BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: EQUIFAX, 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:
I have been in communication with XXXX, XXXX and EQUIFAX and DEPT OF EDXXXX in multiple reports to point out an error that has been reported on my consumer report. Derogatory remarks have cost me the ability to extend my credit, getting denied for credit and had substantial injury for years over this false reporting. 
I have 7 paid in full accounts with DEPT OF EDXXXX. On my consumer report, it states that I had a 90 day late payment in XXXX of XXXX. I asked for XXXX and DEPT OF EDXXXX to please provide evidence that I was ever late for a payment. In XX/XX/XXXX, my accounts were all in good standing and then in XX/XX/XXXX, it states I have a 90 day late payment. This is impossible in 30 days to have a 90 day late payment. 
In the last updated report # XXXX which was first started in XX/XX/XXXX and again in XX/XX/XXXX ; I sent in evidence and clearly identified the error. ( attached ) During this dispute, XXXX, XXXX and EQUIFAX did not remove the 7 accounts during verification, which is a direct violation under the United States codes of Debt collection practices in Title 15. 
I have pointed out the clear error. I am asking that all 90 day late payments be deleted from all consumer reports. All accounts should remain as they are paid in full with 100 % on time payments from each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have contacted TransUnion multimedia about inquiries that I dont recognize. I have called customer service and they are nothing but rude. Everytime I try to talk to them they tell me You cant dispute by mail or something that is not true. Twice a representative hung up in my face. The worst was the supervisor XXXX XXXX. There was another but I cant remember his name either. It has literally been over 3 mi this trying to dispute inquiries. Why cant the credit bureaus do their job professionally? I am sick and tired of being a victim because people wont do their job.

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 2021-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is showing two bankruptcies on my credit report but XXXX has no record of any bankruptcies reporting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 accounts : XXXX 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  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. 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 2021-08-04
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on 03/01/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc.

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. Accounts payment history are reflected as late payment on my credit report in violation of Federal Law.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and 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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion added this account which is not an actual account that I had with this leasing company. It says account was opened XX/XX/XXXX  which is false. I never opened an account on that date with this company. Called this company to asked them about my accounts and they stated they were going to send transunion paperwork to show accounts paid off. Account shows a balance of XXXX again which is false they added the two accounts I did have with this company which was paid off.

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 2023-08-02
Company: EQUIFAX, 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Bread Financial Holdings, Inc.
State: DC
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 sent letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX and XXXX  credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX $ XXXX XXXX : XX/XX/XXXX XXXX $ XXXX XXXX : XX/XX/XXXX XXXX $ XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: ZWICKER & ASSOCIATES
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt occurred from identity theft and the collection company didnt even verify and filed a lawsuit on me. 

Zwicker & Accociates, P.C. for XXXX XXXX  XXXX and XXXX for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo granted and approved Covid-19 related forbearance plan of missed payments to be placed as second mortgage. 
Now they are denying the option after what they told me was approved ( on a phone recording ). No reason other than process has changed. 
I received No communication, no letters, nor calls regarding any changes are requested information ... So I call to resume payments and discover they are denying assistance for which they verbally stated was already approved, documented on their computer as approved in a recorded phone call. 

I have made numerous calls and I am bewildered why an approved wells Fargo deferral of payments to a second mortgage is now being denied under a covid related Cares Act measure of relief.

