BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 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 2019-02-13
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:
I have disputed inaccurate accounts on my credit report with Equifax more than four times. Where they have resolved some of the items they refuse to resolve the remaining. I am continuously told they have verified the remaining accounts however when I request the method of verification/validation they instruct me to reach out to the creditors reporting the items. I am currently unemployed and these inaccurate items are seriously damaging my credit standing and preventing me from securing employment. 

DISPUTES DATES AND RESULTS 1. XX/XX/XXXX - One account Deleted 2. XX/XX/XXXX - Four accounts Deleted 3. XX/XX/XXXX - Equifax initiated a Fraud Alert on my credit file. 
4. XX/XX/XXXX - Deleted accounts Added back 5. XX/XX/XXXX - Request for Method of Verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: Radius Global Solutions LLC
State: MO
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 IN XXXX I LOST MY WALLET AND IT HAD ALL MY PERSONAL INFORMATION STOLEN. IM STILL TO THIS DAY SEE CREDIT CARDS POP UP IN MY NAME AND I DONT KNOW HOW. I REPORTED THIS PROBLEM TO ALL THE CREDIT BUREAUS NOTHING. THE ACCOUNT SAYS IT IS CLOSED BUT YET IT REMAINS ON MY CREDIT REPORT WHICH IS AFFECTING MY LIFE. I CANT GET A CREDIT CARDS, LOANS A CAR A HOUSE AND IM TRYING TO BUILD MY CREDIT. IT WAS IN THE AMOUNT OF XXXX FOR XXXX XXXX IN XXXX AND THAT WAS THE LIMIT. IT SAID IT WAS CHARGED IN XXXX .IVE BEEN IN CALIFORNIA FOR THE PAST 5 YEARS. THEY SAID THEY WOULD REMOVE IT AND IT JUST SAYS CLOSED ACCOUNT ON MY CREDIT REPORT. ALSO XXXX XXXX   I LOOKED THEM UP I GUESS THIS PERSON TOOK A LOAN OUT FOR XXXX IN KS.ALSO XX/XX/XXXX FOR XXXX XXXX  NOT SURE WHAT THAT IS BUT ITS IN THE AMOUNT OF XXXX ALSO XXXX XXXX IN THE AMOUNT OF XXXX. PLEASE IM JUST TRYING TO GET THIS ALL RESOLVED SO I CAN MOVE FORWARD WITH MY LIFE. I HAVE A XXXX XXXX XXXX XXXX  AND JUST GOT ENGAGED. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 2020-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
I checked my credit reports through XXXX XXXX and XXXX. I have two credit cards with USAA and on all my credit reports, it shows that one of my credit cards has been closed. USAA said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I been calling and sending this company certified letters since XXXX of 2020. This {$96.00} debt is not mine. I don't have a contract or agreement ever with this company. This collection is on my credit report and destroying my 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 explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing in concerns to my credit report which reflects a lot of un authorized and fraudulent accounts. i am a victim of identity theft. Please block and remove all inquires and fraudulent accounts and charges. I would like to have my credit report accurate. Please block these fraudulent information from my credit report, pursuant to section 605B of the fair credit reporting act,.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Additionally, I have reached out to the furnishers and they agreed to remove the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each account name above 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 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 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX PI XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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: Account information incorrect

Complaint:
I follow my credit report almost daily and the credit reporting agencies are not factoring in correct information to obtain my score and it keeps it low and substandard so I can not obtain reasonable interest rates because of their unfair reporting. 

I have an XXXX cold that gets paid off monthly and has no credit limit but my report shows XXXX  limit which directly and negatively affects my score because it appears as though my available credit is lower than what is truly available. 

They can not answer my question when asked and it was previously reported with a {$6000.00} available credit but per XXXX they are not supposed to report a limit for a GOLD card so when that changed my Experian listed it as a negative impact as if my " available limit had been lowered or closed " I can not get help from anyone with this issue and my credit score has literally dropped into subprime >. HELP PLEASE

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 2023-03-20
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: Investigation took more than 30 days

Complaint:
On ( XXXX/XXXXXXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-23
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS IS THE LAST REQUEST FOR SOMEONE IN YOUR PLACE OF BUSINESS TO READ THE BANK STATEMENTS SENT MANY TIMES TO YOUR BUSINESS. 

WHILE YOU THREATENED TO ACCELERATE MY LOAN XX/XX/XXXX, FOR YOUR COMPANY NOT ABLE TO FIND ACH PAYMENTS FOR XX/XX/XXXX AND XX/XX/XXXX. 

THIS HAS CAUSED ME TO lose A JOB, MUCH XXXX AND MUCH WASTED TIME FOR YOUR INACCURACY OF MANAGING A HOME LOAN! 

ATTACHED AGAIN, IS MY XX/XX/XXXX AND XX/XX/XXXX WHICH PROVES AGAIN THE PAYMENT MADE TO YOUR COMPANY SETERUS , INC . SO I PAID YOU THE {$2000.00} YOU REQUESTED FOR OVERSITE OF MY PAYMENT! 

INSTEAD OF MENTIONING XX/XX/XXXX NON PAYMENT, HOW ABOUT YOU APPLY THE OVERAGE OF {$2000.00} SINCE MY BANK AND BANK STATEMENTS PROVE I PAID. 

{$2000.00} LESS {$1100.00} FOR XX/XX/XXXX LEAVES {$940.00} THE WAY I SEE IT! I OWE YOU NOTHING UNTIL YOU ADMIT OF YOUR MISTAKE LET ALONE THE HARDSHIP YOU PUT ME THROUGH FOR EIGHT MONTHS! 
MY MORTGAGE IS DUE ON OR BY THE XXXX OF EACH MONTH! SO I DONT OWE YOU NOTHING UNTIL YOU GET THIS FIXED! YOU ARE OVERPAID! 

NOW YOU WANT TO TALK ABOUT INTEREST FOR EIGHT MONTHS AND HARDSHIP YOU CAUSED? 

I HAD TO BORROW MONEY NOT NEEDED FOR YOUR MISTAKE. I HAVE CONTACTED XXXX LEGAL DEPT. LETTING THEM KNOW AND THEY HAVE TOLD ME SETERUS, INC HAS THE MONEY! SO THEY ARE INVOLVED NOW! 

FIX THE PROBLEM SINCE MY ACCOUNT IS OVERPAID AND MY STATEMENTS PROVE IT! DO NOT SEND ANY MORE THREATENING LETTERS UNTIL YOU FIX THIS PROBLEM AND STOP WASTING EVERYONE 'S TIME FOR YOUR MISTAKE! 

I SENT THESE STATEMENTS BACK IN XX/XX/XXXX AND YOU HAVE STUMBLED YOUR FEET WITH EVERY EXCUSE WAITING TO GET MONEY NOT NEEDED! 

I DO NOT WANT TO HEAR NO EXCUSE WHEN YOUR PRYOR LETTER THROUGH CFPB SITE INDICATES THE {$2000.00} WAS FOR XX/XX/XXXX AND XX/XX/XXXX WHICH SETERUS COULD NOT FIND. 

FOR THE RECORD, YOU WILL GET NO MORE BANK STATEMENTS WHEN MY BANK PROVES TO ME THE ACH WENT THROUGH. MY STATEMENT IS MY PERSONAL BUSINESS! 

MY CONTRACT READS I HAVE TO PAY MY MORTGAGE, BUT IT DOES NOT READ I HAVE TO OVERPAY A SERVICE PROVIDER WHEN THEY CANT FIND ACH PAYMENTS! FIX IT! 

XX/XX/XXXX XX/XX/XXXX ACH {$1100.00} DO YOU SEE IT? 
XX/XX/XXXX XX/XX/XXXX ACH {$1100.00} DO YOU SEE IT?

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 2023-11-20
Company: Experian Information Solutions 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:
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 a 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 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 2023-11-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: In progress
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief