BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
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: Account information incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishesand after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed  below.Under  the Fair Credit Reporting Act,  15 U.S.C. 1681g I have the right to demand that you disclose to me all of the docume nts that you have recorded and retained in your file at the _me of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd parties you  are damaging my reputation and credit worthiness.Under the FCRA  15 U.S.C. 1681i, all unv erified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or 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 2022-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm responding to CFPB case # XXXX XXXX case XXXX XXXX There was no place to add additional documents This case in hand was dismissed by XXXX, XXXXXXXX XXXX XXXXXXXX then vacated by XXXX municple court therefore it should be removed from my credit report by all 3 reporting agencies As I've stated previously I was XXXX from XX/XX/XXXX until XX/XX/XXXX and my balance with XXXXXXXX XXXX on XX/XX/XXXX was {$0.00} Someone stole my credit card when I was XXXX and used this card Document # 10 shows that on XX/XX/XXXX, I had been XXXX since XX/XX/XXXX which had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX The statement from XXXX shows that I had a XXXX balance in XX/XX/XXXX and the charges started coming during XX/XX/XXXX Which is 6 months after I had been XXXX  XXXX in their response states someone made a XXXX  call payment which was for {$26.00} and {$45.00}. So they think that makes me responsible for an additional {$9000.00} on other credit card purchases for one I was only one of millions of people throughout the united states XXXX therefore anyone of millions of people could have made those XXXX calls for them and I'm quite certain if the person who stole my credit card information is stealing credit information, they more than likely know several other people in XXXX Another example it states on XX/XX/XXXX my credit card made a {$150.00} payment to XXXX public schools ( XXXX ) why would I make a payment to XXXX I didn't even have a kid in XXXX in XXXX This is mere common sense if I was XXXX how or why would I let someone run up my credit card. I hadn't been doing that with my credit. My XXXX XXXX on XX/XX/XXXX was a XXXX. 
So after all those years of timely payments and building my credit score, all of sudden I just stopped caring about my credit score and let someone else run my card up. That literally makes no sense.

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 2023-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first 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 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 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 2022-12-14
Company: Experian Information Solutions Inc.
State: AL
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied aka    XXXX   XXXX   XXXX  . They have a wage garnishment &amp; have intercepted my  tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  -  XXXX  calls

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 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America continues to charge overdraft fees to my checking account for charges that have not posted to my account, most recently on  X/X/17   . Only when I spend  30  minutes on the phone to point out to a customer service rep and supervisor this unfair practice will they correct 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 2022-10-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The accordance with Fair Credit Reporting act this accounts has violated my rights. XXXX XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A section2 : 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 2017-05-05
Company: NCB Management Services Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a previous complaint about this company. Complaint number :  XXXX  on  XX/XX/2017   . They admitted to purchasing the debt from a company called  XXXX . They admitted to attempting to collect the debt they had purchase. They sent me mail containing information of a car purchase. Non of the information mailed to me contain a contract between me and NCB management. I have notice this collection has come off of my  XXXX  credit report, yet remains on the other bureaus credit report. As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  NCB MANAGEMENT SERVICE l icense. I have found they are in direct violation of  TENNESSE  FAIR DEBT COLLECTION PRAC TICES ACT 62-20-101. NCB MANAGEMENT SERVICE does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescr ibed by the board.  TEN  NESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. NCB MANAGEMENT SERVICE is in  direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In  XXXX , I was unemployed and became past due on my student loan. This information was reported to the credit agencies.  Navient re ports that I was approx. 200 days past due. In  XXXX   XXXX , I submitted appropriate documentation to resolve the past due account which was back dated to  XXXX   XXXX   XXXX . I then enrolled in school in  XXXX   XXXX . I recently contacted Navient to obtain documentation that the account issue was resolved in  XXXX  and became current. Navient indicates that I was not sent a notice indicating that I applied for an unemployment hardship deferment. I have had a difficult time obtaining documentation that my student loans were current in  XXXX   XXXX -todate in  XXXX .     The past due account was reported to the  XXXX  credit bureaus. In order to obtain a professional license today, the state license committee is requiring me to submit documentation that my student loan past due accounts were resolved and have since been current. I have had a difficult time obtaining this information. Navient employees had been rude and have provided incorrect information concerning my accounts. I need to resolve the matter as quickly as possible.     In addition, I would like to know why the back-dated documentation resolving the past due amount did not prevent the account from being reported to the credit bureaus as a negative transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
SageStream - never heard of them until today. Claims my credit is too low to get a car. When tried to get a copy of my report, it says I have to submit a lot of personal information by mail. Feels very scammy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: CT
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, 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 2017-05-05
Company: Enhanced Acquisitions, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
MY ENTIRE FAMILY HAS HAD PROBLEMS WITH  XXXX  CALLING CELL PHONE.   JUST RECENTLY CALLED MY CELL 6 TIMES IN 1 DAY AFTER TELLING TO STOP AND THEN SENT LETTERS SEE ATTACHED.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-24
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:
This company is reporting to my personal credit report when the loan was sold to me as a company vehicle loan being reported to the companys report not showing up on my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I pay my Insurance and taxes separately, they placed an escrow account, raised my payment, and refuse to remove even thought I have nnumberioulsy submitted proof of payment. They are reporting me delinquent, killing my credit score and creditor 's have closed my large account and cut my Credit limits destroying my character.

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 2023-04-13
Company: EQUIFAX, INC.
State: IN
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:
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 explanation
Consumer complaint received 2017-05-05
Company: Grant & Weber
State: CT
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 had a loan though  XXXX   XXXX   XXXX  and I was late and I called and made payment arrangements with a loan broker at  XXXX  and I was making extra payments and I was gon na pay it up to date on that Tuesday and they took it on that Sunday. They fired the broker and never got a hold of me and tell me so for that I do n't think it 's fear what they did. Now I have it on my credit report  3 time s and  XXXX  of they are bad. From  XXXX   XXXX  and also o n Grant and Webber.

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 2019-06-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
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 was checking my XXXX report and none of those inquiries belong to me. I need to get this removed since this is affecting my ability to get a house loan and even open a checking account under my name. I need assistance with this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Madam/Sir, I would like to address this concern to Transunion and XXXX 's agency for the second time because I needed this one remaining fraudulent account to be taken off of my credit report. I have already informed these agencies in my previous letter that someone has made a transaction with this account that made use of my identity to which I have no knowledge about. This was already reported back in XXXX  and I was expecting that this will be resolved immediately. 

XXXX XXXX XXXX -- -- -- -- -- -- Account # : XXXX XXXX has already DELETED this account from their record back in XXXX, and I trust that all consumer reporting agencies are only reporting to one furnisher of information. I dont understand the miscommunications and the disconnections here between them and the furnisher. Why has XXXX been able to deal with this matter yet these other 2 credit bureaus was not able to fulfill the duty to remove a fraud item? They just literally closed my filed complaint and XXXX just sent me their default system-generated result.

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