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 2023-11-28
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
AN AGENT FOR AVANTEUSA CALLED ME ON XXXX AND WANTED TO SPEAK TO SOMEONE ELSE. THEY CALLED MY NUMBER OF XXXX FROM THEIR NUMBER OF XXXX. I HAVE HAD THIS PHONE NUMBER FOR YEARS. WHEN I ANSWERED THE CALL, IT TOOK A COUPLE SECONDS FOR THE CALLER TO COME ONLINE. IN FACT IT TOOK SO LONG I ALMOST ENDED THE CALL, BUT I HEARD SOME CLICKS AND AN AGENT CAME ON. THE CALLER SPOKE VERY FAST. I ASKED FOR THE ADDRESS AND THE CALLER REFUSED TO GIVE ME THEIR ADDRESS AND HUNG UP ON ME. AVANTEUSA HAS REGISTERED WITH THE TEXAS PUBLIC UTILITY COMMISSION TO USE AN ADAD DEVICE TO PLACE CALLS. THEIR PERMIT NUMBER IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2021-08-03
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding debt to XXXX XXXX for {$4300.00} that I settled and paid. Acknowledgement of Full Satisfaction of Judgement in association with this debt was filed on XX/XX/XXXX with the Superior Court of California , County of XXXX by the legal judgement creditor XXXX XXXX XXXX XXXX ( assigned of record LVNV Funding, LLC ). The case number was XXXX. 
After the judgement was satisfied in full, XXXX XXXX XXXX has contacted me 3 times by letter trying to collect this debt. Each time, I have responded within 30 days to let them know that the debt has been settled and that I dispute any further obligation in relation to the debt. Despite my attempts to send them copies of the court documents to prove the settlement of the debt, they continue to reach out to me regularly stating that their records show that I still owe the debt or that they are collecting on behalf of another company. 
At this point, I no longer want to be contacted by them because I realize they do not care that the debt no longer exists since they dismiss the proof I have provided. 
Letters they sent and response dates : 1. Letter dated XX/XX/XXXX, I responded on XX/XX/XXXX 2. Letter dated XX/XX/XXXX, I responded on XX/XX/XXXX 3. Letter dated XX/XX/XXXX, I responded XX/XX/XXXX I am including a copy of each of the 3 letters that I sent in reply to them and I am also attaching a copy of the Acknowledgement of Full Satisfaction of Judgement from the court.

I have also received a letter from XXXX XXXX XXXX XXXX  and 3 letters from XXXX XXXX XXXX in relation to this debt ; all of which I responded to. Please also see these letters attached here. 
Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I have issued a complaint to this company about inquiries and accounts on my consumer report and have not been contacted regarding these issues. It is now well over the 30 day limit and they are in violation. I also had some 3rd party debt collectors removed off of my consumer report and wondering why XXXX, who is also a 3rd party debt collector, does not have to abide by the law? And why is Experian not complying as well? This is two violations that I came name off the top of my head, but there are more, I'm sure. I feel oppressed and abused by a system that is supposed to be protecting me. WHY ARE THINGS NOT CHANGING?

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 2023-08-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated As Soon As Possible. These are the items I demanding to be deleted immediately. 

FDCPA section 807 Violation misleading false representations and reporting.

Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. Also, 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under 15 chapter 41. 

XXXX XXXX # : XXXX XXXX. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or uploaded As Soon As Possible. These are the items I demanding to be deleted immediately. 

FDCPA false misreporting. Instructions, Please Update to Paid Current as Agreed. I was never late this is a violation to my rights as a consumer. Remove ALL late payments and change the payment status to current because of the CARES ACT. 

XXXX XXXX XXXX 

# : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: Coast to Coast Financial Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not had service with XXXX XXXXXXXX XXXX, I sold that home in XX/XX/2022 and have not been there since. This move was in fact reported to XXXX  XXXX, power company, utilities, as well as the XXXX. 

This debt should immediately be removed. 

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 2023-02-15
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2022 I had my credit score run when I was looking to buy a house. My score was XXXX because of my nearly perfect credit history ( i.e. no missed or late payments, no outstanding accounts ). A few months later, I noticed that my credit score dropped significantly, over 100 points. I looked into this further and it turns out that one of my credit cards that I don't use -- my XXXX card -- had XXXX unauthorized charges on it for {$10.00} and {$18.00} in XX/XX/2022. I was not made aware of this until XXXX when I noticed my credit had dropped, because XXXX reported the unpaid charges and associated late fees equally {$120.00} to all three credit agencies. I immediately reached out to the XXXX XXXX XXXX XXXX department to clear this up. I disputed the charges, which were refunded and my account balance returned to {$0.00}. However, all three credit agencies are still reporting a 60 day late notice on my credit report, resulting in a dramatically lowered credit score, which really has disastrous effects on my financial life at this point. I have disputed this issue with all three credit agencies twice, and this issue has yet to be resolved. I am attaching documentation showing the {$28.00} and associated late fees refunded by XXXX to show my account back to {$0.00} and in good standing. I desperately need this off of my credit report, which was previously perfect without any late payments or outstanding accounts. As a financially independent single person trying to buy a home and make a life for myself with high student loans and no financial help from family or friends, it is imperative that I maintain good credit to be able to achieve my goals. I've worked incredibly hard to keep my credit perfect, and this has been an incredible source of stress and concern, and an issue that can cost me tens of thousands of dollars over time if I take out a mortgage or car loan with a lowered credit score. Thank you very much for your help in having this 60 day late fee notice removed from my credit score at all three credit agencies and repairing my credit and credit limit with 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