years or less. They have my current residence which is permanent for the past eight years, and same phone number for the same length of time and employment status, retired for eight years as well. By presenting this information on all of the three credit reports I have requested and received. I feel as though this is a form of invasion of my privacy, no need to keep tracking me at each and every place I have lived or been employed for years at a time. This information on my three credit bureaus credit reports needs to be updated and removed. I am permanently living at the same address, phone number, and employment status since XXXX Why are they tracking my movements for such a long time on my credit file?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems in the amount of XXXX ( XXXX XXXX ). I have reached out to them several times informing them that I have no debt with this company or original company. Transworld Systems have stated the debt was valid and that is untrue. The name on the account and personal information such as social and dates etc are not mine. It also was during Covid-19 and I'm not sure who or why my identity may have been compromised. Again, the names and personal information don't belong to me. I want this to be removed from my credit report. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Companies like Fortiva shouldn't be in business. This company have absolutely nothing to offer customers but alot of Fees and not even during COVID-19 do they have anything to offer customers and this is the only so called credit card that have nothing to offer customers. They also report you to the Credit Bureaus the day after Lying that your payment is late which they've already caused my credit score to drop drastically. They have these XXXX phone agents who barely can speak any English and who don't Comprehend English either so they Lie and make things up as they go along. I also included a screenshot to prove this XXXX  company charged me the same day i made my payment the same day the bill was due. This is why i stopped even using there card and if it wasn't for COVID-19 i would've been paid this card off and stopped dealing with this XXXX  company. I'm being charged a {$40.00} Late Fee for paying my bill the day it's due. On XX/XX/2021 Fortiva charged me a Late Fee the same day the bill was due. On XX/XX/2021 when i called and requested the Late Fee be removed i got the run around. I spoke to a Supervisor name XXXX  who sat there and said she could have the {$40.00} Late Fee removed right then and there yet as of XXXX the Late Fee is still on there. 

Fortiva have a cut off time of XXXX XXXX and yes i made my payment after XXXX XXXX but it was paid the day that it was due yet they charged me a {$40.00} Late Fee the same darn day. I'm sick of so called credit card companies trying to give a cut off time then charging a Late Fee the same day. These people are XXXX and XXXX and they act like they don't Comprehend well. You have one XXXX name XXXX who tells me he don't have a clue what i'm talking about. It seem that none of these XXXX phone agents know anything and they're very XXXX and try to be very Sarcastic while being XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each XXXX XXXX XXXX regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 1. I am disputing this account for inaccurate information because you are reporting the date of the last payment incorrectly. 
TransUnion is reporting the date of last payment as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. If this isn't reporting correctly then this means the date of first delinquency is wrong as well as manipulating the statute of limitations XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 2. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. TransUnion is reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account XXXX : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 2022-11-26
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclay 's Upromise Mastercard has had my credit limit at {$16000.00} for years. I only had around {$700.00} dollars charged on my card. I have never once missed a payment. My credit score is good and hasn't changed much in years. Out of nowhere, for no real reason besides nonsense that they made up, they reduced my credit limit down to {$1000.00}. Clearly this was done because they think the economy is headed for a recession, but my income has only gone up, and much of it is fixed as I am a XXXX veteran. What they did hurts my credit dramatically by reducing my available credit and changing the percent of credit I am using by an enormous percentage, which then creates a snowball effect with other credit cards. I emailed them on XX/XX/22, and asked them to please change it back to what it was and they sent me an email saying I could request a credit limit increase, but warning me that it would be a hard inquiry and that would hurt my credit. What Barclay 's Upromise Mastercard is doing is wrong and it hurts consumers. Whatever their made up reason was for this action isn't a real reason, and they should change my limit back to what it was before it destroys my credit. Credit card companies shouldn't be allowed to destroy a consumer 's credit when the consumer has never done anything but pay their bills on time.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Their investigation did not fix an error on your report

Complaint:
Credit bureaus reporting inaccurate information on my credit report regarding closed accounts and balances. Acct name : XXXX. My account is paid/ never late and closed which is accurately being reported by XXXX. However, Transuion and XXXX reporting charged off and late.

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 2023-06-27
Company: EQUIFAX, INC.
State: IL
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX : {$8100.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is not mine!

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 2023-04-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting 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, 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 1681 c. ( 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 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the below mentioned Credit Reporting Agencies in reference to adverse information reporting in my credit file. I have disputed on two other occasions and have also filed a complaint with thee CFPB and the reporting agencies have not sent the proof, documents or paperwork that was used to verify that these accounts belong 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 2023-07-24
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation